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Concentra Group Holdings Parent, Inc.（CON）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
Concentra Group Holdings Parent, Inc.的季度营收约是Upstart Holdings, Inc.的1.8倍（$539.1M vs $296.1M），Concentra Group Holdings Parent, Inc.净利率更高（6.4% vs 6.3%，领先0.1%），Upstart Holdings, Inc.自由现金流更多（$108.4M vs $98.5M）
Concentra是美国的职业医疗服务商，1979年成立于得克萨斯州阿马里洛，总部位于得克萨斯州艾迪生。业务覆盖美国47个州，运营627家职业医疗中心和410个雇主驻地现场诊所，美国每7起职业伤害案例中就有1起由该机构提供诊疗服务。
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。
CON vs UPST — 直观对比
营收规模更大
CON
是对方的1.8倍
$296.1M
净利率更高
CON
高出0.1%
6.3%
自由现金流更多
UPST
多$9.9M
$98.5M
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $539.1M | $296.1M |
| 净利润 | $34.7M | $18.6M |
| 毛利率 | — | — |
| 营业利润率 | 12.9% | 6.4% |
| 净利率 | 6.4% | 6.3% |
| 营收同比 | — | 35.2% |
| 净利润同比 | — | 776.4% |
| 每股收益（稀释后） | $0.27 | $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CONUPST
| Q4 25 | $539.1M | $296.1M | ||
| Q3 25 | $572.8M | $277.1M | ||
| Q2 25 | $550.8M | $257.3M | ||
| Q1 25 | $500.8M | $213.4M | ||
| Q4 24 | — | $219.0M | ||
| Q3 24 | $489.6M | $162.1M | ||
| Q2 24 | $477.9M | $127.6M | ||
| Q1 24 | — | $127.8M |
净利润CONUPST
| Q4 25 | $34.7M | $18.6M | ||
| Q3 25 | $48.3M | $31.8M | ||
| Q2 25 | $44.6M | $5.6M | ||
| Q1 25 | $38.9M | $-2.4M | ||
| Q4 24 | — | $-2.8M | ||
| Q3 24 | $44.3M | $-6.8M | ||
| Q2 24 | $51.7M | $-54.5M | ||
| Q1 24 | — | $-64.6M |
营业利润率CONUPST
| Q4 25 | 12.9% | 6.4% | ||
| Q3 25 | 16.5% | 8.5% | ||
| Q2 25 | 16.3% | 1.8% | ||
| Q1 25 | 16.0% | -2.1% | ||
| Q4 24 | — | -2.2% | ||
| Q3 24 | 17.6% | -27.8% | ||
| Q2 24 | 17.6% | -43.5% | ||
| Q1 24 | — | -52.8% |
净利率CONUPST
| Q4 25 | 6.4% | 6.3% | ||
| Q3 25 | 8.4% | 11.5% | ||
| Q2 25 | 8.1% | 2.2% | ||
| Q1 25 | 7.8% | -1.1% | ||
| Q4 24 | — | -1.3% | ||
| Q3 24 | 9.1% | -4.2% | ||
| Q2 24 | 10.8% | -42.7% | ||
| Q1 24 | — | -50.5% |
每股收益（稀释后）CONUPST
| Q4 25 | $0.27 | $0.20 | ||
| Q3 25 | $0.38 | $0.23 | ||
| Q2 25 | $0.35 | $0.05 | ||
| Q1 25 | $0.30 | $-0.03 | ||
| Q4 24 | — | $-0.01 | ||
| Q3 24 | $0.37 | $-0.07 | ||
| Q2 24 | $0.50 | $-0.62 | ||
| Q1 24 | — | $-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 | $79.9M | $652.4M |
| 总债务越低越好 | $1.6B | — |
| 股东权益账面价值 | $393.3M | $798.8M |
| 总资产 | $2.9B | $3.0B |
| 负债/权益比越低杠杆越低 | 3.98× | — |
8季度趋势，按日历期对齐
现金及短期投资CONUPST
| Q4 25 | $79.9M | $652.4M | ||
| Q3 25 | $49.9M | $489.8M | ||
| Q2 25 | $73.9M | $395.9M | ||
| Q1 25 | $52.1M | $599.8M | ||
| Q4 24 | — | $788.4M | ||
| Q3 24 | $136.8M | — | ||
| Q2 24 | $50.7M | — | ||
| Q1 24 | — | — |
总债务CONUPST
| Q4 25 | $1.6B | — | ||
| Q3 25 | $1.6B | — | ||
| Q2 25 | $1.7B | — | ||
