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Atlanticus Holdings Corp（ATLCP）与EAGLE MATERIALS INC（EXP）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EAGLE MATERIALS INC的1.3倍（$734.4M vs $556.0M），EAGLE MATERIALS INC净利率更高（18.5% vs 4.7%，领先13.8%），Atlanticus Holdings Corp同比增速更快（107.8% vs -0.4%），过去两年Atlanticus Holdings Corp的营收复合增速更高（58.9% vs 8.0%）
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。
Eagle Materials Inc.是总部位于美国得克萨斯州达拉斯的建筑材料生产企业，主营产品包括水泥、混凝土、建筑骨料、石膏、墙板、纸板以及水力压裂作业专用砂，产品广泛应用于建筑施工、能源开发等多个领域。
ATLCP vs EXP — 直观对比
营收规模更大
ATLCP
是对方的1.3倍
$556.0M
营收增速更快
ATLCP
高出108.1%
-0.4%
净利率更高
EXP
高出13.8%
4.7%
两年增速更快
ATLCP
近两年复合增速
8.0%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $734.4M | $556.0M |
| 净利润 | $34.6M | $102.9M |
| 毛利率 | 92.4% | 28.9% |
| 营业利润率 | 6.3% | — |
| 净利率 | 4.7% | 18.5% |
| 营收同比 | 107.8% | -0.4% |
| 净利润同比 | 11.7% | -13.9% |
| 每股收益（稀释后） | $1.75 | $3.22 |
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ATLCPEXP
| Q4 25 | $734.4M | $556.0M | ||
| Q3 25 | $494.7M | $638.9M | ||
| Q2 25 | $394.2M | $634.7M | ||
| Q1 25 | $345.2M | $470.2M | ||
| Q4 24 | $353.5M | $558.0M | ||
| Q3 24 | $351.2M | $623.6M | ||
| Q2 24 | $316.0M | $608.7M | ||
| Q1 24 | $290.7M | $476.7M |
净利润ATLCPEXP
| Q4 25 | $34.6M | $102.9M | ||
| Q3 25 | $25.0M | $137.4M | ||
| Q2 25 | $30.6M | $123.4M | ||
| Q1 25 | $31.5M | $66.5M | ||
| Q4 24 | $31.0M | $119.6M | ||
| Q3 24 | $29.5M | $143.5M | ||
| Q2 24 | $24.3M | $133.8M | ||
| Q1 24 | $26.2M | $77.1M |
毛利率ATLCPEXP
| Q4 25 | 92.4% | 28.9% | ||
| Q3 25 | 92.1% | 31.3% | ||
| Q2 25 | 91.4% | 29.2% | ||
| Q1 25 | 90.7% | 22.2% | ||
| Q4 24 | 89.9% | 31.9% | ||
| Q3 24 | 92.0% | 32.7% | ||
| Q2 24 | 91.2% | 30.7% | ||
| Q1 24 | 90.8% | 25.1% |
营业利润率ATLCPEXP
| Q4 25 | 6.3% | — | ||
| Q3 25 | 6.6% | — | ||
| Q2 25 | 10.2% | — | ||
| Q1 25 | 11.8% | — | ||
| Q4 24 | 11.3% | 32.8% | ||
| Q3 24 | 10.6% | 34.2% | ||
| Q2 24 | 9.1% | 32.0% | ||
| Q1 24 | 11.3% | 26.9% |
净利率ATLCPEXP
| Q4 25 | 4.7% | 18.5% | ||
| Q3 25 | 5.0% | 21.5% | ||
| Q2 25 | 7.8% | 19.4% | ||
| Q1 25 | 9.1% | 14.1% | ||
| Q4 24 | 8.8% | 21.4% | ||
| Q3 24 | 8.4% | 23.0% | ||
| Q2 24 | 7.7% | 22.0% | ||
| Q1 24 | 9.0% | 16.2% |
每股收益（稀释后）ATLCPEXP
| Q4 25 | $1.75 | $3.22 | ||
| Q3 25 | $1.21 | $4.23 | ||
| Q2 25 | $1.51 | $3.76 | ||
| Q1 25 | $1.49 | $2.01 | ||
| Q4 24 | $1.42 | $3.56 | ||
| Q3 24 | $1.27 | $4.26 | ||
| Q2 24 | $0.99 | $3.94 | ||
| Q1 24 | $1.09 | $2.23 |
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 | $419.0M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $608.7M | $1.5B |
| 总资产 | $7.6B | $3.8B |
| 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ATLCPEXP
| Q4 25 | $621.1M | $419.0M | ||
