vs
Atlanticus Holdings Corp（ATLCP）与利氏兄弟拍卖行（RBA）财务数据对比。点击上方公司名可切换其他公司
利氏兄弟拍卖行的季度营收约是Atlanticus Holdings Corp的1.6倍（$1.2B vs $734.4M），利氏兄弟拍卖行净利率更高（9.1% vs 4.7%，领先4.4%），Atlanticus Holdings Corp同比增速更快（107.8% vs 5.4%），过去两年Atlanticus Holdings Corp的营收复合增速更高（58.9% vs 6.3%）
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。
利氏兄弟拍卖行（股票代码RBA）是全球知名的工业资产拍卖服务商，注册地位于加拿大，属公开上市企业，总部设在美国伊利诺伊州韦斯特切斯特，普通股同时在多伦多证券交易所与纽约证券交易所挂牌交易。
ATLCP vs RBA — 直观对比
营收规模更大
RBA
是对方的1.6倍
$734.4M
营收增速更快
ATLCP
高出102.3%
5.4%
净利率更高
RBA
高出4.4%
4.7%
两年增速更快
ATLCP
近两年复合增速
6.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $734.4M | $1.2B |
| 净利润 | $34.6M | $109.7M |
| 毛利率 | 92.4% | — |
| 营业利润率 | 6.3% | 14.7% |
| 净利率 | 4.7% | 9.1% |
| 营收同比 | 107.8% | 5.4% |
| 净利润同比 | 11.7% | -7.4% |
| 每股收益（稀释后） | $1.75 | $0.53 |
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ATLCPRBA
| Q4 25 | $734.4M | $1.2B | ||
| Q3 25 | $494.7M | $1.1B | ||
| Q2 25 | $394.2M | $1.2B | ||
| Q1 25 | $345.2M | $1.1B | ||
| Q4 24 | $353.5M | $1.1B | ||
| Q3 24 | $351.2M | $981.8M | ||
| Q2 24 | $316.0M | $1.1B | ||
| Q1 24 | $290.7M | $1.1B |
净利润ATLCPRBA
| Q4 25 | $34.6M | $109.7M | ||
| Q3 25 | $25.0M | $95.5M | ||
| Q2 25 | $30.6M | $109.8M | ||
| Q1 25 | $31.5M | $113.4M | ||
| Q4 24 | $31.0M | $118.5M | ||
| Q3 24 | $29.5M | $76.1M | ||
| Q2 24 | $24.3M | $111.1M | ||
| Q1 24 | $26.2M | $107.4M |
毛利率ATLCPRBA
| 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ATLCPRBA
| Q4 25 | 6.3% | 14.7% | ||
| Q3 25 | 6.6% | 14.5% | ||
| Q2 25 | 10.2% | 15.9% | ||
| Q1 25 | 11.8% | 17.1% | ||
| Q4 24 | 11.3% | 18.1% | ||
| Q3 24 | 10.6% | 15.6% | ||
| Q2 24 | 9.1% | 18.4% | ||
| Q1 24 | 11.3% | 18.7% |
净利率ATLCPRBA
| Q4 25 | 4.7% | 9.1% | ||
| Q3 25 | 5.0% | 8.7% | ||
| Q2 25 | 7.8% | 9.3% | ||
| Q1 25 | 9.1% | 10.2% | ||
| Q4 24 | 8.8% | 10.4% | ||
| Q3 24 | 8.4% | 7.8% | ||
| Q2 24 | 7.7% | 10.1% | ||
| Q1 24 | 9.0% | 10.1% |
每股收益（稀释后）ATLCPRBA
| Q4 25 | $1.75 | $0.53 | ||
| Q3 25 | $1.21 | $0.43 | ||
| Q2 25 | $1.51 | $0.53 | ||
| Q1 25 | $1.49 | $0.55 | ||
| Q4 24 | $1.42 | $0.58 | ||
| Q3 24 | $1.27 | $0.36 | ||
| Q2 24 | $0.99 | $0.54 | ||
| Q1 24 | $1.09 | $0.53 |
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 | $531.5M |
| 总债务越低越好 | — | $2.3B |
| 股东权益账面价值 | $608.7M | $5.6B |
| 总资产 | $7.6B | $12.1B |
| 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ATLCPRBA
| Q4 25 | $621.1M | $531.5M | ||
| Q3 25 | $425.0M | $674.7M | ||
| Q2 25 | $329.4M | $710.2M | ||
| Q1 25 | $350.4M | $578.1M | ||
| Q4 24 | $375.4M | $533.9M | ||
| Q3 24 | $308.7M | $650.7M | ||
| Q2 24 | $350.9M | $599.5M | ||
