vs
Side-by-side financial comparison of Okeanis Eco Tankers Corp. (ECO) and Upstart Holdings, Inc. (UPST). Click either name above to swap in a different company.
Okeanis Eco Tankers Corp. is the larger business by last-quarter revenue ($393.2M vs $296.1M, roughly 1.3× Upstart Holdings, Inc.). Over the past eight quarters, Upstart Holdings, Inc.'s revenue compounded faster (52.2% CAGR vs 20.5%).
Okeanis Eco Tankers Corp. is a global shipping enterprise specializing in the operation of eco-friendly tanker fleets. Its core business covers maritime transport of crude oil and refined petroleum products, serving major energy and commodity clients across key international trade routes, with a focus on cutting carbon emissions via energy-efficient vessel designs.
Upstart is an AI lending platform that partners with banks and credit unions to provide consumer loans using non-traditional variables, such as education and employment, to predict creditworthiness.
ECO vs UPST — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $393.2M | $296.1M |
| Net Profit | — | $18.6M |
| Gross Margin | — | — |
| Operating Margin | 41.4% | 6.4% |
| Net Margin | — | 6.3% |
| Revenue YoY | — | 35.2% |
| Net Profit YoY | — | 776.4% |
| EPS (diluted) | — | $0.20 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $393.2M | $296.1M | ||
| Q3 25 | $308.0M | $277.1M | ||
| Q2 25 | $-49.0M | $257.3M | ||
| Q1 25 | $111.1M | $213.4M | ||
| Q4 24 | $413.1M | $219.0M | ||
| Q3 24 | $321.4M | $162.1M | ||
| Q2 24 | $232.4M | $127.6M | ||
| Q1 24 | — | $127.8M |
| Q4 25 | — | $18.6M | ||
| Q3 25 | — | $31.8M | ||
| Q2 25 | — | $5.6M | ||
| Q1 25 | — | $-2.4M | ||
| Q4 24 | — | $-2.8M | ||
| Q3 24 | — | $-6.8M | ||
| Q2 24 | — | $-54.5M | ||
| Q1 24 | — | $-64.6M |
| Q4 25 | 41.4% | 6.4% | ||
| Q3 25 | 44.2% | 8.5% | ||
| Q2 25 | 101.1% | 1.8% | ||
| Q1 25 | 49.6% | -2.1% | ||
| Q4 24 | 48.7% | -2.2% | ||
| Q3 24 | 52.0% | -27.8% | ||
| Q2 24 | 56.7% | -43.5% | ||
| Q1 24 | — | -52.8% |
| Q4 25 | — | 6.3% | ||
| Q3 25 | — | 11.5% | ||
| Q2 25 | — | 2.2% | ||
| Q1 25 | — | -1.1% | ||
| Q4 24 | — | -1.3% | ||
| Q3 24 | — | -4.2% | ||
| Q2 24 | — | -42.7% | ||
| Q1 24 | — | -50.5% |
| Q4 25 | — | $0.20 | ||
| Q3 25 | — | $0.23 | ||
| Q2 25 | — | $0.05 | ||
| Q1 25 | — | $-0.03 | ||
| Q4 24 | — | $-0.01 | ||
| Q3 24 | — | $-0.07 | ||
| Q2 24 | — | $-0.62 | ||
| Q1 24 | — | $-0.74 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $116.6M | $652.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $573.1M | $798.8M |
| Total Assets | $1.2B | $3.0B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $116.6M | $652.4M | ||
| Q3 25 | — | $489.8M | ||
| Q2 25 | $59.8M | $395.9M | ||
| Q1 25 | — | $599.8M | ||
| Q4 24 | $49.3M | $788.4M | ||
| Q3 24 | — | — | ||
| Q2 24 | $92.8M | — | ||
| Q1 24 | — | — |
| Q4 25 | $573.1M | $798.8M | ||
| Q3 25 | — | $743.7M | ||
| Q2 25 | $428.3M | $722.0M | ||
| Q1 25 | — | $676.6M | ||
| Q4 24 | $410.4M | $633.2M | ||
| Q3 24 | — | $595.5M | ||
| Q2 24 | $432.6M | $594.7M | ||
| Q1 24 | — | $612.8M |
| Q4 25 | $1.2B | $3.0B | ||
| Q3 25 | — | $2.9B | ||
| Q2 25 | $1.1B | $2.5B | ||
| Q1 25 | — | $2.3B | ||
| Q4 24 | $1.1B | $2.4B | ||
| Q3 24 | — | $1.8B | ||
| Q2 24 | $1.1B | $1.8B | ||
| Q1 24 | — | $1.9B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $111.3M | $108.6M |
| Free Cash FlowOCF − Capex | — | $108.4M |
| FCF MarginFCF / Revenue | — | 36.6% |
| Capex IntensityCapex / Revenue | — | 0.1% |
| Cash ConversionOCF / Net Profit | — | 5.82× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $111.3M | $108.6M | ||
| Q3 25 | $132.2M | $-122.6M | ||
| Q2 25 | — | $-120.2M | ||
| Q1 25 | — | $-13.5M | ||
| Q4 24 | $162.8M | $-110.9M | ||
| Q3 24 | — | $179.3M | ||
| Q2 24 | — | $65.3M | ||
| Q1 24 | — | $52.6M |
| Q4 25 | — | $108.4M | ||
| Q3 25 | — | $-122.7M | ||
| Q2 25 | — | $-120.3M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $179.2M | ||
| Q2 24 | — | $65.3M | ||
| Q1 24 | — | $51.9M |
| Q4 25 | — | 36.6% | ||
| Q3 25 | — | -44.3% | ||
| Q2 25 | — | -46.7% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 110.5% | ||
| Q2 24 | — | 51.1% | ||
| Q1 24 | — | 40.6% |
| Q4 25 | — | 0.1% | ||
| Q3 25 | — | 0.0% | ||
| Q2 25 | — | 0.0% | ||
| Q1 25 | — | 0.0% | ||
| Q4 24 | — | 0.0% | ||
| Q3 24 | — | 0.1% | ||
| Q2 24 | — | 0.0% | ||
| Q1 24 | — | 0.5% |
| Q4 25 | — | 5.82× | ||
| Q3 25 | — | -3.86× | ||
| Q2 25 | — | -21.43× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ECO
Segment breakdown not available.
UPST
| Personal Lending Segment | $201.4M | 68% |
| Servicing Fees Net | $39.5M | 13% |
| Servicing Fees | $27.5M | 9% |
| Other | $15.7M | 5% |
| Borrower Fees | $8.4M | 3% |
| Collection Agency Fees | $3.5M | 1% |
