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Atlanticus Holdings Corp（ATLCP）与摩丁制造（MOD）财务数据对比。点击上方公司名可切换其他公司
摩丁制造的季度营收约是Atlanticus Holdings Corp的1.1倍（$805.0M vs $734.4M），Atlanticus Holdings Corp净利率更高（4.7% vs -5.9%，领先10.6%），Atlanticus Holdings Corp同比增速更快（107.8% vs 30.5%），过去两年Atlanticus Holdings Corp的营收复合增速更高（58.9% vs 15.5%）
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。
摩丁制造是1916年成立于美国的热管理企业。创始人亚瑟·B·摩丁获拖拉机Spirex散热器专利后创立公司，曾为福特T型车生产Turbotube散热器，1941年在威斯康星州拉辛建成全球首个车用风洞，二战期间为P-51野马战斗机供应后冷却器。
ATLCP vs MOD — 直观对比
营收规模更大
MOD
是对方的1.1倍
$734.4M
营收增速更快
ATLCP
高出77.2%
30.5%
净利率更高
ATLCP
高出10.6%
-5.9%
两年增速更快
ATLCP
近两年复合增速
15.5%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $734.4M | $805.0M |
| 净利润 | $34.6M | $-47.4M |
| 毛利率 | 92.4% | 23.1% |
| 营业利润率 | 6.3% | 11.1% |
| 净利率 | 4.7% | -5.9% |
| 营收同比 | 107.8% | 30.5% |
| 净利润同比 | 11.7% | -215.6% |
| 每股收益（稀释后） | $1.75 | $-0.90 |
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ATLCPMOD
| Q4 25 | $734.4M | $805.0M | ||
| Q3 25 | $494.7M | $738.9M | ||
| Q2 25 | $394.2M | $682.8M | ||
| Q1 25 | $345.2M | $647.2M | ||
| Q4 24 | $353.5M | $616.8M | ||
| Q3 24 | $351.2M | $658.0M | ||
| Q2 24 | $316.0M | $661.5M | ||
| Q1 24 | $290.7M | $603.5M |
净利润ATLCPMOD
| Q4 25 | $34.6M | $-47.4M | ||
| Q3 25 | $25.0M | $44.4M | ||
| Q2 25 | $30.6M | $51.2M | ||
| Q1 25 | $31.5M | $49.6M | ||
| Q4 24 | $31.0M | $41.0M | ||
| Q3 24 | $29.5M | $46.1M | ||
| Q2 24 | $24.3M | $47.3M | ||
| Q1 24 | $26.2M | $25.8M |
毛利率ATLCPMOD
| Q4 25 | 92.4% | 23.1% | ||
| Q3 25 | 92.1% | 22.3% | ||
| Q2 25 | 91.4% | 24.2% | ||
| Q1 25 | 90.7% | 25.6% | ||
| Q4 24 | 89.9% | 24.3% | ||
| Q3 24 | 92.0% | 25.2% | ||
| Q2 24 | 91.2% | 24.6% | ||
| Q1 24 | 90.8% | 22.4% |
营业利润率ATLCPMOD
| Q4 25 | 6.3% | 11.1% | ||
| Q3 25 | 6.6% | 9.9% | ||
| Q2 25 | 10.2% | 11.1% | ||
| Q1 25 | 11.8% | 11.5% | ||
| Q4 24 | 11.3% | 9.6% | ||
| Q3 24 | 10.6% | 11.4% | ||
| Q2 24 | 9.1% | 11.2% | ||
| Q1 24 | 11.3% | 7.8% |
净利率ATLCPMOD
| Q4 25 | 4.7% | -5.9% | ||
| Q3 25 | 5.0% | 6.0% | ||
| Q2 25 | 7.8% | 7.5% | ||
| Q1 25 | 9.1% | 7.7% | ||
| Q4 24 | 8.8% | 6.6% | ||
| Q3 24 | 8.4% | 7.0% | ||
| Q2 24 | 7.7% | 7.2% | ||
| Q1 24 | 9.0% | 4.3% |
每股收益（稀释后）ATLCPMOD
| Q4 25 | $1.75 | $-0.90 | ||
| Q3 25 | $1.21 | $0.83 | ||
| Q2 25 | $1.51 | $0.95 | ||
| Q1 25 | $1.49 | $0.92 | ||
| Q4 24 | $1.42 | $0.76 | ||
| Q3 24 | $1.27 | $0.86 | ||
| Q2 24 | $0.99 | $0.88 | ||
| Q1 24 | $1.09 | $0.48 |
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 | $98.7M |
| 总债务越低越好 | — | $570.7M |
| 股东权益账面价值 | $608.7M | $1.1B |
| 总资产 | $7.6B | $2.5B |
| 负债/权益比越低杠杆越低 | — | 0.51× |
8季度趋势，按日历期对齐
现金及短期投资ATLCPMOD
| Q4 25 | $621.1M | $98.7M | ||
| Q3 25 | $425.0M | $83.8M | ||
| Q2 25 | $329.4M | $124.5M | ||
| Q1 25 | $350.4M | $71.6M | ||
