vs
Atlanticus Holdings Corp（ATLCP）与罗布乐思（RBLX）财务数据对比。点击上方公司名可切换其他公司
罗布乐思的季度营收约是Atlanticus Holdings Corp的1.9倍（$1.4B vs $734.4M），Atlanticus Holdings Corp净利率更高（4.7% vs -22.3%，领先27.0%），Atlanticus Holdings Corp同比增速更快（107.8% vs 43.2%），过去两年Atlanticus Holdings Corp的营收复合增速更高（58.9% vs 32.9%）
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。
罗布乐思（Roblox Corporation）是总部位于美国加利福尼亚州圣马特奥的游戏企业，由大卫·巴斯祖奇与埃里克·卡塞尔于2004年共同创立。公司核心产品为同名线上游戏创作平台Roblox，于2006年正式上线，截至2024年12月底全球员工规模已超2400人。
ATLCP vs RBLX — 直观对比
营收规模更大
RBLX
是对方的1.9倍
$734.4M
营收增速更快
ATLCP
高出64.6%
43.2%
净利率更高
ATLCP
高出27.0%
-22.3%
两年增速更快
ATLCP
近两年复合增速
32.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $734.4M | $1.4B |
| 净利润 | $34.6M | $-316.0M |
| 毛利率 | 92.4% | 77.7% |
| 营业利润率 | 6.3% | -25.3% |
| 净利率 | 4.7% | -22.3% |
| 营收同比 | 107.8% | 43.2% |
| 净利润同比 | 11.7% | -43.9% |
| 每股收益（稀释后） | $1.75 | $-0.44 |
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ATLCPRBLX
| Q4 25 | $734.4M | $1.4B | ||
| Q3 25 | $494.7M | $1.4B | ||
| Q2 25 | $394.2M | $1.1B | ||
| Q1 25 | $345.2M | $1.0B | ||
| Q4 24 | $353.5M | $988.2M | ||
| Q3 24 | $351.2M | $919.0M | ||
| Q2 24 | $316.0M | $893.5M | ||
| Q1 24 | $290.7M | $801.3M |
净利润ATLCPRBLX
| Q4 25 | $34.6M | $-316.0M | ||
| Q3 25 | $25.0M | $-255.6M | ||
| Q2 25 | $30.6M | $-278.4M | ||
| Q1 25 | $31.5M | $-215.1M | ||
| Q4 24 | $31.0M | $-219.6M | ||
| Q3 24 | $29.5M | $-239.3M | ||
| Q2 24 | $24.3M | $-205.9M | ||
| Q1 24 | $26.2M | $-270.6M |
毛利率ATLCPRBLX
| Q4 25 | 92.4% | 77.7% | ||
| Q3 25 | 92.1% | 78.2% | ||
| Q2 25 | 91.4% | 78.2% | ||
| Q1 25 | 90.7% | 78.3% | ||
| Q4 24 | 89.9% | 77.9% | ||
| Q3 24 | 92.0% | 77.7% | ||
| Q2 24 | 91.2% | 77.8% | ||
| Q1 24 | 90.8% | 77.7% |
营业利润率ATLCPRBLX
| Q4 25 | 6.3% | -25.3% | ||
| Q3 25 | 6.6% | -21.8% | ||
| Q2 25 | 10.2% | -29.8% | ||
| Q1 25 | 11.8% | -24.6% | ||
| Q4 24 | 11.3% | -24.7% | ||
| Q3 24 | 10.6% | -30.4% | ||
| Q2 24 | 9.1% | -26.6% | ||
| Q1 24 | 11.3% | -37.7% |
净利率ATLCPRBLX
| Q4 25 | 4.7% | -22.3% | ||
| Q3 25 | 5.0% | -18.8% | ||
| Q2 25 | 7.8% | -25.8% | ||
| Q1 25 | 9.1% | -20.8% | ||
| Q4 24 | 8.8% | -22.2% | ||
| Q3 24 | 8.4% | -26.0% | ||
| Q2 24 | 7.7% | -23.0% | ||
| Q1 24 | 9.0% | -33.8% |
每股收益（稀释后）ATLCPRBLX
| Q4 25 | $1.75 | $-0.44 | ||
| Q3 25 | $1.21 | $-0.37 | ||
| Q2 25 | $1.51 | $-0.41 | ||
| Q1 25 | $1.49 | $-0.32 | ||
| Q4 24 | $1.42 | $-0.32 | ||
| Q3 24 | $1.27 | $-0.37 | ||
| Q2 24 | $0.99 | $-0.32 | ||
| Q1 24 | $1.09 | $-0.43 |
