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Atlanticus Holdings Corp（ATLCP）与Essex Property Trust（ESS）财务数据对比。点击上方公司名可切换其他公司
Atlanticus Holdings Corp的季度营收约是Essex Property Trust的1.5倍（$734.4M vs $479.6M），Essex Property Trust净利率更高（17.9% vs 4.7%，领先13.2%），Atlanticus Holdings Corp同比增速更快（107.8% vs 5.5%），过去两年Atlanticus Holdings Corp的营收复合增速更高（58.9% vs 6.0%）
Atlanticus Holdings Corp是一家总部位于美国的金融科技及消费金融企业，主要服务美国境内信用记录不足或非优质信用的消费者群体，提供消费分期、个人贷款等普惠信贷产品，同时与零售商户及金融机构合作推出定制化灵活信贷解决方案。
Essex Property Trust是一家公开上市的房地产投资信托企业，重点布局美国西海岸优质不动产市场，核心投资标的为加利福尼亚州及西雅图大都会区的公寓类物业，在长租公寓的投资、运营及管理领域拥有深厚的行业积累与资源优势。
ATLCP vs ESS — 直观对比
营收规模更大
ATLCP
是对方的1.5倍
$479.6M
营收增速更快
ATLCP
高出102.2%
5.5%
净利率更高
ESS
高出13.2%
4.7%
两年增速更快
ATLCP
近两年复合增速
6.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $734.4M | $479.6M |
| 净利润 | $34.6M | $85.7M |
| 毛利率 | 92.4% | 70.0% |
| 营业利润率 | 6.3% | 31.7% |
| 净利率 | 4.7% | 17.9% |
| 营收同比 | 107.8% | 5.5% |
| 净利润同比 | 11.7% | -71.6% |
| 每股收益（稀释后） | $1.75 | $1.24 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收ATLCPESS
| Q4 25 | $734.4M | $479.6M | ||
| Q3 25 | $494.7M | $473.3M | ||
| Q2 25 | $394.2M | $469.8M | ||
| Q1 25 | $345.2M | $464.6M | ||
| Q4 24 | $353.5M | $454.5M | ||
| Q3 24 | $351.2M | $450.7M | ||
| Q2 24 | $316.0M | $442.4M | ||
| Q1 24 | $290.7M | $426.9M |
净利润ATLCPESS
| Q4 25 | $34.6M | $85.7M | ||
| Q3 25 | $25.0M | $172.7M | ||
| Q2 25 | $30.6M | $231.5M | ||
| Q1 25 | $31.5M | $212.8M | ||
| Q4 24 | $31.0M | $301.7M | ||
| Q3 24 | $29.5M | $125.5M | ||
| Q2 24 | $24.3M | $99.0M | ||
| Q1 24 | $26.2M | $285.1M |
毛利率ATLCPESS
| Q4 25 | 92.4% | 70.0% | ||
| Q3 25 | 92.1% | 69.2% | ||
| Q2 25 | 91.4% | 70.7% | ||
| Q1 25 | 90.7% | 69.6% | ||
| Q4 24 | 89.9% | 70.0% | ||
| Q3 24 | 92.0% | 69.5% | ||
| Q2 24 | 91.2% | 70.8% | ||
| Q1 24 | 90.8% | 69.7% |
营业利润率ATLCPESS
| Q4 25 | 6.3% | 31.7% | ||
| Q3 25 | 6.6% | 44.5% | ||
| Q2 25 | 10.2% | 59.5% | ||
| Q1 25 | 11.8% | 55.3% | ||
| Q4 24 | 11.3% | 67.0% | ||
| Q3 24 | 10.6% | 28.6% | ||
| Q2 24 | 9.1% | 31.1% | ||
| Q1 24 | 11.3% | 31.0% |
净利率ATLCPESS
| Q4 25 | 4.7% | 17.9% | ||
| Q3 25 | 5.0% | 36.5% | ||
| Q2 25 | 7.8% | 49.3% | ||
| Q1 25 | 9.1% | 45.8% | ||
| Q4 24 | 8.8% | 66.4% | ||
| Q3 24 | 8.4% | 27.8% | ||
| Q2 24 | 7.7% | 22.4% | ||
| Q1 24 | 9.0% | 66.8% |
每股收益（稀释后）ATLCPESS
| Q4 25 | $1.75 | $1.24 | ||
| Q3 25 | $1.21 | $2.56 | ||
