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Atlanticus Holdings Corp（ATLCP）与思佳讯（SWKS）财务数据对比。点击上方公司名可切换其他公司
思佳讯的季度营收约是Atlanticus Holdings Corp的1.3倍（$943.7M vs $734.4M），Atlanticus Holdings Corp净利率更高（4.7% vs 3.8%，领先0.9%），Atlanticus Holdings Corp同比增速更快（107.8% vs -1.0%），过去两年Atlanticus Holdings Corp的营收复合增速更高（58.9% vs 2.1%）
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。
思佳讯是总部位于美国加利福尼亚州尔湾的半导体企业，公司股票在纳斯达克全球精选市场挂牌交易，股票代码为SWKS，同时也是标普500指数的成分股之一，在全球射频半导体领域拥有较高市场地位。
ATLCP vs SWKS — 直观对比
营收规模更大
SWKS
是对方的1.3倍
$734.4M
营收增速更快
ATLCP
高出108.8%
-1.0%
净利率更高
ATLCP
高出0.9%
3.8%
两年增速更快
ATLCP
近两年复合增速
2.1%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $734.4M | $943.7M |
| 净利润 | $34.6M | $35.6M |
| 毛利率 | 92.4% | 40.8% |
| 营业利润率 | 6.3% | 4.5% |
| 净利率 | 4.7% | 3.8% |
| 营收同比 | 107.8% | -1.0% |
| 净利润同比 | 11.7% | -48.2% |
| 每股收益（稀释后） | $1.75 | $0.24 |
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ATLCPSWKS
| Q2 26 | — | $943.7M | ||
| Q1 26 | — | $1.0B | ||
| Q4 25 | $734.4M | $1.1B | ||
| Q3 25 | $494.7M | — | ||
| Q2 25 | $394.2M | $965.0M | ||
| Q1 25 | $345.2M | $953.2M | ||
| Q4 24 | $353.5M | $1.1B | ||
| Q3 24 | $351.2M | $1.0B |
净利润ATLCPSWKS
| Q2 26 | — | $35.6M | ||
| Q1 26 | — | $79.2M | ||
| Q4 25 | $34.6M | $141.4M | ||
| Q3 25 | $25.0M | — | ||
| Q2 25 | $30.6M | $105.0M | ||
| Q1 25 | $31.5M | $68.7M | ||
| Q4 24 | $31.0M | $162.0M | ||
| Q3 24 | $29.5M | $60.5M |
毛利率ATLCPSWKS
| Q2 26 | — | 40.8% | ||
| Q1 26 | — | 41.3% | ||
| Q4 25 | 92.4% | 40.7% | ||
| Q3 25 | 92.1% | — | ||
| Q2 25 | 91.4% | 41.6% | ||
| Q1 25 | 90.7% | 41.1% | ||
| Q4 24 | 89.9% | 41.4% | ||
| Q3 24 | 92.0% | 41.9% |
营业利润率ATLCPSWKS
| Q2 26 | — | 4.5% | ||
| Q1 26 | — | 10.0% | ||
| Q4 25 | 6.3% | 10.1% | ||
| Q3 25 | 6.6% | — | ||
| Q2 25 | 10.2% | 11.5% | ||
| Q1 25 | 11.8% | 10.2% | ||
| Q4 24 | 11.3% | 16.9% | ||
| Q3 24 | 10.6% | 5.8% |
净利率ATLCPSWKS
| Q2 26 | — | 3.8% | ||
| Q1 26 | — | 7.6% | ||
| Q4 25 | 4.7% | 12.9% | ||
| Q3 25 | 5.0% | — | ||
| Q2 25 | 7.8% | 10.9% | ||
| Q1 25 | 9.1% | 7.2% | ||
| Q4 24 | 8.8% | 15.2% | ||
| Q3 24 | 8.4% | 5.9% |
每股收益（稀释后）ATLCPSWKS
| Q2 26 | — | $0.24 | ||
| Q1 26 | — | $0.53 | ||
| Q4 25 | $1.75 | $0.95 | ||
| Q3 25 | $1.21 | — | ||
| Q2 25 | $1.51 | $0.70 | ||
| Q1 25 | $1.49 | $0.43 | ||
| Q4 24 | $1.42 | $1.00 | ||
| Q3 24 | $1.27 | $0.36 |
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 | — |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $608.7M | $5.8B |
| 总资产 | $7.6B | $7.9B |
| 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ATLCPSWKS
| Q2 26 | — | — | ||
