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CSW INDUSTRIALS, INC.（CSW）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
Upstart Holdings, Inc.の直近四半期売上が大きい（$296.1M vs $233.0M、CSW INDUSTRIALS, INC.の約1.3倍）。Upstart Holdings, Inc.の純利益率が高く（6.3% vs 4.4%、差は1.9%）。Upstart Holdings, Inc.の前年同期比売上増加率が高い（35.2% vs 20.3%）。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 $22.7M）。過去8四半期でUpstart Holdings, Inc.の売上複合成長率が高い（52.2% vs 5.1%）
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。
CSW vs UPST — 直接比較
売上が大きい
UPST
1.3倍大きい
$233.0M
売上成長率が高い
UPST
+14.9%の差
20.3%
純利益率が高い
UPST
純利益率が1.9%高い
4.4%
フリーキャッシュフローが多い
UPST
FCF $85.7M多い
$22.7M
2年売上CAGRが高い
UPST
2年複合成長率
5.1%
損益計算書 — Q3 FY2026 vs Q4 FY2025
| 指標 | | |
|---|---|---|
| 売上 | $233.0M | $296.1M |
| 純利益 | $10.3M | $18.6M |
| 粗利率 | 39.7% | — |
| 営業利益率 | 7.4% | 6.4% |
| 純利益率 | 4.4% | 6.3% |
| 売上前年比 | 20.3% | 35.2% |
| 純利益前年比 | -61.9% | 776.4% |
| EPS（希薄化後） | $0.62 | $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
売上CSWUPST
| Q4 25 | $233.0M | $296.1M | ||
| Q3 25 | $277.0M | $277.1M | ||
| Q2 25 | $263.6M | $257.3M | ||
| Q1 25 | $230.5M | $213.4M | ||
| Q4 24 | $193.6M | $219.0M | ||
| Q3 24 | $227.9M | $162.1M | ||
| Q2 24 | $226.2M | $127.6M | ||
| Q1 24 | $210.9M | $127.8M |
純利益CSWUPST
| Q4 25 | $10.3M | $18.6M | ||
| Q3 25 | $40.7M | $31.8M | ||
| Q2 25 | $40.9M | $5.6M | ||
| Q1 25 | $35.1M | $-2.4M | ||
| Q4 24 | $26.9M | $-2.8M | ||
| Q3 24 | $36.1M | $-6.8M | ||
| Q2 24 | $38.6M | $-54.5M | ||
| Q1 24 | $31.8M | $-64.6M |
粗利率CSWUPST
| Q4 25 | 39.7% | — | ||
| Q3 25 | 43.0% | — | ||
| Q2 25 | 43.8% | — | ||
| Q1 25 | 44.2% | — | ||
| Q4 24 | 41.4% | — | ||
| Q3 24 | 45.6% | — | ||
| Q2 24 | 47.5% | — | ||
| Q1 24 | 44.4% | — |
営業利益率CSWUPST
| Q4 25 | 7.4% | 6.4% | ||
| Q3 25 | 20.5% | 8.5% | ||
| Q2 25 | 20.8% | 1.8% | ||
| Q1 25 | 19.5% | -2.1% | ||
| Q4 24 | 15.3% | -2.2% | ||
| Q3 24 | 22.6% | -27.8% | ||
| Q2 24 | 24.3% | -43.5% | ||
| Q1 24 | 21.0% | -52.8% |
純利益率CSWUPST
| Q4 25 | 4.4% | 6.3% | ||
| Q3 25 | 14.7% | 11.5% | ||
| Q2 25 | 15.5% | 2.2% | ||
| Q1 25 | 15.2% | -1.1% | ||
| Q4 24 | 13.9% | -1.3% | ||
| Q3 24 | 15.8% | -4.2% | ||
| Q2 24 | 17.1% | -42.7% | ||
| Q1 24 | 15.1% | -50.5% |
EPS（希薄化後）CSWUPST
| Q4 25 | $0.62 | $0.20 | ||
| Q3 25 | $2.41 | $0.23 | ||
| Q2 25 | $2.43 | $0.05 | ||
| Q1 25 | $2.05 | $-0.03 | ||
| Q4 24 | $1.60 | $-0.01 | ||
| Q3 24 | $2.26 | $-0.07 | ||
| Q2 24 | $2.47 | $-0.62 | ||
| Q1 24 | $2.03 | $-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 | $40.2M | $652.4M |
| 総負債低いほど良い | — | — |
| 株主資本純資産 | $1.1B | $798.8M |
| 総資産 | $2.3B | $3.0B |
| 負債/資本比率低いほどレバレッジが低い | — | — |
8四半期トレンド — 暦四半期で整列
現金・短期投資CSWUPST
| Q4 25 | $40.2M | $652.4M | ||
| Q3 25 | $31.5M | $489.8M | ||
