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AMERICAN WOODMARK CORP（AMWD）与Upstart Holdings, Inc.（UPST）财务数据对比。点击上方公司名可切换其他公司
AMERICAN WOODMARK CORP的季度营收约是Upstart Holdings, Inc.的1.3倍（$394.6M vs $308.2M），AMERICAN WOODMARK CORP净利率更高（1.5% vs -2.2%，领先3.7%），Upstart Holdings, Inc.同比增速更快（44.4% vs -12.8%），过去两年Upstart Holdings, Inc.的营收复合增速更高（55.4% vs -3.3%）
美国木标公司是一家厨卫橱柜制造商，总部位于弗吉尼亚州温彻斯特。公司在美国多地设有多家生产基地与服务中心，其中生产基地分布在亚利桑那州、佐治亚州、印第安纳州、肯塔基州、马里兰州、田纳西州、弗吉尼亚州以及西弗吉尼亚州，服务网点覆盖全美各地。
Upstart是一家AI信贷平台服务商，与银行及信用合作社合作，将教育背景、就业情况等非传统指标纳入信用评估模型，更精准地预测借款人的信用状况，为用户提供消费贷款服务，助力金融机构提升信贷效率、扩大服务覆盖范围。
AMWD vs UPST — 直观对比
营收规模更大
AMWD
是对方的1.3倍
$308.2M
营收增速更快
UPST
高出57.2%
-12.8%
净利率更高
AMWD
高出3.7%
-2.2%
两年增速更快
UPST
近两年复合增速
-3.3%
损益表 — Q2 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $394.6M | $308.2M |
| 净利润 | $6.1M | $-6.6M |
| 毛利率 | 15.2% | — |
| 营业利润率 | 3.1% | -2.4% |
| 净利率 | 1.5% | -2.2% |
| 营收同比 | -12.8% | 44.4% |
| 净利润同比 | -78.0% | -171.6% |
| 每股收益（稀释后） | $0.42 | $-0.07 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收AMWDUPST
| Q1 26 | — | $308.2M | ||
| Q4 25 | $394.6M | $296.1M | ||
| Q3 25 | $403.0M | $277.1M | ||
| Q2 25 | $400.4M | $257.3M | ||
| Q1 25 | $397.6M | $213.4M | ||
| Q4 24 | $452.5M | $219.0M | ||
| Q3 24 | $459.1M | $162.1M | ||
| Q2 24 | $453.3M | $127.6M |
净利润AMWDUPST
| Q1 26 | — | $-6.6M | ||
| Q4 25 | $6.1M | $18.6M | ||
| Q3 25 | $14.6M | $31.8M | ||
| Q2 25 | $25.6M | $5.6M | ||
| Q1 25 | $16.6M | $-2.4M | ||
| Q4 24 | $27.7M | $-2.8M | ||
| Q3 24 | $29.6M | $-6.8M | ||
| Q2 24 | $26.8M | $-54.5M |
毛利率AMWDUPST
| Q1 26 | — | — | ||
| Q4 25 | 15.2% | — | ||
| Q3 25 | 16.7% | — | ||
| Q2 25 | 17.0% | — | ||
| Q1 25 | 15.0% | — | ||
| Q4 24 | 18.9% | — | ||
| Q3 24 | 20.2% | — | ||
| Q2 24 | 18.6% | — |
营业利润率AMWDUPST
| Q1 26 | — | -2.4% | ||
| Q4 25 | 3.1% | 6.4% | ||
| Q3 25 | 5.0% | 8.5% | ||
| Q2 25 | 7.4% | 1.8% | ||
| Q1 25 | 5.3% | -2.1% | ||
| Q4 24 | 9.4% | -2.2% | ||
| Q3 24 | 10.2% | -27.8% | ||
| Q2 24 | 8.4% | -43.5% |
净利率AMWDUPST
| Q1 26 | — | -2.2% | ||
| Q4 25 | 1.5% | 6.3% | ||
| Q3 25 | 3.6% | 11.5% | ||
| Q2 25 | 6.4% | 2.2% | ||
| Q1 25 | 4.2% | -1.1% | ||
| Q4 24 | 6.1% | -1.3% | ||
| Q3 24 | 6.5% | -4.2% | ||
| Q2 24 | 5.9% | -42.7% |
每股收益（稀释后）AMWDUPST
| Q1 26 | — | $-0.07 | ||
| Q4 25 | $0.42 | $0.20 | ||
| Q3 25 | $1.00 | $0.23 | ||
| Q2 25 | $1.73 | $0.05 | ||
| Q1 25 | $1.09 | $-0.03 | ||
| Q4 24 | $1.79 | $-0.01 | ||
| Q3 24 | $1.89 | $-0.07 | ||
| Q2 24 | $1.70 | $-0.62 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $52.1M | $472.9M |
| 总债务越低越好 | $363.3M | — |
| 股东权益账面价值 | $928.2M | $733.2M |
| 总资产 | $1.6B | $3.0B |
| 负债/权益比越低杠杆越低 | 0.39× | — |
8季度趋势，按日历期对齐
现金及短期投资AMWDUPST
| Q1 26 | — | $472.9M | ||
| Q4 25 | $52.1M | $652.4M | ||
| Q3 25 | $54.9M | $489.8M | ||
| Q2 25 | $48.2M | $395.9M | ||
