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CSG SYSTEMS INTERNATIONAL INC（CSGS）とUpstart Holdings, Inc.（UPST）の財務データ比較。上の社名をクリックして会社を切り替えられます
CSG SYSTEMS INTERNATIONAL INCの直近四半期売上が大きい（$323.1M vs $296.1M、Upstart Holdings, Inc.の約1.1倍）。Upstart Holdings, Inc.の純利益率が高く（6.3% vs 2.2%、差は4.1%）。Upstart Holdings, Inc.の前年同期比売上増加率が高い（35.2% vs 2.0%）。Upstart Holdings, Inc.の直近四半期フリーキャッシュフローが多い（$108.4M vs $55.8M）。過去8四半期でUpstart Holdings, Inc.の売上複合成長率が高い（52.2% vs 4.6%）
中国南玻集団股フン有限公司は中国最大級の建築用ガラスメーカーで、浮きガラス、建築用ガラス、ディスプレイ用ガラス、自動車用ガラス、コーティングガラス、鏡、カラーフィルターガラス、太陽光発電用ガラス、省エネガラスなど多種多様なガラス製品の製造・販売を手がけています。
UpstartはAIを活用した融資プラットフォームを提供する企業で、銀行や信用組合と提携しています。学歴や雇用状況といった非伝統的な変数を用いて信用力を予測し、消費者向けローンの提供を支援することで、金融機関の審査精度向上やサービス範囲の拡大を後押ししています。
CSGS vs UPST — 直接比較
損益計算書 — Q4 FY2025 vs Q4 FY2025
| 指標 | | |
|---|---|---|
| 売上 | $323.1M | $296.1M |
| 純利益 | $7.0M | $18.6M |
| 粗利率 | 50.0% | — |
| 営業利益率 | 9.0% | 6.4% |
| 純利益率 | 2.2% | 6.3% |
| 売上前年比 | 2.0% | 35.2% |
| 純利益前年比 | -79.7% | 776.4% |
| EPS（希薄化後） | $0.24 | $0.20 |
緑 = その指標でリード。会計年度がずれている場合は期間が異なる場合あり
8四半期 売上・利益トレンド
並べて比較する四半期履歴。決算期がずれていても暦四半期で整列
| Q4 25 | $323.1M | $296.1M | ||
| Q3 25 | $303.6M | $277.1M | ||
| Q2 25 | $297.1M | $257.3M | ||
| Q1 25 | $299.5M | $213.4M | ||
| Q4 24 | $316.7M | $219.0M | ||
| Q3 24 | $295.1M | $162.1M | ||
| Q2 24 | $290.3M | $127.6M | ||
| Q1 24 | $295.1M | $127.8M |
| Q4 25 | $7.0M | $18.6M | ||
| Q3 25 | $20.5M | $31.8M | ||
| Q2 25 | $12.3M | $5.6M | ||
| Q1 25 | $16.1M | $-2.4M | ||
| Q4 24 | $34.5M | $-2.8M | ||
| Q3 24 | $19.1M | $-6.8M | ||
| Q2 24 | $13.8M | $-54.5M | ||
| Q1 24 | $19.5M | $-64.6M |
| Q4 25 | 50.0% | — | ||
| Q3 25 | 48.1% | — | ||
| Q2 25 | 49.5% | — | ||
| Q1 25 | 48.4% | — | ||
| Q4 24 | 51.3% | — | ||
| Q3 24 | 49.4% | — | ||
| Q2 24 | 47.3% | — | ||
| Q1 24 | 46.5% | — |
| Q4 25 | 9.0% | 6.4% | ||
| Q3 25 | 10.0% | 8.5% | ||
| Q2 25 | 10.0% | 1.8% | ||
| Q1 25 | 9.8% | -2.1% | ||
| Q4 24 | 13.4% | -2.2% | ||
| Q3 24 | 10.8% | -27.8% | ||
| Q2 24 | 8.8% | -43.5% | ||
| Q1 24 | 10.8% | -52.8% |
| Q4 25 | 2.2% | 6.3% | ||
| Q3 25 | 6.7% | 11.5% | ||
| Q2 25 | 4.1% | 2.2% | ||
| Q1 25 | 5.4% | -1.1% | ||
| Q4 24 | 10.9% | -1.3% | ||
| Q3 24 | 6.5% | -4.2% | ||
| Q2 24 | 4.8% | -42.7% | ||
| Q1 24 | 6.6% | -50.5% |
| Q4 25 | $0.24 | $0.20 | ||
| Q3 25 | $0.73 | $0.23 | ||
| Q2 25 | $0.44 | $0.05 | ||
| Q1 25 | $0.57 | $-0.03 | ||
| Q4 24 | $1.20 | $-0.01 | ||
| Q3 24 | $0.67 | $-0.07 | ||
| Q2 24 | $0.48 | $-0.62 | ||
| Q1 24 | $0.68 | $-0.74 |
貸借対照表と財務力
直近四半期の流動性・レバレッジ・純資産のスナップショット
| 指標 | | |
|---|---|---|
| 現金・短期投資手元流動性 | $180.0M | $652.4M |
| 総負債低いほど良い | $539.5M | — |
| 株主資本純資産 | $283.7M | $798.8M |
| 総資産 | $1.5B | $3.0B |
| 負債/資本比率低いほどレバレッジが低い | 1.90× | — |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $180.0M | $652.4M | ||
| Q3 25 | $158.4M | $489.8M | ||
