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Atlanticus Holdings Corp（ATLCP）与瑞思迈（RMD）财务数据对比。点击上方公司名可切换其他公司
瑞思迈的季度营收约是Atlanticus Holdings Corp的1.9倍（$1.4B vs $734.4M），瑞思迈净利率更高（27.6% vs 4.7%，领先22.9%），Atlanticus Holdings Corp同比增速更快（107.8% vs 11.0%），过去两年Atlanticus Holdings Corp的营收复合增速更高（58.9% vs 7.8%）
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。
瑞思迈是一家起源于澳大利亚、总部位于美国加利福尼亚州圣迭戈的医疗设备企业，主打可接入云端的呼吸类医疗设备，用于治疗睡眠呼吸暂停、慢性阻塞性肺病等呼吸道疾病，新冠疫情期间曾大量生产呼吸机等设备助力患者救治。
ATLCP vs RMD — 直观对比
营收规模更大
RMD
是对方的1.9倍
$734.4M
营收增速更快
ATLCP
高出96.8%
11.0%
净利率更高
RMD
高出22.9%
4.7%
两年增速更快
ATLCP
近两年复合增速
7.8%
损益表 — Q4 FY2025 vs Q4 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $734.4M | $1.4B |
| 净利润 | $34.6M | $392.6M |
| 毛利率 | 92.4% | 61.8% |
| 营业利润率 | 6.3% | 34.6% |
| 净利率 | 4.7% | 27.6% |
| 营收同比 | 107.8% | 11.0% |
| 净利润同比 | 11.7% | 13.9% |
| 每股收益（稀释后） | $1.75 | $2.68 |
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ATLCPRMD
| Q2 26 | — | $1.4B | ||
| Q1 26 | — | $1.4B | ||
| Q4 25 | $734.4M | $1.4B | ||
| Q3 25 | $494.7M | $1.3B | ||
| Q2 25 | $394.2M | $1.3B | ||
| Q1 25 | $345.2M | $1.3B | ||
| Q4 24 | $353.5M | $1.3B | ||
| Q3 24 | $351.2M | $1.2B |
净利润ATLCPRMD
| Q2 26 | — | $392.6M | ||
| Q1 26 | — | $398.7M | ||
| Q4 25 | $34.6M | $392.6M | ||
| Q3 25 | $25.0M | $348.5M | ||
| Q2 25 | $30.6M | $379.7M | ||
| Q1 25 | $31.5M | $365.0M | ||
| Q4 24 | $31.0M | $344.6M | ||
| Q3 24 | $29.5M | $311.4M |
毛利率ATLCPRMD
| Q2 26 | — | 61.8% | ||
| Q1 26 | — | 62.2% | ||
| Q4 25 | 92.4% | 61.8% | ||
| Q3 25 | 92.1% | 61.5% | ||
| Q2 25 | 91.4% | 60.8% | ||
| Q1 25 | 90.7% | 59.3% | ||
| Q4 24 | 89.9% | 58.6% | ||
| Q3 24 | 92.0% | 58.6% |
营业利润率ATLCPRMD
| Q2 26 | — | 34.6% | ||
| Q1 26 | — | 34.9% | ||
| Q4 25 | 6.3% | 34.6% | ||
| Q3 25 | 6.6% | 33.4% | ||
| Q2 25 | 10.2% | 33.7% | ||
| Q1 25 | 11.8% | 33.0% | ||
| Q4 24 | 11.3% | 32.5% | ||
| Q3 24 | 10.6% | 31.6% |
净利率ATLCPRMD
| Q2 26 | — | 27.6% | ||
| Q1 26 | — | 27.9% | ||
| Q4 25 | 4.7% | 27.6% | ||
| Q3 25 | 5.0% | 26.1% | ||
| Q2 25 | 7.8% | 28.2% | ||
| Q1 25 | 9.1% | 28.3% | ||
| Q4 24 | 8.8% | 26.9% | ||
| Q3 24 | 8.4% | 25.4% |
每股收益（稀释后）ATLCPRMD
| Q2 26 | — | $2.68 | ||
| Q1 26 | — | $2.74 | ||
| Q4 25 | $1.75 | $2.68 | ||
| Q3 25 | $1.21 | $2.37 | ||
| Q2 25 | $1.51 | $2.58 | ||
| Q1 25 | $1.49 | $2.48 | ||
| Q4 24 | $1.42 | $2.34 | ||
| Q3 24 | $1.27 | $2.11 |
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 | — | $663.8M |
| 股东权益账面价值 | $608.7M | $6.3B |
| 总资产 | $7.6B | $8.5B |
| 负债/权益比越低杠杆越低 | — | 0.11× |
8季度趋势，按日历期对齐
