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Atlanticus Holdings Corp（ATLCP）与SLM Corp（SLM）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SLM Corp的1.3倍（$734.4M vs $560.0M）。SLM Corp净利率更高（55.0% vs 4.7%，领先50.3%）。过去两年Atlanticus Holdings Corp的营收复合增速更高（58.9% vs 22.7%）
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。
尼康旗下SLM Solutions AG总部位于德国吕贝克，是金属3D打印机领域的上市生产商，共同拥有SLM文字商标，集团股份自2014年5月9日起在法兰克福证券交易所高级市场板块挂牌交易。
ATLCP vs SLM — 直观对比
营收规模更大
ATLCP
是对方的1.3倍
$560.0M
净利率更高
SLM
高出50.3%
4.7%
两年增速更快
ATLCP
近两年复合增速
22.7%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $734.4M | $560.0M |
| 净利润 | $34.6M | $308.0M |
| 毛利率 | 92.4% | — |
| 营业利润率 | 6.3% | — |
| 净利率 | 4.7% | 55.0% |
| 营收同比 | 107.8% | — |
| 净利润同比 | 11.7% | 1.0% |
| 每股收益（稀释后） | $1.75 | $1.54 |
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ATLCPSLM
| Q1 26 | — | $560.0M | ||
| Q4 25 | $734.4M | $377.1M | ||
| Q3 25 | $494.7M | $373.0M | ||
| Q2 25 | $394.2M | $376.8M | ||
| Q1 25 | $345.2M | $375.0M | ||
| Q4 24 | $353.5M | $362.2M | ||
| Q3 24 | $351.2M | $359.4M | ||
| Q2 24 | $316.0M | $372.2M |
净利润ATLCPSLM
| Q1 26 | — | $308.0M | ||
| Q4 25 | $34.6M | $233.2M | ||
| Q3 25 | $25.0M | $135.8M | ||
| Q2 25 | $30.6M | $71.3M | ||
| Q1 25 | $31.5M | $304.5M | ||
| Q4 24 | $31.0M | $111.6M | ||
| Q3 24 | $29.5M | $-45.2M | ||
| Q2 24 | $24.3M | $252.0M |
毛利率ATLCPSLM
| Q1 26 | — | — | ||
| Q4 25 | 92.4% | — | ||
| Q3 25 | 92.1% | — | ||
| Q2 25 | 91.4% | — | ||
| Q1 25 | 90.7% | — | ||
| Q4 24 | 89.9% | — | ||
| Q3 24 | 92.0% | — | ||
| Q2 24 | 91.2% | — |
营业利润率ATLCPSLM
| Q1 26 | — | — | ||
| Q4 25 | 6.3% | 83.8% | ||
| Q3 25 | 6.6% | 49.8% | ||
| Q2 25 | 10.2% | 23.3% | ||
| Q1 25 | 11.8% | — | ||
| Q4 24 | 11.3% | 36.5% | ||
| Q3 24 | 10.6% | -16.6% | ||
| Q2 24 | 9.1% | 91.0% |
净利率ATLCPSLM
| Q1 26 | — | 55.0% | ||
| Q4 25 | 4.7% | 61.8% | ||
| Q3 25 | 5.0% | 36.4% | ||
| Q2 25 | 7.8% | 18.9% | ||
| Q1 25 | 9.1% | 81.2% | ||
| Q4 24 | 8.8% | 30.8% | ||
| Q3 24 | 8.4% | -12.6% | ||
| Q2 24 | 7.7% | 67.7% |
每股收益（稀释后）ATLCPSLM
| Q1 26 | — | $1.54 | ||
| Q4 25 | $1.75 | $1.11 | ||
| Q3 25 | $1.21 | $0.63 | ||
| Q2 25 | $1.51 | $0.32 | ||
| Q1 25 | $1.49 | $1.40 | ||
| Q4 24 | $1.42 | $0.53 | ||
| Q3 24 | $1.27 | $-0.23 | ||
| Q2 24 | $0.99 | $1.11 |
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 | $5.2B |
| 总债务越低越好 | — | $6.2B |
| 股东权益账面价值 | $608.7M | $2.4B |
| 总资产 | $7.6B | $29.4B |
| 负债/权益比越低杠杆越低 | — | 2.53× |
8季度趋势，按日历期对齐
现金及短期投资ATLCPSLM
| Q1 26 | — | $5.2B | ||
| Q4 25 | $621.1M | $4.2B | ||
| Q3 25 | $425.0M | $3.5B | ||
| Q2 25 | $329.4M | $4.1B | ||
| Q1 25 | $350.4M | $3.7B | ||
| Q4 24 | $375.4M | $4.7B | ||
| Q3 24 | $308.7M | $4.5B | ||
| Q2 24 | $350.9M | $5.3B |
总债务ATLCPSLM
| Q1 26 | — | $6.2B | ||
| Q4 25 | — | $5.4B | ||
| Q3 25 | — | $6.8B | ||
| Q2 25 | — | $6.4B | ||
| Q1 25 | — | $6.1B | ||
| Q4 24 | — | $6.4B | ||
| Q3 24 | — | $6.0B | ||
| Q2 24 | — | $5.4B |
股东权益ATLCPSLM
| Q1 26 | — | $2.4B | ||
| Q4 25 | $608.7M | $2.5B | ||
| Q3 25 | $589.3M | $2.3B | ||
| Q2 25 | $563.3M | $2.4B | ||
| Q1 25 | $532.7M | $2.4B | ||
| Q4 24 | $492.9M | $2.2B | ||
| Q3 24 | $457.7M | $2.1B | ||
| Q2 24 | $433.8M | $2.3B |
总资产ATLCPSLM
| Q1 26 | — | $29.4B | ||
| Q4 25 | $7.6B | $29.7B | ||
| Q3 25 | $7.1B | $29.6B | ||
| Q2 25 | $3.6B | $29.6B | ||
| Q1 25 | $3.3B | $28.9B | ||
| Q4 24 | $3.3B | $30.1B | ||
| Q3 24 | $3.0B | $30.0B | ||
| Q2 24 | $2.8B | $28.8B |
负债/权益比ATLCPSLM
| Q1 26 | — | 2.53× | ||
| Q4 25 | — | 2.19× | ||
| Q3 25 | — | 2.92× | ||
| Q2 25 | — | 2.70× | ||
| Q1 25 | — | 2.56× | ||
| Q4 24 | — | 2.98× | ||
| Q3 24 | — | 2.83× | ||
| Q2 24 | — | 2.37× |
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ATLCPSLM
| Q1 26 | — | — | ||
| Q4 25 | $266.3M | $-64.5M | ||
| Q3 25 | $107.5M | $-49.3M | ||
| Q2 25 | $132.7M | $-138.7M | ||
| Q1 25 | $131.6M | $-146.1M | ||
| Q4 24 | $122.6M | $4.5M | ||
| Q3 24 | $112.4M | $-113.4M | ||
| Q2 24 | $115.6M | $-143.8M |
现金转化率ATLCPSLM
| Q1 26 | — | — | ||
| Q4 25 | 7.69× | -0.28× | ||
| Q3 25 | 4.30× | -0.36× | ||
| Q2 25 | 4.34× | -1.95× | ||
| Q1 25 | 4.17× | -0.48× | ||
| Q4 24 | 3.96× | 0.04× | ||
| Q3 24 | 3.80× | — | ||
| Q2 24 | 4.76× | -0.57× |
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
SLM
| Net Interest Income | $375.0M | 67% |
| Noninterest Income | $185.0M | 33% |
