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GE医疗（CCRN）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GE医疗的1.3倍（$308.2M vs $236.8M），Upstart Holdings, Inc.净利率更高（-2.2% vs -35.0%，领先32.9%），Upstart Holdings, Inc.同比增速更快（44.4% vs -23.6%），过去两年Upstart Holdings, Inc.的营收复合增速更高（55.4% vs -21.0%）
GE医疗是总部位于美国伊利诺伊州芝加哥的医疗科技企业，品牌标识为GE HealthCare。公司主要业务分为四大板块：包含分子影像、CT、磁共振、妇科筛查及X光设备的医学影像业务、超声业务，以及聚焦远程患者监测、麻醉呼吸护理、心脏诊断、婴幼儿护理的患者护理解决方案业务，此外还开展医药相关业务。
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。
CCRN vs UPST — 直观对比
营收规模更大
UPST
是对方的1.3倍
$236.8M
营收增速更快
UPST
高出68.1%
-23.6%
净利率更高
UPST
高出32.9%
-35.0%
两年增速更快
UPST
近两年复合增速
-21.0%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $236.8M | $308.2M |
| 净利润 | $-82.9M | $-6.6M |
| 毛利率 | — | — |
| 营业利润率 | -30.2% | -2.4% |
| 净利率 | -35.0% | -2.2% |
| 营收同比 | -23.6% | 44.4% |
| 净利润同比 | -2109.7% | -171.6% |
| 每股收益（稀释后） | $-2.56 | $-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CCRNUPST
| Q1 26 | — | $308.2M | ||
| Q4 25 | $236.8M | $296.1M | ||
| Q3 25 | $250.1M | $277.1M | ||
| Q2 25 | $274.1M | $257.3M | ||
| Q1 25 | $293.4M | $213.4M | ||
| Q4 24 | $309.9M | $219.0M | ||
| Q3 24 | $315.1M | $162.1M | ||
| Q2 24 | $339.8M | $127.6M |
净利润CCRNUPST
| Q1 26 | — | $-6.6M | ||
| Q4 25 | $-82.9M | $18.6M | ||
| Q3 25 | $-4.8M | $31.8M | ||
| Q2 25 | $-6.7M | $5.6M | ||
| Q1 25 | $-490.0K | $-2.4M | ||
| Q4 24 | $-3.8M | $-2.8M | ||
| Q3 24 | $2.6M | $-6.8M | ||
| Q2 24 | $-16.1M | $-54.5M |
毛利率CCRNUPST
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 20.4% | — | ||
| Q2 25 | 20.4% | — | ||
| Q1 25 | 20.0% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 20.4% | — | ||
| Q2 24 | 20.8% | — |
营业利润率CCRNUPST
| Q1 26 | — | -2.4% | ||
| Q4 25 | -30.2% | 6.4% | ||
| Q3 25 | -2.4% | 8.5% | ||
| Q2 25 | -2.1% | 1.8% | ||
| Q1 25 | -0.3% | -2.1% | ||
| Q4 24 | -1.1% | -2.2% | ||
| Q3 24 | 0.9% | -27.8% | ||
| Q2 24 | -5.7% | -43.5% |
净利率CCRNUPST
| Q1 26 | — | -2.2% | ||
| Q4 25 | -35.0% | 6.3% | ||
| Q3 25 | -1.9% | 11.5% | ||
| Q2 25 | -2.4% | 2.2% | ||
| Q1 25 | -0.2% | -1.1% | ||
| Q4 24 | -1.2% | -1.3% | ||
| Q3 24 | 0.8% | -4.2% | ||
| Q2 24 | -4.7% | -42.7% |
每股收益（稀释后）CCRNUPST
| Q1 26 | — | $-0.07 | ||
| Q4 25 | $-2.56 | $0.20 | ||
| Q3 25 | $-0.15 | $0.23 | ||
| Q2 25 | $-0.20 | $0.05 | ||
| Q1 25 | $-0.02 | $-0.03 | ||
| Q4 24 | $-0.13 | $-0.01 | ||
| Q3 24 | $0.08 | $-0.07 | ||
| Q2 24 | $-0.47 | $-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 | $108.7M | $472.9M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $322.8M | $733.2M |
