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Atlanticus Holdings Corp（ATLCP）与罗致恒富（RHI）财务数据对比。点击上方公司名可切换其他公司
罗致恒富的季度营收约是Atlanticus Holdings Corp的1.8倍（$1.3B vs $734.4M），Atlanticus Holdings Corp同比增速更快（107.8% vs -5.8%），过去两年Atlanticus Holdings Corp的营收复合增速更高（58.9% vs -6.1%）
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。
罗致恒富是1948年成立的国际人力资源咨询机构，总部位于加利福尼亚州门洛帕克和圣拉蒙，是全球规模领先的会计与金融领域人才派遣服务商之一，在全球范围内设有超过345个办公点。
ATLCP vs RHI — 直观对比
营收规模更大
RHI
是对方的1.8倍
$734.4M
营收增速更快
ATLCP
高出113.5%
-5.8%
两年增速更快
ATLCP
近两年复合增速
-6.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $734.4M | $1.3B |
| 净利润 | $34.6M | — |
| 毛利率 | 92.4% | 37.6% |
| 营业利润率 | 6.3% | 1.7% |
| 净利率 | 4.7% | — |
| 营收同比 | 107.8% | -5.8% |
| 净利润同比 | 11.7% | — |
| 每股收益（稀释后） | $1.75 | $0.32 |
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ATLCPRHI
| Q4 25 | $734.4M | $1.3B | ||
| Q3 25 | $494.7M | $1.4B | ||
| Q2 25 | $394.2M | $1.4B | ||
| Q1 25 | $345.2M | $1.4B | ||
| Q4 24 | $353.5M | $1.4B | ||
| Q3 24 | $351.2M | $1.5B | ||
| Q2 24 | $316.0M | $1.5B | ||
| Q1 24 | $290.7M | $1.5B |
净利润ATLCPRHI
| Q4 25 | $34.6M | — | ||
| Q3 25 | $25.0M | $42.9M | ||
| Q2 25 | $30.6M | $41.0M | ||
| Q1 25 | $31.5M | $17.4M | ||
| Q4 24 | $31.0M | — | ||
| Q3 24 | $29.5M | $65.5M | ||
| Q2 24 | $24.3M | $68.2M | ||
| Q1 24 | $26.2M | $63.7M |
毛利率ATLCPRHI
| Q4 25 | 92.4% | 37.6% | ||
| Q3 25 | 92.1% | 37.2% | ||
| Q2 25 | 91.4% | 37.2% | ||
| Q1 25 | 90.7% | 36.9% | ||
| Q4 24 | 89.9% | 38.8% | ||
| Q3 24 | 92.0% | 39.0% | ||
| Q2 24 | 91.2% | 39.2% | ||
| Q1 24 | 90.8% | 38.1% |
营业利润率ATLCPRHI
| Q4 25 | 6.3% | 1.7% | ||
| Q3 25 | 6.6% | 1.0% | ||
| Q2 25 | 10.2% | 0.1% | ||
| Q1 25 | 11.8% | 2.9% | ||
| Q4 24 | 11.3% | 4.7% | ||
| Q3 24 | 10.6% | 4.1% | ||
| Q2 24 | 9.1% | 5.1% | ||
| Q1 24 | 11.3% | 2.8% |
净利率ATLCPRHI
| Q4 25 | 4.7% | — | ||
| Q3 25 | 5.0% | 3.2% | ||
| Q2 25 | 7.8% | 3.0% | ||
| Q1 25 | 9.1% | 1.3% | ||
| Q4 24 | 8.8% | — | ||
| Q3 24 | 8.4% | 4.5% | ||
| Q2 24 | 7.7% | 4.6% | ||
| Q1 24 | 9.0% | 4.3% |
每股收益（稀释后）ATLCPRHI
| Q4 25 | $1.75 | $0.32 | ||
| Q3 25 | $1.21 | $0.43 | ||
| Q2 25 | $1.51 | $0.41 | ||
| Q1 25 | $1.49 | $0.17 | ||
| Q4 24 | $1.42 | $0.53 | ||
| Q3 24 | $1.27 | $0.64 | ||
| Q2 24 | $0.99 | $0.66 | ||
| Q1 24 | $1.09 | $0.61 |
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 | $464.4M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $608.7M | $1.3B |
| 总资产 | $7.6B | $2.9B |
