vs
Side-by-side financial comparison of EDGEWELL PERSONAL CARE Co (EPC) and Upstart Holdings, Inc. (UPST). Click either name above to swap in a different company.
EDGEWELL PERSONAL CARE Co is the larger business by last-quarter revenue ($422.8M vs $296.1M, roughly 1.4× Upstart Holdings, Inc.). Upstart Holdings, Inc. runs the higher net margin — 6.3% vs -15.5%, a 21.8% gap on every dollar of revenue. On growth, Upstart Holdings, Inc. posted the faster year-over-year revenue change (35.2% vs -11.6%). Upstart Holdings, Inc. produced more free cash flow last quarter ($108.4M vs $-137.5M). Over the past eight quarters, Upstart Holdings, Inc.'s revenue compounded faster (52.2% CAGR vs -16.0%).
The Edgewell Personal Care Company is an American multinational consumer products company headquartered in Shelton, Connecticut. It was formed in 2015 following the corporate spin-off from Energizer Holdings, Inc..
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.
EPC vs UPST — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $422.8M | $296.1M |
| Net Profit | $-65.7M | $18.6M |
| Gross Margin | 38.1% | — |
| Operating Margin | -4.5% | 6.4% |
| Net Margin | -15.5% | 6.3% |
| Revenue YoY | -11.6% | 35.2% |
| Net Profit YoY | -3028.6% | 776.4% |
| EPS (diluted) | $-1.41 | $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 | $422.8M | $296.1M | ||
| Q3 25 | $600.5M | $277.1M | ||
| Q2 25 | $627.2M | $257.3M | ||
| Q1 25 | $580.7M | $213.4M | ||
| Q4 24 | $415.1M | $219.0M | ||
| Q3 24 | $517.6M | $162.1M | ||
| Q2 24 | $647.8M | $127.6M | ||
| Q1 24 | $599.4M | $127.8M |
| Q4 25 | $-65.7M | $18.6M | ||
| Q3 25 | $-30.6M | $31.8M | ||
| Q2 25 | $29.1M | $5.6M | ||
| Q1 25 | $29.0M | $-2.4M | ||
| Q4 24 | $-2.1M | $-2.8M | ||
| Q3 24 | $8.8M | $-6.8M | ||
| Q2 24 | $49.0M | $-54.5M | ||
| Q1 24 | $36.0M | $-64.6M |
| Q4 25 | 38.1% | — | ||
| Q3 25 | 37.9% | — | ||
| Q2 25 | 42.8% | — | ||
| Q1 25 | 44.1% | — | ||
| Q4 24 | 41.6% | — | ||
| Q3 24 | 41.1% | — | ||
| Q2 24 | 44.3% | — | ||
| Q1 24 | 43.1% | — |
| Q4 25 | -4.5% | 6.4% | ||
| Q3 25 | -4.2% | 8.5% | ||
| Q2 25 | 8.6% | 1.8% | ||
| Q1 25 | 10.1% | -2.1% | ||
| Q4 24 | 2.2% | -2.2% | ||
| Q3 24 | 3.9% | -27.8% | ||
| Q2 24 | 12.8% | -43.5% | ||
| Q1 24 | 11.7% | -52.8% |
| Q4 25 | -15.5% | 6.3% | ||
| Q3 25 | -5.1% | 11.5% | ||
| Q2 25 | 4.6% | 2.2% | ||
| Q1 25 | 5.0% | -1.1% | ||
| Q4 24 | -0.5% | -1.3% | ||
| Q3 24 | 1.7% | -4.2% | ||
| Q2 24 | 7.6% | -42.7% | ||
| Q1 24 | 6.0% | -50.5% |
| Q4 25 | $-1.41 | $0.20 | ||
| Q3 25 | $-0.65 | $0.23 | ||
| Q2 25 | $0.62 | $0.05 | ||
| Q1 25 | $0.60 | $-0.03 | ||
| Q4 24 | $-0.04 | $-0.01 | ||
| Q3 24 | $0.18 | $-0.07 | ||
| Q2 24 | $0.98 | $-0.62 | ||
| Q1 24 | $0.72 | $-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 | — | $652.4M |
| Total DebtLower is stronger | $1.5B | — |
| Stockholders' EquityBook value | $1.5B | $798.8M |
| Total Assets | $3.8B | $3.0B |
