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Side-by-side financial comparison of Enpro Inc. (NPO) and Upstart Holdings, Inc. (UPST). Click either name above to swap in a different company.
Upstart Holdings, Inc. is the larger business by last-quarter revenue ($296.1M vs $295.4M, roughly 1.0× Enpro Inc.). Upstart Holdings, Inc. runs the higher net margin — 6.3% vs -10.8%, a 17.1% gap on every dollar of revenue. On growth, Upstart Holdings, Inc. posted the faster year-over-year revenue change (35.2% vs 14.3%). Over the past eight quarters, Upstart Holdings, Inc.'s revenue compounded faster (52.2% CAGR vs 7.1%).
Enpro is a US-based industrial technology company that designs and manufactures products and materials for technology-intensive sectors. The company serves industries such as semiconductors, aerospace, power generation, heavy-duty trucking, agricultural machinery, chemical processing, pulp and paper, and life sciences from 61 primary manufacturing facilities located in 12 countries, worldwide. It is organized under three segments: Sealing Technologies, Advanced Surface Technologies, and Engin...
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.
NPO vs UPST — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $295.4M | $296.1M |
| Net Profit | $-32.0M | $18.6M |
| Gross Margin | 42.1% | — |
| Operating Margin | 11.2% | 6.4% |
| Net Margin | -10.8% | 6.3% |
| Revenue YoY | 14.3% | 35.2% |
| Net Profit YoY | -330.2% | 776.4% |
| EPS (diluted) | $-1.50 | $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 | $295.4M | $296.1M | ||
| Q3 25 | $286.6M | $277.1M | ||
| Q2 25 | $288.1M | $257.3M | ||
| Q1 25 | $273.2M | $213.4M | ||
| Q4 24 | $258.4M | $219.0M | ||
| Q3 24 | $260.9M | $162.1M | ||
| Q2 24 | $271.9M | $127.6M | ||
| Q1 24 | $257.5M | $127.8M |
| Q4 25 | $-32.0M | $18.6M | ||
| Q3 25 | $21.6M | $31.8M | ||
| Q2 25 | $26.4M | $5.6M | ||
| Q1 25 | $24.5M | $-2.4M | ||
| Q4 24 | $13.9M | $-2.8M | ||
| Q3 24 | $19.8M | $-6.8M | ||
| Q2 24 | $26.7M | $-54.5M | ||
| Q1 24 | $12.5M | $-64.6M |
| Q4 25 | 42.1% | — | ||
| Q3 25 | 41.9% | — | ||
| Q2 25 | 43.3% | — | ||
| Q1 25 | 43.3% | — | ||
| Q4 24 | 42.3% | — | ||
| Q3 24 | 42.3% | — | ||
| Q2 24 | 43.8% | — | ||
| Q1 24 | 41.2% | — |
| Q4 25 | 11.2% | 6.4% | ||
| Q3 25 | 14.3% | 8.5% | ||
| Q2 25 | 15.9% | 1.8% | ||
| Q1 25 | 15.3% | -2.1% | ||
| Q4 24 | 12.5% | -2.2% | ||
| Q3 24 | 13.1% | -27.8% | ||
| Q2 24 | 17.7% | -43.5% | ||
| Q1 24 | 10.9% | -52.8% |
| Q4 25 | -10.8% | 6.3% | ||
| Q3 25 | 7.5% | 11.5% | ||
| Q2 25 | 9.2% | 2.2% | ||
| Q1 25 | 9.0% | -1.1% | ||
| Q4 24 | 5.4% | -1.3% | ||
| Q3 24 | 7.6% | -4.2% | ||
| Q2 24 | 9.8% | -42.7% | ||
| Q1 24 | 4.9% | -50.5% |
| Q4 25 | $-1.50 | $0.20 | ||
| Q3 25 | $1.01 | $0.23 | ||
| Q2 25 | $1.25 | $0.05 | ||
| Q1 25 | $1.15 | $-0.03 | ||
| Q4 24 | $0.65 | $-0.01 | ||
| Q3 24 | $0.94 | $-0.07 | ||
| Q2 24 | $1.27 | $-0.62 | ||
| Q1 24 | $0.59 | $-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 | $114.7M | $652.4M |