| 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ATLCPRHI
| Q4 25 | $621.1M | $464.4M | ||
| Q3 25 | $425.0M | $365.3M | ||
| Q2 25 | $329.4M | $380.5M | ||
| Q1 25 | $350.4M | $342.5M | ||
| Q4 24 | $375.4M | $537.6M | ||
| Q3 24 | $308.7M | $570.5M | ||
| Q2 24 | $350.9M | $547.4M | ||
| Q1 24 | $444.8M | $540.9M |
股东权益ATLCPRHI
| Q4 25 | $608.7M | $1.3B | ||
| Q3 25 | $589.3M | $1.3B | ||
| Q2 25 | $563.3M | $1.3B | ||
| Q1 25 | $532.7M | $1.3B | ||
| Q4 24 | $492.9M | $1.4B | ||
| Q3 24 | $457.7M | $1.5B | ||
| Q2 24 | $433.8M | $1.5B | ||
| Q1 24 | $416.0M | $1.5B |
总资产ATLCPRHI
| Q4 25 | $7.6B | $2.9B | ||
| Q3 25 | $7.1B | $2.8B | ||
| Q2 25 | $3.6B | $2.8B | ||
| Q1 25 | $3.3B | $2.7B | ||
| Q4 24 | $3.3B | $2.9B | ||
| Q3 24 | $3.0B | $3.0B | ||
| Q2 24 | $2.8B | $2.9B | ||
| Q1 24 | $2.8B | $2.9B |
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 | $182.5M |
| 自由现金流经营现金流 - 资本支出 | — | $170.8M |
| 自由现金流率自由现金流/营收 | — | 13.1% |
| 资本支出强度资本支出/营收 | — | 0.9% |
| 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 | — | $266.8M |
8季度趋势，按日历期对齐
经营现金流ATLCPRHI
| Q4 25 | $266.3M | $182.5M | ||
| Q3 25 | $107.5M | $77.4M | ||
| Q2 25 | $132.7M | $119.4M | ||
| Q1 25 | $131.6M | $-59.3M | ||
| Q4 24 | $122.6M | $154.8M | ||
| Q3 24 | $112.4M | $129.6M | ||
| Q2 24 | $115.6M | $142.0M | ||
| Q1 24 | $118.8M | $-15.9M |
自由现金流ATLCPRHI
| Q4 25 | — | $170.8M | ||
| Q3 25 | — | $63.6M | ||
| Q2 25 | — | $104.2M | ||
| Q1 25 | — | $-71.7M | ||
| Q4 24 | — | $140.5M | ||
| Q3 24 | — | $111.8M | ||
| Q2 24 | — | $129.6M | ||
| Q1 24 | — | $-27.7M |
自由现金流率ATLCPRHI
| Q4 25 | — | 13.1% | ||
| Q3 25 | — | 4.7% | ||
| Q2 25 | — | 7.6% | ||
| Q1 25 | — | -5.3% | ||
| Q4 24 | — | 10.2% | ||
| Q3 24 | — | 7.6% | ||
| Q2 24 | — | 8.8% | ||
| Q1 24 | — | -1.9% |
资本支出强度ATLCPRHI
| Q4 25 | — | 0.9% | ||
| Q3 25 | — | 1.0% | ||
| Q2 25 | — | 1.1% | ||
| Q1 25 | — | 0.9% | ||
| Q4 24 | — | 1.0% | ||
| Q3 24 | — | 1.2% | ||
| Q2 24 | — | 0.8% | ||
| Q1 24 | — | 0.8% |
现金转化率ATLCPRHI
| Q4 25 | 7.69× | — | ||
| Q3 25 | 4.30× | 1.80× | ||
| Q2 25 | 4.34× | 2.91× | ||
| Q1 25 | 4.17× | -3.42× | ||
| Q4 24 | 3.96× | — | ||
| Q3 24 | 3.80× | 1.98× | ||
| Q2 24 | 4.76× | 2.08× | ||
| Q1 24 | 4.54× | -0.25× |
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
RHI
| Finance And Accounting | $535.2M | 41% |
| Protiviti | $479.0M | 37% |
| Technology | $156.4M | 12% |
| Permanent Placement Talent Solutions | $102.6M | 8% |
| Other | $29.2M | 2% |
