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Atlanticus Holdings Corp（ATLCP）与FirstCash Holdings, Inc.（FCFS）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FirstCash Holdings, Inc.的1.5倍（$734.4M vs $501.3M），FirstCash Holdings, Inc.净利率更高（20.8% vs 4.7%，领先16.1%），Atlanticus Holdings Corp同比增速更快（107.8% vs 21.2%），过去两年Atlanticus Holdings Corp的营收复合增速更高（58.9% vs 16.9%）
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。
FirstCash Holdings, Inc.是总部位于美国得克萨斯州沃斯堡的典当企业，在美国及拉丁美洲多地运营线下典当零售门店，为纳斯达克证券交易所公开上市企业，在美洲典当服务领域拥有成熟的业务布局与完善的运营网络。
ATLCP vs FCFS — 直观对比
营收规模更大
ATLCP
是对方的1.5倍
$501.3M
营收增速更快
ATLCP
高出86.6%
21.2%
净利率更高
FCFS
高出16.1%
4.7%
两年增速更快
ATLCP
近两年复合增速
16.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $734.4M | $501.3M |
| 净利润 | $34.6M | $104.2M |
| 毛利率 | 92.4% | — |
| 营业利润率 | 6.3% | 28.5% |
| 净利率 | 4.7% | 20.8% |
| 营收同比 | 107.8% | 21.2% |
| 净利润同比 | 11.7% | 24.7% |
| 每股收益（稀释后） | $1.75 | $2.35 |
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ATLCPFCFS
| Q4 25 | $734.4M | $501.3M | ||
| Q3 25 | $494.7M | $411.0M | ||
| Q2 25 | $394.2M | $385.1M | ||
| Q1 25 | $345.2M | $371.1M | ||
| Q4 24 | $353.5M | $413.7M | ||
| Q3 24 | $351.2M | $363.1M | ||
| Q2 24 | $316.0M | $363.5M | ||
| Q1 24 | $290.7M | $366.8M |
净利润ATLCPFCFS
| Q4 25 | $34.6M | $104.2M | ||
| Q3 25 | $25.0M | $82.8M | ||
| Q2 25 | $30.6M | $59.8M | ||
| Q1 25 | $31.5M | $83.6M | ||
| Q4 24 | $31.0M | $83.5M | ||
| Q3 24 | $29.5M | $64.8M | ||
| Q2 24 | $24.3M | $49.1M | ||
| Q1 24 | $26.2M | $61.4M |
毛利率ATLCPFCFS
| Q4 25 | 92.4% | — | ||
| Q3 25 | 92.1% | — | ||
| Q2 25 | 91.4% | — | ||
| Q1 25 | 90.7% | — | ||
| Q4 24 | 89.9% | — | ||
| Q3 24 | 92.0% | — | ||
| Q2 24 | 91.2% | — | ||
| Q1 24 | 90.8% | — |
营业利润率ATLCPFCFS
| Q4 25 | 6.3% | 28.5% | ||
| Q3 25 | 6.6% | 27.4% | ||
| Q2 25 | 10.2% | 21.1% | ||
| Q1 25 | 11.8% | 30.0% | ||
| Q4 24 | 11.3% | 26.5% | ||
| Q3 24 | 10.6% | 23.5% | ||
| Q2 24 | 9.1% | 18.2% | ||
| Q1 24 | 11.3% | 22.3% |
净利率ATLCPFCFS
| Q4 25 | 4.7% | 20.8% | ||
| Q3 25 | 5.0% | 20.1% | ||
| Q2 25 | 7.8% | 15.5% | ||
| Q1 25 | 9.1% | 22.5% | ||
| Q4 24 | 8.8% | 20.2% | ||
| Q3 24 | 8.4% | 17.9% | ||
| Q2 24 | 7.7% | 13.5% | ||
| Q1 24 | 9.0% | 16.7% |
每股收益（稀释后）ATLCPFCFS
| Q4 25 | $1.75 | $2.35 | ||
| Q3 25 | $1.21 | $1.86 | ||
| Q2 25 | $1.51 | $1.34 | ||
| Q1 25 | $1.49 | $1.87 | ||
| Q4 24 | $1.42 | $1.86 | ||