| Q1 25 | $1.6B | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $1.5B | — | ||
| Q2 24 | $3.0M | — | ||
| Q1 24 | — | — |
股东权益CONUPST
| Q4 25 | $393.3M | $798.8M | ||
| Q3 25 | $385.5M | $743.7M | ||
| Q2 25 | $342.6M | $722.0M | ||
| Q1 25 | $307.1M | $676.6M | ||
| Q4 24 | — | $633.2M | ||
| Q3 24 | $277.8M | $595.5M | ||
| Q2 24 | $1.2B | $594.7M | ||
| Q1 24 | — | $612.8M |
总资产CONUPST
| Q4 25 | $2.9B | $3.0B | ||
| Q3 25 | $2.8B | $2.9B | ||
| Q2 25 | $2.8B | $2.5B | ||
| Q1 25 | $2.7B | $2.3B | ||
| Q4 24 | — | $2.4B | ||
| Q3 24 | $2.5B | $1.8B | ||
| Q2 24 | $2.4B | $1.8B | ||
| Q1 24 | — | $1.9B |
负债/权益比CONUPST
| Q4 25 | 3.98× | — | ||
| Q3 25 | 4.15× | — | ||
| Q2 25 | 4.82× | — | ||
| Q1 25 | 5.27× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 5.30× | — | ||
| Q2 24 | 0.00× | — | ||
| Q1 24 | — | — |
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 | $118.7M | $108.6M |
| 自由现金流经营现金流 - 资本支出 | $98.5M | $108.4M |
| 自由现金流率自由现金流/营收 | 18.3% | 36.6% |
| 资本支出强度资本支出/营收 | 3.7% | 0.1% |
| 现金转化率经营现金流/净利润 | 3.42× | 5.82× |
| 过去12个月自由现金流最近4个季度 | $197.1M | — |
8季度趋势，按日历期对齐
经营现金流CONUPST
| Q4 25 | $118.7M | $108.6M | ||
| Q3 25 | $60.6M | $-122.6M | ||
| Q2 25 | $88.4M | $-120.2M | ||
| Q1 25 | $11.7M | $-13.5M | ||
| Q4 24 | — | $-110.9M | ||
| Q3 24 | $65.9M | $179.3M | ||
| Q2 24 | — | $65.3M | ||
| Q1 24 | — | $52.6M |
自由现金流CONUPST
| Q4 25 | $98.5M | $108.4M | ||
| Q3 25 | $39.4M | $-122.7M | ||
| Q2 25 | $63.2M | $-120.3M | ||
| Q1 25 | $-4.0M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $50.8M | $179.2M | ||
| Q2 24 | — | $65.3M | ||
| Q1 24 | — | $51.9M |
自由现金流率CONUPST
| Q4 25 | 18.3% | 36.6% | ||
| Q3 25 | 6.9% | -44.3% | ||
| Q2 25 | 11.5% | -46.7% | ||
| Q1 25 | -0.8% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 10.4% | 110.5% | ||
| Q2 24 | — | 51.1% | ||
| Q1 24 | — | 40.6% |
资本支出强度CONUPST
| Q4 25 | 3.7% | 0.1% | ||
| Q3 25 | 3.7% | 0.0% | ||
| Q2 25 | 4.6% | 0.0% | ||
| Q1 25 | 3.1% | 0.0% | ||
| Q4 24 | — | 0.0% | ||
| Q3 24 | 3.1% | 0.1% | ||
| Q2 24 | — | 0.0% | ||
| Q1 24 | — | 0.5% |
现金转化率CONUPST
| Q4 25 | 3.42× | 5.82× | ||
| Q3 25 | 1.26× | -3.86× | ||
| Q2 25 | 1.98× | -21.43× | ||
| Q1 25 | 0.30× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 1.49× | — | ||
| 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
CON
| Occupational Health Center Workers Compensation | $328.5M | 61% |
| Occupational Health Center Employer Services | $151.9M | 28% |
| Onsite Health Clinics | $36.2M | 7% |
| Other Businesses | $12.3M | 2% |
| Occupational Health Center Consumer Health | $8.1M | 2% |
| Occupational Health Center Other | $2.1M | 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% |
