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Atlanticus Holdings Corp（ATLCP）与LifeStance Health Group, Inc.（LFST）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LifeStance Health Group, Inc.的1.9倍（$734.4M vs $382.2M），Atlanticus Holdings Corp净利率更高（4.7% vs 3.1%，领先1.7%），Atlanticus Holdings Corp同比增速更快（107.8% vs 17.4%），过去两年Atlanticus Holdings Corp的营收复合增速更高（58.9% vs 12.8%）
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。
LifeStance Health Group是美国的门诊行为健康服务提供商，支持线下面诊与远程诊疗两种服务模式，业务涵盖心理咨询、精神科诊疗、经颅磁刺激（TMS）以及氯胺酮治疗等。该公司曾多次因劳动违规、客户信息泄露及误导投资者相关问题遭遇诉讼。
ATLCP vs LFST — 直观对比
营收规模更大
ATLCP
是对方的1.9倍
$382.2M
营收增速更快
ATLCP
高出90.3%
17.4%
净利率更高
ATLCP
高出1.7%
3.1%
两年增速更快
ATLCP
近两年复合增速
12.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $734.4M | $382.2M |
| 净利润 | $34.6M | $11.7M |
| 毛利率 | 92.4% | — |
| 营业利润率 | 6.3% | 4.7% |
| 净利率 | 4.7% | 3.1% |
| 营收同比 | 107.8% | 17.4% |
| 净利润同比 | 11.7% | 264.1% |
| 每股收益（稀释后） | $1.75 | — |
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ATLCPLFST
| Q4 25 | $734.4M | $382.2M | ||
| Q3 25 | $494.7M | $363.8M | ||
| Q2 25 | $394.2M | $345.3M | ||
| Q1 25 | $345.2M | $333.0M | ||
| Q4 24 | $353.5M | $325.5M | ||
| Q3 24 | $351.2M | $312.7M | ||
| Q2 24 | $316.0M | $312.3M | ||
| Q1 24 | $290.7M | $300.4M |
净利润ATLCPLFST
| Q4 25 | $34.6M | $11.7M | ||
| Q3 25 | $25.0M | $1.1M | ||
| Q2 25 | $30.6M | $-3.8M | ||
| Q1 25 | $31.5M | $709.0K | ||
| Q4 24 | $31.0M | $-7.1M | ||
| Q3 24 | $29.5M | $-6.0M | ||
| Q2 24 | $24.3M | $-23.3M | ||
| Q1 24 | $26.2M | $-21.1M |
毛利率ATLCPLFST
| 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ATLCPLFST
| Q4 25 | 6.3% | 4.7% | ||
| Q3 25 | 6.6% | 2.0% | ||
| Q2 25 | 10.2% | -0.9% | ||
| Q1 25 | 11.8% | 0.5% | ||
| Q4 24 | 11.3% | 0.3% | ||
| Q3 24 | 10.6% | 0.0% | ||
| Q2 24 | 9.1% | -5.1% | ||
| Q1 24 | 11.3% | -5.6% |
净利率ATLCPLFST
| Q4 25 | 4.7% | 3.1% | ||
| Q3 25 | 5.0% | 0.3% | ||
| Q2 25 | 7.8% | -1.1% | ||
| Q1 25 | 9.1% | 0.2% | ||
| Q4 24 | 8.8% | -2.2% | ||
| Q3 24 | 8.4% | -1.9% | ||
| Q2 24 | 7.7% | -7.5% | ||
| Q1 24 | 9.0% | -7.0% |
每股收益（稀释后）ATLCPLFST
| Q4 25 | $1.75 | — | ||
| Q3 25 | $1.21 | — | ||
| Q2 25 | $1.51 | — | ||
| Q1 25 | $1.49 | — | ||
| Q4 24 | $1.42 | — | ||
| Q3 24 | $1.27 | — | ||
| Q2 24 | $0.99 | — | ||
| Q1 24 | $1.09 | — |
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 | $248.6M |
| 总债务越低越好 | — | $282.8M |
| 股东权益账面价值 | $608.7M | $1.5B |
| 总资产 | $7.6B | $2.2B |
| 负债/权益比越低杠杆越低 | — | 0.19× |
8季度趋势，按日历期对齐
现金及短期投资ATLCPLFST
| Q4 25 | $621.1M | $248.6M | ||