| Q3 24 | $1.27 | $1.44 | ||
| Q2 24 | $0.99 | $1.08 | ||
| Q1 24 | $1.09 | $1.35 |
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 | $125.2M |
| 总债务越低越好 | — | $2.2B |
| 股东权益账面价值 | $608.7M | $2.3B |
| 总资产 | $7.6B | $5.3B |
| 负债/权益比越低杠杆越低 | — | 0.98× |
8季度趋势，按日历期对齐
现金及短期投资ATLCPFCFS
| Q4 25 | $621.1M | $125.2M | ||
| Q3 25 | $425.0M | $130.2M | ||
| Q2 25 | $329.4M | $101.5M | ||
| Q1 25 | $350.4M | $146.0M | ||
| Q4 24 | $375.4M | $175.1M | ||
| Q3 24 | $308.7M | $106.3M | ||
| Q2 24 | $350.9M | $113.7M | ||
| Q1 24 | $444.8M | $135.1M |
总债务ATLCPFCFS
| Q4 25 | — | $2.2B | ||
| Q3 25 | — | $2.2B | ||
| Q2 25 | — | $1.7B | ||
| Q1 25 | — | $1.7B | ||
| Q4 24 | — | $1.7B | ||
| Q3 24 | — | $1.7B | ||
| Q2 24 | — | $1.7B | ||
| Q1 24 | — | $1.5B |
股东权益ATLCPFCFS
| Q4 25 | $608.7M | $2.3B | ||
| Q3 25 | $589.3M | $2.2B | ||
| Q2 25 | $563.3M | $2.1B | ||
| Q1 25 | $532.7M | $2.1B | ||
| Q4 24 | $492.9M | $2.1B | ||
| Q3 24 | $457.7M | $2.0B | ||
| Q2 24 | $433.8M | $2.0B | ||
| Q1 24 | $416.0M | $2.0B |
总资产ATLCPFCFS
| Q4 25 | $7.6B | $5.3B | ||
| Q3 25 | $7.1B | $5.2B | ||
| Q2 25 | $3.6B | $4.5B | ||
| Q1 25 | $3.3B | $4.4B | ||
| Q4 24 | $3.3B | $4.5B | ||
| Q3 24 | $3.0B | $4.4B | ||
| Q2 24 | $2.8B | $4.3B | ||
| Q1 24 | $2.8B | $4.2B |
负债/权益比ATLCPFCFS
| Q4 25 | — | 0.98× | ||
| Q3 25 | — | 1.01× | ||
| Q2 25 | — | 0.79× | ||
| Q1 25 | — | 0.83× | ||
| Q4 24 | — | 0.85× | ||
| Q3 24 | — | 0.87× | ||
| Q2 24 | — | 0.85× | ||
| Q1 24 | — | 0.75× |
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 | $206.6M |
| 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× | 1.98× |
| 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ATLCPFCFS
| Q4 25 | $266.3M | $206.6M | ||
| Q3 25 | $107.5M | $135.8M | ||
| Q2 25 | $132.7M | $116.9M | ||
| Q1 25 | $131.6M | $126.6M | ||
| Q4 24 | $122.6M | $198.1M | ||
| Q3 24 | $112.4M | $113.1M | ||
| Q2 24 | $115.6M | $106.2M | ||
| Q1 24 | $118.8M | $122.5M |
现金转化率ATLCPFCFS
| Q4 25 | 7.69× | 1.98× | ||
| Q3 25 | 4.30× | 1.64× | ||
| Q2 25 | 4.34× | 1.95× | ||
| Q1 25 | 4.17× | 1.51× | ||
| Q4 24 | 3.96× | 2.37× | ||
| Q3 24 | 3.80× | 1.74× | ||
| Q2 24 | 4.76× | 2.16× | ||
| Q1 24 | 4.54× | 2.00× |
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
FCFS
| US Pawn Segment | $292.2M | 58% |
| Retail POS Payment Solutions | $209.8M | 42% |