| Q1 26 | — | $1.6B | ||
| Q4 25 | $621.1M | $1.4B | ||
| Q3 25 | $425.0M | — | ||
| Q2 25 | $329.4M | $1.3B | ||
| Q1 25 | $350.4M | $1.5B | ||
| Q4 24 | $375.4M | $1.7B | ||
| Q3 24 | $308.7M | $1.6B |
总债务ATLCPSWKS
| Q2 26 | — | — | ||
| Q1 26 | — | $496.6M | ||
| Q4 25 | — | $496.4M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | $496.2M | ||
| Q1 25 | — | $995.1M | ||
| Q4 24 | — | $994.7M | ||
| Q3 24 | — | $994.3M |
股东权益ATLCPSWKS
| Q2 26 | — | $5.8B | ||
| Q1 26 | — | $5.8B | ||
| Q4 25 | $608.7M | $5.8B | ||
| Q3 25 | $589.3M | — | ||
| Q2 25 | $563.3M | $5.7B | ||
| Q1 25 | $532.7M | $5.9B | ||
| Q4 24 | $492.9M | $6.4B | ||
| Q3 24 | $457.7M | $6.3B |
总资产ATLCPSWKS
| Q2 26 | — | $7.9B | ||
| Q1 26 | — | $7.9B | ||
| Q4 25 | $7.6B | $7.9B | ||
| Q3 25 | $7.1B | — | ||
| Q2 25 | $3.6B | $7.7B | ||
| Q1 25 | $3.3B | $7.9B | ||
| Q4 24 | $3.3B | $8.3B | ||
| Q3 24 | $3.0B | $8.3B |
负债/权益比ATLCPSWKS
| Q2 26 | — | — | ||
| Q1 26 | — | 0.09× | ||
| Q4 25 | — | 0.09× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 0.09× | ||
| Q1 25 | — | 0.17× | ||
| Q4 24 | — | 0.16× | ||
| Q3 24 | — | 0.16× |
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 | $50.3M |
| 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 | — | 8.7% |
| 现金转化率经营现金流/净利润 | 7.69× | 1.41× |
| 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ATLCPSWKS
| Q2 26 | — | $50.3M | ||
| Q1 26 | — | $395.5M | ||
| Q4 25 | $266.3M | $200.0M | ||
| Q3 25 | $107.5M | — | ||
| Q2 25 | $132.7M | $314.2M | ||
| Q1 25 | $131.6M | $409.4M | ||
| Q4 24 | $122.6M | $377.2M | ||
| Q3 24 | $112.4M | $476.1M |
自由现金流ATLCPSWKS
| Q2 26 | — | — | ||
| Q1 26 | — | $339.0M | ||
| Q4 25 | — | $144.0M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | $252.7M | ||
| Q1 25 | — | $370.9M | ||
| Q4 24 | — | $338.2M | ||
| Q3 24 | — | $393.3M |
自由现金流率ATLCPSWKS
| Q2 26 | — | — | ||
| Q1 26 | — | 32.7% | ||
| Q4 25 | — | 13.1% | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 26.2% | ||
| Q1 25 | — | 38.9% | ||
| Q4 24 | — | 31.7% | ||
| Q3 24 | — | 38.4% |
资本支出强度ATLCPSWKS
| Q2 26 | — | 8.7% | ||
| Q1 26 | — | 5.5% | ||
| Q4 25 | — | 5.1% | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 6.4% | ||
| Q1 25 | — | 4.0% | ||
| Q4 24 | — | 3.6% | ||
| Q3 24 | — | 8.1% |
现金转化率ATLCPSWKS
| Q2 26 | — | 1.41× | ||
| Q1 26 | — | 4.99× | ||
| Q4 25 | 7.69× | 1.41× | ||
| Q3 25 | 4.30× | — | ||
| Q2 25 | 4.34× | 2.99× | ||
| Q1 25 | 4.17× | 5.96× | ||
| Q4 24 | 3.96× | 2.33× | ||
| Q3 24 | 3.80× | 7.87× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
