vs
Atlanticus Holdings Corp（ATLCP）与Gen Digital（GEN）财务数据对比。点击上方公司名可切换其他公司
Gen Digital的季度营收约是Atlanticus Holdings Corp的1.7倍（$1.2B vs $734.4M），Gen Digital净利率更高（15.5% vs 4.7%，领先10.8%），Atlanticus Holdings Corp同比增速更快（107.8% vs 28.5%），过去两年Atlanticus Holdings Corp的营收复合增速更高（58.9% vs 13.2%）
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。
Gen Digital是一家跨国软件企业，双总部分别设于美国亚利桑那州坦佩和欧盟捷克布拉格，是财富500强企业及标普500指数成分股，同时在纳斯达克与布拉格证券交易所挂牌上市。公司主营网络安全软件、金融科技及相关服务，旗下拥有诺顿、Avast、LifeLock、AVG、CCleaner等多个知名品牌。
ATLCP vs GEN — 直观对比
营收规模更大
GEN
是对方的1.7倍
$734.4M
营收增速更快
ATLCP
高出79.3%
28.5%
净利率更高
GEN
高出10.8%
4.7%
两年增速更快
ATLCP
近两年复合增速
13.2%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $734.4M | $1.2B |
| 净利润 | $34.6M | $192.0M |
| 毛利率 | 92.4% | 78.4% |
| 营业利润率 | 6.3% | 34.9% |
| 净利率 | 4.7% | 15.5% |
| 营收同比 | 107.8% | 28.5% |
| 净利润同比 | 11.7% | 6.1% |
| 每股收益（稀释后） | $1.75 | $0.31 |
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ATLCPGEN
| Q1 26 | — | $1.2B | ||
| Q4 25 | $734.4M | $1.2B | ||
| Q3 25 | $494.7M | $1.3B | ||
| Q2 25 | $394.2M | — | ||
| Q1 25 | $345.2M | $1.0B | ||
| Q4 24 | $353.5M | $986.0M | ||
| Q3 24 | $351.2M | $974.0M | ||
| Q2 24 | $316.0M | $965.0M |
净利润ATLCPGEN
| Q1 26 | — | $192.0M | ||
| Q4 25 | $34.6M | $134.0M | ||
| Q3 25 | $25.0M | $135.0M | ||
| Q2 25 | $30.6M | — | ||
| Q1 25 | $31.5M | $142.0M | ||
| Q4 24 | $31.0M | $159.0M | ||
| Q3 24 | $29.5M | $161.0M | ||
| Q2 24 | $24.3M | $181.0M |
毛利率ATLCPGEN
| Q1 26 | — | 78.4% | ||
| Q4 25 | 92.4% | 78.2% | ||
| Q3 25 | 92.1% | 78.8% | ||
| Q2 25 | 91.4% | — | ||
| Q1 25 | 90.7% | 80.3% | ||
| Q4 24 | 89.9% | 80.4% | ||
| Q3 24 | 92.0% | 80.1% | ||
| Q2 24 | 91.2% | 80.3% |
营业利润率ATLCPGEN
| Q1 26 | — | 34.9% | ||
| Q4 25 | 6.3% | 35.9% | ||
| Q3 25 | 6.6% | 35.5% | ||
| Q2 25 | 10.2% | — | ||
| Q1 25 | 11.8% | 41.3% | ||
| Q4 24 | 11.3% | 37.9% | ||
| Q3 24 | 10.6% | 41.3% | ||
| Q2 24 | 9.1% | 43.2% |
净利率ATLCPGEN
| Q1 26 | — | 15.5% | ||
| Q4 25 | 4.7% | 11.0% | ||
| Q3 25 | 5.0% | 10.7% | ||
| Q2 25 | 7.8% | — | ||
| Q1 25 | 9.1% | 14.1% | ||
| Q4 24 | 8.8% | 16.1% | ||
| Q3 24 | 8.4% | 16.5% | ||
| Q2 24 | 7.7% | 18.8% |
每股收益（稀释后）ATLCPGEN
| Q1 26 | — | $0.31 | ||
| Q4 25 | $1.75 | $0.21 | ||
| Q3 25 | $1.21 | $0.22 | ||
| Q2 25 | $1.51 | — | ||
| Q1 25 | $1.49 | $0.22 | ||
| Q4 24 | $1.42 | $0.26 | ||
| Q3 24 | $1.27 | $0.26 | ||
| Q2 24 | $0.99 | $0.29 |
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 | — |
| 总债务越低越好 | — | $8.4B |
| 股东权益账面价值 | $608.7M | $2.3B |
| 总资产 | $7.6B | $15.8B |
| 负债/权益比越低杠杆越低 | — | 3.61× |
8季度趋势，按日历期对齐
现金及短期投资ATLCPGEN
| Q1 26 | — | — | ||
| Q4 25 | $621.1M | — | ||
| Q3 25 | $425.0M | — | ||
