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Atlanticus Holdings Corp（ATLCP）与Snowflake Inc.（SNOW）财务数据对比。点击上方公司名可切换其他公司
Snowflake Inc.的季度营收约是Atlanticus Holdings Corp的1.7倍（$1.2B vs $734.4M），Atlanticus Holdings Corp净利率更高（4.7% vs -24.2%，领先28.9%），Atlanticus Holdings Corp同比增速更快（107.8% vs 28.7%），过去两年Atlanticus Holdings Corp的营收复合增速更高（58.9% vs 25.1%）
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。
Snowflake Inc.是美国云数据平台服务商，创立于加利福尼亚州圣马特奥，总部位于蒙大拿州博兹曼。旗下平台支持数据分析功能，可实现数据集的低延迟并发访问，服务运行在亚马逊云科技、微软Azure、谷歌云三大公有云平台上。
ATLCP vs SNOW — 直观对比
营收规模更大
SNOW
是对方的1.7倍
$734.4M
营收增速更快
ATLCP
高出79.0%
28.7%
净利率更高
ATLCP
高出28.9%
-24.2%
两年增速更快
ATLCP
近两年复合增速
25.1%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $734.4M | $1.2B |
| 净利润 | $34.6M | $-294.0M |
| 毛利率 | 92.4% | 67.8% |
| 营业利润率 | 6.3% | -27.2% |
| 净利率 | 4.7% | -24.2% |
| 营收同比 | 107.8% | 28.7% |
| 净利润同比 | 11.7% | 9.4% |
| 每股收益（稀释后） | $1.75 | $-0.87 |
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ATLCPSNOW
| Q4 25 | $734.4M | $1.2B | ||
| Q3 25 | $494.7M | $1.1B | ||
| Q2 25 | $394.2M | $1.0B | ||
| Q1 25 | $345.2M | $986.8M | ||
| Q4 24 | $353.5M | $942.1M | ||
| Q3 24 | $351.2M | $868.8M | ||
| Q2 24 | $316.0M | $828.7M | ||
| Q1 24 | $290.7M | $774.7M |
净利润ATLCPSNOW
| Q4 25 | $34.6M | $-294.0M | ||
| Q3 25 | $25.0M | $-298.0M | ||
| Q2 25 | $30.6M | $-430.1M | ||
| Q1 25 | $31.5M | $-327.5M | ||
| Q4 24 | $31.0M | $-324.3M | ||
| Q3 24 | $29.5M | $-316.9M | ||
| Q2 24 | $24.3M | $-317.0M | ||
| Q1 24 | $26.2M | $-169.4M |
毛利率ATLCPSNOW
| Q4 25 | 92.4% | 67.8% | ||
| Q3 25 | 92.1% | 67.5% | ||
| Q2 25 | 91.4% | 66.5% | ||
| Q1 25 | 90.7% | 66.2% | ||
| Q4 24 | 89.9% | 65.9% | ||
| Q3 24 | 92.0% | 66.8% | ||
| Q2 24 | 91.2% | 67.1% | ||
| Q1 24 | 90.8% | 68.8% |
营业利润率ATLCPSNOW
| Q4 25 | 6.3% | -27.2% | ||
| Q3 25 | 6.6% | -29.7% | ||
| Q2 25 | 10.2% | -42.9% | ||
| Q1 25 | 11.8% | -39.2% | ||
| Q4 24 | 11.3% | -38.8% | ||
| Q3 24 | 10.6% | -40.9% | ||
| Q2 24 | 9.1% | -42.1% | ||
| Q1 24 | 11.3% | -35.6% |
净利率ATLCPSNOW
| Q4 25 | 4.7% | -24.2% | ||
| Q3 25 | 5.0% | -26.0% | ||
| Q2 25 | 7.8% | -41.3% | ||
| Q1 25 | 9.1% | -33.2% | ||
| Q4 24 | 8.8% | -34.4% | ||
| Q3 24 | 8.4% | -36.5% | ||
| Q2 24 | 7.7% | -38.3% | ||
| Q1 24 | 9.0% | -21.9% |
每股收益（稀释后）ATLCPSNOW
| Q4 25 | $1.75 | $-0.87 | ||
| Q3 25 | $1.21 | $-0.89 | ||
| Q2 25 | $1.51 | $-1.29 | ||
| Q1 25 | $1.49 | $-0.98 | ||
| Q4 24 | $1.42 | $-0.98 | ||
