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BALCHEM CORP（BCPC）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
Upstart Holdings, Inc.的季度营收约是BALCHEM CORP的1.1倍（$308.2M vs $270.7M），BALCHEM CORP净利率更高（14.9% vs -2.2%，领先17.0%），Upstart Holdings, Inc.同比增速更快（44.4% vs 8.1%），过去两年Upstart Holdings, Inc.的营收复合增速更高（55.4% vs 7.5%）
Balchem Corp是一家全球特种化学品与营养原料供应商，核心业务覆盖人类营养、动物保健、制药、工业应用四大领域，为北美、欧洲、亚太等地区的客户提供定制化专用原料产品。
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。
BCPC vs UPST — 直观对比
营收规模更大
UPST
是对方的1.1倍
$270.7M
营收增速更快
UPST
高出36.4%
8.1%
净利率更高
BCPC
高出17.0%
-2.2%
两年增速更快
UPST
近两年复合增速
7.5%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $270.7M | $308.2M |
| 净利润 | $40.3M | $-6.6M |
| 毛利率 | — | — |
| 营业利润率 | 20.5% | -2.4% |
| 净利率 | 14.9% | -2.2% |
| 营收同比 | 8.1% | 44.4% |
| 净利润同比 | 8.7% | -171.6% |
| 每股收益（稀释后） | $1.25 | $-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BCPCUPST
| Q1 26 | $270.7M | $308.2M | ||
| Q4 25 | $263.6M | $296.1M | ||
| Q3 25 | $267.6M | $277.1M | ||
| Q2 25 | $255.5M | $257.3M | ||
| Q1 25 | $250.5M | $213.4M | ||
| Q4 24 | $240.0M | $219.0M | ||
| Q3 24 | $239.9M | $162.1M | ||
| Q2 24 | $234.1M | $127.6M |
净利润BCPCUPST
| Q1 26 | $40.3M | $-6.6M | ||
| Q4 25 | $39.2M | $18.6M | ||
| Q3 25 | $40.3M | $31.8M | ||
| Q2 25 | $38.3M | $5.6M | ||
| Q1 25 | $37.1M | $-2.4M | ||
| Q4 24 | $33.6M | $-2.8M | ||
| Q3 24 | $33.8M | $-6.8M | ||
| Q2 24 | $32.1M | $-54.5M |
毛利率BCPCUPST
| Q1 26 | — | — | ||
| Q4 25 | 35.6% | — | ||
| Q3 25 | 35.7% | — | ||
| Q2 25 | 36.4% | — | ||
| Q1 25 | 35.2% | — | ||
| Q4 24 | 36.0% | — | ||
| Q3 24 | 35.6% | — | ||
| Q2 24 | 35.5% | — |
营业利润率BCPCUPST
| Q1 26 | 20.5% | -2.4% | ||
| Q4 25 | 19.8% | 6.4% | ||
| Q3 25 | 20.4% | 8.5% | ||
| Q2 25 | 20.1% | 1.8% | ||
| Q1 25 | 20.4% | -2.1% | ||
| Q4 24 | 19.8% | -2.2% | ||
| Q3 24 | 20.0% | -27.8% | ||
| Q2 24 | 19.6% | -43.5% |
净利率BCPCUPST
| Q1 26 | 14.9% | -2.2% | ||
| Q4 25 | 14.9% | 6.3% | ||
| Q3 25 | 15.1% | 11.5% | ||
| Q2 25 | 15.0% | 2.2% | ||
| Q1 25 | 14.8% | -1.1% | ||
| Q4 24 | 14.0% | -1.3% | ||
| Q3 24 | 14.1% | -4.2% | ||
| Q2 24 | 13.7% | -42.7% |
每股收益（稀释后）BCPCUPST
| Q1 26 | $1.25 | $-0.07 | ||
| Q4 25 | $1.21 | $0.20 | ||
| Q3 25 | $1.24 | $0.23 | ||
| Q2 25 | $1.17 | $0.05 | ||
| Q1 25 | $1.13 | $-0.03 | ||
| Q4 24 | $1.03 | $-0.01 | ||
| Q3 24 | $1.03 | $-0.07 | ||
