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Atlanticus Holdings Corp（ATLCP）与SCANSOURCE, INC.（SCSC）财务数据对比。点击上方公司名可切换其他公司
SCANSOURCE, INC.的季度营收约是Atlanticus Holdings Corp的1.0倍（$766.5M vs $734.4M），Atlanticus Holdings Corp净利率更高（4.7% vs 2.2%，领先2.6%），Atlanticus Holdings Corp同比增速更快（107.8% vs 2.5%），过去两年Atlanticus Holdings Corp的营收复合增速更高（58.9% vs 0.9%）
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。
ScanSource是全球领先的专业技术分销商，主营销售点系统、条码扫描设备、网络安全产品、云服务及通信解决方案，面向北美、拉美、欧洲的增值经销商、服务提供商及企业客户，覆盖零售、医疗、工业、公共部门等领域。
ATLCP vs SCSC — 直观对比
营收规模更大
SCSC
是对方的1.0倍
$734.4M
营收增速更快
ATLCP
高出105.2%
2.5%
净利率更高
ATLCP
高出2.6%
2.2%
两年增速更快
ATLCP
近两年复合增速
0.9%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $734.4M | $766.5M |
| 净利润 | $34.6M | $16.5M |
| 毛利率 | 92.4% | 13.4% |
| 营业利润率 | 6.3% | 2.3% |
| 净利率 | 4.7% | 2.2% |
| 营收同比 | 107.8% | 2.5% |
| 净利润同比 | 11.7% | -3.3% |
| 每股收益（稀释后） | $1.75 | $0.75 |
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ATLCPSCSC
| Q4 25 | $734.4M | $766.5M | ||
| Q3 25 | $494.7M | $739.6M | ||
| Q2 25 | $394.2M | $812.9M | ||
| Q1 25 | $345.2M | $704.8M | ||
| Q4 24 | $353.5M | $747.5M | ||
| Q3 24 | $351.2M | $775.6M | ||
| Q2 24 | $316.0M | $746.1M | ||
| Q1 24 | $290.7M | $752.6M |
净利润ATLCPSCSC
| Q4 25 | $34.6M | $16.5M | ||
| Q3 25 | $25.0M | $19.9M | ||
| Q2 25 | $30.6M | $20.1M | ||
| Q1 25 | $31.5M | $17.4M | ||
| Q4 24 | $31.0M | $17.1M | ||
| Q3 24 | $29.5M | $17.0M | ||
| Q2 24 | $24.3M | $16.1M | ||
| Q1 24 | $26.2M | $12.8M |
毛利率ATLCPSCSC
| Q4 25 | 92.4% | 13.4% | ||
| Q3 25 | 92.1% | 14.5% | ||
| Q2 25 | 91.4% | 12.9% | ||
| Q1 25 | 90.7% | 14.2% | ||
| Q4 24 | 89.9% | 13.6% | ||
| Q3 24 | 92.0% | 13.1% | ||
| Q2 24 | 91.2% | 13.0% | ||
| Q1 24 | 90.8% | 12.6% |
营业利润率ATLCPSCSC
| Q4 25 | 6.3% | 2.3% | ||
| Q3 25 | 6.6% | 3.5% | ||
| Q2 25 | 10.2% | 3.3% | ||
| Q1 25 | 11.8% | 3.2% | ||
| Q4 24 | 11.3% | 2.5% | ||
| Q3 24 | 10.6% | 2.3% | ||
| Q2 24 | 9.1% | 2.9% | ||
| Q1 24 | 11.3% | 2.3% |
净利率ATLCPSCSC
| Q4 25 | 4.7% | 2.2% | ||
| Q3 25 | 5.0% | 2.7% | ||
| Q2 25 | 7.8% | 2.5% | ||
| Q1 25 | 9.1% | 2.5% | ||
| Q4 24 | 8.8% | 2.3% | ||
| Q3 24 | 8.4% | 2.2% | ||
| Q2 24 | 7.7% | 2.2% | ||
| Q1 24 | 9.0% | 1.7% |
每股收益（稀释后）ATLCPSCSC
| Q4 25 | $1.75 | $0.75 | ||
| Q3 25 | $1.21 | $0.89 | ||
| Q2 25 | $1.51 | $0.87 | ||
| Q1 25 | $1.49 | $0.74 | ||
| Q4 24 | $1.42 | $0.70 | ||
| Q3 24 | $1.27 | $0.69 | ||
| Q2 24 | $0.99 | $0.66 | ||
| Q1 24 | $1.09 | $0.50 |
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 | $83.5M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $608.7M | $910.9M |
