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Atlanticus Holdings Corp（ATLCP）与Reddit, Inc.（RDDT）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Reddit, Inc.的1.1倍（$734.4M vs $663.0M），Reddit, Inc.净利率更高（30.8% vs 4.7%，领先26.1%），Atlanticus Holdings Corp同比增速更快（107.8% vs 69.0%），过去两年Atlanticus Holdings Corp的营收复合增速更高（58.9% vs 53.6%）
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。
Reddit是美国知名的社交新闻聚合与论坛类社交媒体平台，注册用户可发布链接、文字帖、图片、视频等各类内容，其他用户可对内容进行点赞或点踩，内容按主题归类到用户创建的子板块中，获赞更高的内容会排在板块前列，热度足够的内容还将展示在全站首页。
ATLCP vs RDDT — 直观对比
营收规模更大
ATLCP
是对方的1.1倍
$663.0M
营收增速更快
ATLCP
高出38.8%
69.0%
净利率更高
RDDT
高出26.1%
4.7%
两年增速更快
ATLCP
近两年复合增速
53.6%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $734.4M | $663.0M |
| 净利润 | $34.6M | $204.0M |
| 毛利率 | 92.4% | 100.0% |
| 营业利润率 | 6.3% | 0.0% |
| 净利率 | 4.7% | 30.8% |
| 营收同比 | 107.8% | 69.0% |
| 净利润同比 | 11.7% | 680.0% |
| 每股收益（稀释后） | $1.75 | $1.01 |
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ATLCPRDDT
| Q1 26 | — | $663.0M | ||
| Q4 25 | $734.4M | $725.6M | ||
| Q3 25 | $494.7M | $584.9M | ||
| Q2 25 | $394.2M | $499.6M | ||
| Q1 25 | $345.2M | $392.4M | ||
| Q4 24 | $353.5M | $427.7M | ||
| Q3 24 | $351.2M | $348.4M | ||
| Q2 24 | $316.0M | $281.2M |
净利润ATLCPRDDT
| Q1 26 | — | $204.0M | ||
| Q4 25 | $34.6M | $251.6M | ||
| Q3 25 | $25.0M | $162.7M | ||
| Q2 25 | $30.6M | $89.3M | ||
| Q1 25 | $31.5M | $26.2M | ||
| Q4 24 | $31.0M | $71.0M | ||
| Q3 24 | $29.5M | $29.9M | ||
| Q2 24 | $24.3M | $-10.1M |
毛利率ATLCPRDDT
| Q1 26 | — | 100.0% | ||
| Q4 25 | 92.4% | 91.9% | ||
| Q3 25 | 92.1% | 91.0% | ||
| Q2 25 | 91.4% | 90.8% | ||
| Q1 25 | 90.7% | 90.5% | ||
| Q4 24 | 89.9% | 92.6% | ||
| Q3 24 | 92.0% | 90.1% | ||
| Q2 24 | 91.2% | 89.5% |
营业利润率ATLCPRDDT
| Q1 26 | — | 0.0% | ||
| Q4 25 | 6.3% | 31.9% | ||
| Q3 25 | 6.6% | 23.7% | ||
| Q2 25 | 10.2% | 13.6% | ||
| Q1 25 | 11.8% | 1.0% | ||
| Q4 24 | 11.3% | 12.4% | ||
| Q3 24 | 10.6% | 2.0% | ||
| Q2 24 | 9.1% | -11.0% |
净利率ATLCPRDDT
| Q1 26 | — | 30.8% | ||
| Q4 25 | 4.7% | 34.7% | ||
| Q3 25 | 5.0% | 27.8% | ||
| Q2 25 | 7.8% | 17.9% | ||
| Q1 25 | 9.1% | 6.7% | ||
| Q4 24 | 8.8% | 16.6% | ||
| Q3 24 | 8.4% | 8.6% | ||
| Q2 24 | 7.7% | -3.6% |
每股收益（稀释后）ATLCPRDDT
| Q1 26 | — | $1.01 | ||
| Q4 25 | $1.75 | $1.24 | ||
| Q3 25 | $1.21 | $0.80 | ||
| Q2 25 | $1.51 | $0.45 | ||
| Q1 25 | $1.49 | $0.13 | ||
| Q4 24 | $1.42 | $4.76 | ||
| Q3 24 | $1.27 | $0.16 | ||