| Total DebtLower is stronger | $655.3M | — |
| Stockholders' EquityBook value | $1.5B | $798.8M |
| Total Assets | $2.7B | $3.0B |
| Debt / EquityLower = less leverage | 0.42× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $114.7M | $652.4M | ||
| Q3 25 | $132.9M | $489.8M | ||
| Q2 25 | $107.1M | $395.9M | ||
| Q1 25 | $240.3M | $599.8M | ||
| Q4 24 | $236.3M | $788.4M | ||
| Q3 24 | $206.9M | — | ||
| Q2 24 | $175.9M | — | ||
| Q1 24 | $163.9M | — |
| Q4 25 | $655.3M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $640.1M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | $644.9M | — |
| Q4 25 | $1.5B | $798.8M | ||
| Q3 25 | $1.5B | $743.7M | ||
| Q2 25 | $1.5B | $722.0M | ||
| Q1 25 | $1.5B | $676.6M | ||
| Q4 24 | $1.4B | $633.2M | ||
| Q3 24 | $1.5B | $595.5M | ||
| Q2 24 | $1.4B | $594.7M | ||
| Q1 24 | $1.4B | $612.8M |
| Q4 25 | $2.7B | $3.0B | ||
| Q3 25 | $2.4B | $2.9B | ||
| Q2 25 | $2.4B | $2.5B | ||
| Q1 25 | $2.5B | $2.3B | ||
| Q4 24 | $2.5B | $2.4B | ||
| Q3 24 | $2.5B | $1.8B | ||
| Q2 24 | $2.5B | $1.8B | ||
| Q1 24 | $2.5B | $1.9B |
| Q4 25 | 0.42× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.45× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | 0.46× | — |
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 | — | $108.6M |
| Free Cash FlowOCF − Capex | — | $108.4M |
| FCF MarginFCF / Revenue | — | 36.6% |
| Capex IntensityCapex / Revenue | 4.1% | 0.1% |
| Cash ConversionOCF / Net Profit | — | 5.82× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $108.6M | ||
| Q3 25 | $65.3M | $-122.6M | ||
| Q2 25 | $52.2M | $-120.2M | ||
| Q1 25 | $21.0M | $-13.5M | ||
| Q4 24 | $59.4M | $-110.9M | ||
| Q3 24 | $54.0M | $179.3M | ||
| Q2 24 | $43.2M | $65.3M | ||
| Q1 24 | $6.3M | $52.6M |
| Q4 25 | — | $108.4M | ||
| Q3 25 | $53.4M | $-122.7M | ||
| Q2 25 | $42.3M | $-120.3M | ||
| Q1 25 | $13.0M | — | ||
| Q4 24 | $49.1M | — | ||
| Q3 24 | $48.3M | $179.2M | ||
| Q2 24 | $38.3M | $65.3M | ||
| Q1 24 | $-1.9M | $51.9M |
| Q4 25 | — | 36.6% | ||
| Q3 25 | 18.6% | -44.3% | ||
| Q2 25 | 14.7% | -46.7% | ||
| Q1 25 | 4.8% | — | ||
| Q4 24 | 19.0% | — | ||
| Q3 24 | 18.5% | 110.5% | ||
| Q2 24 | 14.1% | 51.1% | ||
| Q1 24 | -0.7% | 40.6% |
| Q4 25 | 4.1% | 0.1% | ||
| Q3 25 | 4.2% | 0.0% | ||
| Q2 25 | 3.4% | 0.0% | ||
| Q1 25 | 2.9% | 0.0% | ||
| Q4 24 | 4.0% | 0.0% | ||
| Q3 24 | 2.2% | 0.1% | ||
| Q2 24 | 1.8% | 0.0% | ||
| Q1 24 | 3.2% | 0.5% |
| Q4 25 | — | 5.82× | ||
| Q3 25 | 3.02× | -3.86× | ||
| Q2 25 | 1.98× | -21.43× | ||
| Q1 25 | 0.86× | — | ||
| Q4 24 | 4.27× | — | ||
| Q3 24 | 2.73× | — | ||
| Q2 24 | 1.62× | — | ||
| Q1 24 | 0.50× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
NPO
| Sealing Technologies Segment | $187.0M | 63% |
| General Industrial | $71.3M | 24% |
| Power Generation | $19.9M | 7% |
| Oiland Gas Market | $15.0M | 5% |
| Semiconductors | $2.2M | 1% |
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% |
