vs
Atlanticus Holdings Corp（ATLCP）与IES Holdings, Inc.（IESC）财务数据对比。点击上方公司名可切换其他公司
IES Holdings, Inc.的季度营收约是Atlanticus Holdings Corp的1.2倍（$871.0M vs $734.4M），IES Holdings, Inc.净利率更高（10.5% vs 4.7%，领先5.8%），Atlanticus Holdings Corp同比增速更快（107.8% vs 16.2%），过去两年Atlanticus Holdings Corp的营收复合增速更高（58.9% vs 11.1%）
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。
IES Holdings, Inc.前身为Integrated Electrical Services, Inc.，主营业务为集成电气及技术系统的设计与安装，同时面向数据中心、住宅、商业和工业设施等多元终端市场提供基础设施类产品及相关服务。
ATLCP vs IESC — 直观对比
营收规模更大
IESC
是对方的1.2倍
$734.4M
营收增速更快
ATLCP
高出91.6%
16.2%
净利率更高
IESC
高出5.8%
4.7%
两年增速更快
ATLCP
近两年复合增速
11.1%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $734.4M | $871.0M |
| 净利润 | $34.6M | $91.8M |
| 毛利率 | 92.4% | 25.3% |
| 营业利润率 | 6.3% | 11.2% |
| 净利率 | 4.7% | 10.5% |
| 营收同比 | 107.8% | 16.2% |
| 净利润同比 | 11.7% | 59.1% |
| 每股收益（稀释后） | $1.75 | $4.51 |
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ATLCPIESC
| Q4 25 | $734.4M | $871.0M | ||
| Q3 25 | $494.7M | $897.8M | ||
| Q2 25 | $394.2M | $890.2M | ||
| Q1 25 | $345.2M | $834.0M | ||
| Q4 24 | $353.5M | $749.5M | ||
| Q3 24 | $351.2M | $775.8M | ||
| Q2 24 | $316.0M | $768.4M | ||
| Q1 24 | $290.7M | $705.7M |
净利润ATLCPIESC
| Q4 25 | $34.6M | $91.8M | ||
| Q3 25 | $25.0M | $102.3M | ||
| Q2 25 | $30.6M | $79.3M | ||
| Q1 25 | $31.5M | $72.6M | ||
| Q4 24 | $31.0M | $57.7M | ||
| Q3 24 | $29.5M | $65.5M | ||
| Q2 24 | $24.3M | $66.6M | ||
| Q1 24 | $26.2M | $56.8M |
毛利率ATLCPIESC
| Q4 25 | 92.4% | 25.3% | ||
| Q3 25 | 92.1% | 26.0% | ||
| Q2 25 | 91.4% | 26.9% | ||
| Q1 25 | 90.7% | 25.0% | ||
| Q4 24 | 89.9% | 23.8% | ||
| Q3 24 | 92.0% | 24.0% | ||
| Q2 24 | 91.2% | 25.3% | ||
| Q1 24 | 90.8% | 24.3% |
营业利润率ATLCPIESC
| Q4 25 | 6.3% | 11.2% | ||
| Q3 25 | 6.6% | 11.6% | ||
| Q2 25 | 10.2% | 12.6% | ||
| Q1 25 | 11.8% | 11.1% | ||
| Q4 24 | 11.3% | 10.0% | ||
| Q3 24 | 10.6% | 9.7% | ||
| Q2 24 | 9.1% | 11.7% | ||
| Q1 24 | 11.3% | 11.0% |
净利率ATLCPIESC
| Q4 25 | 4.7% | 10.5% | ||
| Q3 25 | 5.0% | 11.4% | ||
| Q2 25 | 7.8% | 8.9% | ||
| Q1 25 | 9.1% | 8.7% | ||
| Q4 24 | 8.8% | 7.7% | ||
| Q3 24 | 8.4% | 8.4% | ||
| Q2 24 | 7.7% | 8.7% | ||
| Q1 24 | 9.0% | 8.0% |
每股收益（稀释后）ATLCPIESC
| Q4 25 | $1.75 | $4.51 | ||
| Q3 25 | $1.21 | $4.99 | ||
| Q2 25 | $1.51 | $3.81 | ||
| Q1 25 | $1.49 | $3.50 | ||
| Q4 24 | $1.42 | $2.72 | ||
| Q3 24 | $1.27 | $3.06 | ||
| Q2 24 | $0.99 | $2.67 | ||
| Q1 24 | $1.09 | $2.29 |
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 | $258.7M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $608.7M | $961.1M |
| 总资产 | $7.6B | $1.7B |