| Q3 25 | $425.0M | $203.9M | ||
| Q2 25 | $329.4M | $188.9M | ||
| Q1 25 | $350.4M | $134.3M | ||
| Q4 24 | $375.4M | $154.6M | ||
| Q3 24 | $308.7M | $102.6M | ||
| Q2 24 | $350.9M | $87.0M | ||
| Q1 24 | $444.8M | $49.5M |
总债务ATLCPLFST
| Q4 25 | — | $282.8M | ||
| Q3 25 | — | $284.6M | ||
| Q2 25 | — | $286.4M | ||
| Q1 25 | — | $288.2M | ||
| Q4 24 | — | $290.0M | ||
| Q3 24 | — | $287.3M | ||
| Q2 24 | — | $288.0M | ||
| Q1 24 | — | $288.8M |
股东权益ATLCPLFST
| Q4 25 | $608.7M | $1.5B | ||
| Q3 25 | $589.3M | $1.5B | ||
| Q2 25 | $563.3M | $1.5B | ||
| Q1 25 | $532.7M | $1.5B | ||
| 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ATLCPLFST
| Q4 25 | $7.6B | $2.2B | ||
| Q3 25 | $7.1B | $2.1B | ||
| Q2 25 | $3.6B | $2.1B | ||
| Q1 25 | $3.3B | $2.1B | ||
| Q4 24 | $3.3B | $2.1B | ||
| Q3 24 | $3.0B | $2.1B | ||
| Q2 24 | $2.8B | $2.1B | ||
| Q1 24 | $2.8B | $2.1B |
负债/权益比ATLCPLFST
| Q4 25 | — | 0.19× | ||
| Q3 25 | — | 0.19× | ||
| Q2 25 | — | 0.19× | ||
| Q1 25 | — | 0.20× | ||
| Q4 24 | — | 0.20× | ||
| Q3 24 | — | 0.20× | ||
| Q2 24 | — | 0.20× | ||
| Q1 24 | — | 0.20× |
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 | $57.6M |
| 自由现金流经营现金流 - 资本支出 | — | $46.6M |
| 自由现金流率自由现金流/营收 | — | 12.2% |
| 资本支出强度资本支出/营收 | — | 2.9% |
| 现金转化率经营现金流/净利润 | 7.69× | 4.93× |
| 过去12个月自由现金流最近4个季度 | — | $110.0M |
8季度趋势，按日历期对齐
经营现金流ATLCPLFST
| Q4 25 | $266.3M | $57.6M | ||
| Q3 25 | $107.5M | $27.3M | ||
| Q2 25 | $132.7M | $64.4M | ||
| Q1 25 | $131.6M | $-3.1M | ||
| Q4 24 | $122.6M | $62.3M | ||
| Q3 24 | $112.4M | $22.7M | ||
| Q2 24 | $115.6M | $44.1M | ||
| Q1 24 | $118.8M | $-21.8M |
自由现金流ATLCPLFST
| Q4 25 | — | $46.6M | ||
| Q3 25 | — | $17.0M | ||
| Q2 25 | — | $56.6M | ||
| Q1 25 | — | $-10.3M | ||
| Q4 24 | — | $56.0M | ||
| Q3 24 | — | $17.7M | ||
| Q2 24 | — | $39.0M | ||
| Q1 24 | — | $-26.9M |
自由现金流率ATLCPLFST
| Q4 25 | — | 12.2% | ||
| Q3 25 | — | 4.7% | ||
| Q2 25 | — | 16.4% | ||
| Q1 25 | — | -3.1% | ||
| Q4 24 | — | 17.2% | ||
| Q3 24 | — | 5.7% | ||
| Q2 24 | — | 12.5% | ||
| Q1 24 | — | -9.0% |
资本支出强度ATLCPLFST
| Q4 25 | — | 2.9% | ||
| Q3 25 | — | 2.8% | ||
| Q2 25 | — | 2.2% | ||
| Q1 25 | — | 2.2% | ||
| Q4 24 | — | 1.9% | ||
| Q3 24 | — | 1.6% | ||
| Q2 24 | — | 1.6% | ||
| Q1 24 | — | 1.7% |
现金转化率ATLCPLFST
| Q4 25 | 7.69× | 4.93× | ||
| Q3 25 | 4.30× | 25.34× | ||
| Q2 25 | 4.34× | — | ||
| Q1 25 | 4.17× | -4.36× | ||
| Q4 24 | 3.96× | — | ||
| Q3 24 | 3.80× | — | ||
| Q2 24 | 4.76× | — | ||
| Q1 24 | 4.54× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
