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Atlanticus Holdings Corp（ATLCP）与美森（MATX）财务数据对比。点击上方公司名可切换其他公司
美森的季度营收约是Atlanticus Holdings Corp的1.2倍（$851.9M vs $734.4M），美森净利率更高（16.8% vs 4.7%，领先12.1%），Atlanticus Holdings Corp同比增速更快（107.8% vs -4.3%），过去两年Atlanticus Holdings Corp的营收复合增速更高（58.9% vs 8.6%）
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。
美森公司（Matson, Inc.）是美国知名航运服务企业，总部位于夏威夷州火奴鲁鲁，成立于1882年。旗下子公司美森航运主营跨太平洋海运业务，服务覆盖夏威夷、阿拉斯加、关岛、密克罗尼西亚、太平洋诸岛、中国及日本等地区。
ATLCP vs MATX — 直观对比
营收规模更大
MATX
是对方的1.2倍
$734.4M
营收增速更快
ATLCP
高出112.1%
-4.3%
净利率更高
MATX
高出12.1%
4.7%
两年增速更快
ATLCP
近两年复合增速
8.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $734.4M | $851.9M |
| 净利润 | $34.6M | $143.1M |
| 毛利率 | 92.4% | — |
| 营业利润率 | 6.3% | 16.9% |
| 净利率 | 4.7% | 16.8% |
| 营收同比 | 107.8% | -4.3% |
| 净利润同比 | 11.7% | 11.8% |
| 每股收益（稀释后） | $1.75 | $4.47 |
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ATLCPMATX
| Q4 25 | $734.4M | $851.9M | ||
| Q3 25 | $494.7M | $880.1M | ||
| Q2 25 | $394.2M | $830.5M | ||
| Q1 25 | $345.2M | $782.0M | ||
| Q4 24 | $353.5M | $890.3M | ||
| Q3 24 | $351.2M | $962.0M | ||
| Q2 24 | $316.0M | $847.4M | ||
| Q1 24 | $290.7M | $722.1M |
净利润ATLCPMATX
| Q4 25 | $34.6M | $143.1M | ||
| Q3 25 | $25.0M | $134.7M | ||
| Q2 25 | $30.6M | $94.7M | ||
| Q1 25 | $31.5M | $72.3M | ||
| Q4 24 | $31.0M | $128.0M | ||
| Q3 24 | $29.5M | $199.1M | ||
| Q2 24 | $24.3M | $113.2M | ||
| Q1 24 | $26.2M | $36.1M |
毛利率ATLCPMATX
| 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ATLCPMATX
| Q4 25 | 6.3% | 16.9% | ||
| Q3 25 | 6.6% | 18.3% | ||
| Q2 25 | 10.2% | 13.6% | ||
| Q1 25 | 11.8% | 10.5% | ||
| Q4 24 | 11.3% | 16.6% | ||
| Q3 24 | 10.6% | 25.2% | ||
| Q2 24 | 9.1% | 14.7% | ||
| Q1 24 | 11.3% | 5.1% |
净利率ATLCPMATX
| Q4 25 | 4.7% | 16.8% | ||
| Q3 25 | 5.0% | 15.3% | ||
| Q2 25 | 7.8% | 11.4% | ||
| Q1 25 | 9.1% | 9.2% | ||
| Q4 24 | 8.8% | 14.4% | ||
| Q3 24 | 8.4% | 20.7% | ||
| Q2 24 | 7.7% | 13.4% | ||
| Q1 24 | 9.0% | 5.0% |
每股收益（稀释后）ATLCPMATX
| Q4 25 | $1.75 | $4.47 | ||
| Q3 25 | $1.21 | $4.24 | ||
| Q2 25 | $1.51 | $2.92 | ||
| Q1 25 | $1.49 | $2.18 | ||
| Q4 24 | $1.42 | $3.69 | ||
| Q3 24 | $1.27 | $5.89 | ||
| Q2 24 | $0.99 | $3.31 | ||
| Q1 24 | $1.09 | $1.04 |
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 | $141.9M |
| 总债务越低越好 | — | $361.2M |
| 股东权益账面价值 | $608.7M | $2.8B |
| 总资产 | $7.6B | $4.6B |
| 负债/权益比越低杠杆越低 | — | 0.13× |
8季度趋势，按日历期对齐
现金及短期投资ATLCPMATX
| Q4 25 | $621.1M | $141.9M | ||
| Q3 25 | $425.0M | $92.7M | ||
| Q2 25 | $329.4M | $59.1M | ||
| Q1 25 | $350.4M | $122.0M | ||
| Q4 24 | $375.4M | $266.8M | ||
