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Atlanticus Holdings Corp（ATLCP）与Invitation Homes（INVH）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Invitation Homes的1.1倍（$734.4M vs $685.3M），Invitation Homes净利率更高（21.1% vs 4.7%，领先16.4%），Atlanticus Holdings Corp同比增速更快（107.8% vs 4.0%），过去两年Atlanticus Holdings Corp的营收复合增速更高（58.9% vs 3.0%）
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。
Invitation Homes是纽交所上市企业，总部位于美国得克萨斯州达拉斯市林肯中心大厦，由Dallas B. Tanner出任首席执行官。截至2024年7月，公司在全美16个市场持有约8.4万套独栋出租住宅，是美国规模最大的独栋住宅租赁业主，17%的租金收入来自加利福尼亚州。
ATLCP vs INVH — 直观对比
营收规模更大
ATLCP
是对方的1.1倍
$685.3M
营收增速更快
ATLCP
高出103.8%
4.0%
净利率更高
INVH
高出16.4%
4.7%
两年增速更快
ATLCP
近两年复合增速
3.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $734.4M | $685.3M |
| 净利润 | $34.6M | $144.6M |
| 毛利率 | 92.4% | — |
| 营业利润率 | 6.3% | — |
| 净利率 | 4.7% | 21.1% |
| 营收同比 | 107.8% | 4.0% |
| 净利润同比 | 11.7% | 1.0% |
| 每股收益（稀释后） | $1.75 | $0.24 |
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ATLCPINVH
| Q4 25 | $734.4M | $685.3M | ||
| Q3 25 | $494.7M | $688.2M | ||
| Q2 25 | $394.2M | $681.4M | ||
| Q1 25 | $345.2M | $674.5M | ||
| Q4 24 | $353.5M | $659.1M | ||
| Q3 24 | $351.2M | $660.3M | ||
| Q2 24 | $316.0M | $653.5M | ||
| Q1 24 | $290.7M | $646.0M |
净利润ATLCPINVH
| Q4 25 | $34.6M | $144.6M | ||
| Q3 25 | $25.0M | $136.7M | ||
| Q2 25 | $30.6M | $140.9M | ||
| Q1 25 | $31.5M | $165.7M | ||
| Q4 24 | $31.0M | $143.1M | ||
| Q3 24 | $29.5M | $95.3M | ||
| Q2 24 | $24.3M | $73.2M | ||
| Q1 24 | $26.2M | $142.3M |
毛利率ATLCPINVH
| 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ATLCPINVH
| Q4 25 | 6.3% | — | ||
| Q3 25 | 6.6% | — | ||
| Q2 25 | 10.2% | — | ||
| Q1 25 | 11.8% | — | ||
| Q4 24 | 11.3% | — | ||
| Q3 24 | 10.6% | — | ||
| Q2 24 | 9.1% | — | ||
| Q1 24 | 11.3% | — |
净利率ATLCPINVH
| Q4 25 | 4.7% | 21.1% | ||
| Q3 25 | 5.0% | 19.9% | ||
| Q2 25 | 7.8% | 20.7% | ||
| Q1 25 | 9.1% | 24.6% | ||
| Q4 24 | 8.8% | 21.7% | ||
| Q3 24 | 8.4% | 14.4% | ||
| Q2 24 | 7.7% | 11.2% | ||
| Q1 24 | 9.0% | 22.0% |
每股收益（稀释后）ATLCPINVH
| Q4 25 | $1.75 | $0.24 | ||
| Q3 25 | $1.21 | $0.22 | ||
| Q2 25 | $1.51 | $0.23 | ||
| Q1 25 | $1.49 | $0.27 | ||
| Q4 24 | $1.42 | $0.24 | ||
| Q3 24 | $1.27 | $0.15 | ||
| Q2 24 | $0.99 | $0.12 | ||
| Q1 24 | $1.09 | $0.23 |
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 | $130.0M |
| 总债务越低越好 | — | $8.4B |
| 股东权益账面价值 | $608.7M | $9.5B |
| 总资产 | $7.6B | $18.7B |
| 负债/权益比越低杠杆越低 | — | 0.88× |
8季度趋势，按日历期对齐
现金及短期投资ATLCPINVH
| Q4 25 | $621.1M | $130.0M | ||
| Q3 25 | $425.0M | $155.4M | ||
| Q2 25 | $329.4M | $65.1M | ||
