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Atlanticus Holdings Corp（ATLCP）与TRINET GROUP, INC.（TNET）财务数据对比。点击上方公司名可切换其他公司
TRINET GROUP, INC.的季度营收约是Atlanticus Holdings Corp的1.7倍（$1.2B vs $734.4M），Atlanticus Holdings Corp同比增速更快（107.8% vs -2.2%），过去两年Atlanticus Holdings Corp的营收复合增速更高（58.9% vs -0.6%）
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。
TriNet Group, Inc.是一家面向中小企业的专业雇主组织，总部位于加州都柏林，服务员工规模在3至2500人之间的各类机构。可提供薪资管理、健康福利管理服务，还能为客户提供劳动法规合规、风险降低相关咨询，可作为外包人力资源部门为企业分担人事相关事务。
ATLCP vs TNET — 直观对比
营收规模更大
TNET
是对方的1.7倍
$734.4M
营收增速更快
ATLCP
高出109.9%
-2.2%
两年增速更快
ATLCP
近两年复合增速
-0.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $734.4M | $1.2B |
| 净利润 | $34.6M | — |
| 毛利率 | 92.4% | — |
| 营业利润率 | 6.3% | 0.1% |
| 净利率 | 4.7% | — |
| 营收同比 | 107.8% | -2.2% |
| 净利润同比 | 11.7% | — |
| 每股收益（稀释后） | $1.75 | $0.02 |
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ATLCPTNET
| Q4 25 | $734.4M | $1.2B | ||
| Q3 25 | $494.7M | $1.2B | ||
| Q2 25 | $394.2M | $1.2B | ||
| Q1 25 | $345.2M | $1.3B | ||
| Q4 24 | $353.5M | $1.3B | ||
| Q3 24 | $351.2M | $1.2B | ||
| Q2 24 | $316.0M | $1.2B | ||
| Q1 24 | $290.7M | $1.3B |
净利润ATLCPTNET
| Q4 25 | $34.6M | — | ||
| Q3 25 | $25.0M | $34.0M | ||
| Q2 25 | $30.6M | $37.0M | ||
| Q1 25 | $31.5M | $85.0M | ||
| Q4 24 | $31.0M | — | ||
| Q3 24 | $29.5M | $45.0M | ||
| Q2 24 | $24.3M | $60.0M | ||
| Q1 24 | $26.2M | $91.0M |
毛利率ATLCPTNET
| 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% | — | ||
| Q1 24 | 90.8% | — |
营业利润率ATLCPTNET
| Q4 25 | 6.3% | 0.1% | ||
| Q3 25 | 6.6% | 4.1% | ||
| Q2 25 | 10.2% | 4.1% | ||
| Q1 25 | 11.8% | 8.9% | ||
| Q4 24 | 11.3% | -2.9% | ||
| Q3 24 | 10.6% | 4.7% | ||
| Q2 24 | 9.1% | 6.5% | ||
| Q1 24 | 11.3% | 9.7% |
净利率ATLCPTNET
| Q4 25 | 4.7% | — | ||
| Q3 25 | 5.0% | 2.8% | ||
| Q2 25 | 7.8% | 3.0% | ||
| Q1 25 | 9.1% | 6.6% | ||
| Q4 24 | 8.8% | — | ||
| Q3 24 | 8.4% | 3.6% | ||
| Q2 24 | 7.7% | 4.9% | ||
| Q1 24 | 9.0% | 7.2% |
每股收益（稀释后）ATLCPTNET
| Q4 25 | $1.75 | $0.02 | ||
| Q3 25 | $1.21 | $0.70 | ||
| Q2 25 | $1.51 | $0.77 | ||
| Q1 25 | $1.49 | $1.71 | ||
| Q4 24 | $1.42 | $-0.44 | ||
| Q3 24 | $1.27 | $0.89 | ||
| Q2 24 | $0.99 | $1.20 | ||
| Q1 24 | $1.09 | $1.78 |
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 | $287.0M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $608.7M | $54.0M |
| 总资产 | $7.6B | $3.8B |
