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Atlanticus Holdings Corp（ATLCP）与WORLD ACCEPTANCE CORP（WRLD）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WORLD ACCEPTANCE CORP的5.2倍（$734.4M vs $141.3M）。Atlanticus Holdings Corp净利率更高（4.7% vs -0.6%，领先5.4%）。Atlanticus Holdings Corp同比增速更快（107.8% vs 1.9%）。过去两年Atlanticus Holdings Corp的营收复合增速更高（58.9% vs -5.8%）
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。
本公司是一家汽车金融企业，主营汽车贷款及相关金融产品，业务通过全国合作经销商网络开展。目前公司运营两大核心业务项目，分别为投资组合项目与收购项目，通过这两个项目，公司可向汽车经销商预先提供资金，以此获得底层消费贷款的服务权等相关权益。
ATLCP vs WRLD — 直观对比
营收规模更大
ATLCP
是对方的5.2倍
$141.3M
营收增速更快
ATLCP
高出105.9%
1.9%
净利率更高
ATLCP
高出5.4%
-0.6%
两年增速更快
ATLCP
近两年复合增速
-5.8%
损益表 — Q4 2025 vs Q3 2026
| 指标 | | |
|---|---|---|
| 营收 | $734.4M | $141.3M |
| 净利润 | $34.6M | $-911.3K |
| 毛利率 | 92.4% | — |
| 营业利润率 | 6.3% | -0.7% |
| 净利率 | 4.7% | -0.6% |
| 营收同比 | 107.8% | 1.9% |
| 净利润同比 | 11.7% | -106.8% |
| 每股收益（稀释后） | $1.75 | $-0.19 |
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ATLCPWRLD
| Q4 25 | $734.4M | $141.3M | ||
| Q3 25 | $494.7M | $134.5M | ||
| Q2 25 | $394.2M | $132.5M | ||
| Q1 25 | $345.2M | $165.3M | ||
| Q4 24 | $353.5M | $138.6M | ||
| Q3 24 | $351.2M | $131.4M | ||
| Q2 24 | $316.0M | $129.5M | ||
| Q1 24 | $290.7M | $159.3M |
净利润ATLCPWRLD
| Q4 25 | $34.6M | $-911.3K | ||
| Q3 25 | $25.0M | $-1.9M | ||
| Q2 25 | $30.6M | $1.3M | ||
| Q1 25 | $31.5M | $44.3M | ||
| Q4 24 | $31.0M | $13.4M | ||
| Q3 24 | $29.5M | $22.1M | ||
| Q2 24 | $24.3M | $9.9M | ||
| Q1 24 | $26.2M | $35.1M |
毛利率ATLCPWRLD
| 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ATLCPWRLD
| Q4 25 | 6.3% | -0.7% | ||
| Q3 25 | 6.6% | -1.3% | ||
| Q2 25 | 10.2% | 1.5% | ||
| Q1 25 | 11.8% | 33.3% | ||
| Q4 24 | 11.3% | 11.6% | ||
| Q3 24 | 10.6% | 21.3% | ||
| Q2 24 | 9.1% | 10.0% | ||
| Q1 24 | 11.3% | 29.3% |
净利率ATLCPWRLD
| Q4 25 | 4.7% | -0.6% | ||
| Q3 25 | 5.0% | -1.4% | ||
| Q2 25 | 7.8% | 1.0% | ||
| Q1 25 | 9.1% | 26.8% | ||
| Q4 24 | 8.8% | 9.7% | ||
| Q3 24 | 8.4% | 16.8% | ||
| Q2 24 | 7.7% | 7.7% | ||
| Q1 24 | 9.0% | 22.0% |
每股收益（稀释后）ATLCPWRLD
| Q4 25 | $1.75 | $-0.19 | ||
| Q3 25 | $1.21 | $-0.38 | ||
| Q2 25 | $1.51 | $0.25 | ||
| Q1 25 | $1.49 | $8.07 | ||
| Q4 24 | $1.42 | $2.45 | ||
| Q3 24 | $1.27 | $3.99 | ||
| Q2 24 | $0.99 | $1.79 | ||
| Q1 24 | $1.09 | $6.02 |
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 | $10.0M |
| 总债务越低越好 | — | $677.2M |
| 股东权益账面价值 | $608.7M | $351.6M |
| 总资产 | $7.6B | $1.1B |
| 负债/权益比越低杠杆越低 | — | 1.93× |
8季度趋势，按日历期对齐
现金及短期投资ATLCPWRLD
| Q4 25 | $621.1M | $10.0M | ||
| Q3 25 | $425.0M | $14.9M | ||