| Q1 25 | $43.5M | $599.8M | ||
| Q4 24 | $56.7M | $788.4M | ||
| Q3 24 | $89.3M | — | ||
| Q2 24 | $87.4M | — |
总债务AMWDUPST
| Q1 26 | — | — | ||
| Q4 25 | $363.3M | — | ||
| Q3 25 | $364.8M | — | ||
| Q2 25 | $365.8M | — | ||
| Q1 25 | $367.3M | — | ||
| Q4 24 | $368.0M | — | ||
| Q3 24 | $372.2M | — | ||
| Q2 24 | $371.8M | — |
股东权益AMWDUPST
| Q1 26 | — | $733.2M | ||
| Q4 25 | $928.2M | $798.8M | ||
| Q3 25 | $920.3M | $743.7M | ||
| Q2 25 | $916.0M | $722.0M | ||
| Q1 25 | $919.6M | $676.6M | ||
| Q4 24 | $915.1M | $633.2M | ||
| Q3 24 | $913.8M | $595.5M | ||
| Q2 24 | $910.4M | $594.7M |
总资产AMWDUPST
| Q1 26 | — | $3.0B | ||
| Q4 25 | $1.6B | $3.0B | ||
| Q3 25 | $1.6B | $2.9B | ||
| Q2 25 | $1.6B | $2.5B | ||
| Q1 25 | $1.6B | $2.3B | ||
| Q4 24 | $1.6B | $2.4B | ||
| Q3 24 | $1.6B | $1.8B | ||
| Q2 24 | $1.6B | $1.8B |
负债/权益比AMWDUPST
| Q1 26 | — | — | ||
| Q4 25 | 0.39× | — | ||
| Q3 25 | 0.40× | — | ||
| Q2 25 | 0.40× | — | ||
| Q1 25 | 0.40× | — | ||
| Q4 24 | 0.40× | — | ||
| Q3 24 | 0.41× | — | ||
| Q2 24 | 0.41× | — |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $11.2M | $-133.3M |
| 自由现金流经营现金流 - 资本支出 | $638.0K | — |
| 自由现金流率自由现金流/营收 | 0.2% | — |
| 资本支出强度资本支出/营收 | 2.7% | — |
| 现金转化率经营现金流/净利润 | 1.83× | — |
| 过去12个月自由现金流最近4个季度 | $64.0M | — |
8季度趋势，按日历期对齐
经营现金流AMWDUPST
| Q1 26 | — | $-133.3M | ||
| Q4 25 | $11.2M | $108.6M | ||
| Q3 25 | $33.1M | $-122.6M | ||
| Q2 25 | $44.8M | $-120.2M | ||
| Q1 25 | $11.0M | $-13.5M | ||
| Q4 24 | $11.9M | $-110.9M | ||
| Q3 24 | $40.8M | $179.3M | ||
| Q2 24 | $43.3M | $65.3M |
自由现金流AMWDUPST
| Q1 26 | — | — | ||
| Q4 25 | $638.0K | $108.4M | ||
| Q3 25 | $25.3M | $-122.7M | ||
| Q2 25 | $35.8M | $-120.3M | ||
| Q1 25 | $2.3M | — | ||
| Q4 24 | $1.1M | — | ||
| Q3 24 | $29.5M | $179.2M | ||
| Q2 24 | $7.2M | $65.3M |
自由现金流率AMWDUPST
| Q1 26 | — | — | ||
| Q4 25 | 0.2% | 36.6% | ||
| Q3 25 | 6.3% | -44.3% | ||
| Q2 25 | 8.9% | -46.7% | ||
| Q1 25 | 0.6% | — | ||
| Q4 24 | 0.2% | — | ||
| Q3 24 | 6.4% | 110.5% | ||
| Q2 24 | 1.6% | 51.1% |
资本支出强度AMWDUPST
| Q1 26 | — | — | ||
| Q4 25 | 2.7% | 0.1% | ||
| Q3 25 | 1.9% | 0.0% | ||
| Q2 25 | 2.2% | 0.0% | ||
| Q1 25 | 2.2% | 0.0% | ||
| Q4 24 | 2.4% | 0.0% | ||
| Q3 24 | 2.5% | 0.1% | ||
| Q2 24 | 8.0% | 0.0% |
现金转化率AMWDUPST
| Q1 26 | — | — | ||
| Q4 25 | 1.83× | 5.82× | ||
| Q3 25 | 2.27× | -3.86× | ||
| Q2 25 | 1.75× | -21.43× | ||
| Q1 25 | 0.66× | — | ||
| Q4 24 | 0.43× | — | ||
| Q3 24 | 1.38× | — | ||
| Q2 24 | 1.62× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
AMWD
| Home Center Retailers | $166.7M | 42% |
| Builders | $164.7M | 42% |
| Independent Dealersand Distributors | $63.2M | 16% |
UPST
| Platform and referral fees, net | $224.6M | 73% |
| Servicing and other fees, net | $52.4M | 17% |
| Other | $31.2M | 10% |