| Q1 25 | $350.4M | $84.4M | ||
| Q4 24 | $375.4M | $174.5M | ||
| Q3 24 | $308.7M | $1.0B | ||
| Q2 24 | $350.9M | $749.4M | ||
| Q1 24 | $444.8M | $738.1M |
总债务ATLCPINVH
| Q4 25 | — | $8.4B | ||
| Q3 25 | — | $8.2B | ||
| Q2 25 | — | $8.2B | ||
| Q1 25 | — | $8.1B | ||
| Q4 24 | — | $8.2B | ||
| Q3 24 | — | $9.0B | ||
| Q2 24 | — | $8.5B | ||
| Q1 24 | — | $8.5B |
股东权益ATLCPINVH
| Q4 25 | $608.7M | $9.5B | ||
| Q3 25 | $589.3M | $9.6B | ||
| Q2 25 | $563.3M | $9.7B | ||
| Q1 25 | $532.7M | $9.7B | ||
| Q4 24 | $492.9M | $9.8B | ||
| Q3 24 | $457.7M | $9.9B | ||
| Q2 24 | $433.8M | $10.0B | ||
| Q1 24 | $416.0M | $10.1B |
总资产ATLCPINVH
| Q4 25 | $7.6B | $18.7B | ||
| Q3 25 | $7.1B | $18.8B | ||
| Q2 25 | $3.6B | $18.7B | ||
| Q1 25 | $3.3B | $18.6B | ||
| Q4 24 | $3.3B | $18.7B | ||
| Q3 24 | $3.0B | $19.6B | ||
| Q2 24 | $2.8B | $19.2B | ||
| Q1 24 | $2.8B | $19.2B |
负债/权益比ATLCPINVH
| Q4 25 | — | 0.88× | ||
| Q3 25 | — | 0.86× | ||
| Q2 25 | — | 0.85× | ||
| Q1 25 | — | 0.83× | ||
| Q4 24 | — | 0.84× | ||
| Q3 24 | — | 0.91× | ||
| Q2 24 | — | 0.85× | ||
| 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 | $128.7M |
| 自由现金流经营现金流 - 资本支出 | — | $122.4M |
| 自由现金流率自由现金流/营收 | — | 17.9% |
| 资本支出强度资本支出/营收 | — | 0.9% |
| 现金转化率经营现金流/净利润 | 7.69× | 0.89× |
| 过去12个月自由现金流最近4个季度 | — | $1.2B |
8季度趋势，按日历期对齐
经营现金流ATLCPINVH
| Q4 25 | $266.3M | $128.7M | ||
| Q3 25 | $107.5M | $394.6M | ||
| Q2 25 | $132.7M | $382.5M | ||
| Q1 25 | $131.6M | $300.5M | ||
| Q4 24 | $122.6M | $132.8M | ||
| Q3 24 | $112.4M | $313.6M | ||
| Q2 24 | $115.6M | $369.8M | ||
| Q1 24 | $118.8M | $265.6M |
自由现金流ATLCPINVH
| Q4 25 | — | $122.4M | ||
| Q3 25 | — | $387.8M | ||
| Q2 25 | — | $374.4M | ||
| Q1 25 | — | $293.3M | ||
| Q4 24 | — | $125.0M | ||
| Q3 24 | — | $305.2M | ||
| Q2 24 | — | $363.8M | ||
| Q1 24 | — | $257.1M |
自由现金流率ATLCPINVH
| Q4 25 | — | 17.9% | ||
| Q3 25 | — | 56.4% | ||
| Q2 25 | — | 54.9% | ||
| Q1 25 | — | 43.5% | ||
| Q4 24 | — | 19.0% | ||
| Q3 24 | — | 46.2% | ||
| Q2 24 | — | 55.7% | ||
| Q1 24 | — | 39.8% |
资本支出强度ATLCPINVH
| Q4 25 | — | 0.9% | ||
| Q3 25 | — | 1.0% | ||
| Q2 25 | — | 1.2% | ||
| Q1 25 | — | 1.1% | ||
| Q4 24 | — | 1.2% | ||
| Q3 24 | — | 1.3% | ||
| Q2 24 | — | 0.9% | ||
| Q1 24 | — | 1.3% |
现金转化率ATLCPINVH
| Q4 25 | 7.69× | 0.89× | ||
| Q3 25 | 4.30× | 2.89× | ||
| Q2 25 | 4.34× | 2.71× | ||
| Q1 25 | 4.17× | 1.81× | ||
| Q4 24 | 3.96× | 0.93× | ||
| Q3 24 | 3.80× | 3.29× | ||
| Q2 24 | 4.76× | 5.05× | ||
| Q1 24 | 4.54× | 1.87× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
