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Atlanticus Holdings Corp（ATLCP）与Ubiquiti Inc.（UI）财务数据对比。点击上方公司名可切换其他公司
Ubiquiti Inc.的季度营收约是Atlanticus Holdings Corp的1.1倍（$814.9M vs $734.4M），Ubiquiti Inc.净利率更高（28.7% vs 4.7%，领先24.0%），Atlanticus Holdings Corp同比增速更快（107.8% vs 35.8%），过去两年Atlanticus Holdings Corp的营收复合增速更高（58.9% vs 28.6%）
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。
Ubiquiti Inc.是一家美国科技企业，2003年于加利福尼亚州圣何塞成立，目前总部位于纽约。公司旗下拥有多个品牌，主营面向企业及家庭用户的有线、无线数据通信产品的研发、生产与销售。
ATLCP vs UI — 直观对比
营收规模更大
UI
是对方的1.1倍
$734.4M
营收增速更快
ATLCP
高出71.9%
35.8%
净利率更高
UI
高出24.0%
4.7%
两年增速更快
ATLCP
近两年复合增速
28.6%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $734.4M | $814.9M |
| 净利润 | $34.6M | $233.6M |
| 毛利率 | 92.4% | 45.9% |
| 营业利润率 | 6.3% | 35.9% |
| 净利率 | 4.7% | 28.7% |
| 营收同比 | 107.8% | 35.8% |
| 净利润同比 | 11.7% | 70.8% |
| 每股收益（稀释后） | $1.75 | $3.86 |
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ATLCPUI
| Q4 25 | $734.4M | $814.9M | ||
| Q3 25 | $494.7M | $733.8M | ||
| Q2 25 | $394.2M | $759.2M | ||
| Q1 25 | $345.2M | $664.2M | ||
| Q4 24 | $353.5M | $599.9M | ||
| Q3 24 | $351.2M | $550.3M | ||
| Q2 24 | $316.0M | $507.5M | ||
| Q1 24 | $290.7M | $493.0M |
净利润ATLCPUI
| Q4 25 | $34.6M | $233.6M | ||
| Q3 25 | $25.0M | $207.9M | ||
| Q2 25 | $30.6M | $266.7M | ||
| Q1 25 | $31.5M | $180.4M | ||
| Q4 24 | $31.0M | $136.8M | ||
| Q3 24 | $29.5M | $128.0M | ||
| Q2 24 | $24.3M | $103.8M | ||
| Q1 24 | $26.2M | $76.3M |
毛利率ATLCPUI
| Q4 25 | 92.4% | 45.9% | ||
| Q3 25 | 92.1% | 46.0% | ||
| Q2 25 | 91.4% | 45.1% | ||
| Q1 25 | 90.7% | 44.5% | ||
| Q4 24 | 89.9% | 41.2% | ||
| Q3 24 | 92.0% | 42.1% | ||
| Q2 24 | 91.2% | 40.2% | ||
| Q1 24 | 90.8% | 35.3% |
营业利润率ATLCPUI
| Q4 25 | 6.3% | 35.9% | ||
| Q3 25 | 6.6% | 35.7% | ||
| Q2 25 | 10.2% | 34.4% | ||
| Q1 25 | 11.8% | 34.2% | ||
| Q4 24 | 11.3% | 29.8% | ||
| Q3 24 | 10.6% | 30.7% | ||
| Q2 24 | 9.1% | 27.3% | ||
| Q1 24 | 11.3% | 22.6% |
净利率ATLCPUI
| Q4 25 | 4.7% | 28.7% | ||
| Q3 25 | 5.0% | 28.3% | ||
| Q2 25 | 7.8% | 35.1% | ||
| Q1 25 | 9.1% | 27.2% | ||
| Q4 24 | 8.8% | 22.8% | ||
| Q3 24 | 8.4% | 23.3% | ||
| Q2 24 | 7.7% | 20.5% | ||
| Q1 24 | 9.0% | 15.5% |
每股收益（稀释后）ATLCPUI
| Q4 25 | $1.75 | $3.86 | ||
| Q3 25 | $1.21 | $3.43 | ||
| Q2 25 | $1.51 | $4.40 | ||
| Q1 25 | $1.49 | $2.98 | ||
| Q4 24 | $1.42 | $2.26 | ||
| Q3 24 | $1.27 | $2.12 | ||
| Q2 24 | $0.99 | $1.72 | ||
| Q1 24 | $1.09 | $1.26 |
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 | $302.8M |
| 总债务越低越好 | — | $47.5M |
| 股东权益账面价值 | $608.7M | $1.0B |
| 总资产 | $7.6B | $1.6B |
| 负债/权益比越低杠杆越低 | — | 0.05× |
8季度趋势，按日历期对齐
现金及短期投资ATLCPUI
| Q4 25 | $621.1M | $302.8M | ||
| Q3 25 | $425.0M | $177.2M | ||