| Q2 25 | $38.0M | $395.9M | ||
| Q1 25 | $225.8M | $599.8M | ||
| Q4 24 | $213.8M | $788.4M | ||
| Q3 24 | $273.2M | — | ||
| Q2 24 | $18.9M | — | ||
| Q1 24 | $22.2M | — |
総負債CSWUPST
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | $800.1M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | $166.0M | — |
株主資本CSWUPST
| Q4 25 | $1.1B | $798.8M | ||
| Q3 25 | $1.1B | $743.7M | ||
| Q2 25 | $1.1B | $722.0M | ||
| Q1 25 | $1.1B | $676.6M | ||
| Q4 24 | $1.0B | $633.2M | ||
| Q3 24 | $1.0B | $595.5M | ||
| Q2 24 | $650.2M | $594.7M | ||
| Q1 24 | $615.7M | $612.8M |
総資産CSWUPST
| Q4 25 | $2.3B | $3.0B | ||
| Q3 25 | $1.5B | $2.9B | ||
| Q2 25 | $1.5B | $2.5B | ||
| Q1 25 | $1.4B | $2.3B | ||
| Q4 24 | $1.4B | $2.4B | ||
| Q3 24 | $1.4B | $1.8B | ||
| Q2 24 | $1.1B | $1.8B | ||
| Q1 24 | $1.0B | $1.9B |
負債/資本比率CSWUPST
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | 0.75× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | 0.27× | — |
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 | $28.9M | $108.6M |
| フリーキャッシュフロー営業CF - 設備投資 | $22.7M | $108.4M |
| FCFマージンFCF / 売上 | 9.8% | 36.6% |
| 設備投資強度設備投資 / 売上 | 2.6% | 0.1% |
| キャッシュ転換率営業CF / 純利益 | 2.81× | 5.82× |
| 直近12ヶ月FCF直近4四半期 | $162.0M | — |
8四半期トレンド — 暦四半期で整列
営業キャッシュフローCSWUPST
| Q4 25 | $28.9M | $108.6M | ||
| Q3 25 | $61.8M | $-122.6M | ||
| Q2 25 | $60.6M | $-120.2M | ||
| Q1 25 | $27.3M | $-13.5M | ||
| Q4 24 | $11.6M | $-110.9M | ||
| Q3 24 | $66.8M | $179.3M | ||
| Q2 24 | $62.7M | $65.3M | ||
| Q1 24 | $22.4M | $52.6M |
フリーキャッシュフローCSWUPST
| Q4 25 | $22.7M | $108.4M | ||
| Q3 25 | $58.7M | $-122.7M | ||
| Q2 25 | $57.7M | $-120.3M | ||
| Q1 25 | $22.8M | — | ||
| Q4 24 | $8.5M | — | ||
| Q3 24 | $61.3M | $179.2M | ||
| Q2 24 | $59.6M | $65.3M | ||
| Q1 24 | $17.5M | $51.9M |
FCFマージンCSWUPST
| Q4 25 | 9.8% | 36.6% | ||
| Q3 25 | 21.2% | -44.3% | ||
| Q2 25 | 21.9% | -46.7% | ||
| Q1 25 | 9.9% | — | ||
| Q4 24 | 4.4% | — | ||
| Q3 24 | 26.9% | 110.5% | ||
| Q2 24 | 26.3% | 51.1% | ||
| Q1 24 | 8.3% | 40.6% |
設備投資強度CSWUPST
| Q4 25 | 2.6% | 0.1% | ||
| Q3 25 | 1.1% | 0.0% | ||
| Q2 25 | 1.1% | 0.0% | ||
| Q1 25 | 2.0% | 0.0% | ||
| Q4 24 | 1.6% | 0.0% | ||
| Q3 24 | 2.4% | 0.1% | ||
| Q2 24 | 1.4% | 0.0% | ||
| Q1 24 | 2.3% | 0.5% |
キャッシュ転換率CSWUPST
| Q4 25 | 2.81× | 5.82× | ||
| Q3 25 | 1.52× | -3.86× | ||
| Q2 25 | 1.48× | -21.43× | ||
| Q1 25 | 0.78× | — | ||
| Q4 24 | 0.43× | — | ||
| Q3 24 | 1.85× | — | ||
| Q2 24 | 1.62× | — | ||
| Q1 24 | 0.71× | — |
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
CSW
| Contractor Solutions Segment | $166.3M | 71% |
| Specialized Reliability Solutions Segment | $38.2M | 16% |
| Engineered Building Solutions Segment | $28.5M | 12% |
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% |