| Q2 25 | $329.4M | — | ||
| Q1 25 | $350.4M | $1.0B | ||
| Q4 24 | $375.4M | $883.0M | ||
| Q3 24 | $308.7M | $737.0M | ||
| Q2 24 | $350.9M | $644.0M |
总债务ATLCPGEN
| Q1 26 | — | $8.4B | ||
| Q4 25 | — | $8.7B | ||
| Q3 25 | — | $8.9B | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $8.3B | ||
| Q4 24 | — | $8.5B | ||
| Q3 24 | — | $8.5B | ||
| Q2 24 | — | $8.5B |
股东权益ATLCPGEN
| Q1 26 | — | $2.3B | ||
| Q4 25 | $608.7M | $2.5B | ||
| Q3 25 | $589.3M | $2.4B | ||
| Q2 25 | $563.3M | — | ||
| Q1 25 | $532.7M | $2.3B | ||
| Q4 24 | $492.9M | $2.2B | ||
| Q3 24 | $457.7M | $2.1B | ||
| Q2 24 | $433.8M | $2.0B |
总资产ATLCPGEN
| Q1 26 | — | $15.8B | ||
| Q4 25 | $7.6B | $16.1B | ||
| Q3 25 | $7.1B | $16.4B | ||
| Q2 25 | $3.6B | — | ||
| Q1 25 | $3.3B | $15.5B | ||
| Q4 24 | $3.3B | $15.4B | ||
| Q3 24 | $3.0B | $15.5B | ||
| Q2 24 | $2.8B | $15.4B |
负债/权益比ATLCPGEN
| Q1 26 | — | 3.61× | ||
| Q4 25 | — | 3.54× | ||
| Q3 25 | — | 3.75× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 3.64× | ||
| Q4 24 | — | 3.94× | ||
| Q3 24 | — | 4.06× | ||
| Q2 24 | — | 4.33× |
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 | — |
| 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× | — |
| 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ATLCPGEN
| Q1 26 | — | — | ||
| Q4 25 | $266.3M | $541.0M | ||
| Q3 25 | $107.5M | $409.0M | ||
| Q2 25 | $132.7M | — | ||
| Q1 25 | $131.6M | $473.0M | ||
| Q4 24 | $122.6M | $326.0M | ||
| Q3 24 | $112.4M | $158.0M | ||
| Q2 24 | $115.6M | $264.0M |
自由现金流ATLCPGEN
| Q1 26 | — | — | ||
| Q4 25 | — | $535.0M | ||
| Q3 25 | — | $405.0M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $470.0M | ||
| Q4 24 | — | $318.0M | ||
| Q3 24 | — | $156.0M | ||
| Q2 24 | — | $262.0M |
自由现金流率ATLCPGEN
| Q1 26 | — | — | ||
| Q4 25 | — | 43.9% | ||
| Q3 25 | — | 32.2% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 46.5% | ||
| Q4 24 | — | 32.3% | ||
| Q3 24 | — | 16.0% | ||
| Q2 24 | — | 27.2% |
资本支出强度ATLCPGEN
| Q1 26 | — | — | ||
| Q4 25 | — | 0.5% | ||
| Q3 25 | — | 0.3% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 0.3% | ||
| Q4 24 | — | 0.8% | ||
| Q3 24 | — | 0.2% | ||
| Q2 24 | — | 0.2% |
现金转化率ATLCPGEN
| Q1 26 | — | — | ||
| Q4 25 | 7.69× | 4.04× | ||
| Q3 25 | 4.30× | 3.03× | ||
| Q2 25 | 4.34× | — | ||
| Q1 25 | 4.17× | 3.33× | ||
| Q4 24 | 3.96× | 2.05× | ||
| Q3 24 | 3.80× | 0.98× | ||
| Q2 24 | 4.76× | 1.46× |
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
GEN
| Cyber Safety Platform | $819.0M | 66% |
| Trust Based Solutions | $421.0M | 34% |
| Net Interest Income On Notes Receivable | $4.0M | 0% |