| Q1 24 | $444.8M | $462.8M |
总债务ATLCPRBA
| Q4 25 | — | $2.3B | ||
| Q3 25 | — | $2.6B | ||
| Q2 25 | — | $2.6B | ||
| Q1 25 | — | $2.6B | ||
| Q4 24 | — | $2.6B | ||
| Q3 24 | — | $2.7B | ||
| Q2 24 | — | $2.8B | ||
| Q1 24 | — | $2.9B |
股东权益ATLCPRBA
| Q4 25 | $608.7M | $5.6B | ||
| Q3 25 | $589.3M | $5.5B | ||
| Q2 25 | $563.3M | $5.5B | ||
| Q1 25 | $532.7M | $5.3B | ||
| Q4 24 | $492.9M | $5.2B | ||
| Q3 24 | $457.7M | $5.2B | ||
| Q2 24 | $433.8M | $5.2B | ||
| Q1 24 | $416.0M | $5.1B |
总资产ATLCPRBA
| Q4 25 | $7.6B | $12.1B | ||
| Q3 25 | $7.1B | $12.2B | ||
| Q2 25 | $3.6B | $12.2B | ||
| Q1 25 | $3.3B | $11.9B | ||
| Q4 24 | $3.3B | $11.8B | ||
| Q3 24 | $3.0B | $11.9B | ||
| Q2 24 | $2.8B | $12.1B | ||
| Q1 24 | $2.8B | $12.0B |
负债/权益比ATLCPRBA
| Q4 25 | — | 0.42× | ||
| Q3 25 | — | 0.47× | ||
| Q2 25 | — | 0.47× | ||
| Q1 25 | — | 0.50× | ||
| Q4 24 | — | 0.50× | ||
| Q3 24 | — | 0.52× | ||
| Q2 24 | — | 0.55× | ||
| Q1 24 | — | 0.58× |
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 | $255.2M |
| 自由现金流经营现金流 - 资本支出 | — | $186.5M |
| 自由现金流率自由现金流/营收 | — | 15.5% |
| 资本支出强度资本支出/营收 | — | 5.7% |
| 现金转化率经营现金流/净利润 | 7.69× | 2.33× |
| 过去12个月自由现金流最近4个季度 | — | $719.2M |
8季度趋势，按日历期对齐
经营现金流ATLCPRBA
| Q4 25 | $266.3M | $255.2M | ||
| Q3 25 | $107.5M | $239.7M | ||
| Q2 25 | $132.7M | $326.5M | ||
| Q1 25 | $131.6M | $156.8M | ||
| Q4 24 | $122.6M | $184.5M | ||
| Q3 24 | $112.4M | $285.4M | ||
| Q2 24 | $115.6M | $337.3M | ||
| Q1 24 | $118.8M | $124.8M |
自由现金流ATLCPRBA
| Q4 25 | — | $186.5M | ||
| Q3 25 | — | $188.5M | ||
| Q2 25 | — | $241.7M | ||
| Q1 25 | — | $102.5M | ||
| Q4 24 | — | $127.9M | ||
| Q3 24 | — | $248.5M | ||
| Q2 24 | — | $308.6M | ||
| Q1 24 | — | $79.6M |
自由现金流率ATLCPRBA
| Q4 25 | — | 15.5% | ||
| Q3 25 | — | 17.3% | ||
| Q2 25 | — | 20.4% | ||
| Q1 25 | — | 9.2% | ||
| Q4 24 | — | 11.2% | ||
| Q3 24 | — | 25.3% | ||
| Q2 24 | — | 28.2% | ||
| Q1 24 | — | 7.5% |
资本支出强度ATLCPRBA
| Q4 25 | — | 5.7% | ||
| Q3 25 | — | 4.7% | ||
| Q2 25 | — | 7.2% | ||
| Q1 25 | — | 4.9% | ||
| Q4 24 | — | 5.0% | ||
| Q3 24 | — | 3.8% | ||
| Q2 24 | — | 2.6% | ||
| Q1 24 | — | 4.2% |
现金转化率ATLCPRBA
| Q4 25 | 7.69× | 2.33× | ||
| Q3 25 | 4.30× | 2.51× | ||
| Q2 25 | 4.34× | 2.97× | ||
| Q1 25 | 4.17× | 1.38× | ||
| Q4 24 | 3.96× | 1.56× | ||
| Q3 24 | 3.80× | 3.75× | ||
| Q2 24 | 4.76× | 3.04× | ||
| Q1 24 | 4.54× | 1.16× |
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
RBA
| Buyer Revenue | $577.2M | 48% |
| Seller Revenue | $255.2M | 21% |
| CA | $199.0M | 17% |
| Other | $124.7M | 10% |
| AU | $47.3M | 4% |
