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COMPASS MINERALS INTERNATIONAL INC（CMP）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
COMPASS MINERALS INTERNATIONAL INC的季度营收约是Upstart Holdings, Inc.的1.3倍（$396.1M vs $296.1M），Upstart Holdings, Inc.净利率更高（6.3% vs 4.7%，领先1.6%），Upstart Holdings, Inc.同比增速更快（35.2% vs 28.9%），Upstart Holdings, Inc.自由现金流更多（$108.4M vs $-59.8M），过去两年Upstart Holdings, Inc.的营收复合增速更高（52.2% vs 4.3%）
指南针矿产国际是一家美国上市矿产企业，总部位于堪萨斯州欧弗兰帕克，是盐、氯化镁和硫酸钾等产品的领先生产商。公司面向北美和英国客户供应经处理与未经处理的散装道路除冰盐，同时向全球种植者提供植物营养产品，此外也生产民用除冰、水质调节产品及相关商用产品。
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。
CMP vs UPST — 直观对比
营收规模更大
CMP
是对方的1.3倍
$296.1M
营收增速更快
UPST
高出6.3%
28.9%
净利率更高
UPST
高出1.6%
4.7%
自由现金流更多
UPST
多$168.2M
$-59.8M
两年增速更快
UPST
近两年复合增速
4.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $396.1M | $296.1M |
| 净利润 | $18.6M | $18.6M |
| 毛利率 | 16.0% | — |
| 营业利润率 | 9.2% | 6.4% |
| 净利率 | 4.7% | 6.3% |
| 营收同比 | 28.9% | 35.2% |
| 净利润同比 | 178.8% | 776.4% |
| 每股收益（稀释后） | $0.43 | $0.20 |
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CMPUPST
| Q4 25 | $396.1M | $296.1M | ||
| Q3 25 | $227.5M | $277.1M | ||
| Q2 25 | $214.6M | $257.3M | ||
| Q1 25 | $494.6M | $213.4M | ||
| Q4 24 | $307.2M | $219.0M | ||
| Q3 24 | $208.8M | $162.1M | ||
| Q2 24 | $202.9M | $127.6M | ||
| Q1 24 | $364.0M | $127.8M |
净利润CMPUPST
| Q4 25 | $18.6M | $18.6M | ||
| Q3 25 | $-7.2M | $31.8M | ||
| Q2 25 | $-17.0M | $5.6M | ||
| Q1 25 | $-32.0M | $-2.4M | ||
| Q4 24 | $-23.6M | $-2.8M | ||
| Q3 24 | $-48.3M | $-6.8M | ||
| Q2 24 | $-43.6M | $-54.5M | ||
| Q1 24 | $-38.9M | $-64.6M |
毛利率CMPUPST
| Q4 25 | 16.0% | — | ||
| Q3 25 | 16.9% | — | ||
| Q2 25 | 19.2% | — | ||
| Q1 25 | 15.5% | — | ||
| Q4 24 | 11.2% | — | ||
| Q3 24 | 9.3% | — | ||
| Q2 24 | 16.1% | — | ||
| Q1 24 | 19.7% | — |
营业利润率CMPUPST
| Q4 25 | 9.2% | 6.4% | ||
| Q3 25 | 5.3% | 8.5% | ||
| Q2 25 | 7.4% | 1.8% | ||
| Q1 25 | -0.6% | -2.1% | ||
| Q4 24 | 0.2% | -2.2% | ||
| Q3 24 | -14.3% | -27.8% | ||
| Q2 24 | 2.9% | -43.5% | ||
| Q1 24 | -10.8% | -52.8% |
净利率CMPUPST
| Q4 25 | 4.7% | 6.3% | ||
| Q3 25 | -3.2% | 11.5% | ||
| Q2 25 | -7.9% | 2.2% | ||
| Q1 25 | -6.5% | -1.1% | ||
| Q4 24 | -7.7% | -1.3% | ||
| Q3 24 | -23.1% | -4.2% | ||
| Q2 24 | -21.5% | -42.7% | ||
| Q1 24 | -10.7% | -50.5% |
每股收益（稀释后）CMPUPST
| Q4 25 | $0.43 | $0.20 | ||
| Q3 25 | — | $0.23 | ||
| Q2 25 | $-0.41 | $0.05 | ||
| Q1 25 | $-0.77 | $-0.03 | ||
| Q4 24 | $-0.57 | $-0.01 | ||
| Q3 24 | $-1.17 | $-0.07 | ||
| Q2 24 | $-1.05 | $-0.62 | ||
| Q1 24 | $-0.94 | $-0.74 |
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 | $46.7M | $652.4M |
| 总债务越低越好 | $890.0M | — |
| 股东权益账面价值 | $260.5M | $798.8M |
| 总资产 | $1.5B | $3.0B |
| 负债/权益比越低杠杆越低 | 3.42× | — |
8季度趋势，按日历期对齐
现金及短期投资CMPUPST
| Q4 25 | $46.7M | $652.4M | ||
| Q3 25 | $59.7M | $489.8M | ||
