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Atlanticus Holdings Corp（ATLCP）与LendingClub Corp（LC）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LendingClub Corp的2.8倍（$734.4M vs $266.5M）。Atlanticus Holdings Corp同比增速更快（107.8% vs 22.7%）。过去两年Atlanticus Holdings Corp的营收复合增速更高（58.9% vs 21.4%）
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。
LendingClub Corp是总部位于美国加利福尼亚州旧金山的金融服务企业，是全球首家将旗下产品作为证券完成注册的P2P借贷平台，同时支持贷款在二级市场交易。巅峰时期它是全球规模最大的P2P借贷平台，截至2015年12月31日，平台累计促成贷款发放额达159.8亿美元。
ATLCP vs LC — 直观对比
营收规模更大
ATLCP
是对方的2.8倍
$266.5M
营收增速更快
ATLCP
高出85.1%
22.7%
两年增速更快
ATLCP
近两年复合增速
21.4%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $734.4M | $266.5M |
| 净利润 | $34.6M | — |
| 毛利率 | 92.4% | — |
| 营业利润率 | 6.3% | 18.8% |
| 净利率 | 4.7% | — |
| 营收同比 | 107.8% | 22.7% |
| 净利润同比 | 11.7% | — |
| 每股收益（稀释后） | $1.75 | $0.36 |
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ATLCPLC
| Q4 25 | $734.4M | $266.5M | ||
| Q3 25 | $494.7M | $266.2M | ||
| Q2 25 | $394.2M | $248.4M | ||
| Q1 25 | $345.2M | $217.7M | ||
| Q4 24 | $353.5M | $217.2M | ||
| Q3 24 | $351.2M | $201.9M | ||
| Q2 24 | $316.0M | $187.2M | ||
| Q1 24 | $290.7M | $180.7M |
净利润ATLCPLC
| Q4 25 | $34.6M | — | ||
| Q3 25 | $25.0M | $44.3M | ||
| Q2 25 | $30.6M | $38.2M | ||
| Q1 25 | $31.5M | $11.7M | ||
| Q4 24 | $31.0M | — | ||
| Q3 24 | $29.5M | $14.5M | ||
| Q2 24 | $24.3M | $14.9M | ||
| Q1 24 | $26.2M | $12.3M |
毛利率ATLCPLC
| 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ATLCPLC
| Q4 25 | 6.3% | 18.8% | ||
| Q3 25 | 6.6% | 21.5% | ||
| Q2 25 | 10.2% | 21.7% | ||
| Q1 25 | 11.8% | 7.2% | ||
| Q4 24 | 11.3% | 5.1% | ||
| Q3 24 | 10.6% | 8.9% | ||
| Q2 24 | 9.1% | 10.4% | ||
| Q1 24 | 11.3% | 9.1% |
净利率ATLCPLC
| Q4 25 | 4.7% | — | ||
| Q3 25 | 5.0% | 16.6% | ||
| Q2 25 | 7.8% | 15.4% | ||
| Q1 25 | 9.1% | 5.4% | ||
| Q4 24 | 8.8% | — | ||
| Q3 24 | 8.4% | 7.2% | ||
| Q2 24 | 7.7% | 8.0% | ||
| Q1 24 | 9.0% | 6.8% |
每股收益（稀释后）ATLCPLC
| Q4 25 | $1.75 | $0.36 | ||
| Q3 25 | $1.21 | $0.37 | ||
| Q2 25 | $1.51 | $0.33 | ||
| Q1 25 | $1.49 | $0.10 | ||
| Q4 24 | $1.42 | $0.08 | ||
| Q3 24 | $1.27 | $0.13 | ||
| Q2 24 | $0.99 | $0.13 | ||
| Q1 24 | $1.09 | $0.11 |
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 | — | $0 |
| 股东权益账面价值 | $608.7M | $1.5B |
| 总资产 | $7.6B | $11.6B |
| 负债/权益比越低杠杆越低 | — | 0.00× |
8季度趋势，按日历期对齐
现金及短期投资ATLCPLC
| Q4 25 | $621.1M | — | ||
| Q3 25 | $425.0M | — | ||
| Q2 25 | $329.4M | — | ||
| Q1 25 | $350.4M | — | ||
| Q4 24 | $375.4M | — | ||
| Q3 24 | $308.7M | — | ||
