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Atlanticus Holdings Corp（ATLCP）与RBC Bearings INC（RBC）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RBC Bearings INC的1.6倍（$734.4M vs $461.6M），RBC Bearings INC净利率更高（14.6% vs 4.7%，领先9.9%），Atlanticus Holdings Corp同比增速更快（107.8% vs 17.0%），过去两年Atlanticus Holdings Corp的营收复合增速更高（58.9% vs 5.6%）
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。
该文本实际介绍的并非RBC Bearings，而是美国多佛公司。多佛是一家工业产品综合制造商，1955年成立，总部位于伊利诺伊州当纳斯格罗夫。2021年其业务分为五大板块：工程产品、清洁能源与加注、成像与识别、泵与工艺解决方案、气候与可持续技术，是标普500成分股，在纽约证券交易所上市。
ATLCP vs RBC — 直观对比
营收规模更大
ATLCP
是对方的1.6倍
$461.6M
营收增速更快
ATLCP
高出90.7%
17.0%
净利率更高
RBC
高出9.9%
4.7%
两年增速更快
ATLCP
近两年复合增速
5.6%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $734.4M | $461.6M |
| 净利润 | $34.6M | $67.4M |
| 毛利率 | 92.4% | 44.3% |
| 营业利润率 | 6.3% | 22.3% |
| 净利率 | 4.7% | 14.6% |
| 营收同比 | 107.8% | 17.0% |
| 净利润同比 | 11.7% | 16.4% |
| 每股收益（稀释后） | $1.75 | $2.13 |
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ATLCPRBC
| Q4 25 | $734.4M | $461.6M | ||
| Q3 25 | $494.7M | $455.3M | ||
| Q2 25 | $394.2M | $436.0M | ||
| Q1 25 | $345.2M | $437.7M | ||
| Q4 24 | $353.5M | $394.4M | ||
| Q3 24 | $351.2M | $397.9M | ||
| Q2 24 | $316.0M | $406.3M | ||
| Q1 24 | $290.7M | $413.7M |
净利润ATLCPRBC
| Q4 25 | $34.6M | $67.4M | ||
| Q3 25 | $25.0M | $60.0M | ||
| Q2 25 | $30.6M | $68.5M | ||
| Q1 25 | $31.5M | $72.7M | ||
| Q4 24 | $31.0M | $57.9M | ||
| Q3 24 | $29.5M | $54.2M | ||
| Q2 24 | $24.3M | $61.4M | ||
| Q1 24 | $26.2M | — |
毛利率ATLCPRBC
| Q4 25 | 92.4% | 44.3% | ||
| Q3 25 | 92.1% | 44.1% | ||
| Q2 25 | 91.4% | 44.8% | ||
| Q1 25 | 90.7% | 44.2% | ||
| Q4 24 | 89.9% | 44.3% | ||
| Q3 24 | 92.0% | 43.7% | ||
| Q2 24 | 91.2% | 45.3% | ||
| Q1 24 | 90.8% | 43.1% |
营业利润率ATLCPRBC
| Q4 25 | 6.3% | 22.3% | ||
| Q3 25 | 6.6% | 21.5% | ||
| Q2 25 | 10.2% | 23.2% | ||
| Q1 25 | 11.8% | 23.0% | ||
| Q4 24 | 11.3% | 21.7% | ||
| Q3 24 | 10.6% | 21.6% | ||
| Q2 24 | 9.1% | 24.0% | ||
| Q1 24 | 11.3% | 22.8% |
净利率ATLCPRBC
| Q4 25 | 4.7% | 14.6% | ||
| Q3 25 | 5.0% | 13.2% | ||
| Q2 25 | 7.8% | 15.7% | ||
| Q1 25 | 9.1% | 16.6% | ||
| Q4 24 | 8.8% | 14.7% | ||
| Q3 24 | 8.4% | 13.6% | ||
| Q2 24 | 7.7% | 15.1% | ||
| Q1 24 | 9.0% | — |
每股收益（稀释后）ATLCPRBC
| Q4 25 | $1.75 | $2.13 | ||
| Q3 25 | $1.21 | $1.90 | ||
| Q2 25 | $1.51 | $2.17 | ||
| Q1 25 | $1.49 | $2.33 | ||
| Q4 24 | $1.42 | $1.82 | ||
| Q3 24 | $1.27 | $1.65 | ||
| Q2 24 | $0.99 | $1.90 | ||
| Q1 24 | $1.09 | $1.92 |
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 | $107.6M |
| 总债务越低越好 | — | $990.2M |
| 股东权益账面价值 | $608.7M | $3.3B |
| 总资产 | $7.6B | $5.1B |