现金及短期投资ATLCPRMD
| Q2 26 | — | $1.4B | ||
| Q1 26 | — | $1.7B | ||
| Q4 25 | $621.1M | $1.4B | ||
| Q3 25 | $425.0M | $1.4B | ||
| Q2 25 | $329.4M | $1.2B | ||
| Q1 25 | $350.4M | $932.7M | ||
| Q4 24 | $375.4M | $521.9M | ||
| Q3 24 | $308.7M | $426.4M |
总债务ATLCPRMD
| Q2 26 | — | $663.8M | ||
| Q1 26 | — | $664.1M | ||
| Q4 25 | — | $403.9M | ||
| Q3 25 | — | $408.7M | ||
| Q2 25 | — | $658.4M | ||
| Q1 25 | — | $663.1M | ||
| Q4 24 | — | $662.9M | ||
| Q3 24 | — | $667.6M |
股东权益ATLCPRMD
| Q2 26 | — | $6.3B | ||
| Q1 26 | — | $6.5B | ||
| Q4 25 | $608.7M | $6.3B | ||
| Q3 25 | $589.3M | $6.1B | ||
| Q2 25 | $563.3M | $6.0B | ||
| Q1 25 | $532.7M | $5.5B | ||
| Q4 24 | $492.9M | $5.3B | ||
| Q3 24 | $457.7M | $5.2B |
总资产ATLCPRMD
| Q2 26 | — | $8.5B | ||
| Q1 26 | — | $8.8B | ||
| Q4 25 | $7.6B | $8.5B | ||
| Q3 25 | $7.1B | $8.3B | ||
| Q2 25 | $3.6B | $8.2B | ||
| Q1 25 | $3.3B | $7.6B | ||
| Q4 24 | $3.3B | $7.1B | ||
| Q3 24 | $3.0B | $7.2B |
负债/权益比ATLCPRMD
| Q2 26 | — | 0.11× | ||
| Q1 26 | — | 0.10× | ||
| Q4 25 | — | 0.06× | ||
| Q3 25 | — | 0.07× | ||
| Q2 25 | — | 0.11× | ||
| Q1 25 | — | 0.12× | ||
| Q4 24 | — | 0.13× | ||
| Q3 24 | — | 0.13× |
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 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 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 | — | — |
8季度趋势，按日历期对齐
经营现金流ATLCPRMD
| Q2 26 | — | — | ||
| Q1 26 | — | — | ||
| Q4 25 | $266.3M | $339.7M | ||
| Q3 25 | $107.5M | $457.3M | ||
| Q2 25 | $132.7M | $538.8M | ||
| Q1 25 | $131.6M | $578.7M | ||
| Q4 24 | $122.6M | $308.6M | ||
| Q3 24 | $112.4M | $325.5M |
自由现金流ATLCPRMD
| Q2 26 | — | — | ||
| Q1 26 | — | — | ||
| Q4 25 | — | $311.2M | ||
| Q3 25 | — | $414.4M | ||
| Q2 25 | — | $508.2M | ||
| Q1 25 | — | $557.9M | ||
| Q4 24 | — | $288.0M | ||
| Q3 24 | — | $307.7M |
自由现金流率ATLCPRMD
| Q2 26 | — | — | ||
| Q1 26 | — | — | ||
| Q4 25 | — | 21.9% | ||
| Q3 25 | — | 31.0% | ||
| Q2 25 | — | 37.7% | ||
| Q1 25 | — | 43.2% | ||
| Q4 24 | — | 22.5% | ||
| Q3 24 | — | 25.1% |
资本支出强度ATLCPRMD
| Q2 26 | — | — | ||
| Q1 26 | — | — | ||
| Q4 25 | — | 2.0% | ||
| Q3 25 | — | 3.2% | ||
| Q2 25 | — | 2.3% | ||
| Q1 25 | — | 1.6% | ||
| Q4 24 | — | 1.6% | ||
| Q3 24 | — | 1.5% |
现金转化率ATLCPRMD
| Q2 26 | — | — | ||
| Q1 26 | — | — | ||
| Q4 25 | 7.69× | 0.87× | ||
| Q3 25 | 4.30× | 1.31× | ||
| Q2 25 | 4.34× | 1.42× | ||
| Q1 25 | 4.17× | 1.59× | ||
| Q4 24 | 3.96× | 0.90× | ||
| Q3 24 | 3.80× | 1.05× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
