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Atlanticus Holdings Corp（ATLCP）与Open Lending Corp（LPRO）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Open Lending Corp的38.0倍（$734.4M vs $19.3M）。Open Lending Corp同比增速更快（134.0% vs 107.8%）。过去两年Atlanticus Holdings Corp的营收复合增速更高（58.9% vs -13.8%）
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。
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ATLCP vs LPRO — 直观对比
营收规模更大
ATLCP
是对方的38.0倍
$19.3M
营收增速更快
LPRO
高出26.2%
107.8%
两年增速更快
ATLCP
近两年复合增速
-13.8%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $734.4M | $19.3M |
| 净利润 | $34.6M | — |
| 毛利率 | 92.4% | 76.0% |
| 营业利润率 | 6.3% | 3.9% |
| 净利率 | 4.7% | — |
| 营收同比 | 107.8% | 134.0% |
| 净利润同比 | 11.7% | — |
| 每股收益（稀释后） | $1.75 | $-0.00 |
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ATLCPLPRO
| Q4 25 | $734.4M | $19.3M | ||
| Q3 25 | $494.7M | $24.2M | ||
| Q2 25 | $394.2M | $25.3M | ||
| Q1 25 | $345.2M | $24.4M | ||
| Q4 24 | $353.5M | $-56.9M | ||
| Q3 24 | $351.2M | $23.5M | ||
| Q2 24 | $316.0M | — | ||
| Q1 24 | $290.7M | — |
净利润ATLCPLPRO
| Q4 25 | $34.6M | — | ||
| Q3 25 | $25.0M | $-7.6M | ||
| Q2 25 | $30.6M | $1.0M | ||
| Q1 25 | $31.5M | $617.0K | ||
| Q4 24 | $31.0M | — | ||
| Q3 24 | $29.5M | $1.4M | ||
| Q2 24 | $24.3M | — | ||
| Q1 24 | $26.2M | — |
毛利率ATLCPLPRO
| Q4 25 | 92.4% | 76.0% | ||
| Q3 25 | 92.1% | 78.0% | ||
| Q2 25 | 91.4% | 78.2% | ||
| Q1 25 | 90.7% | 75.1% | ||
| Q4 24 | 89.9% | 111.0% | ||
| Q3 24 | 92.0% | 73.9% | ||
| Q2 24 | 91.2% | — | ||
| Q1 24 | 90.8% | — |
营业利润率ATLCPLPRO
| Q4 25 | 6.3% | 3.9% | ||
| Q3 25 | 6.6% | -31.9% | ||
| Q2 25 | 10.2% | 4.6% | ||
| Q1 25 | 11.8% | 3.1% | ||
| Q4 24 | 11.3% | 138.0% | ||
| Q3 24 | 10.6% | 7.9% | ||
| Q2 24 | 9.1% | — | ||
| Q1 24 | 11.3% | — |
净利率ATLCPLPRO
| Q4 25 | 4.7% | — | ||
| Q3 25 | 5.0% | -31.3% | ||
| Q2 25 | 7.8% | 4.1% | ||
| Q1 25 | 9.1% | 2.5% | ||
| Q4 24 | 8.8% | — | ||
| Q3 24 | 8.4% | 6.1% | ||
| Q2 24 | 7.7% | — | ||
| Q1 24 | 9.0% | — |
每股收益（稀释后）ATLCPLPRO
| Q4 25 | $1.75 | $-0.00 | ||
| Q3 25 | $1.21 | $-0.06 | ||
| Q2 25 | $1.51 | $0.01 | ||
| Q1 25 | $1.49 | $0.01 | ||
| Q4 24 | $1.42 | $-1.20 | ||
| Q3 24 | $1.27 | $0.01 | ||
| 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 | $176.6M |
| 总债务越低越好 | — | $84.8M |
| 股东权益账面价值 | $608.7M | $75.0M |
| 总资产 | $7.6B | $236.7M |
| 负债/权益比越低杠杆越低 | — | 1.13× |
8季度趋势，按日历期对齐
现金及短期投资ATLCPLPRO
| Q4 25 | $621.1M | $176.6M | ||
