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Atlanticus Holdings Corp（ATLCP）与Cloudflare, Inc.（NET）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Cloudflare, Inc.的1.2倍（$734.4M vs $614.5M），Atlanticus Holdings Corp净利率更高（4.7% vs -2.0%，领先6.7%），Atlanticus Holdings Corp同比增速更快（107.8% vs 33.6%），过去两年Atlanticus Holdings Corp的营收复合增速更高（58.9% vs 27.4%）
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。
Cloudflare是总部位于美国加利福尼亚州旧金山的科技企业，提供内容分发网络（CDN）、云网络安全、DDoS防护等多元互联网服务，同时是ICANN认证的域名注册商。其服务作为网站访客与客户托管服务商之间的反向代理，可有效提升访问性能，抵御恶意流量。
ATLCP vs NET — 直观对比
营收规模更大
ATLCP
是对方的1.2倍
$614.5M
营收增速更快
ATLCP
高出74.2%
33.6%
净利率更高
ATLCP
高出6.7%
-2.0%
两年增速更快
ATLCP
近两年复合增速
27.4%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $734.4M | $614.5M |
| 净利润 | $34.6M | $-12.1M |
| 毛利率 | 92.4% | 73.6% |
| 营业利润率 | 6.3% | -8.0% |
| 净利率 | 4.7% | -2.0% |
| 营收同比 | 107.8% | 33.6% |
| 净利润同比 | 11.7% | 6.0% |
| 每股收益（稀释后） | $1.75 | $-0.03 |
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ATLCPNET
| Q4 25 | $734.4M | $614.5M | ||
| Q3 25 | $494.7M | $562.0M | ||
| Q2 25 | $394.2M | $512.3M | ||
| Q1 25 | $345.2M | $479.1M | ||
| Q4 24 | $353.5M | $459.9M | ||
| Q3 24 | $351.2M | $430.1M | ||
| Q2 24 | $316.0M | $401.0M | ||
| Q1 24 | $290.7M | $378.6M |
净利润ATLCPNET
| Q4 25 | $34.6M | $-12.1M | ||
| Q3 25 | $25.0M | $-1.3M | ||
| Q2 25 | $30.6M | $-50.4M | ||
| Q1 25 | $31.5M | $-38.5M | ||
| Q4 24 | $31.0M | $-12.8M | ||
| Q3 24 | $29.5M | $-15.3M | ||
| Q2 24 | $24.3M | $-15.1M | ||
| Q1 24 | $26.2M | $-35.5M |
毛利率ATLCPNET
| Q4 25 | 92.4% | 73.6% | ||
| Q3 25 | 92.1% | 74.0% | ||
| Q2 25 | 91.4% | 74.9% | ||
| Q1 25 | 90.7% | 75.9% | ||
| Q4 24 | 89.9% | 76.4% | ||
| Q3 24 | 92.0% | 77.7% | ||
| Q2 24 | 91.2% | 77.8% | ||
| Q1 24 | 90.8% | 77.5% |
营业利润率ATLCPNET
| Q4 25 | 6.3% | -8.0% | ||
| Q3 25 | 6.6% | -6.7% | ||
| Q2 25 | 10.2% | -13.1% | ||
| Q1 25 | 11.8% | -11.1% | ||
| Q4 24 | 11.3% | -7.5% | ||
| Q3 24 | 10.6% | -7.2% | ||
| Q2 24 | 9.1% | -8.7% | ||
| Q1 24 | 11.3% | -14.4% |
净利率ATLCPNET
| Q4 25 | 4.7% | -2.0% | ||
| Q3 25 | 5.0% | -0.2% | ||
| Q2 25 | 7.8% | -9.8% | ||
| Q1 25 | 9.1% | -8.0% | ||
| Q4 24 | 8.8% | -2.8% | ||
| Q3 24 | 8.4% | -3.6% | ||
| Q2 24 | 7.7% | -3.8% | ||
| Q1 24 | 9.0% | -9.4% |
每股收益（稀释后）ATLCPNET
| Q4 25 | $1.75 | $-0.03 | ||
| Q3 25 | $1.21 | $0.00 | ||
| Q2 25 | $1.51 | $-0.15 | ||
| Q1 25 | $1.49 | $-0.11 | ||
| Q4 24 | $1.42 | $-0.05 | ||
| Q3 24 | $1.27 | $-0.04 | ||
| Q2 24 | $0.99 | $-0.04 | ||