| Q2 25 | $329.4M | $149.7M | ||
| Q1 25 | $350.4M | $151.0M | ||
| Q4 24 | $375.4M | $133.1M | ||
| Q3 24 | $308.7M | $165.2M | ||
| Q2 24 | $350.9M | $126.3M | ||
| Q1 24 | $444.8M | $102.5M |
总债务ATLCPUI
| Q4 25 | — | $47.5M | ||
| Q3 25 | — | $133.8M | ||
| Q2 25 | — | $250.0M | ||
| Q1 25 | — | $340.0M | ||
| Q4 24 | — | $406.3M | ||
| Q3 24 | — | $552.5M | ||
| Q2 24 | — | $708.1M | ||
| Q1 24 | — | $877.5M |
股东权益ATLCPUI
| Q4 25 | $608.7M | $1.0B | ||
| Q3 25 | $589.3M | $828.4M | ||
| Q2 25 | $563.3M | $668.3M | ||
| Q1 25 | $532.7M | $436.1M | ||
| Q4 24 | $492.9M | $290.4M | ||
| Q3 24 | $457.7M | $188.1M | ||
| Q2 24 | $433.8M | $95.1M | ||
| Q1 24 | $416.0M | $25.9M |
总资产ATLCPUI
| Q4 25 | $7.6B | $1.6B | ||
| Q3 25 | $7.1B | $1.5B | ||
| Q2 25 | $3.6B | $1.5B | ||
| Q1 25 | $3.3B | $1.3B | ||
| Q4 24 | $3.3B | $1.2B | ||
| Q3 24 | $3.0B | $1.2B | ||
| Q2 24 | $2.8B | $1.2B | ||
| Q1 24 | $2.8B | $1.2B |
负债/权益比ATLCPUI
| Q4 25 | — | 0.05× | ||
| Q3 25 | — | 0.16× | ||
| Q2 25 | — | 0.37× | ||
| Q1 25 | — | 0.78× | ||
| Q4 24 | — | 1.40× | ||
| Q3 24 | — | 2.94× | ||
| Q2 24 | — | 7.45× | ||
| Q1 24 | — | 33.92× |
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 | $263.9M |
| 自由现金流经营现金流 - 资本支出 | — | $260.3M |
| 自由现金流率自由现金流/营收 | — | 31.9% |
| 资本支出强度资本支出/营收 | — | 0.4% |
| 现金转化率经营现金流/净利润 | 7.69× | 1.13× |
| 过去12个月自由现金流最近4个季度 | — | $699.5M |
8季度趋势，按日历期对齐
经营现金流ATLCPUI
| Q4 25 | $266.3M | $263.9M | ||
| Q3 25 | $107.5M | $198.5M | ||
| Q2 25 | $132.7M | $130.4M | ||
| Q1 25 | $131.6M | $123.6M | ||
| Q4 24 | $122.6M | $152.4M | ||
| Q3 24 | $112.4M | $233.7M | ||
| Q2 24 | $115.6M | $231.4M | ||
| Q1 24 | $118.8M | $163.9M |
自由现金流ATLCPUI
| Q4 25 | — | $260.3M | ||
| Q3 25 | — | $193.3M | ||
| Q2 25 | — | $125.2M | ||
| Q1 25 | — | $120.7M | ||
| Q4 24 | — | $150.4M | ||
| Q3 24 | — | $231.1M | ||
| Q2 24 | — | $229.5M | ||
| Q1 24 | — | $160.6M |
自由现金流率ATLCPUI
| Q4 25 | — | 31.9% | ||
| Q3 25 | — | 26.3% | ||
| Q2 25 | — | 16.5% | ||
| Q1 25 | — | 18.2% | ||
| Q4 24 | — | 25.1% | ||
| Q3 24 | — | 42.0% | ||
| Q2 24 | — | 45.2% | ||
| Q1 24 | — | 32.6% |
资本支出强度ATLCPUI
| Q4 25 | — | 0.4% | ||
| Q3 25 | — | 0.7% | ||
| Q2 25 | — | 0.7% | ||
| Q1 25 | — | 0.4% | ||
| Q4 24 | — | 0.3% | ||
| Q3 24 | — | 0.5% | ||
| Q2 24 | — | 0.4% | ||
| Q1 24 | — | 0.7% |
现金转化率ATLCPUI
| Q4 25 | 7.69× | 1.13× | ||
| Q3 25 | 4.30× | 0.95× | ||
| Q2 25 | 4.34× | 0.49× | ||
| Q1 25 | 4.17× | 0.68× | ||
| Q4 24 | 3.96× | 1.11× | ||
| Q3 24 | 3.80× | 1.83× | ||
| Q2 24 | 4.76× | 2.23× | ||
| Q1 24 | 4.54× | 2.15× |
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
UI
| Enterprise Technology | $729.0M | 89% |
| Service Provider Technology | $85.9M | 11% |