| Q2 25 | $79.4M | $395.9M | ||
| Q1 25 | $49.5M | $599.8M | ||
| Q4 24 | $45.8M | $788.4M | ||
| Q3 24 | $20.2M | — | ||
| Q2 24 | $12.8M | — | ||
| Q1 24 | $38.3M | — |
总债务CMPUPST
| Q4 25 | $890.0M | — | ||
| Q3 25 | $839.8M | — | ||
| Q2 25 | $833.4M | — | ||
| Q1 25 | $807.6M | — | ||
| Q4 24 | $974.4M | — | ||
| Q3 24 | $921.2M | — | ||
| Q2 24 | $875.1M | — | ||
| Q1 24 | $877.2M | — |
股东权益CMPUPST
| Q4 25 | $260.5M | $798.8M | ||
| Q3 25 | $234.1M | $743.7M | ||
| Q2 25 | $249.8M | $722.0M | ||
| Q1 25 | $236.5M | $676.6M | ||
| Q4 24 | $263.0M | $633.2M | ||
| Q3 24 | $316.6M | $595.5M | ||
| Q2 24 | $352.1M | $594.7M | ||
| Q1 24 | $400.4M | $612.8M |
总资产CMPUPST
| Q4 25 | $1.5B | $3.0B | ||
| Q3 25 | $1.5B | $2.9B | ||
| Q2 25 | $1.5B | $2.5B | ||
| Q1 25 | $1.5B | $2.3B | ||
| Q4 24 | $1.7B | $2.4B | ||
| Q3 24 | $1.6B | $1.8B | ||
| Q2 24 | $1.6B | $1.8B | ||
| Q1 24 | $1.7B | $1.9B |
负债/权益比CMPUPST
| Q4 25 | 3.42× | — | ||
| Q3 25 | 3.59× | — | ||
| Q2 25 | 3.34× | — | ||
| Q1 25 | 3.41× | — | ||
| Q4 24 | 3.70× | — | ||
| Q3 24 | 2.91× | — | ||
| Q2 24 | 2.49× | — | ||
| Q1 24 | 2.19× | — |
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 | $-37.0M | $108.6M |
| 自由现金流经营现金流 - 资本支出 | $-59.8M | $108.4M |
| 自由现金流率自由现金流/营收 | -15.1% | 36.6% |
| 资本支出强度资本支出/营收 | 5.8% | 0.1% |
| 现金转化率经营现金流/净利润 | -1.99× | 5.82× |
| 过去12个月自由现金流最近4个季度 | $94.1M | — |
8季度趋势，按日历期对齐
经营现金流CMPUPST
| Q4 25 | $-37.0M | $108.6M | ||
| Q3 25 | $-6.9M | $-122.6M | ||
| Q2 25 | $21.8M | $-120.2M | ||
| Q1 25 | $186.9M | $-13.5M | ||
| Q4 24 | $-4.1M | $-110.9M | ||
| Q3 24 | $-12.7M | $179.3M | ||
| Q2 24 | $-6.8M | $65.3M | ||
| Q1 24 | $86.2M | $52.6M |
自由现金流CMPUPST
| Q4 25 | $-59.8M | $108.4M | ||
| Q3 25 | $-22.8M | $-122.7M | ||
| Q2 25 | $3.8M | $-120.3M | ||
| Q1 25 | $172.9M | — | ||
| Q4 24 | $-25.9M | — | ||
| Q3 24 | $-33.6M | $179.2M | ||
| Q2 24 | $-21.5M | $65.3M | ||
| Q1 24 | $56.2M | $51.9M |
自由现金流率CMPUPST
| Q4 25 | -15.1% | 36.6% | ||
| Q3 25 | -10.0% | -44.3% | ||
| Q2 25 | 1.8% | -46.7% | ||
| Q1 25 | 35.0% | — | ||
| Q4 24 | -8.4% | — | ||
| Q3 24 | -16.1% | 110.5% | ||
| Q2 24 | -10.6% | 51.1% | ||
| Q1 24 | 15.4% | 40.6% |
资本支出强度CMPUPST
| Q4 25 | 5.8% | 0.1% | ||
| Q3 25 | 7.0% | 0.0% | ||
| Q2 25 | 8.4% | 0.0% | ||
| Q1 25 | 2.8% | 0.0% | ||
| Q4 24 | 7.1% | 0.0% | ||
| Q3 24 | 10.0% | 0.1% | ||
| Q2 24 | 7.2% | 0.0% | ||
| Q1 24 | 8.2% | 0.5% |
现金转化率CMPUPST
| Q4 25 | -1.99× | 5.82× | ||
| Q3 25 | — | -3.86× | ||
| Q2 25 | — | -21.43× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 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
CMP
| Highway Deicing Salt | $210.8M | 53% |
| Consumer Industrial Salt | $120.7M | 30% |
| Plant Nutrition | $60.8M | 15% |
| Transferred Over Time | $2.8M | 1% |
| Other | $1.0M | 0% |
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% |