| Q3 25 | $425.0M | $222.1M | ||
| Q2 25 | $329.4M | $230.7M | ||
| Q1 25 | $350.4M | $236.2M | ||
| Q4 24 | $375.4M | $243.2M | ||
| Q3 24 | $308.7M | $250.2M | ||
| Q2 24 | $350.9M | — | ||
| Q1 24 | $444.8M | — |
总债务ATLCPLPRO
| Q4 25 | — | $84.8M | ||
| Q3 25 | — | $134.4M | ||
| Q2 25 | — | $136.1M | ||
| Q1 25 | — | $137.9M | ||
| Q4 24 | — | $139.7M | ||
| Q3 24 | — | $141.5M | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益ATLCPLPRO
| Q4 25 | $608.7M | $75.0M | ||
| Q3 25 | $589.3M | $72.8M | ||
| Q2 25 | $563.3M | $78.9M | ||
| Q1 25 | $532.7M | $79.8M | ||
| Q4 24 | $492.9M | $78.1M | ||
| Q3 24 | $457.7M | $220.5M | ||
| Q2 24 | $433.8M | — | ||
| Q1 24 | $416.0M | — |
总资产ATLCPLPRO
| Q4 25 | $7.6B | $236.7M | ||
| Q3 25 | $7.1B | $287.7M | ||
| Q2 25 | $3.6B | $296.7M | ||
| Q1 25 | $3.3B | $304.2M | ||
| Q4 24 | $3.3B | $296.4M | ||
| Q3 24 | $3.0B | $395.7M | ||
| Q2 24 | $2.8B | — | ||
| Q1 24 | $2.8B | — |
负债/权益比ATLCPLPRO
| Q4 25 | — | 1.13× | ||
| Q3 25 | — | 1.84× | ||
| Q2 25 | — | 1.72× | ||
| Q1 25 | — | 1.73× | ||
| Q4 24 | — | 1.79× | ||
| Q3 24 | — | 0.64× | ||
| 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 | $5.5M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | 0.0% |
| 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 | — | — |
8季度趋势，按日历期对齐
经营现金流ATLCPLPRO
| Q4 25 | $266.3M | $5.5M | ||
| Q3 25 | $107.5M | $-5.7M | ||
| Q2 25 | $132.7M | $848.0K | ||
| Q1 25 | $131.6M | $-3.8M | ||
| Q4 24 | $122.6M | $-3.4M | ||
| Q3 24 | $112.4M | $11.4M | ||
| Q2 24 | $115.6M | — | ||
| Q1 24 | $118.8M | — |
自由现金流ATLCPLPRO
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | $837.0K | ||
| Q1 25 | — | $-3.9M | ||
| Q4 24 | — | $-3.4M | ||
| Q3 24 | — | $11.3M | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
自由现金流率ATLCPLPRO
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 3.3% | ||
| Q1 25 | — | -15.9% | ||
| Q4 24 | — | 5.9% | ||
| Q3 24 | — | 48.0% | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
资本支出强度ATLCPLPRO
| Q4 25 | — | 0.0% | ||
| Q3 25 | — | 0.0% | ||
| Q2 25 | — | 0.0% | ||
| Q1 25 | — | 0.2% | ||
| Q4 24 | — | -0.0% | ||
| Q3 24 | — | 0.5% | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
现金转化率ATLCPLPRO
| Q4 25 | 7.69× | — | ||
| Q3 25 | 4.30× | — | ||
| Q2 25 | 4.34× | 0.82× | ||
| Q1 25 | 4.17× | -6.22× | ||
| Q4 24 | 3.96× | — | ||
| Q3 24 | 3.80× | 7.92× | ||
| 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
