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Atlanticus Holdings Corp（ATLCP）与Rivian Automotive, Inc.（RIVN）财务数据对比。点击上方公司名可切换其他公司
Rivian Automotive, Inc.的季度营收约是Atlanticus Holdings Corp的1.8倍（$1.3B vs $734.4M），Atlanticus Holdings Corp净利率更高（4.7% vs -63.1%，领先67.8%），Atlanticus Holdings Corp同比增速更快（107.8% vs -25.8%），过去两年Atlanticus Holdings Corp的营收复合增速更高（58.9% vs 3.3%）
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。
Rivian Automotive是2009年成立的美国电动汽车制造商及汽车科技企业，主打基于自研滑板平台打造的电动SUV、皮卡及EDV电动配送货车，旗下R1T皮卡于2021年末正式开启交付，还计划于2023年底前在美国和加拿大布局专属充电网络，其平台可适配新车型也可对外授权使用。
ATLCP vs RIVN — 直观对比
营收规模更大
RIVN
是对方的1.8倍
$734.4M
营收增速更快
ATLCP
高出133.6%
-25.8%
净利率更高
ATLCP
高出67.8%
-63.1%
两年增速更快
ATLCP
近两年复合增速
3.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $734.4M | $1.3B |
| 净利润 | $34.6M | $-811.0M |
| 毛利率 | 92.4% | 9.3% |
| 营业利润率 | 6.3% | -64.8% |
| 净利率 | 4.7% | -63.1% |
| 营收同比 | 107.8% | -25.8% |
| 净利润同比 | 11.7% | -9.0% |
| 每股收益（稀释后） | $1.75 | $-0.66 |
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ATLCPRIVN
| Q4 25 | $734.4M | $1.3B | ||
| Q3 25 | $494.7M | $1.6B | ||
| Q2 25 | $394.2M | $1.3B | ||
| Q1 25 | $345.2M | $1.2B | ||
| Q4 24 | $353.5M | $1.7B | ||
| Q3 24 | $351.2M | $874.0M | ||
| Q2 24 | $316.0M | $1.2B | ||
| Q1 24 | $290.7M | $1.2B |
净利润ATLCPRIVN
| Q4 25 | $34.6M | $-811.0M | ||
| Q3 25 | $25.0M | $-1.2B | ||
| Q2 25 | $30.6M | $-1.1B | ||
| Q1 25 | $31.5M | $-545.0M | ||
| Q4 24 | $31.0M | $-744.0M | ||
| Q3 24 | $29.5M | $-1.1B | ||
| Q2 24 | $24.3M | $-1.5B | ||
| Q1 24 | $26.2M | $-1.4B |
毛利率ATLCPRIVN
| Q4 25 | 92.4% | 9.3% | ||
| Q3 25 | 92.1% | 1.5% | ||
| Q2 25 | 91.4% | -15.8% | ||
| Q1 25 | 90.7% | 16.6% | ||
| Q4 24 | 89.9% | 9.8% | ||
| Q3 24 | 92.0% | -44.9% | ||
| Q2 24 | 91.2% | -38.9% | ||
| Q1 24 | 90.8% | -43.8% |
营业利润率ATLCPRIVN
| Q4 25 | 6.3% | -64.8% | ||
| Q3 25 | 6.6% | -63.1% | ||
| Q2 25 | 10.2% | -85.5% | ||
| Q1 25 | 11.8% | -52.8% | ||
| Q4 24 | 11.3% | -38.1% | ||
| Q3 24 | 10.6% | -133.8% | ||
| Q2 24 | 9.1% | -118.7% | ||
| Q1 24 | 11.3% | -123.3% |
净利率ATLCPRIVN
| Q4 25 | 4.7% | -63.1% | ||
| Q3 25 | 5.0% | -75.3% | ||
| Q2 25 | 7.8% | -85.7% | ||
| Q1 25 | 9.1% | -44.0% | ||
| Q4 24 | 8.8% | -42.9% | ||
| Q3 24 | 8.4% | -125.9% | ||
| Q2 24 | 7.7% | -125.8% | ||
| Q1 24 | 9.0% | -120.1% |
每股收益（稀释后）ATLCPRIVN
| Q4 25 | $1.75 | $-0.66 | ||
| Q3 25 | $1.21 | $-0.96 | ||
| Q2 25 | $1.51 | $-0.97 | ||
| Q1 25 | $1.49 | $-0.48 | ||
| Q4 24 | $1.42 | $-0.67 | ||
| Q3 24 | $1.27 | $-1.08 | ||
| Q2 24 | $0.99 | $-1.46 | ||
| Q1 24 | $1.09 | $-1.48 |