| Q2 24 | $0.99 | $-0.06 |
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 | $1.4B |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $608.7M | $3.2B |
| 总资产 | $7.6B | $3.5B |
| 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ATLCPRDDT
| Q1 26 | — | $1.4B | ||
| Q4 25 | $621.1M | $953.6M | ||
| Q3 25 | $425.0M | $911.7M | ||
| Q2 25 | $329.4M | $734.1M | ||
| Q1 25 | $350.4M | $635.7M | ||
| Q4 24 | $375.4M | $562.1M | ||
| Q3 24 | $308.7M | $515.9M | ||
| Q2 24 | $350.9M | $468.0M |
股东权益ATLCPRDDT
| Q1 26 | — | $3.2B | ||
| Q4 25 | $608.7M | $2.9B | ||
| Q3 25 | $589.3M | $2.6B | ||
| Q2 25 | $563.3M | $2.4B | ||
| Q1 25 | $532.7M | $2.2B | ||
| Q4 24 | $492.9M | $2.1B | ||
| Q3 24 | $457.7M | $2.0B | ||
| Q2 24 | $433.8M | $1.9B |
总资产ATLCPRDDT
| Q1 26 | — | $3.5B | ||
| Q4 25 | $7.6B | $3.2B | ||
| Q3 25 | $7.1B | $2.9B | ||
| Q2 25 | $3.6B | $2.6B | ||
| Q1 25 | $3.3B | $2.4B | ||
| Q4 24 | $3.3B | $2.3B | ||
| Q3 24 | $3.0B | $2.2B | ||
| Q2 24 | $2.8B | $2.1B |
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 | — |
| 自由现金流经营现金流 - 资本支出 | — | $311.0M |
| 自由现金流率自由现金流/营收 | — | 46.9% |
| 资本支出强度资本支出/营收 | — | — |
| 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 | — | $868.6M |
8季度趋势，按日历期对齐
经营现金流ATLCPRDDT
| Q1 26 | — | — | ||
| Q4 25 | $266.3M | $266.8M | ||
| Q3 25 | $107.5M | $185.2M | ||
| Q2 25 | $132.7M | $111.3M | ||
| Q1 25 | $131.6M | $127.6M | ||
| Q4 24 | $122.6M | $90.0M | ||
| Q3 24 | $112.4M | $71.6M | ||
| Q2 24 | $115.6M | $28.4M |
自由现金流ATLCPRDDT
| Q1 26 | — | $311.0M | ||
| Q4 25 | — | $263.6M | ||
| Q3 25 | — | $183.1M | ||
| Q2 25 | — | $110.8M | ||
| Q1 25 | — | $126.6M | ||
| Q4 24 | — | $89.2M | ||
| Q3 24 | — | $70.3M | ||
| Q2 24 | — | $27.2M |
自由现金流率ATLCPRDDT
| Q1 26 | — | 46.9% | ||
| Q4 25 | — | 36.3% | ||
| Q3 25 | — | 31.3% | ||
| Q2 25 | — | 22.2% | ||
| Q1 25 | — | 32.3% | ||
| Q4 24 | — | 20.8% | ||
| Q3 24 | — | 20.2% | ||
| Q2 24 | — | 9.7% |
资本支出强度ATLCPRDDT
| Q1 26 | — | — | ||
| Q4 25 | — | 0.4% | ||
| Q3 25 | — | 0.4% | ||
| Q2 25 | — | 0.1% | ||
| Q1 25 | — | 0.2% | ||
| Q4 24 | — | 0.2% | ||
| Q3 24 | — | 0.4% | ||
| Q2 24 | — | 0.4% |
现金转化率ATLCPRDDT
| Q1 26 | — | — | ||
| Q4 25 | 7.69× | 1.06× | ||
| Q3 25 | 4.30× | 1.14× | ||
| Q2 25 | 4.34× | 1.25× | ||
| Q1 25 | 4.17× | 4.88× | ||
| Q4 24 | 3.96× | 1.27× | ||
| Q3 24 | 3.80× | 2.40× | ||
| Q2 24 | 4.76× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