| Q2 25 | $145.9M | $395.9M | ||
| Q1 25 | $136.0M | $599.8M | ||
| Q4 24 | $161.8M | $788.4M | ||
| Q3 24 | $118.4M | — | ||
| Q2 24 | $110.4M | — | ||
| Q1 24 | $120.8M | — |
| Q4 25 | $539.5M | — | ||
| Q3 25 | $538.6M | — | ||
| Q2 25 | $537.8M | — | ||
| Q1 25 | $537.6M | — | ||
| Q4 24 | $538.5M | — | ||
| Q3 24 | $539.5M | — | ||
| Q2 24 | $540.5M | — | ||
| Q1 24 | $541.5M | — |
| Q4 25 | $283.7M | $798.8M | ||
| Q3 25 | $289.5M | $743.7M | ||
| Q2 25 | $290.7M | $722.0M | ||
| Q1 25 | $283.1M | $676.6M | ||
| Q4 24 | $282.6M | $633.2M | ||
| Q3 24 | $288.4M | $595.5M | ||
| Q2 24 | $273.3M | $594.7M | ||
| Q1 24 | $269.3M | $612.8M |
| Q4 25 | $1.5B | $3.0B | ||
| Q3 25 | $1.5B | $2.9B | ||
| Q2 25 | $1.4B | $2.5B | ||
| Q1 25 | $1.4B | $2.3B | ||
| Q4 24 | $1.5B | $2.4B | ||
| Q3 24 | $1.4B | $1.8B | ||
| Q2 24 | $1.4B | $1.8B | ||
| Q1 24 | $1.3B | $1.9B |
| Q4 25 | 1.90× | — | ||
| Q3 25 | 1.86× | — | ||
| Q2 25 | 1.85× | — | ||
| Q1 25 | 1.90× | — | ||
| Q4 24 | 1.91× | — | ||
| Q3 24 | 1.87× | — | ||
| Q2 24 | 1.98× | — | ||
| Q1 24 | 2.01× | — |
キャッシュフローと資本効率
再投資後に実際に生み出すキャッシュ。純利益より操作が難しい
| 指標 | | |
|---|---|---|
| 営業キャッシュフロー直近四半期 | $59.2M | $108.6M |
| フリーキャッシュフロー営業CF - 設備投資 | $55.8M | $108.4M |
| FCFマージンFCF / 売上 | 17.3% | 36.6% |
| 設備投資強度設備投資 / 売上 | 1.1% | 0.1% |
| キャッシュ転換率営業CF / 純利益 | 8.46× | 5.82× |
| 直近12ヶ月FCF直近4四半期 | $141.4M | — |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $59.2M | $108.6M | ||
| Q3 25 | $47.9M | $-122.6M | ||
| Q2 25 | $37.3M | $-120.2M | ||
| Q1 25 | $11.5M | $-13.5M | ||
| Q4 24 | $82.5M | $-110.9M | ||
| Q3 24 | $39.5M | $179.3M | ||
| Q2 24 | $43.1M | $65.3M | ||
| Q1 24 | $-29.4M | $52.6M |
| Q4 25 | $55.8M | $108.4M | ||
| Q3 25 | $43.9M | $-122.7M | ||
| Q2 25 | $34.6M | $-120.3M | ||
| Q1 25 | $7.1M | — | ||
| Q4 24 | $76.6M | — | ||
| Q3 24 | $32.0M | $179.2M | ||
| Q2 24 | $38.8M | $65.3M | ||
| Q1 24 | $-34.1M | $51.9M |
| Q4 25 | 17.3% | 36.6% | ||
| Q3 25 | 14.5% | -44.3% | ||
| Q2 25 | 11.6% | -46.7% | ||
| Q1 25 | 2.4% | — | ||
| Q4 24 | 24.2% | — | ||
| Q3 24 | 10.8% | 110.5% | ||
| Q2 24 | 13.4% | 51.1% | ||
| Q1 24 | -11.6% | 40.6% |
| Q4 25 | 1.1% | 0.1% | ||
| Q3 25 | 1.3% | 0.0% | ||
| Q2 25 | 0.9% | 0.0% | ||
| Q1 25 | 1.5% | 0.0% | ||
| Q4 24 | 1.9% | 0.0% | ||
| Q3 24 | 2.5% | 0.1% | ||
| Q2 24 | 1.5% | 0.0% | ||
| Q1 24 | 1.6% | 0.5% |
| Q4 25 | 8.46× | 5.82× | ||
| Q3 25 | 2.34× | -3.86× | ||
| Q2 25 | 3.04× | -21.43× | ||
| Q1 25 | 0.71× | — | ||
| Q4 24 | 2.39× | — | ||
| Q3 24 | 2.07× | — | ||
| Q2 24 | 3.12× | — | ||
| Q1 24 | -1.51× | — |
財務フロー比較
売上 → 粗利 → 営業利益 → 純利益のサンキー図
セグメント別売上内訳
CSGS
| Software As A Service And Related Solutions | $287.2M | 89% |
| License And Service | $22.6M | 7% |
| Maintenance | $13.3M | 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% |