| 总资产 | $7.6B | $1.7B |
| 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ATLCPSCSC
| Q4 25 | $621.1M | $83.5M | ||
| Q3 25 | $425.0M | $124.9M | ||
| Q2 25 | $329.4M | $126.2M | ||
| Q1 25 | $350.4M | $146.3M | ||
| Q4 24 | $375.4M | $110.5M | ||
| Q3 24 | $308.7M | $145.0M | ||
| Q2 24 | $350.9M | $185.5M | ||
| Q1 24 | $444.8M | $159.1M |
股东权益ATLCPSCSC
| Q4 25 | $608.7M | $910.9M | ||
| Q3 25 | $589.3M | $914.0M | ||
| Q2 25 | $563.3M | $906.4M | ||
| Q1 25 | $532.7M | $901.7M | ||
| Q4 24 | $492.9M | $900.7M | ||
| Q3 24 | $457.7M | $920.9M | ||
| Q2 24 | $433.8M | $924.3M | ||
| Q1 24 | $416.0M | $944.1M |
总资产ATLCPSCSC
| Q4 25 | $7.6B | $1.7B | ||
| Q3 25 | $7.1B | $1.7B | ||
| Q2 25 | $3.6B | $1.8B | ||
| Q1 25 | $3.3B | $1.7B | ||
| Q4 24 | $3.3B | $1.7B | ||
| Q3 24 | $3.0B | $1.8B | ||
| Q2 24 | $2.8B | $1.8B | ||
| Q1 24 | $2.8B | $1.8B |
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 | $30.8M |
| 自由现金流经营现金流 - 资本支出 | — | $28.9M |
| 自由现金流率自由现金流/营收 | — | 3.8% |
| 资本支出强度资本支出/营收 | — | 0.3% |
| 现金转化率经营现金流/净利润 | 7.69× | 1.87× |
| 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ATLCPSCSC
| Q4 25 | $266.3M | $30.8M | ||
| Q3 25 | $107.5M | $23.2M | ||
| Q2 25 | $132.7M | — | ||
| Q1 25 | $131.6M | $66.1M | ||
| Q4 24 | $122.6M | $-6.2M | ||
| Q3 24 | $112.4M | $44.8M | ||
| Q2 24 | $115.6M | — | ||
| Q1 24 | $118.8M | $160.2M |
自由现金流ATLCPSCSC
| Q4 25 | — | $28.9M | ||
| Q3 25 | — | $20.8M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $64.6M | ||
| Q4 24 | — | $-8.2M | ||
| Q3 24 | — | $42.5M | ||
| Q2 24 | — | — | ||
| Q1 24 | — | $157.7M |
自由现金流率ATLCPSCSC
| Q4 25 | — | 3.8% | ||
| Q3 25 | — | 2.8% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 9.2% | ||
| Q4 24 | — | -1.1% | ||
| Q3 24 | — | 5.5% | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 21.0% |
资本支出强度ATLCPSCSC
| Q4 25 | — | 0.3% | ||
| Q3 25 | — | 0.3% | ||
| Q2 25 | — | 0.3% | ||
| Q1 25 | — | 0.2% | ||
| Q4 24 | — | 0.3% | ||
| Q3 24 | — | 0.3% | ||
| Q2 24 | — | 0.2% | ||
| Q1 24 | — | 0.3% |
现金转化率ATLCPSCSC
| Q4 25 | 7.69× | 1.87× | ||
| Q3 25 | 4.30× | 1.17× | ||
| Q2 25 | 4.34× | — | ||
| Q1 25 | 4.17× | 3.79× | ||
| Q4 24 | 3.96× | -0.36× | ||
| Q3 24 | 3.80× | 2.64× | ||
| Q2 24 | 4.76× | — | ||
| Q1 24 | 4.54× | 12.51× |
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
SCSC
| Products And Services | $723.4M | 94% |
| Intelisys Advisory | $25.0M | 3% |
| Recurring Revenue | $18.2M | 2% |