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 | $6.1B |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $608.7M | $4.6B |
| 总资产 | $7.6B | $14.9B |
| 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ATLCPRIVN
| Q4 25 | $621.1M | $6.1B | ||
| Q3 25 | $425.0M | $7.1B | ||
| Q2 25 | $329.4M | $7.5B | ||
| Q1 25 | $350.4M | $7.2B | ||
| Q4 24 | $375.4M | $7.7B | ||
| Q3 24 | $308.7M | $6.7B | ||
| Q2 24 | $350.9M | $7.9B | ||
| Q1 24 | $444.8M | $7.9B |
总债务ATLCPRIVN
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $5.5B | ||
| Q1 24 | — | $4.4B |
股东权益ATLCPRIVN
| Q4 25 | $608.7M | $4.6B | ||
| Q3 25 | $589.3M | $5.1B | ||
| Q2 25 | $563.3M | $6.1B | ||
| Q1 25 | $532.7M | $6.2B | ||
| Q4 24 | $492.9M | $6.6B | ||
| Q3 24 | $457.7M | $5.9B | ||
| Q2 24 | $433.8M | $6.8B | ||
| Q1 24 | $416.0M | $8.1B |
总资产ATLCPRIVN
| Q4 25 | $7.6B | $14.9B | ||
| Q3 25 | $7.1B | $15.2B | ||
| Q2 25 | $3.6B | $15.6B | ||
| Q1 25 | $3.3B | $15.5B | ||
| Q4 24 | $3.3B | $15.4B | ||
| Q3 24 | $3.0B | $14.3B | ||
| Q2 24 | $2.8B | $15.4B | ||
| Q1 24 | $2.8B | $15.7B |
负债/权益比ATLCPRIVN
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 0.81× | ||
| Q1 24 | — | 0.55× |
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 | $-681.0M |
| 自由现金流经营现金流 - 资本支出 | — | $-1.1B |
| 自由现金流率自由现金流/营收 | — | -89.0% |
| 资本支出强度资本支出/营收 | — | 36.0% |
| 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 | — | $-2.5B |
8季度趋势，按日历期对齐
经营现金流ATLCPRIVN
| Q4 25 | $266.3M | $-681.0M | ||
| Q3 25 | $107.5M | $26.0M | ||
| Q2 25 | $132.7M | $64.0M | ||
| Q1 25 | $131.6M | $-188.0M | ||
| Q4 24 | $122.6M | $1.2B | ||
| Q3 24 | $112.4M | $-876.0M | ||
| Q2 24 | $115.6M | $-754.0M | ||
| Q1 24 | $118.8M | $-1.3B |
自由现金流ATLCPRIVN
| Q4 25 | — | $-1.1B | ||
| Q3 25 | — | $-421.0M | ||
| Q2 25 | — | $-398.0M | ||
| Q1 25 | — | $-526.0M | ||
| Q4 24 | — | $856.0M | ||
| Q3 24 | — | $-1.2B | ||
| Q2 24 | — | $-1.0B | ||
| Q1 24 | — | $-1.5B |
自由现金流率ATLCPRIVN
| Q4 25 | — | -89.0% | ||
| Q3 25 | — | -27.0% | ||
| Q2 25 | — | -30.5% | ||
| Q1 25 | — | -42.4% | ||
| Q4 24 | — | 49.4% | ||
| Q3 24 | — | -131.9% | ||
| Q2 24 | — | -89.6% | ||
| Q1 24 | — | -126.5% |
资本支出强度ATLCPRIVN
| Q4 25 | — | 36.0% | ||
| Q3 25 | — | 28.7% | ||
| Q2 25 | — | 35.5% | ||
| Q1 25 | — | 27.3% | ||
| Q4 24 | — | 18.9% | ||
| Q3 24 | — | 31.7% | ||
| Q2 24 | — | 24.4% | ||
| Q1 24 | — | 21.1% |
现金转化率ATLCPRIVN
| 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
业务分部营收拆解
ATLCP
暂无分部数据
RIVN
| Automotive Segment | $839.0M | 65% |
| Software And Services Segment | $447.0M | 35% |
| Regulatory Credits | $30.0M | 2% |