| 总资产 | $449.0M | $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CCRNUPST
| Q1 26 | — | $472.9M | ||
| Q4 25 | $108.7M | $652.4M | ||
| Q3 25 | $99.1M | $489.8M | ||
| Q2 25 | $81.2M | $395.9M | ||
| Q1 25 | $80.7M | $599.8M | ||
| Q4 24 | $81.6M | $788.4M | ||
| Q3 24 | $64.0M | — | ||
| Q2 24 | $69.6M | — |
股东权益CCRNUPST
| Q1 26 | — | $733.2M | ||
| Q4 25 | $322.8M | $798.8M | ||
| Q3 25 | $408.1M | $743.7M | ||
| Q2 25 | $412.2M | $722.0M | ||
| Q1 25 | $418.2M | $676.6M | ||
| Q4 24 | $419.0M | $633.2M | ||
| Q3 24 | $424.7M | $595.5M | ||
| Q2 24 | $433.3M | $594.7M |
总资产CCRNUPST
| Q1 26 | — | $3.0B | ||
| Q4 25 | $449.0M | $3.0B | ||
| Q3 25 | $538.2M | $2.9B | ||
| Q2 25 | $553.8M | $2.5B | ||
| Q1 25 | $576.2M | $2.3B | ||
| Q4 24 | $589.3M | $2.4B | ||
| Q3 24 | $597.4M | $1.8B | ||
| Q2 24 | $602.9M | $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 | $18.2M | $-133.3M |
| 自由现金流经营现金流 - 资本支出 | $16.1M | — |
| 自由现金流率自由现金流/营收 | 6.8% | — |
| 资本支出强度资本支出/营收 | 0.9% | — |
| 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 | $40.1M | — |
8季度趋势，按日历期对齐
经营现金流CCRNUPST
| Q1 26 | — | $-133.3M | ||
| Q4 25 | $18.2M | $108.6M | ||
| Q3 25 | $20.1M | $-122.6M | ||
| Q2 25 | $4.2M | $-120.2M | ||
| Q1 25 | $5.7M | $-13.5M | ||
| Q4 24 | $24.2M | $-110.9M | ||
| Q3 24 | $7.5M | $179.3M | ||
| Q2 24 | $82.4M | $65.3M |
自由现金流CCRNUPST
| Q1 26 | — | — | ||
| Q4 25 | $16.1M | $108.4M | ||
| Q3 25 | $17.9M | $-122.7M | ||
| Q2 25 | $2.3M | $-120.3M | ||
| Q1 25 | $3.8M | — | ||
| Q4 24 | $21.7M | — | ||
| Q3 24 | $6.3M | $179.2M | ||
| Q2 24 | $79.6M | $65.3M |
自由现金流率CCRNUPST
| Q1 26 | — | — | ||
| Q4 25 | 6.8% | 36.6% | ||
| Q3 25 | 7.2% | -44.3% | ||
| Q2 25 | 0.8% | -46.7% | ||
| Q1 25 | 1.3% | — | ||
| Q4 24 | 7.0% | — | ||
| Q3 24 | 2.0% | 110.5% | ||
| Q2 24 | 23.4% | 51.1% |
资本支出强度CCRNUPST
| Q1 26 | — | — | ||
| Q4 25 | 0.9% | 0.1% | ||
| Q3 25 | 0.9% | 0.0% | ||
| Q2 25 | 0.7% | 0.0% | ||
| Q1 25 | 0.6% | 0.0% | ||
| Q4 24 | 0.8% | 0.0% | ||
| Q3 24 | 0.4% | 0.1% | ||
| Q2 24 | 0.8% | 0.0% |
现金转化率CCRNUPST
| Q1 26 | — | — | ||
| Q4 25 | — | 5.82× | ||
| Q3 25 | — | -3.86× | ||
| Q2 25 | — | -21.43× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 2.92× | — | ||
| Q2 24 | — | — |
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
CCRN
| Temporary Staffing Services | $189.6M | 80% |
| Physician Staffing | $42.5M | 18% |
| Other Services | $4.7M | 2% |
UPST
| Platform and referral fees, net | $224.6M | 73% |
| Servicing and other fees, net | $52.4M | 17% |
| Other | $31.2M | 10% |