| Q4 24 | $375.4M | $83.8M | ||
| Q3 24 | $308.7M | $78.6M | ||
| Q2 24 | $350.9M | $72.9M | ||
| Q1 24 | $444.8M | $60.1M |
总债务ATLCPMOD
| Q4 25 | — | $570.7M | ||
| Q3 25 | — | $525.8M | ||
| Q2 25 | — | $482.1M | ||
| Q1 25 | — | $296.7M | ||
| Q4 24 | — | $330.0M | ||
| Q3 24 | — | $359.1M | ||
| Q2 24 | — | $405.7M | ||
| Q1 24 | — | $399.9M |
股东权益ATLCPMOD
| Q4 25 | $608.7M | $1.1B | ||
| Q3 25 | $589.3M | $1.1B | ||
| Q2 25 | $563.3M | $1.0B | ||
| Q1 25 | $532.7M | $910.2M | ||
| Q4 24 | $492.9M | $855.1M | ||
| Q3 24 | $457.7M | $858.8M | ||
| Q2 24 | $433.8M | $788.4M | ||
| Q1 24 | $416.0M | $747.6M |
总资产ATLCPMOD
| Q4 25 | $7.6B | $2.5B | ||
| Q3 25 | $7.1B | $2.4B | ||
| Q2 25 | $3.6B | $2.2B | ||
| Q1 25 | $3.3B | $1.9B | ||
| Q4 24 | $3.3B | $1.8B | ||
| Q3 24 | $3.0B | $1.9B | ||
| Q2 24 | $2.8B | $1.9B | ||
| Q1 24 | $2.8B | $1.9B |
负债/权益比ATLCPMOD
| Q4 25 | — | 0.51× | ||
| Q3 25 | — | 0.50× | ||
| Q2 25 | — | 0.48× | ||
| Q1 25 | — | 0.33× | ||
| Q4 24 | — | 0.39× | ||
| Q3 24 | — | 0.42× | ||
| Q2 24 | — | 0.51× | ||
| Q1 24 | — | 0.53× |
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 | $24.7M |
| 自由现金流经营现金流 - 资本支出 | — | $-17.1M |
| 自由现金流率自由现金流/营收 | — | -2.1% |
| 资本支出强度资本支出/营收 | — | 5.2% |
| 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 | — | $-20.3M |
8季度趋势，按日历期对齐
经营现金流ATLCPMOD
| Q4 25 | $266.3M | $24.7M | ||
| Q3 25 | $107.5M | $1.4M | ||
| Q2 25 | $132.7M | $27.7M | ||
| Q1 25 | $131.6M | $54.8M | ||
| Q4 24 | $122.6M | $60.7M | ||
| Q3 24 | $112.4M | $57.3M | ||
| Q2 24 | $115.6M | $40.5M | ||
| Q1 24 | $118.8M | $39.6M |
自由现金流ATLCPMOD
| Q4 25 | — | $-17.1M | ||
| Q3 25 | — | $-30.5M | ||
| Q2 25 | — | $200.0K | ||
| Q1 25 | — | $27.1M | ||
| Q4 24 | — | $44.7M | ||
| Q3 24 | — | $43.8M | ||
| Q2 24 | — | $13.7M | ||
| Q1 24 | — | $-4.3M |
自由现金流率ATLCPMOD
| Q4 25 | — | -2.1% | ||
| Q3 25 | — | -4.1% | ||
| Q2 25 | — | 0.0% | ||
| Q1 25 | — | 4.2% | ||
| Q4 24 | — | 7.2% | ||
| Q3 24 | — | 6.7% | ||
| Q2 24 | — | 2.1% | ||
| Q1 24 | — | -0.7% |
资本支出强度ATLCPMOD
| Q4 25 | — | 5.2% | ||
| Q3 25 | — | 4.3% | ||
| Q2 25 | — | 4.0% | ||
| Q1 25 | — | 4.3% | ||
| Q4 24 | — | 2.6% | ||
| Q3 24 | — | 2.1% | ||
| Q2 24 | — | 4.1% | ||
| Q1 24 | — | 7.3% |
现金转化率ATLCPMOD
| Q4 25 | 7.69× | — | ||
| Q3 25 | 4.30× | 0.03× | ||
| Q2 25 | 4.34× | 0.54× | ||
| Q1 25 | 4.17× | 1.10× | ||
| Q4 24 | 3.96× | 1.48× | ||
| Q3 24 | 3.80× | 1.24× | ||
| Q2 24 | 4.76× | 0.86× | ||
| Q1 24 | 4.54× | 1.53× |
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
MOD
| Data Centers | $296.9M | 37% |
| Performance Technologies | $266.0M | 33% |
| Hvac Technologies | $107.1M | 13% |
| Air Cooled | $92.4M | 11% |
| Lb White | $25.6M | 3% |
| Climate By Design | $10.2M | 1% |
| Absolutaire | $7.0M | 1% |