| Q2 25 | $329.4M | $8.1M | ||
| Q1 25 | $350.4M | $4.7M | ||
| Q4 24 | $375.4M | $10.3M | ||
| Q3 24 | $308.7M | $9.7M | ||
| Q2 24 | $350.9M | $11.1M | ||
| Q1 24 | $444.8M | $5.2M |
总债务ATLCPWRLD
| Q4 25 | — | $677.2M | ||
| Q3 25 | — | $584.6M | ||
| Q2 25 | — | $472.5M | ||
| Q1 25 | — | $447.9M | ||
| Q4 24 | — | $561.2M | ||
| Q3 24 | — | $506.6M | ||
| Q2 24 | — | $494.7M | ||
| Q1 24 | — | $498.4M |
股东权益ATLCPWRLD
| Q4 25 | $608.7M | $351.6M | ||
| Q3 25 | $589.3M | $365.6M | ||
| Q2 25 | $563.3M | $427.9M | ||
| Q1 25 | $532.7M | $439.5M | ||
| Q4 24 | $492.9M | $428.2M | ||
| Q3 24 | $457.7M | $417.5M | ||
| Q2 24 | $433.8M | $422.6M | ||
| Q1 24 | $416.0M | $424.4M |
总资产ATLCPWRLD
| Q4 25 | $7.6B | $1.1B | ||
| Q3 25 | $7.1B | $1.1B | ||
| Q2 25 | $3.6B | $1.0B | ||
| Q1 25 | $3.3B | $1.0B | ||
| Q4 24 | $3.3B | $1.1B | ||
| Q3 24 | $3.0B | $1.0B | ||
| Q2 24 | $2.8B | $1.0B | ||
| Q1 24 | $2.8B | $1.1B |
负债/权益比ATLCPWRLD
| Q4 25 | — | 1.93× | ||
| Q3 25 | — | 1.60× | ||
| Q2 25 | — | 1.10× | ||
| Q1 25 | — | 1.02× | ||
| Q4 24 | — | 1.31× | ||
| Q3 24 | — | 1.21× | ||
| Q2 24 | — | 1.17× | ||
| Q1 24 | — | 1.17× |
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 | $58.0M |
| 自由现金流经营现金流 - 资本支出 | — | $57.2M |
| 自由现金流率自由现金流/营收 | — | 40.5% |
| 资本支出强度资本支出/营收 | — | 0.6% |
| 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 | — | $252.0M |
8季度趋势，按日历期对齐
经营现金流ATLCPWRLD
| Q4 25 | $266.3M | $58.0M | ||
| Q3 25 | $107.5M | $48.6M | ||
| Q2 25 | $132.7M | $58.2M | ||
| Q1 25 | $131.6M | $90.9M | ||
| Q4 24 | $122.6M | $61.1M | ||
| Q3 24 | $112.4M | $53.8M | ||
| Q2 24 | $115.6M | $48.4M | ||
| Q1 24 | $118.8M | $83.8M |
自由现金流ATLCPWRLD
| Q4 25 | — | $57.2M | ||
| Q3 25 | — | $47.7M | ||
| Q2 25 | — | $57.1M | ||
| Q1 25 | — | $90.0M | ||
| Q4 24 | — | $60.4M | ||
| Q3 24 | — | $52.7M | ||
| Q2 24 | — | $47.3M | ||
| Q1 24 | — | $82.3M |
自由现金流率ATLCPWRLD
| Q4 25 | — | 40.5% | ||
| Q3 25 | — | 35.5% | ||
| Q2 25 | — | 43.1% | ||
| Q1 25 | — | 54.5% | ||
| Q4 24 | — | 43.6% | ||
| Q3 24 | — | 40.1% | ||
| Q2 24 | — | 36.5% | ||
| Q1 24 | — | 51.7% |
资本支出强度ATLCPWRLD
| Q4 25 | — | 0.6% | ||
| Q3 25 | — | 0.7% | ||
| Q2 25 | — | 0.8% | ||
| Q1 25 | — | 0.5% | ||
| Q4 24 | — | 0.5% | ||
| Q3 24 | — | 0.8% | ||
| Q2 24 | — | 0.8% | ||
| Q1 24 | — | 1.0% |
现金转化率ATLCPWRLD
| Q4 25 | 7.69× | — | ||
| Q3 25 | 4.30× | — | ||
| Q2 25 | 4.34× | 43.27× | ||
| Q1 25 | 4.17× | 2.05× | ||
| Q4 24 | 3.96× | 4.56× | ||
| Q3 24 | 3.80× | 2.43× | ||
| Q2 24 | 4.76× | 4.87× | ||
| Q1 24 | 4.54× | 2.39× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
