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AdvanSix Inc.（ASIX）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
AdvanSix Inc.的季度营收约是Upstart Holdings, Inc.的1.2倍（$359.9M vs $308.2M），AdvanSix Inc.净利率更高（-0.8% vs -2.2%，领先1.4%），Upstart Holdings, Inc.同比增速更快（44.4% vs 9.4%），过去两年Upstart Holdings, Inc.的营收复合增速更高（55.4% vs 3.4%）
AdvanSix Inc.是一家美国化工企业，主营尼龙6以及己内酰胺、硫酸铵肥料等相关化工产品。该公司原为霍尼韦尔旗下树脂与化工事业部，于2016年分拆独立，2019年预估营收达14亿美元，其企业历史可追溯至1884年在宾夕法尼亚州法兰克福成立的H. W. Jayne公司。
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。
ASIX vs UPST — 直观对比
营收规模更大
ASIX
是对方的1.2倍
$308.2M
营收增速更快
UPST
高出35.1%
9.4%
净利率更高
ASIX
高出1.4%
-2.2%
两年增速更快
UPST
近两年复合增速
3.4%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $359.9M | $308.2M |
| 净利润 | $-2.8M | $-6.6M |
| 毛利率 | 7.6% | — |
| 营业利润率 | -0.7% | -2.4% |
| 净利率 | -0.8% | -2.2% |
| 营收同比 | 9.4% | 44.4% |
| 净利润同比 | -892.9% | -171.6% |
| 每股收益（稀释后） | $-0.11 | $-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ASIXUPST
| Q1 26 | — | $308.2M | ||
| Q4 25 | $359.9M | $296.1M | ||
| Q3 25 | $374.5M | $277.1M | ||
| Q2 25 | $410.0M | $257.3M | ||
| Q1 25 | $377.8M | $213.4M | ||
| Q4 24 | $329.1M | $219.0M | ||
| Q3 24 | $398.2M | $162.1M | ||
| Q2 24 | $453.5M | $127.6M |
净利润ASIXUPST
| Q1 26 | — | $-6.6M | ||
| Q4 25 | $-2.8M | $18.6M | ||
| Q3 25 | $-2.6M | $31.8M | ||
| Q2 25 | $31.4M | $5.6M | ||
| Q1 25 | $23.3M | $-2.4M | ||
| Q4 24 | $352.0K | $-2.8M | ||
| Q3 24 | $22.3M | $-6.8M | ||
| Q2 24 | $38.9M | $-54.5M |
毛利率ASIXUPST
| Q1 26 | — | — | ||
| Q4 25 | 7.6% | — | ||
| Q3 25 | 6.8% | — | ||
| Q2 25 | 14.3% | — | ||
| Q1 25 | 14.2% | — | ||
| Q4 24 | 3.4% | — | ||
| Q3 24 | 14.4% | — | ||
| Q2 24 | 17.9% | — |
营业利润率ASIXUPST
| Q1 26 | — | -2.4% | ||
| Q4 25 | -0.7% | 6.4% | ||
| Q3 25 | -0.9% | 8.5% | ||
| Q2 25 | 7.7% | 1.8% | ||
| Q1 25 | 7.7% | -2.1% | ||
| Q4 24 | -3.9% | -2.2% | ||
| Q3 24 | 7.5% | -27.8% | ||
| Q2 24 | 11.5% | -43.5% |
净利率ASIXUPST
| Q1 26 | — | -2.2% | ||
| Q4 25 | -0.8% | 6.3% | ||
| Q3 25 | -0.7% | 11.5% | ||
| Q2 25 | 7.7% | 2.2% | ||
| Q1 25 | 6.2% | -1.1% | ||
| Q4 24 | 0.1% | -1.3% | ||
| Q3 24 | 5.6% | -4.2% | ||
| Q2 24 | 8.6% | -42.7% |
每股收益（稀释后）ASIXUPST
| Q1 26 | — | $-0.07 | ||
| Q4 25 | $-0.11 | $0.20 | ||
| Q3 25 | $-0.10 | $0.23 | ||
| Q2 25 | $1.15 | $0.05 | ||
| Q1 25 | $0.86 | $-0.03 | ||
| Q4 24 | $0.02 | $-0.01 | ||
| Q3 24 | $0.82 | $-0.07 | ||
| Q2 24 | $1.43 | $-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 | $19.8M | $472.9M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $815.2M | $733.2M |
