vs
Atlanticus Holdings Corp（ATLCP）与Pinnacle West Capital（PNW）财务数据对比。点击上方公司名可切换其他公司
Pinnacle West Capital的季度营收约是Atlanticus Holdings Corp的1.5倍（$1.1B vs $734.4M），Atlanticus Holdings Corp净利率更高（4.7% vs 1.6%，领先3.2%），Atlanticus Holdings Corp同比增速更快（107.8% vs 3.0%），过去两年Atlanticus Holdings Corp的营收复合增速更高（58.9% vs 8.9%）
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。
Pinnacle West Capital是美国公用事业控股企业，旗下拥有亚利桑那州规模最大的公用事业公司亚利桑那公共服务（APS）。公司于纽约证券交易所上市，是标普500指数成分股，运营受亚利桑那州公司委员会监管。
ATLCP vs PNW — 直观对比
营收规模更大
PNW
是对方的1.5倍
$734.4M
营收增速更快
ATLCP
高出104.8%
3.0%
净利率更高
ATLCP
高出3.2%
1.6%
两年增速更快
ATLCP
近两年复合增速
8.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $734.4M | $1.1B |
| 净利润 | $34.6M | $17.6M |
| 毛利率 | 92.4% | — |
| 营业利润率 | 6.3% | 10.7% |
| 净利率 | 4.7% | 1.6% |
| 营收同比 | 107.8% | 3.0% |
| 净利润同比 | 11.7% | 798.0% |
| 每股收益（稀释后） | $1.75 | $0.12 |
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ATLCPPNW
| Q4 25 | $734.4M | $1.1B | ||
| Q3 25 | $494.7M | $1.8B | ||
| Q2 25 | $394.2M | $1.4B | ||
| Q1 25 | $345.2M | $1.0B | ||
| Q4 24 | $353.5M | $1.1B | ||
| Q3 24 | $351.2M | $1.8B | ||
| Q2 24 | $316.0M | $1.3B | ||
| Q1 24 | $290.7M | $951.7M |
净利润ATLCPPNW
| Q4 25 | $34.6M | $17.6M | ||
| Q3 25 | $25.0M | $417.5M | ||
| Q2 25 | $30.6M | $196.9M | ||
| Q1 25 | $31.5M | $-338.0K | ||
| Q4 24 | $31.0M | $-2.5M | ||
| Q3 24 | $29.5M | $399.3M | ||
| Q2 24 | $24.3M | $208.1M | ||
| Q1 24 | $26.2M | $21.2M |
毛利率ATLCPPNW
| 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ATLCPPNW
| Q4 25 | 6.3% | 10.7% | ||
| Q3 25 | 6.6% | 32.0% | ||
| Q2 25 | 10.2% | 22.6% | ||
| Q1 25 | 11.8% | 5.5% | ||
| Q4 24 | 11.3% | 7.7% | ||
| Q3 24 | 10.6% | 30.9% | ||
| Q2 24 | 9.1% | 24.0% | ||
| Q1 24 | 11.3% | 7.0% |
净利率ATLCPPNW
| Q4 25 | 4.7% | 1.6% | ||
| Q3 25 | 5.0% | 22.9% | ||
| Q2 25 | 7.8% | 14.5% | ||
| Q1 25 | 9.1% | -0.0% | ||
| Q4 24 | 8.8% | -0.2% | ||
| Q3 24 | 8.4% | 22.6% | ||
| Q2 24 | 7.7% | 15.9% | ||
| Q1 24 | 9.0% | 2.2% |
每股收益（稀释后）ATLCPPNW
| Q4 25 | $1.75 | $0.12 | ||
| Q3 25 | $1.21 | $3.39 | ||
| Q2 25 | $1.51 | $1.58 | ||
| Q1 25 | $1.49 | $-0.04 | ||
| Q4 24 | $1.42 | $-0.04 | ||
| Q3 24 | $1.27 | $3.37 | ||
| Q2 24 | $0.99 | $1.76 | ||
| Q1 24 | $1.09 | $0.15 |
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 | $6.6M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $608.7M | $7.0B |
| 总资产 | $7.6B | $30.0B |