| Q2 25 | $1.51 | $3.44 | ||
| Q1 25 | $1.49 | $3.16 | ||
| Q4 24 | $1.42 | $4.00 | ||
| Q3 24 | $1.27 | $1.84 | ||
| Q2 24 | $0.99 | $1.45 | ||
| Q1 24 | $1.09 | $4.25 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $621.1M | $76.2M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $608.7M | $5.5B |
| 总资产 | $7.6B | $13.2B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资ATLCPESS
| Q4 25 | $621.1M | $76.2M | ||
| Q3 25 | $425.0M | $66.0M | ||
| Q2 25 | $329.4M | $58.7M | ||
| Q1 25 | $350.4M | $98.7M | ||
| Q4 24 | $375.4M | $66.8M | ||
| Q3 24 | $308.7M | $71.3M | ||
| Q2 24 | $350.9M | $55.2M | ||
| Q1 24 | $444.8M | $499.0M |
总债务ATLCPESS
| Q4 25 | — | — | ||
| Q3 25 | — | $6.4B | ||
| Q2 25 | — | $6.4B | ||
| Q1 25 | — | $6.8B | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $6.4B | ||
| Q2 24 | — | $6.2B | ||
| Q1 24 | — | $6.6B |
股东权益ATLCPESS
| Q4 25 | $608.7M | $5.5B | ||
| Q3 25 | $589.3M | $5.6B | ||
| Q2 25 | $563.3M | $5.6B | ||
| Q1 25 | $532.7M | $5.6B | ||
| Q4 24 | $492.9M | $5.5B | ||
| Q3 24 | $457.7M | $5.4B | ||
| Q2 24 | $433.8M | $5.5B | ||
| Q1 24 | $416.0M | $5.5B |
总资产ATLCPESS
| Q4 25 | $7.6B | $13.2B | ||
| Q3 25 | $7.1B | $13.2B | ||
| Q2 25 | $3.6B | $13.2B | ||
| Q1 25 | $3.3B | $13.2B | ||
| Q4 24 | $3.3B | $12.9B | ||
| Q3 24 | $3.0B | $12.6B | ||
| Q2 24 | $2.8B | $12.5B | ||
| Q1 24 | $2.8B | $12.9B |
负债/权益比ATLCPESS
| Q4 25 | — | — | ||
| Q3 25 | — | 1.15× | ||
| Q2 25 | — | 1.14× | ||
| Q1 25 | — | 1.22× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 1.18× | ||
| Q2 24 | — | 1.13× | ||
| Q1 24 | — | 1.19× |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $266.3M | $1.1B |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | 7.69× | 12.53× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流ATLCPESS
| Q4 25 | $266.3M | $1.1B | ||
| Q3 25 | $107.5M | $342.6M | ||
| Q2 25 | $132.7M | $216.1M | ||
| Q1 25 | $131.6M | $281.5M | ||
| Q4 24 | $122.6M | $1.1B | ||
| Q3 24 | $112.4M | $316.2M | ||
| Q2 24 | $115.6M | $218.9M | ||
| Q1 24 | $118.8M | $314.9M |
现金转化率ATLCPESS
| Q4 25 | 7.69× | 12.53× | ||
| Q3 25 | 4.30× | 1.98× | ||
| Q2 25 | 4.34× | 0.93× | ||
| Q1 25 | 4.17× | 1.32× | ||
| Q4 24 | 3.96× | 3.54× | ||
| Q3 24 | 3.80× | 2.52× | ||
| Q2 24 | 4.76× | 2.21× | ||
| Q1 24 | 4.54× | 1.10× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