| 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ATLCPIESC
| Q4 25 | $621.1M | $258.7M | ||
| Q3 25 | $425.0M | $231.8M | ||
| Q2 25 | $329.4M | $168.3M | ||
| Q1 25 | $350.4M | $88.3M | ||
| Q4 24 | $375.4M | $112.0M | ||
| Q3 24 | $308.7M | $135.8M | ||
| Q2 24 | $350.9M | $44.9M | ||
| Q1 24 | $444.8M | $106.0M |
股东权益ATLCPIESC
| Q4 25 | $608.7M | $961.1M | ||
| Q3 25 | $589.3M | $884.0M | ||
| Q2 25 | $563.3M | $781.4M | ||
| Q1 25 | $532.7M | $705.8M | ||
| Q4 24 | $492.9M | $652.4M | ||
| Q3 24 | $457.7M | $611.1M | ||
| Q2 24 | $433.8M | $567.5M | ||
| Q1 24 | $416.0M | $534.8M |
总资产ATLCPIESC
| Q4 25 | $7.6B | $1.7B | ||
| Q3 25 | $7.1B | $1.6B | ||
| Q2 25 | $3.6B | $1.5B | ||
| Q1 25 | $3.3B | $1.4B | ||
| Q4 24 | $3.3B | $1.3B | ||
| Q3 24 | $3.0B | $1.2B | ||
| Q2 24 | $2.8B | $1.2B | ||
| Q1 24 | $2.8B | $1.1B |
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 | $27.7M |
| 自由现金流经营现金流 - 资本支出 | — | $-18.9M |
| 自由现金流率自由现金流/营收 | — | -2.2% |
| 资本支出强度资本支出/营收 | — | 5.3% |
| 现金转化率经营现金流/净利润 | 7.69× | 0.30× |
| 过去12个月自由现金流最近4个季度 | — | $175.9M |
8季度趋势，按日历期对齐
经营现金流ATLCPIESC
| Q4 25 | $266.3M | $27.7M | ||
| Q3 25 | $107.5M | $132.0M | ||
| Q2 25 | $132.7M | $92.0M | ||
| Q1 25 | $131.6M | $24.8M | ||
| Q4 24 | $122.6M | $37.3M | ||
| Q3 24 | $112.4M | $92.8M | ||
| Q2 24 | $115.6M | $82.9M | ||
| Q1 24 | $118.8M | $33.7M |
自由现金流ATLCPIESC
| Q4 25 | — | $-18.9M | ||
| Q3 25 | — | $112.0M | ||
| Q2 25 | — | $74.8M | ||
| Q1 25 | — | $7.9M | ||
| Q4 24 | — | $24.1M | ||
| Q3 24 | — | $78.5M | ||
| Q2 24 | — | $65.4M | ||
| Q1 24 | — | $26.9M |
自由现金流率ATLCPIESC
| Q4 25 | — | -2.2% | ||
| Q3 25 | — | 12.5% | ||
| Q2 25 | — | 8.4% | ||
| Q1 25 | — | 0.9% | ||
| Q4 24 | — | 3.2% | ||
| Q3 24 | — | 10.1% | ||
| Q2 24 | — | 8.5% | ||
| Q1 24 | — | 3.8% |
资本支出强度ATLCPIESC
| Q4 25 | — | 5.3% | ||
| Q3 25 | — | 2.2% | ||
| Q2 25 | — | 1.9% | ||
| Q1 25 | — | 2.0% | ||
| Q4 24 | — | 1.8% | ||
| Q3 24 | — | 1.8% | ||
| Q2 24 | — | 2.3% | ||
| Q1 24 | — | 1.0% |
现金转化率ATLCPIESC
| Q4 25 | 7.69× | 0.30× | ||
| Q3 25 | 4.30× | 1.29× | ||
| Q2 25 | 4.34× | 1.16× | ||
| Q1 25 | 4.17× | 0.34× | ||
| Q4 24 | 3.96× | 0.65× | ||
| Q3 24 | 3.80× | 1.42× | ||
| Q2 24 | 4.76× | 1.24× | ||
| Q1 24 | 4.54× | 0.59× |
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
IESC
| Communications | $351.9M | 40% |
| Single Family Electrical Contracts | $137.0M | 16% |
| Custom Engineered Solutions | $116.0M | 13% |
| Commercialand Industrial | $94.8M | 11% |
| Single Family Contracts Plumbing HVAC | $82.9M | 10% |
| Multi Familyand Other | $64.2M | 7% |
| Industrial Services | $24.2M | 3% |