| 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ATLCPPNW
| Q4 25 | $621.1M | $6.6M | ||
| Q3 25 | $425.0M | $30.9M | ||
| Q2 25 | $329.4M | $18.8M | ||
| Q1 25 | $350.4M | $10.0M | ||
| Q4 24 | $375.4M | $3.8M | ||
| Q3 24 | $308.7M | $49.2M | ||
| Q2 24 | $350.9M | $4.0M | ||
| Q1 24 | $444.8M | $9.6M |
股东权益ATLCPPNW
| Q4 25 | $608.7M | $7.0B | ||
| Q3 25 | $589.3M | $7.2B | ||
| Q2 25 | $563.3M | $6.7B | ||
| Q1 25 | $532.7M | $6.7B | ||
| Q4 24 | $492.9M | $6.8B | ||
| Q3 24 | $457.7M | $6.6B | ||
| Q2 24 | $433.8M | $6.2B | ||
| Q1 24 | $416.0M | $6.2B |
总资产ATLCPPNW
| Q4 25 | $7.6B | $30.0B | ||
| Q3 25 | $7.1B | $29.9B | ||
| Q2 25 | $3.6B | $29.2B | ||
| Q1 25 | $3.3B | $27.2B | ||
| Q4 24 | $3.3B | $26.1B | ||
| Q3 24 | $3.0B | $26.3B | ||
| Q2 24 | $2.8B | $25.7B | ||
| Q1 24 | $2.8B | $24.8B |
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 | $476.8M |
| 自由现金流经营现金流 - 资本支出 | — | $-192.7M |
| 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 | — | 59.3% |
| 现金转化率经营现金流/净利润 | 7.69× | 27.09× |
| 过去12个月自由现金流最近4个季度 | — | $-819.5M |
8季度趋势，按日历期对齐
经营现金流ATLCPPNW
| Q4 25 | $266.3M | $476.8M | ||
| Q3 25 | $107.5M | $665.0M | ||
| Q2 25 | $132.7M | $261.4M | ||
| Q1 25 | $131.6M | $401.9M | ||
| Q4 24 | $122.6M | $439.5M | ||
| Q3 24 | $112.4M | $633.2M | ||
| Q2 24 | $115.6M | $189.8M | ||
| Q1 24 | $118.8M | $347.4M |
自由现金流ATLCPPNW
| Q4 25 | — | $-192.7M | ||
| Q3 25 | — | $42.0M | ||
| Q2 25 | — | $-448.1M | ||
| Q1 25 | — | $-220.7M | ||
| Q4 24 | — | $-92.1M | ||
| Q3 24 | — | $-32.7M | ||
| Q2 24 | — | $-344.2M | ||
| Q1 24 | — | $-170.4M |
自由现金流率ATLCPPNW
| Q4 25 | — | -17.1% | ||
| Q3 25 | — | 2.3% | ||
| Q2 25 | — | -33.0% | ||
| Q1 25 | — | -21.4% | ||
| Q4 24 | — | -8.4% | ||
| Q3 24 | — | -1.8% | ||
| Q2 24 | — | -26.3% | ||
| Q1 24 | — | -17.9% |
资本支出强度ATLCPPNW
| Q4 25 | — | 59.3% | ||
| Q3 25 | — | 34.2% | ||
| Q2 25 | — | 52.2% | ||
| Q1 25 | — | 60.3% | ||
| Q4 24 | — | 48.5% | ||
| Q3 24 | — | 37.6% | ||
| Q2 24 | — | 40.8% | ||
| Q1 24 | — | 54.4% |
现金转化率ATLCPPNW
| Q4 25 | 7.69× | 27.09× | ||
| Q3 25 | 4.30× | 1.59× | ||
| Q2 25 | 4.34× | 1.33× | ||
| Q1 25 | 4.17× | — | ||
| Q4 24 | 3.96× | — | ||
| Q3 24 | 3.80× | 1.59× | ||
| Q2 24 | 4.76× | 0.91× | ||
| Q1 24 | 4.54× | 16.41× |
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
PNW
| Electricand Transmission Service | $1.1B | 100% |
| Other Services | $4.4M | 0% |