| 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ATLCPTNET
| Q4 25 | $621.1M | $287.0M | ||
| Q3 25 | $425.0M | $321.0M | ||
| Q2 25 | $329.4M | $407.0M | ||
| Q1 25 | $350.4M | $349.0M | ||
| Q4 24 | $375.4M | $360.0M | ||
| Q3 24 | $308.7M | $301.0M | ||
| Q2 24 | $350.9M | $249.0M | ||
| Q1 24 | $444.8M | $383.0M |
股东权益ATLCPTNET
| Q4 25 | $608.7M | $54.0M | ||
| Q3 25 | $589.3M | $110.0M | ||
| Q2 25 | $563.3M | $107.0M | ||
| Q1 25 | $532.7M | $63.0M | ||
| Q4 24 | $492.9M | $69.0M | ||
| Q3 24 | $457.7M | $129.0M | ||
| Q2 24 | $433.8M | $100.0M | ||
| Q1 24 | $416.0M | $143.0M |
总资产ATLCPTNET
| Q4 25 | $7.6B | $3.8B | ||
| Q3 25 | $7.1B | $3.4B | ||
| Q2 25 | $3.6B | $3.7B | ||
| Q1 25 | $3.3B | $3.8B | ||
| Q4 24 | $3.3B | $4.1B | ||
| Q3 24 | $3.0B | $3.7B | ||
| Q2 24 | $2.8B | $3.7B | ||
| Q1 24 | $2.8B | $4.0B |
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 | $61.0M |
| 自由现金流经营现金流 - 资本支出 | — | $43.0M |
| 自由现金流率自由现金流/营收 | — | 3.4% |
| 资本支出强度资本支出/营收 | — | 1.4% |
| 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 | — | $234.0M |
8季度趋势，按日历期对齐
经营现金流ATLCPTNET
| Q4 25 | $266.3M | $61.0M | ||
| Q3 25 | $107.5M | $72.0M | ||
| Q2 25 | $132.7M | $75.0M | ||
| Q1 25 | $131.6M | $95.0M | ||
| Q4 24 | $122.6M | $65.0M | ||
| Q3 24 | $112.4M | $84.0M | ||
| Q2 24 | $115.6M | $39.0M | ||
| Q1 24 | $118.8M | $91.0M |
自由现金流ATLCPTNET
| Q4 25 | — | $43.0M | ||
| Q3 25 | — | $55.0M | ||
| Q2 25 | — | $57.0M | ||
| Q1 25 | — | $79.0M | ||
| Q4 24 | — | $47.0M | ||
| Q3 24 | — | $59.0M | ||
| Q2 24 | — | $22.0M | ||
| Q1 24 | — | $73.0M |
自由现金流率ATLCPTNET
| Q4 25 | — | 3.4% | ||
| Q3 25 | — | 4.5% | ||
| Q2 25 | — | 4.6% | ||
| Q1 25 | — | 6.1% | ||
| Q4 24 | — | 3.7% | ||
| Q3 24 | — | 4.8% | ||
| Q2 24 | — | 1.8% | ||
| Q1 24 | — | 5.8% |
资本支出强度ATLCPTNET
| Q4 25 | — | 1.4% | ||
| Q3 25 | — | 1.4% | ||
| Q2 25 | — | 1.5% | ||
| Q1 25 | — | 1.2% | ||
| Q4 24 | — | 1.4% | ||
| Q3 24 | — | 2.0% | ||
| Q2 24 | — | 1.4% | ||
| Q1 24 | — | 1.4% |
现金转化率ATLCPTNET
| Q4 25 | 7.69× | — | ||
| Q3 25 | 4.30× | 2.12× | ||
| Q2 25 | 4.34× | 2.03× | ||
| Q1 25 | 4.17× | 1.12× | ||
| Q4 24 | 3.96× | — | ||
| Q3 24 | 3.80× | 1.87× | ||
| Q2 24 | 4.76× | 0.65× | ||
| Q1 24 | 4.54× | 1.00× |
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
TNET
| Insurance Services | $1.1B | 85% |
| Professional Services | $169.0M | 14% |
