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Atlanticus Holdings Corp（ATLCP）与LCI INDUSTRIES（LCII）财务数据对比。点击上方公司名可切换其他公司
LCI INDUSTRIES的季度营收约是Atlanticus Holdings Corp的1.3倍（$932.7M vs $734.4M），Atlanticus Holdings Corp净利率更高（4.7% vs 2.0%，领先2.7%），Atlanticus Holdings Corp同比增速更快（107.8% vs 16.1%），过去两年Atlanticus Holdings Corp的营收复合增速更高（58.9% vs -1.8%）
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。
拉奇核心工业有限公司前身为巴基斯坦帝国化学工业公司，是一家总部位于卡拉奇的巴基斯坦综合性企业集团，业务覆盖聚酯、医药、农用化学品、纯碱及兽药等多品类产品的研发生产，在巴基斯坦本土工业领域拥有重要市场地位。
ATLCP vs LCII — 直观对比
营收规模更大
LCII
是对方的1.3倍
$734.4M
营收增速更快
ATLCP
高出91.6%
16.1%
净利率更高
ATLCP
高出2.7%
2.0%
两年增速更快
ATLCP
近两年复合增速
-1.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $734.4M | $932.7M |
| 净利润 | $34.6M | $18.7M |
| 毛利率 | 92.4% | 22.1% |
| 营业利润率 | 6.3% | 3.8% |
| 净利率 | 4.7% | 2.0% |
| 营收同比 | 107.8% | 16.1% |
| 净利润同比 | 11.7% | 95.7% |
| 每股收益（稀释后） | $1.75 | $0.79 |
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ATLCPLCII
| Q4 25 | $734.4M | $932.7M | ||
| Q3 25 | $494.7M | $1.0B | ||
| Q2 25 | $394.2M | $1.1B | ||
| Q1 25 | $345.2M | $1.0B | ||
| Q4 24 | $353.5M | $803.1M | ||
| Q3 24 | $351.2M | $915.5M | ||
| Q2 24 | $316.0M | $1.1B | ||
| Q1 24 | $290.7M | $968.0M |
净利润ATLCPLCII
| Q4 25 | $34.6M | $18.7M | ||
| Q3 25 | $25.0M | $62.5M | ||
| Q2 25 | $30.6M | $57.6M | ||
| Q1 25 | $31.5M | $49.4M | ||
| Q4 24 | $31.0M | $9.5M | ||
| Q3 24 | $29.5M | $35.6M | ||
| Q2 24 | $24.3M | $61.2M | ||
| Q1 24 | $26.2M | $36.5M |
毛利率ATLCPLCII
| Q4 25 | 92.4% | 22.1% | ||
| Q3 25 | 92.1% | 24.4% | ||
| Q2 25 | 91.4% | 24.4% | ||
| Q1 25 | 90.7% | 24.1% | ||
| Q4 24 | 89.9% | 21.1% | ||
| Q3 24 | 92.0% | 24.0% | ||
| Q2 24 | 91.2% | 25.3% | ||
| Q1 24 | 90.8% | 23.1% |
营业利润率ATLCPLCII
| Q4 25 | 6.3% | 3.8% | ||
| Q3 25 | 6.6% | 7.3% | ||
| Q2 25 | 10.2% | 7.9% | ||
| Q1 25 | 11.8% | 7.8% | ||
| Q4 24 | 11.3% | 2.0% | ||
| Q3 24 | 10.6% | 5.9% | ||
| Q2 24 | 9.1% | 8.6% | ||
| Q1 24 | 11.3% | 6.0% |
净利率ATLCPLCII
| Q4 25 | 4.7% | 2.0% | ||
| Q3 25 | 5.0% | 6.0% | ||
| Q2 25 | 7.8% | 5.2% | ||
| Q1 25 | 9.1% | 4.7% | ||
| Q4 24 | 8.8% | 1.2% | ||
| Q3 24 | 8.4% | 3.9% | ||
| Q2 24 | 7.7% | 5.8% | ||
| Q1 24 | 9.0% | 3.8% |
每股收益（稀释后）ATLCPLCII
| Q4 25 | $1.75 | $0.79 | ||
| Q3 25 | $1.21 | $2.55 | ||
| Q2 25 | $1.51 | $2.29 | ||
| Q1 25 | $1.49 | $1.94 | ||
| Q4 24 | $1.42 | $0.37 | ||
| Q3 24 | $1.27 | $1.39 | ||
| Q2 24 | $0.99 | $2.40 | ||
| Q1 24 | $1.09 | $1.44 |
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 | $222.6M |
| 总债务越低越好 | — | $945.2M |
| 股东权益账面价值 | $608.7M | $1.4B |
| 总资产 | $7.6B | $3.2B |
| 负债/权益比越低杠杆越低 | — | 0.69× |
8季度趋势，按日历期对齐
现金及短期投资ATLCPLCII
| Q4 25 | $621.1M | $222.6M | ||
| Q3 25 | $425.0M | $199.7M | ||
| Q2 25 | $329.4M | $191.9M | ||
| Q1 25 | $350.4M | $231.2M | ||
| Q4 24 | $375.4M | $165.8M | ||
