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Atlanticus Holdings Corp（ATLCP）与MSA Safety Inc（MSA）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MSA Safety Inc的1.4倍（$734.4M vs $510.9M），MSA Safety Inc净利率更高（17.0% vs 4.7%，领先12.3%），Atlanticus Holdings Corp同比增速更快（107.8% vs 2.2%），过去两年Atlanticus Holdings Corp的营收复合增速更高（58.9% vs 11.2%）
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。
MSA安全是美国专业安全设备生产供应商，面向建筑、军事、消防、化工、油气等存在高危作业场景的多个行业提供安全防护产品及解决方案，总部位于美国匹兹堡近郊的克兰伯里。
ATLCP vs MSA — 直观对比
营收规模更大
ATLCP
是对方的1.4倍
$510.9M
营收增速更快
ATLCP
高出105.5%
2.2%
净利率更高
MSA
高出12.3%
4.7%
两年增速更快
ATLCP
近两年复合增速
11.2%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $734.4M | $510.9M |
| 净利润 | $34.6M | $86.9M |
| 毛利率 | 92.4% | 46.9% |
| 营业利润率 | 6.3% | 22.3% |
| 净利率 | 4.7% | 17.0% |
| 营收同比 | 107.8% | 2.2% |
| 净利润同比 | 11.7% | -1.2% |
| 每股收益（稀释后） | $1.75 | $2.22 |
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ATLCPMSA
| Q4 25 | $734.4M | $510.9M | ||
| Q3 25 | $494.7M | $468.4M | ||
| Q2 25 | $394.2M | $474.1M | ||
| Q1 25 | $345.2M | $421.3M | ||
| Q4 24 | $353.5M | $499.7M | ||
| Q3 24 | $351.2M | $432.7M | ||
| Q2 24 | $316.0M | $462.5M | ||
| Q1 24 | $290.7M | $413.3M |
净利润ATLCPMSA
| Q4 25 | $34.6M | $86.9M | ||
| Q3 25 | $25.0M | $69.6M | ||
| Q2 25 | $30.6M | $62.8M | ||
| Q1 25 | $31.5M | $59.6M | ||
| Q4 24 | $31.0M | $87.9M | ||
| Q3 24 | $29.5M | $66.6M | ||
| Q2 24 | $24.3M | $72.2M | ||
| Q1 24 | $26.2M | $58.1M |
毛利率ATLCPMSA
| Q4 25 | 92.4% | 46.9% | ||
| Q3 25 | 92.1% | 46.5% | ||
| Q2 25 | 91.4% | 46.6% | ||
| Q1 25 | 90.7% | 45.9% | ||
| Q4 24 | 89.9% | 46.9% | ||
| Q3 24 | 92.0% | 47.9% | ||
| Q2 24 | 91.2% | 48.2% | ||
| Q1 24 | 90.8% | 47.3% |
营业利润率ATLCPMSA
| Q4 25 | 6.3% | 22.3% | ||
| Q3 25 | 6.6% | 20.1% | ||
| Q2 25 | 10.2% | 18.1% | ||
| Q1 25 | 11.8% | 18.5% | ||
| Q4 24 | 11.3% | 23.5% | ||
| Q3 24 | 10.6% | 21.1% | ||
| Q2 24 | 9.1% | 21.6% | ||
| Q1 24 | 11.3% | 19.4% |
净利率ATLCPMSA
| Q4 25 | 4.7% | 17.0% | ||
| Q3 25 | 5.0% | 14.9% | ||
| Q2 25 | 7.8% | 13.2% | ||
| Q1 25 | 9.1% | 14.1% | ||
| Q4 24 | 8.8% | 17.6% | ||
| Q3 24 | 8.4% | 15.4% | ||
| Q2 24 | 7.7% | 15.6% | ||
| Q1 24 | 9.0% | 14.1% |
每股收益（稀释后）ATLCPMSA
| Q4 25 | $1.75 | $2.22 | ||
| Q3 25 | $1.21 | $1.77 | ||
| Q2 25 | $1.51 | $1.59 | ||
| Q1 25 | $1.49 | $1.51 | ||
| Q4 24 | $1.42 | $2.22 | ||
| Q3 24 | $1.27 | $1.69 | ||
| Q2 24 | $0.99 | $1.83 | ||
| Q1 24 | $1.09 | $1.47 |
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 | $165.1M |
| 总债务越低越好 | — | $580.9M |
| 股东权益账面价值 | $608.7M | $1.4B |
| 总资产 | $7.6B | $2.6B |
| 负债/权益比越低杠杆越低 | — | 0.42× |
8季度趋势，按日历期对齐
现金及短期投资ATLCPMSA
| Q4 25 | $621.1M | $165.1M | ||
| Q3 25 | $425.0M | $170.0M | ||