| Q2 24 | $350.9M | — | ||
| Q1 24 | $444.8M | — |
总债务ATLCPLC
| Q4 25 | — | $0 | ||
| Q3 25 | — | $0 | ||
| Q2 25 | — | $0 | ||
| Q1 25 | — | $0 | ||
| Q4 24 | — | $0 | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益ATLCPLC
| Q4 25 | $608.7M | $1.5B | ||
| Q3 25 | $589.3M | $1.5B | ||
| Q2 25 | $563.3M | $1.4B | ||
| Q1 25 | $532.7M | $1.4B | ||
| Q4 24 | $492.9M | $1.3B | ||
| Q3 24 | $457.7M | $1.3B | ||
| Q2 24 | $433.8M | $1.3B | ||
| Q1 24 | $416.0M | $1.3B |
总资产ATLCPLC
| Q4 25 | $7.6B | $11.6B | ||
| Q3 25 | $7.1B | $11.1B | ||
| Q2 25 | $3.6B | $10.8B | ||
| Q1 25 | $3.3B | $10.5B | ||
| Q4 24 | $3.3B | $10.6B | ||
| Q3 24 | $3.0B | $11.0B | ||
| Q2 24 | $2.8B | $9.6B | ||
| Q1 24 | $2.8B | $9.2B |
负债/权益比ATLCPLC
| Q4 25 | — | 0.00× | ||
| Q3 25 | — | 0.00× | ||
| Q2 25 | — | 0.00× | ||
| Q1 25 | — | 0.00× | ||
| Q4 24 | — | 0.00× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $-903.8M |
| 自由现金流经营现金流 - 资本支出 | — | $-919.3M |
| 自由现金流率自由现金流/营收 | — | -345.0% |
| 资本支出强度资本支出/营收 | — | 5.8% |
| 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 | — | $-2.9B |
8季度趋势，按日历期对齐
经营现金流ATLCPLC
| Q4 25 | $266.3M | $-903.8M | ||
| Q3 25 | $107.5M | $-770.8M | ||
| Q2 25 | $132.7M | $-713.1M | ||
| Q1 25 | $131.6M | $-339.3M | ||
| Q4 24 | $122.6M | $-185.4M | ||
| Q3 24 | $112.4M | $-669.8M | ||
| Q2 24 | $115.6M | $-932.5M | ||
| Q1 24 | $118.8M | $-846.5M |
自由现金流ATLCPLC
| Q4 25 | — | $-919.3M | ||
| Q3 25 | — | $-791.8M | ||
| Q2 25 | — | $-803.8M | ||
| Q1 25 | — | $-352.3M | ||
| Q4 24 | — | $-202.6M | ||
| Q3 24 | — | $-682.3M | ||
| Q2 24 | — | $-945.3M | ||
| Q1 24 | — | $-858.3M |
自由现金流率ATLCPLC
| Q4 25 | — | -345.0% | ||
| Q3 25 | — | -297.4% | ||
| Q2 25 | — | -323.5% | ||
| Q1 25 | — | -161.8% | ||
| Q4 24 | — | -93.3% | ||
| Q3 24 | — | -338.0% | ||
| Q2 24 | — | -504.9% | ||
| Q1 24 | — | -475.0% |
资本支出强度ATLCPLC
| Q4 25 | — | 5.8% | ||
| Q3 25 | — | 7.9% | ||
| Q2 25 | — | 36.5% | ||
| Q1 25 | — | 6.0% | ||
| Q4 24 | — | 7.9% | ||
| Q3 24 | — | 6.2% | ||
| Q2 24 | — | 6.9% | ||
| Q1 24 | — | 6.5% |
现金转化率ATLCPLC
| Q4 25 | 7.69× | — | ||
| Q3 25 | 4.30× | -17.41× | ||
| Q2 25 | 4.34× | -18.68× | ||
| Q1 25 | 4.17× | -29.07× | ||
| Q4 24 | 3.96× | — | ||
| Q3 24 | 3.80× | -46.33× | ||
| Q2 24 | 4.76× | -62.57× | ||
| Q1 24 | 4.54× | -69.10× |
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
LC
| Lending Club Bank | $162.8M | 61% |
| Other | $82.3M | 31% |
| Servicing Fees | $12.8M | 5% |
| Lending Club Corporation | $8.5M | 3% |