| Q3 25 | $425.0M | $35.0M | ||
| Q2 25 | $329.4M | $59.7M | ||
| Q1 25 | $350.4M | $20.4M | ||
| Q4 24 | $375.4M | $31.2M | ||
| Q3 24 | $308.7M | $93.9M | ||
| Q2 24 | $350.9M | $46.5M | ||
| Q1 24 | $444.8M | $34.9M |
总债务ATLCPEXP
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $1.2B | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | $1.1B |
股东权益ATLCPEXP
| Q4 25 | $608.7M | $1.5B | ||
| Q3 25 | $589.3M | $1.5B | ||
| Q2 25 | $563.3M | $1.5B | ||
| Q1 25 | $532.7M | $1.5B | ||
| Q4 24 | $492.9M | $1.5B | ||
| Q3 24 | $457.7M | $1.4B | ||
| Q2 24 | $433.8M | $1.4B | ||
| Q1 24 | $416.0M | $1.3B |
总资产ATLCPEXP
| Q4 25 | $7.6B | $3.8B | ||
| Q3 25 | $7.1B | $3.4B | ||
| Q2 25 | $3.6B | $3.4B | ||
| Q1 25 | $3.3B | $3.3B | ||
| Q4 24 | $3.3B | $3.0B | ||
| Q3 24 | $3.0B | $3.1B | ||
| Q2 24 | $2.8B | $3.0B | ||
| Q1 24 | $2.8B | $2.9B |
负债/权益比ATLCPEXP
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 0.86× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 0.84× |
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 | $170.8M |
| 自由现金流经营现金流 - 资本支出 | — | $60.8M |
| 自由现金流率自由现金流/营收 | — | 10.9% |
| 资本支出强度资本支出/营收 | — | 19.8% |
| 现金转化率经营现金流/净利润 | 7.69× | 1.66× |
| 过去12个月自由现金流最近4个季度 | — | $231.8M |
8季度趋势，按日历期对齐
经营现金流ATLCPEXP
| Q4 25 | $266.3M | $170.8M | ||
| Q3 25 | $107.5M | $204.6M | ||
| Q2 25 | $132.7M | $136.6M | ||
| Q1 25 | $131.6M | $62.8M | ||
| Q4 24 | $122.6M | $119.9M | ||
| Q3 24 | $112.4M | $233.3M | ||
| Q2 24 | $115.6M | $132.6M | ||
| Q1 24 | $118.8M | $63.4M |
自由现金流ATLCPEXP
| Q4 25 | — | $60.8M | ||
| Q3 25 | — | $96.1M | ||
| Q2 25 | — | $60.5M | ||
| Q1 25 | — | $14.5M | ||
| Q4 24 | — | $72.5M | ||
| Q3 24 | — | $166.8M | ||
| Q2 24 | — | $99.5M | ||
| Q1 24 | — | $30.9M |
自由现金流率ATLCPEXP
| Q4 25 | — | 10.9% | ||
| Q3 25 | — | 15.0% | ||
| Q2 25 | — | 9.5% | ||
| Q1 25 | — | 3.1% | ||
| Q4 24 | — | 13.0% | ||
| Q3 24 | — | 26.7% | ||
| Q2 24 | — | 16.3% | ||
| Q1 24 | — | 6.5% |
资本支出强度ATLCPEXP
| Q4 25 | — | 19.8% | ||
| Q3 25 | — | 17.0% | ||
| Q2 25 | — | 12.0% | ||
| Q1 25 | — | 10.3% | ||
| Q4 24 | — | 8.5% | ||
| Q3 24 | — | 10.7% | ||
| Q2 24 | — | 5.4% | ||
| Q1 24 | — | 6.8% |
现金转化率ATLCPEXP
| Q4 25 | 7.69× | 1.66× | ||
| Q3 25 | 4.30× | 1.49× | ||
| Q2 25 | 4.34× | 1.11× | ||
| Q1 25 | 4.17× | 0.94× | ||
| Q4 24 | 3.96× | 1.00× | ||
| Q3 24 | 3.80× | 1.63× | ||
| Q2 24 | 4.76× | 0.99× | ||
| Q1 24 | 4.54× | 0.82× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
ATLCP
暂无分部数据
EXP
| External Customers | $283.5M | 51% |
| Gypsum Wallboard | $175.9M | 32% |
| Recycled Paperboard | $47.8M | 9% |
| Corporate Joint Venture | $29.4M | 5% |
| Other | $11.8M | 2% |
| Western Pennsylvania Acquisition | $7.6M | 1% |