| Q2 24 | $0.98 | $-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 | $72.9M | $472.9M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.3B | $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BCPCUPST
| Q1 26 | $72.9M | $472.9M | ||
| Q4 25 | $74.6M | $652.4M | ||
| Q3 25 | $65.1M | $489.8M | ||
| Q2 25 | $65.4M | $395.9M | ||
| Q1 25 | $49.9M | $599.8M | ||
| Q4 24 | $49.5M | $788.4M | ||
| Q3 24 | $73.7M | — | ||
| Q2 24 | $63.7M | — |
股东权益BCPCUPST
| Q1 26 | $1.3B | $733.2M | ||
| Q4 25 | $1.3B | $798.8M | ||
| Q3 25 | $1.3B | $743.7M | ||
| Q2 25 | $1.3B | $722.0M | ||
| Q1 25 | $1.2B | $676.6M | ||
| Q4 24 | $1.1B | $633.2M | ||
| Q3 24 | $1.2B | $595.5M | ||
| Q2 24 | $1.1B | $594.7M |
总资产BCPCUPST
| Q1 26 | $1.7B | $3.0B | ||
| Q4 25 | $1.7B | $3.0B | ||
| Q3 25 | $1.7B | $2.9B | ||
| Q2 25 | $1.7B | $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 |
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 | $40.1M | $-133.3M |
| 自由现金流经营现金流 - 资本支出 | $33.8M | — |
| 自由现金流率自由现金流/营收 | 12.5% | — |
| 资本支出强度资本支出/营收 | 2.3% | — |
| 现金转化率经营现金流/净利润 | 0.99× | — |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流BCPCUPST
| Q1 26 | $40.1M | $-133.3M | ||
| Q4 25 | $67.3M | $108.6M | ||
| Q3 25 | $65.6M | $-122.6M | ||
| Q2 25 | $47.3M | $-120.2M | ||
| Q1 25 | $36.5M | $-13.5M | ||
| Q4 24 | $52.3M | $-110.9M | ||
| Q3 24 | $51.3M | $179.3M | ||
| Q2 24 | $45.0M | $65.3M |
自由现金流BCPCUPST
| Q1 26 | $33.8M | — | ||
| Q4 25 | — | $108.4M | ||
| Q3 25 | — | $-122.7M | ||
| Q2 25 | — | $-120.3M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $179.2M | ||
| Q2 24 | — | $65.3M |
自由现金流率BCPCUPST
| Q1 26 | 12.5% | — | ||
| Q4 25 | — | 36.6% | ||
| Q3 25 | — | -44.3% | ||
| Q2 25 | — | -46.7% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 110.5% | ||
| Q2 24 | — | 51.1% |
资本支出强度BCPCUPST
| Q1 26 | 2.3% | — | ||
| Q4 25 | — | 0.1% | ||
| Q3 25 | — | 0.0% | ||
| Q2 25 | — | 0.0% | ||
| Q1 25 | — | 0.0% | ||
| Q4 24 | — | 0.0% | ||
| Q3 24 | — | 0.1% | ||
| Q2 24 | — | 0.0% |
现金转化率BCPCUPST
| Q1 26 | 0.99× | — | ||
| Q4 25 | 1.72× | 5.82× | ||
| Q3 25 | 1.63× | -3.86× | ||
| Q2 25 | 1.23× | -21.43× | ||
| Q1 25 | 0.98× | — | ||
| Q4 24 | 1.56× | — | ||
| Q3 24 | 1.52× | — | ||
| Q2 24 | 1.40× | — |
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
BCPC
暂无分部数据
UPST
| Platform and referral fees, net | $224.6M | 73% |
| Servicing and other fees, net | $52.4M | 17% |
| Other | $31.2M | 10% |