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 | $3.1B |
| 总债务越低越好 | — | $1.2B |
| 股东权益账面价值 | $608.7M | $394.5M |
| 总资产 | $7.6B | $9.6B |
| 负债/权益比越低杠杆越低 | — | 2.98× |
8季度趋势，按日历期对齐
现金及短期投资ATLCPRBLX
| Q4 25 | $621.1M | $3.1B | ||
| Q3 25 | $425.0M | $2.9B | ||
| Q2 25 | $329.4M | $2.6B | ||
| Q1 25 | $350.4M | $2.7B | ||
| Q4 24 | $375.4M | $2.4B | ||
| Q3 24 | $308.7M | $2.3B | ||
| Q2 24 | $350.9M | $2.4B | ||
| Q1 24 | $444.8M | $2.4B |
总债务ATLCPRBLX
| Q4 25 | — | $1.2B | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $1.2B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益ATLCPRBLX
| Q4 25 | $608.7M | $394.5M | ||
| Q3 25 | $589.3M | $407.6M | ||
| Q2 25 | $563.3M | $353.2M | ||
| Q1 25 | $532.7M | $310.7M | ||
| Q4 24 | $492.9M | $221.4M | ||
| Q3 24 | $457.7M | $189.9M | ||
| Q2 24 | $433.8M | $121.5M | ||
| Q1 24 | $416.0M | $71.6M |
总资产ATLCPRBLX
| Q4 25 | $7.6B | $9.6B | ||
| Q3 25 | $7.1B | $8.6B | ||
| Q2 25 | $3.6B | $7.8B | ||
| Q1 25 | $3.3B | $7.5B | ||
| Q4 24 | $3.3B | $7.2B | ||
| Q3 24 | $3.0B | $6.7B | ||
| Q2 24 | $2.8B | $6.5B | ||
| Q1 24 | $2.8B | $6.3B |
负债/权益比ATLCPRBLX
| Q4 25 | — | 2.98× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 5.48× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $607.0M |
| 自由现金流经营现金流 - 资本支出 | — | $308.6M |
| 自由现金流率自由现金流/营收 | — | 21.8% |
| 资本支出强度资本支出/营收 | — | 21.1% |
| 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 | — | $1.4B |
8季度趋势，按日历期对齐
经营现金流ATLCPRBLX
| Q4 25 | $266.3M | $607.0M | ||
| Q3 25 | $107.5M | $546.2M | ||
| Q2 25 | $132.7M | $199.3M | ||
| Q1 25 | $131.6M | $443.9M | ||
| Q4 24 | $122.6M | $184.5M | ||
| Q3 24 | $112.4M | $247.4M | ||
| Q2 24 | $115.6M | $151.4M | ||
| Q1 24 | $118.8M | $238.9M |
自由现金流ATLCPRBLX
| Q4 25 | — | $308.6M | ||
| Q3 25 | — | $443.6M | ||
| Q2 25 | — | $176.7M | ||
| Q1 25 | — | $426.5M | ||
| Q4 24 | — | $120.6M | ||
| Q3 24 | — | $218.0M | ||
| Q2 24 | — | $111.7M | ||
| Q1 24 | — | $192.3M |
自由现金流率ATLCPRBLX
| Q4 25 | — | 21.8% | ||
| Q3 25 | — | 32.6% | ||
| Q2 25 | — | 16.3% | ||
| Q1 25 | — | 41.2% | ||
| Q4 24 | — | 12.2% | ||
| Q3 24 | — | 23.7% | ||
| Q2 24 | — | 12.5% | ||
| Q1 24 | — | 24.0% |
资本支出强度ATLCPRBLX
| Q4 25 | — | 21.1% | ||
| Q3 25 | — | 7.5% | ||
| Q2 25 | — | 2.1% | ||
| Q1 25 | — | 1.7% | ||
| Q4 24 | — | 6.5% | ||
| Q3 24 | — | 3.2% | ||
| Q2 24 | — | 4.4% | ||
| Q1 24 | — | 5.8% |
现金转化率ATLCPRBLX
| 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