| Debt / EquityLower = less leverage | 1.03× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $652.4M | ||
| Q3 25 | — | $489.8M | ||
| Q2 25 | — | $395.9M | ||
| Q1 25 | — | $599.8M | ||
| Q4 24 | — | $788.4M | ||
| Q3 24 | $209.1M | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $1.5B | — | ||
| Q3 25 | $1.4B | — | ||
| Q2 25 | $1.4B | — | ||
| Q1 25 | $1.4B | — | ||
| Q4 24 | $1.4B | — | ||
| Q3 24 | $1.3B | — | ||
| Q2 24 | $1.3B | — | ||
| Q1 24 | $1.4B | — |
| Q4 25 | $1.5B | $798.8M | ||
| Q3 25 | $1.6B | $743.7M | ||
| Q2 25 | $1.6B | $722.0M | ||
| Q1 25 | $1.5B | $676.6M | ||
| Q4 24 | $1.5B | $633.2M | ||
| Q3 24 | $1.6B | $595.5M | ||
| Q2 24 | $1.6B | $594.7M | ||
| Q1 24 | $1.6B | $612.8M |
| Q4 25 | $3.8B | $3.0B | ||
| Q3 25 | $3.8B | $2.9B | ||
| Q2 25 | $3.8B | $2.5B | ||
| Q1 25 | $3.8B | $2.3B | ||
| Q4 24 | $3.7B | $2.4B | ||
| Q3 24 | $3.7B | $1.8B | ||
| Q2 24 | $3.7B | $1.8B | ||
| Q1 24 | $3.8B | $1.9B |
| Q4 25 | 1.03× | — | ||
| Q3 25 | 0.89× | — | ||
| Q2 25 | 0.88× | — | ||
| Q1 25 | 0.95× | — | ||
| Q4 24 | 0.97× | — | ||
| Q3 24 | 0.81× | — | ||
| Q2 24 | 0.82× | — | ||
| Q1 24 | 0.88× | — |
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 | $-125.9M | $108.6M |
| Free Cash FlowOCF − Capex | $-137.5M | $108.4M |
| FCF MarginFCF / Revenue | -32.5% | 36.6% |
| Capex IntensityCapex / Revenue | 2.7% | 0.1% |
| Cash ConversionOCF / Net Profit | — | 5.82× |
| TTM Free Cash FlowTrailing 4 quarters | $36.3M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-125.9M | $108.6M | ||
| Q3 25 | $74.1M | $-122.6M | ||
| Q2 25 | $114.8M | $-120.2M | ||
| Q1 25 | $45.1M | $-13.5M | ||
| Q4 24 | $-115.6M | $-110.9M | ||
| Q3 24 | $-388.3M | $179.3M | ||
| Q2 24 | $101.2M | $65.3M | ||
| Q1 24 | $129.0M | $52.6M |
| Q4 25 | $-137.5M | $108.4M | ||
| Q3 25 | $46.5M | $-122.7M | ||
| Q2 25 | $99.3M | $-120.3M | ||
| Q1 25 | $28.0M | — | ||
| Q4 24 | $-132.4M | — | ||
| Q3 24 | $-414.2M | $179.2M | ||
| Q2 24 | $88.6M | $65.3M | ||
| Q1 24 | $117.5M | $51.9M |
| Q4 25 | -32.5% | 36.6% | ||
| Q3 25 | 7.7% | -44.3% | ||
| Q2 25 | 15.8% | -46.7% | ||
| Q1 25 | 4.8% | — | ||
| Q4 24 | -31.9% | — | ||
| Q3 24 | -80.0% | 110.5% | ||
| Q2 24 | 13.7% | 51.1% | ||
| Q1 24 | 19.6% | 40.6% |
| Q4 25 | 2.7% | 0.1% | ||
| Q3 25 | 4.6% | 0.0% | ||
| Q2 25 | 2.5% | 0.0% | ||
| Q1 25 | 2.9% | 0.0% | ||
| Q4 24 | 4.0% | 0.0% | ||
| Q3 24 | 5.0% | 0.1% | ||
| Q2 24 | 1.9% | 0.0% | ||
| Q1 24 | 1.9% | 0.5% |
| Q4 25 | — | 5.82× | ||
| Q3 25 | — | -3.86× | ||
| Q2 25 | 3.95× | -21.43× | ||
| Q1 25 | 1.56× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | -44.13× | — | ||
| Q2 24 | 2.07× | — | ||
| Q1 24 | 3.58× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
EPC
| Other | $242.0M | 57% |
| Sunand Skin Care Segment | $131.5M | 31% |
| Shavinggelsandcreams | $32.3M | 8% |
| Wipes And Other Skin Care Products | $17.0M | 4% |
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% |