| 总资产 | $1.7B | $3.0B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资ASIXUPST
| Q1 26 | — | $472.9M | ||
| Q4 25 | $19.8M | $652.4M | ||
| Q3 25 | $23.7M | $489.8M | ||
| Q2 25 | $18.4M | $395.9M | ||
| Q1 25 | $8.3M | $599.8M | ||
| Q4 24 | $19.6M | $788.4M | ||
| Q3 24 | $17.3M | — | ||
| Q2 24 | $12.1M | — |
股东权益ASIXUPST
| Q1 26 | — | $733.2M | ||
| Q4 25 | $815.2M | $798.8M | ||
| Q3 25 | $818.2M | $743.7M | ||
| Q2 25 | $823.7M | $722.0M | ||
| Q1 25 | $794.4M | $676.6M | ||
| Q4 24 | $774.6M | $633.2M | ||
| Q3 24 | $766.4M | $595.5M | ||
| Q2 24 | $746.6M | $594.7M |
总资产ASIXUPST
| Q1 26 | — | $3.0B | ||
| Q4 25 | $1.7B | $3.0B | ||
| Q3 25 | $1.7B | $2.9B | ||
| Q2 25 | $1.6B | $2.5B | ||
| Q1 25 | $1.6B | $2.3B | ||
| Q4 24 | $1.6B | $2.4B | ||
| Q3 24 | $1.5B | $1.8B | ||
| Q2 24 | $1.5B | $1.8B |
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 | $63.7M | $-133.3M |
| 自由现金流经营现金流 - 资本支出 | $36.1M | — |
| 自由现金流率自由现金流/营收 | 10.0% | — |
| 资本支出强度资本支出/营收 | 7.7% | — |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | $6.4M | — |
8季度趋势，按日历期对齐
经营现金流ASIXUPST
| Q1 26 | — | $-133.3M | ||
| Q4 25 | $63.7M | $108.6M | ||
| Q3 25 | $26.6M | $-122.6M | ||
| Q2 25 | $21.1M | $-120.2M | ||
| Q1 25 | $11.4M | $-13.5M | ||
| Q4 24 | $64.2M | $-110.9M | ||
| Q3 24 | $57.3M | $179.3M | ||
| Q2 24 | $50.2M | $65.3M |
自由现金流ASIXUPST
| Q1 26 | — | — | ||
| Q4 25 | $36.1M | $108.4M | ||
| Q3 25 | $66.0K | $-122.7M | ||
| Q2 25 | $-7.2M | $-120.3M | ||
| Q1 25 | $-22.6M | — | ||
| Q4 24 | $29.8M | — | ||
| Q3 24 | $26.8M | $179.2M | ||
| Q2 24 | $16.7M | $65.3M |
自由现金流率ASIXUPST
| Q1 26 | — | — | ||
| Q4 25 | 10.0% | 36.6% | ||
| Q3 25 | 0.0% | -44.3% | ||
| Q2 25 | -1.7% | -46.7% | ||
| Q1 25 | -6.0% | — | ||
| Q4 24 | 9.1% | — | ||
| Q3 24 | 6.7% | 110.5% | ||
| Q2 24 | 3.7% | 51.1% |
资本支出强度ASIXUPST
| Q1 26 | — | — | ||
| Q4 25 | 7.7% | 0.1% | ||
| Q3 25 | 7.1% | 0.0% | ||
| Q2 25 | 6.9% | 0.0% | ||
| Q1 25 | 9.0% | 0.0% | ||
| Q4 24 | 10.4% | 0.0% | ||
| Q3 24 | 7.7% | 0.1% | ||
| Q2 24 | 7.4% | 0.0% |
现金转化率ASIXUPST
| Q1 26 | — | — | ||
| Q4 25 | — | 5.82× | ||
| Q3 25 | — | -3.86× | ||
| Q2 25 | 0.67× | -21.43× | ||
| Q1 25 | 0.49× | — | ||
| Q4 24 | 182.29× | — | ||
| Q3 24 | 2.57× | — | ||
| Q2 24 | 1.29× | — |
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
ASIX
| Plant Nutrients | $140.0M | 39% |
| Chemical Intermediates | $92.8M | 26% |
| Caprolactam | $64.4M | 18% |
| Nylon Resins | $62.8M | 17% |
UPST
| Platform and referral fees, net | $224.6M | 73% |
| Servicing and other fees, net | $52.4M | 17% |
| Other | $31.2M | 10% |