| Q3 24 | $1.27 | $-0.95 | ||
| Q2 24 | $0.99 | $-0.95 | ||
| Q1 24 | $1.09 | $-0.51 |
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 | $1.9B |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $608.7M | $2.1B |
| 总资产 | $7.6B | $8.2B |
| 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ATLCPSNOW
| Q4 25 | $621.1M | $1.9B | ||
| Q3 25 | $425.0M | $1.9B | ||
| Q2 25 | $329.4M | $2.2B | ||
| Q1 25 | $350.4M | $2.6B | ||
| Q4 24 | $375.4M | $2.1B | ||
| Q3 24 | $308.7M | $1.3B | ||
| Q2 24 | $350.9M | $1.3B | ||
| Q1 24 | $444.8M | $1.8B |
股东权益ATLCPSNOW
| Q4 25 | $608.7M | $2.1B | ||
| Q3 25 | $589.3M | $2.4B | ||
| Q2 25 | $563.3M | $2.4B | ||
| Q1 25 | $532.7M | $3.0B | ||
| Q4 24 | $492.9M | $2.9B | ||
| Q3 24 | $457.7M | $4.1B | ||
| Q2 24 | $433.8M | $4.6B | ||
| Q1 24 | $416.0M | $5.2B |
总资产ATLCPSNOW
| Q4 25 | $7.6B | $8.2B | ||
| Q3 25 | $7.1B | $8.2B | ||
| Q2 25 | $3.6B | $8.2B | ||
| Q1 25 | $3.3B | $9.0B | ||
| Q4 24 | $3.3B | $8.2B | ||
| Q3 24 | $3.0B | $6.9B | ||
| Q2 24 | $2.8B | $7.3B | ||
| Q1 24 | $2.8B | $8.2B |
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 | $137.5M |
| 自由现金流经营现金流 - 资本支出 | — | $113.6M |
| 自由现金流率自由现金流/营收 | — | 9.4% |
| 资本支出强度资本支出/营收 | — | 2.0% |
| 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 | — | $776.7M |
8季度趋势，按日历期对齐
经营现金流ATLCPSNOW
| Q4 25 | $266.3M | $137.5M | ||
| Q3 25 | $107.5M | $74.9M | ||
| Q2 25 | $132.7M | $228.4M | ||
| Q1 25 | $131.6M | $432.7M | ||
| Q4 24 | $122.6M | $101.7M | ||
| Q3 24 | $112.4M | $69.9M | ||
| Q2 24 | $115.6M | $355.5M | ||
| Q1 24 | $118.8M | $344.6M |
自由现金流ATLCPSNOW
| Q4 25 | — | $113.6M | ||
| Q3 25 | — | $58.2M | ||
| Q2 25 | — | $183.4M | ||
| Q1 25 | — | $421.4M | ||
| Q4 24 | — | $88.3M | ||
| Q3 24 | — | $64.8M | ||
| Q2 24 | — | $338.9M | ||
| Q1 24 | — | $331.5M |
自由现金流率ATLCPSNOW
| Q4 25 | — | 9.4% | ||
| Q3 25 | — | 5.1% | ||
| Q2 25 | — | 17.6% | ||
| Q1 25 | — | 42.7% | ||
| Q4 24 | — | 9.4% | ||
| Q3 24 | — | 7.5% | ||
| Q2 24 | — | 40.9% | ||
| Q1 24 | — | 42.8% |
资本支出强度ATLCPSNOW
| Q4 25 | — | 2.0% | ||
| Q3 25 | — | 1.5% | ||
| Q2 25 | — | 4.3% | ||
| Q1 25 | — | 1.1% | ||
| Q4 24 | — | 1.4% | ||
| Q3 24 | — | 0.6% | ||
| Q2 24 | — | 2.0% | ||
| Q1 24 | — | 1.7% |
现金转化率ATLCPSNOW
| 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
SNOW
| Products | $1.2B | 96% |
| Professional Services And Other | $54.5M | 4% |
| Related Party | $6.7M | 1% |