| Q1 24 | $1.09 | $-0.10 |
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 | $943.5M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $608.7M | $1.5B |
| 总资产 | $7.6B | $6.0B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资ATLCPNET
| Q4 25 | $621.1M | $943.5M | ||
| Q3 25 | $425.0M | $1.1B | ||
| Q2 25 | $329.4M | $1.5B | ||
| Q1 25 | $350.4M | $204.5M | ||
| Q4 24 | $375.4M | $147.7M | ||
| Q3 24 | $308.7M | $182.9M | ||
| Q2 24 | $350.9M | $157.0M | ||
| Q1 24 | $444.8M | $254.4M |
股东权益ATLCPNET
| Q4 25 | $608.7M | $1.5B | ||
| Q3 25 | $589.3M | $1.3B | ||
| Q2 25 | $563.3M | $1.2B | ||
| Q1 25 | $532.7M | $1.4B | ||
| Q4 24 | $492.9M | $1.0B | ||
| Q3 24 | $457.7M | $973.1M | ||
| Q2 24 | $433.8M | $881.5M | ||
| Q1 24 | $416.0M | $797.2M |
总资产ATLCPNET
| Q4 25 | $7.6B | $6.0B | ||
| Q3 25 | $7.1B | $5.8B | ||
| Q2 25 | $3.6B | $5.6B | ||
| Q1 25 | $3.3B | $3.7B | ||
| Q4 24 | $3.3B | $3.3B | ||
| Q3 24 | $3.0B | $3.1B | ||
| Q2 24 | $2.8B | $2.9B | ||
| Q1 24 | $2.8B | $2.8B |
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 | $190.4M |
| 自由现金流经营现金流 - 资本支出 | — | $105.2M |
| 自由现金流率自由现金流/营收 | — | 17.1% |
| 资本支出强度资本支出/营收 | — | 13.9% |
| 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 | — | $287.5M |
8季度趋势，按日历期对齐
经营现金流ATLCPNET
| Q4 25 | $266.3M | $190.4M | ||
| Q3 25 | $107.5M | $167.1M | ||
| Q2 25 | $132.7M | $99.8M | ||
| Q1 25 | $131.6M | $145.8M | ||
| Q4 24 | $122.6M | $127.3M | ||
| Q3 24 | $112.4M | $104.7M | ||
| Q2 24 | $115.6M | $74.8M | ||
| Q1 24 | $118.8M | $73.6M |
自由现金流ATLCPNET
| Q4 25 | — | $105.2M | ||
| Q3 25 | — | $82.5M | ||
| Q2 25 | — | $39.9M | ||
| Q1 25 | — | $59.9M | ||
| Q4 24 | — | $54.2M | ||
| Q3 24 | — | $54.5M | ||
| Q2 24 | — | $45.2M | ||
| Q1 24 | — | $41.5M |
自由现金流率ATLCPNET
| Q4 25 | — | 17.1% | ||
| Q3 25 | — | 14.7% | ||
| Q2 25 | — | 7.8% | ||
| Q1 25 | — | 12.5% | ||
| Q4 24 | — | 11.8% | ||
| Q3 24 | — | 12.7% | ||
| Q2 24 | — | 11.3% | ||
| Q1 24 | — | 11.0% |
资本支出强度ATLCPNET
| Q4 25 | — | 13.9% | ||
| Q3 25 | — | 15.1% | ||
| Q2 25 | — | 11.7% | ||
| Q1 25 | — | 17.9% | ||
| Q4 24 | — | 15.9% | ||
| Q3 24 | — | 11.7% | ||
| Q2 24 | — | 7.4% | ||
| Q1 24 | — | 8.5% |
现金转化率ATLCPNET
| Q4 25 | 7.69× | — | ||
| Q3 25 | 4.30× | — | ||
| Q2 25 | 4.34× | — | ||
| Q1 25 | 4.17× | — | ||
| 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
业务分部营收拆解
ATLCP
暂无分部数据
NET
| Sales Channel Directly To Consumer | $438.5M | 71% |
| Sales Channel Through Intermediary | $176.0M | 29% |