| Q3 24 | $308.7M | $270.3M | ||
| Q2 24 | $350.9M | $168.2M | ||
| Q1 24 | $444.8M | $25.9M |
总债务ATLCPMATX
| Q4 25 | — | $361.2M | ||
| Q3 25 | — | $370.9M | ||
| Q2 25 | — | $341.3M | ||
| Q1 25 | — | $351.1M | ||
| Q4 24 | — | $361.2M | ||
| Q3 24 | — | $370.9M | ||
| Q2 24 | — | $381.0M | ||
| Q1 24 | — | $390.8M |
股东权益ATLCPMATX
| Q4 25 | $608.7M | $2.8B | ||
| Q3 25 | $589.3M | $2.7B | ||
| Q2 25 | $563.3M | $2.6B | ||
| Q1 25 | $532.7M | $2.6B | ||
| Q4 24 | $492.9M | $2.7B | ||
| Q3 24 | $457.7M | $2.6B | ||
| Q2 24 | $433.8M | $2.4B | ||
| Q1 24 | $416.0M | $2.4B |
总资产ATLCPMATX
| Q4 25 | $7.6B | $4.6B | ||
| Q3 25 | $7.1B | $4.6B | ||
| Q2 25 | $3.6B | $4.5B | ||
| Q1 25 | $3.3B | $4.5B | ||
| Q4 24 | $3.3B | $4.6B | ||
| Q3 24 | $3.0B | $4.4B | ||
| Q2 24 | $2.8B | $4.3B | ||
| Q1 24 | $2.8B | $4.2B |
负债/权益比ATLCPMATX
| Q4 25 | — | 0.13× | ||
| Q3 25 | — | 0.14× | ||
| Q2 25 | — | 0.13× | ||
| Q1 25 | — | 0.13× | ||
| Q4 24 | — | 0.14× | ||
| Q3 24 | — | 0.15× | ||
| Q2 24 | — | 0.16× | ||
| Q1 24 | — | 0.16× |
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 | $176.9M |
| 自由现金流经营现金流 - 资本支出 | — | $42.2M |
| 自由现金流率自由现金流/营收 | — | 5.0% |
| 资本支出强度资本支出/营收 | — | 15.8% |
| 现金转化率经营现金流/净利润 | 7.69× | 1.24× |
| 过去12个月自由现金流最近4个季度 | — | $153.7M |
8季度趋势，按日历期对齐
经营现金流ATLCPMATX
| Q4 25 | $266.3M | $176.9M | ||
| Q3 25 | $107.5M | $175.6M | ||
| Q2 25 | $132.7M | $105.6M | ||
| Q1 25 | $131.6M | $89.0M | ||
| Q4 24 | $122.6M | $174.7M | ||
| Q3 24 | $112.4M | $248.6M | ||
| Q2 24 | $115.6M | $307.9M | ||
| Q1 24 | $118.8M | $36.6M |
自由现金流ATLCPMATX
| Q4 25 | — | $42.2M | ||
| Q3 25 | — | $92.4M | ||
| Q2 25 | — | $19.3M | ||
| Q1 25 | — | $-200.0K | ||
| Q4 24 | — | $49.3M | ||
| Q3 24 | — | $189.0M | ||
| Q2 24 | — | $238.1M | ||
| Q1 24 | — | $-18.7M |
自由现金流率ATLCPMATX
| Q4 25 | — | 5.0% | ||
| Q3 25 | — | 10.5% | ||
| Q2 25 | — | 2.3% | ||
| Q1 25 | — | -0.0% | ||
| Q4 24 | — | 5.5% | ||
| Q3 24 | — | 19.6% | ||
| Q2 24 | — | 28.1% | ||
| Q1 24 | — | -2.6% |
资本支出强度ATLCPMATX
| Q4 25 | — | 15.8% | ||
| Q3 25 | — | 9.5% | ||
| Q2 25 | — | 10.4% | ||
| Q1 25 | — | 11.4% | ||
| Q4 24 | — | 14.1% | ||
| Q3 24 | — | 6.2% | ||
| Q2 24 | — | 8.2% | ||
| Q1 24 | — | 7.7% |
现金转化率ATLCPMATX
| Q4 25 | 7.69× | 1.24× | ||
| Q3 25 | 4.30× | 1.30× | ||
| Q2 25 | 4.34× | 1.12× | ||
| Q1 25 | 4.17× | 1.23× | ||
| Q4 24 | 3.96× | 1.36× | ||
| Q3 24 | 3.80× | 1.25× | ||
| Q2 24 | 4.76× | 2.72× | ||
| Q1 24 | 4.54× | 1.01× |
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
MATX
| Ocean Transportation Segment | $704.2M | 83% |
| Logistics Services Segment | $147.7M | 17% |