| 负债/权益比越低杠杆越低 | — | 0.30× |
8季度趋势，按日历期对齐
现金及短期投资ATLCPRBC
| Q4 25 | $621.1M | $107.6M | ||
| Q3 25 | $425.0M | $91.2M | ||
| Q2 25 | $329.4M | $132.9M | ||
| Q1 25 | $350.4M | $36.8M | ||
| Q4 24 | $375.4M | — | ||
| Q3 24 | $308.7M | — | ||
| Q2 24 | $350.9M | $76.8M | ||
| Q1 24 | $444.8M | $63.5M |
总债务ATLCPRBC
| Q4 25 | — | $990.2M | ||
| Q3 25 | — | $1.1B | ||
| Q2 25 | — | $915.6M | ||
| Q1 25 | — | $920.1M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | $1.2B |
股东权益ATLCPRBC
| Q4 25 | $608.7M | $3.3B | ||
| Q3 25 | $589.3M | $3.2B | ||
| Q2 25 | $563.3M | $3.1B | ||
| Q1 25 | $532.7M | $3.0B | ||
| Q4 24 | $492.9M | $2.9B | ||
| Q3 24 | $457.7M | $2.9B | ||
| Q2 24 | $433.8M | $2.8B | ||
| Q1 24 | $416.0M | $2.8B |
总资产ATLCPRBC
| Q4 25 | $7.6B | $5.1B | ||
| Q3 25 | $7.1B | $5.1B | ||
| Q2 25 | $3.6B | $4.8B | ||
| Q1 25 | $3.3B | $4.7B | ||
| Q4 24 | $3.3B | $4.7B | ||
| Q3 24 | $3.0B | $4.7B | ||
| Q2 24 | $2.8B | $4.7B | ||
| Q1 24 | $2.8B | $4.7B |
负债/权益比ATLCPRBC
| Q4 25 | — | 0.30× | ||
| Q3 25 | — | 0.34× | ||
| Q2 25 | — | 0.29× | ||
| Q1 25 | — | 0.30× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 0.43× |
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 | $122.1M |
| 自由现金流经营现金流 - 资本支出 | — | $99.1M |
| 自由现金流率自由现金流/营收 | — | 21.5% |
| 资本支出强度资本支出/营收 | — | 5.0% |
| 现金转化率经营现金流/净利润 | 7.69× | 1.81× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流ATLCPRBC
| Q4 25 | $266.3M | $122.1M | ||
| Q3 25 | $107.5M | $88.4M | ||
| Q2 25 | $132.7M | $120.0M | ||
| Q1 25 | $131.6M | — | ||
| Q4 24 | $122.6M | $84.0M | ||
| Q3 24 | $112.4M | — | ||
| Q2 24 | $115.6M | $97.4M | ||
| Q1 24 | $118.8M | — |
自由现金流ATLCPRBC
| Q4 25 | — | $99.1M | ||
| Q3 25 | — | $71.7M | ||
| Q2 25 | — | $104.3M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $73.6M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $88.4M | ||
| Q1 24 | — | — |
自由现金流率ATLCPRBC
| Q4 25 | — | 21.5% | ||
| Q3 25 | — | 15.7% | ||
| Q2 25 | — | 23.9% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 18.7% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 21.8% | ||
| Q1 24 | — | — |
资本支出强度ATLCPRBC
| Q4 25 | — | 5.0% | ||
| Q3 25 | — | 3.7% | ||
| Q2 25 | — | 3.6% | ||
| Q1 25 | — | 3.2% | ||
| Q4 24 | — | 2.6% | ||
| Q3 24 | — | 4.1% | ||
| Q2 24 | — | 2.2% | ||
| Q1 24 | — | — |
现金转化率ATLCPRBC
| Q4 25 | 7.69× | 1.81× | ||
| Q3 25 | 4.30× | 1.47× | ||
| Q2 25 | 4.34× | 1.75× | ||
| Q1 25 | 4.17× | — | ||
| Q4 24 | 3.96× | 1.45× | ||
| Q3 24 | 3.80× | — | ||
| Q2 24 | 4.76× | 1.59× | ||
| 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
RBC
| Domestic | $413.3M | 90% |
| Foreign | $48.3M | 10% |