| Q2 25 | $329.4M | $147.0M | ||
| Q1 25 | $350.4M | $170.6M | ||
| Q4 24 | $375.4M | $164.6M | ||
| Q3 24 | $308.7M | $154.4M | ||
| Q2 24 | $350.9M | $146.8M | ||
| Q1 24 | $444.8M | $148.3M |
总债务ATLCPMSA
| Q4 25 | — | $580.9M | ||
| Q3 25 | — | $628.6M | ||
| Q2 25 | — | $679.3M | ||
| Q1 25 | — | $502.1M | ||
| Q4 24 | — | $508.0M | ||
| Q3 24 | — | $554.7M | ||
| Q2 24 | — | $588.2M | ||
| Q1 24 | — | $596.2M |
股东权益ATLCPMSA
| Q4 25 | $608.7M | $1.4B | ||
| Q3 25 | $589.3M | $1.3B | ||
| Q2 25 | $563.3M | $1.3B | ||
| Q1 25 | $532.7M | $1.2B | ||
| Q4 24 | $492.9M | $1.1B | ||
| Q3 24 | $457.7M | $1.1B | ||
| Q2 24 | $433.8M | $1.0B | ||
| Q1 24 | $416.0M | $994.8M |
总资产ATLCPMSA
| Q4 25 | $7.6B | $2.6B | ||
| Q3 25 | $7.1B | $2.6B | ||
| Q2 25 | $3.6B | $2.6B | ||
| Q1 25 | $3.3B | $2.2B | ||
| Q4 24 | $3.3B | $2.2B | ||
| Q3 24 | $3.0B | $2.2B | ||
| Q2 24 | $2.8B | $2.2B | ||
| Q1 24 | $2.8B | $2.2B |
负债/权益比ATLCPMSA
| Q4 25 | — | 0.42× | ||
| Q3 25 | — | 0.48× | ||
| Q2 25 | — | 0.54× | ||
| Q1 25 | — | 0.42× | ||
| Q4 24 | — | 0.44× | ||
| Q3 24 | — | 0.51× | ||
| Q2 24 | — | 0.57× | ||
| Q1 24 | — | 0.60× |
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 | $122.4M |
| 自由现金流经营现金流 - 资本支出 | — | $106.0M |
| 自由现金流率自由现金流/营收 | — | 20.8% |
| 资本支出强度资本支出/营收 | — | 3.2% |
| 现金转化率经营现金流/净利润 | 7.69× | 1.41× |
| 过去12个月自由现金流最近4个季度 | — | $295.4M |
8季度趋势，按日历期对齐
经营现金流ATLCPMSA
| Q4 25 | $266.3M | $122.4M | ||
| Q3 25 | $107.5M | $112.5M | ||
| Q2 25 | $132.7M | $67.2M | ||
| Q1 25 | $131.6M | $61.8M | ||
| Q4 24 | $122.6M | $107.9M | ||
| Q3 24 | $112.4M | $84.3M | ||
| Q2 24 | $115.6M | $53.3M | ||
| Q1 24 | $118.8M | $50.9M |
自由现金流ATLCPMSA
| Q4 25 | — | $106.0M | ||
| Q3 25 | — | $100.5M | ||
| Q2 25 | — | $37.9M | ||
| Q1 25 | — | $51.0M | ||
| Q4 24 | — | $93.5M | ||
| Q3 24 | — | $70.1M | ||
| Q2 24 | — | $39.0M | ||
| Q1 24 | — | $39.7M |
自由现金流率ATLCPMSA
| Q4 25 | — | 20.8% | ||
| Q3 25 | — | 21.4% | ||
| Q2 25 | — | 8.0% | ||
| Q1 25 | — | 12.1% | ||
| Q4 24 | — | 18.7% | ||
| Q3 24 | — | 16.2% | ||
| Q2 24 | — | 8.4% | ||
| Q1 24 | — | 9.6% |
资本支出强度ATLCPMSA
| Q4 25 | — | 3.2% | ||
| Q3 25 | — | 2.6% | ||
| Q2 25 | — | 6.2% | ||
| Q1 25 | — | 2.6% | ||
| Q4 24 | — | 2.9% | ||
| Q3 24 | — | 3.3% | ||
| Q2 24 | — | 3.1% | ||
| Q1 24 | — | 2.7% |
现金转化率ATLCPMSA
| Q4 25 | 7.69× | 1.41× | ||
| Q3 25 | 4.30× | 1.62× | ||
| Q2 25 | 4.34× | 1.07× | ||
| Q1 25 | 4.17× | 1.04× | ||
| Q4 24 | 3.96× | 1.23× | ||
| Q3 24 | 3.80× | 1.27× | ||
| Q2 24 | 4.76× | 0.74× | ||
| Q1 24 | 4.54× | 0.88× |
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
MSA
| Americas Segment | $335.2M | 66% |
| International Segment | $175.7M | 34% |