| Q3 24 | $308.7M | $161.2M | ||
| Q2 24 | $350.9M | $130.4M | ||
| Q1 24 | $444.8M | $22.6M |
总债务ATLCPLCII
| Q4 25 | — | $945.2M | ||
| Q3 25 | — | $947.8M | ||
| Q2 25 | — | $948.0M | ||
| Q1 25 | — | $938.3M | ||
| Q4 24 | — | $757.3M | ||
| Q3 24 | — | $822.5M | ||
| Q2 24 | — | $829.7M | ||
| Q1 24 | — | $855.3M |
股东权益ATLCPLCII
| Q4 25 | $608.7M | $1.4B | ||
| Q3 25 | $589.3M | $1.4B | ||
| Q2 25 | $563.3M | $1.4B | ||
| Q1 25 | $532.7M | $1.4B | ||
| Q4 24 | $492.9M | $1.4B | ||
| Q3 24 | $457.7M | $1.4B | ||
| Q2 24 | $433.8M | $1.4B | ||
| Q1 24 | $416.0M | $1.4B |
总资产ATLCPLCII
| Q4 25 | $7.6B | $3.2B | ||
| Q3 25 | $7.1B | $3.2B | ||
| Q2 25 | $3.6B | $3.2B | ||
| Q1 25 | $3.3B | $3.1B | ||
| Q4 24 | $3.3B | $2.9B | ||
| Q3 24 | $3.0B | $3.0B | ||
| Q2 24 | $2.8B | $3.0B | ||
| Q1 24 | $2.8B | $3.0B |
负债/权益比ATLCPLCII
| Q4 25 | — | 0.69× | ||
| Q3 25 | — | 0.70× | ||
| Q2 25 | — | 0.68× | ||
| Q1 25 | — | 0.69× | ||
| Q4 24 | — | 0.55× | ||
| Q3 24 | — | 0.58× | ||
| Q2 24 | — | 0.60× | ||
| Q1 24 | — | 0.63× |
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 | $78.9M |
| 自由现金流经营现金流 - 资本支出 | — | $64.3M |
| 自由现金流率自由现金流/营收 | — | 6.9% |
| 资本支出强度资本支出/营收 | — | 1.6% |
| 现金转化率经营现金流/净利润 | 7.69× | 4.22× |
| 过去12个月自由现金流最近4个季度 | — | $278.3M |
8季度趋势，按日历期对齐
经营现金流ATLCPLCII
| Q4 25 | $266.3M | $78.9M | ||
| Q3 25 | $107.5M | $97.2M | ||
| Q2 25 | $132.7M | $112.2M | ||
| Q1 25 | $131.6M | $42.7M | ||
| Q4 24 | $122.6M | $106.6M | ||
| Q3 24 | $112.4M | $78.4M | ||
| Q2 24 | $115.6M | $192.9M | ||
| Q1 24 | $118.8M | $-7.7M |
自由现金流ATLCPLCII
| Q4 25 | — | $64.3M | ||
| Q3 25 | — | $80.9M | ||
| Q2 25 | — | $99.5M | ||
| Q1 25 | — | $33.7M | ||
| Q4 24 | — | $95.7M | ||
| Q3 24 | — | $68.3M | ||
| Q2 24 | — | $180.2M | ||
| Q1 24 | — | $-16.3M |
自由现金流率ATLCPLCII
| Q4 25 | — | 6.9% | ||
| Q3 25 | — | 7.8% | ||
| Q2 25 | — | 9.0% | ||
| Q1 25 | — | 3.2% | ||
| Q4 24 | — | 11.9% | ||
| Q3 24 | — | 7.5% | ||
| Q2 24 | — | 17.1% | ||
| Q1 24 | — | -1.7% |
资本支出强度ATLCPLCII
| Q4 25 | — | 1.6% | ||
| Q3 25 | — | 1.6% | ||
| Q2 25 | — | 1.2% | ||
| Q1 25 | — | 0.9% | ||
| Q4 24 | — | 1.4% | ||
| Q3 24 | — | 1.1% | ||
| Q2 24 | — | 1.2% | ||
| Q1 24 | — | 0.9% |
现金转化率ATLCPLCII
| Q4 25 | 7.69× | 4.22× | ||
| Q3 25 | 4.30× | 1.55× | ||
| Q2 25 | 4.34× | 1.95× | ||
| Q1 25 | 4.17× | 0.86× | ||
| Q4 24 | 3.96× | 11.17× | ||
| Q3 24 | 3.80× | 2.20× | ||
| Q2 24 | 4.76× | 3.15× | ||
| Q1 24 | 4.54× | -0.21× |
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
LCII
| Travel Trailer And Fifth Wheels | $378.4M | 41% |
| Chassis Chassis Partsand Slideout Mechanisms | $206.1M | 22% |
| Furnitureand Mattresses | $120.4M | 13% |
| Appliances | $69.9M | 7% |
| Other Products | $69.1M | 7% |
| Axlesand Suspension Solutions | $62.3M | 7% |
| Motorhomes | $34.2M | 4% |
