vs
Custom Truck One Source, Inc.（CTOS）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
Custom Truck One Source, Inc.的季度营收约是Upstart Holdings, Inc.的1.4倍（$422.2M vs $296.1M），Upstart Holdings, Inc.净利率更高（6.3% vs -4.2%，领先10.5%），Upstart Holdings, Inc.同比增速更快（35.2% vs -8.5%），过去两年Upstart Holdings, Inc.的营收复合增速更高（52.2% vs 14.8%）
Custom Truck One Source是北美领先的专用重型卡车及设备解决方案提供商，业务覆盖定制车辆制造、设备销售与租赁、售后配件供应及维保服务，主要服务基建、公用事业、建筑、能源等核心领域。
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。
CTOS vs UPST — 直观对比
营收规模更大
CTOS
是对方的1.4倍
$296.1M
营收增速更快
UPST
高出43.8%
-8.5%
净利率更高
UPST
高出10.5%
-4.2%
两年增速更快
UPST
近两年复合增速
14.8%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $422.2M | $296.1M |
| 净利润 | $-17.8M | $18.6M |
| 毛利率 | 20.3% | — |
| 营业利润率 | 2.9% | 6.4% |
| 净利率 | -4.2% | 6.3% |
| 营收同比 | -8.5% | 35.2% |
| 净利润同比 | -333.7% | 776.4% |
| 每股收益（稀释后） | $-0.08 | $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CTOSUPST
| Q1 26 | $422.2M | — | ||
| Q4 25 | $387.3M | $296.1M | ||
| Q3 25 | $359.9M | $277.1M | ||
| Q2 25 | $392.2M | $257.3M | ||
| Q1 25 | $307.1M | $213.4M | ||
| Q4 24 | $398.3M | $219.0M | ||
| Q3 24 | $337.5M | $162.1M | ||
| Q2 24 | $320.6M | $127.6M |
净利润CTOSUPST
| Q1 26 | $-17.8M | — | ||
| Q4 25 | $20.9M | $18.6M | ||
| Q3 25 | $-5.8M | $31.8M | ||
| Q2 25 | $-28.4M | $5.6M | ||
| Q1 25 | $-17.8M | $-2.4M | ||
| Q4 24 | $27.6M | $-2.8M | ||
| Q3 24 | $-17.4M | $-6.8M | ||
| Q2 24 | $-24.5M | $-54.5M |
毛利率CTOSUPST
| Q1 26 | 20.3% | — | ||
| Q4 25 | 31.8% | — | ||
| Q3 25 | 28.0% | — | ||
| Q2 25 | 26.1% | — | ||
| Q1 25 | 27.9% | — | ||
| Q4 24 | 29.7% | — | ||
| Q3 24 | 27.2% | — | ||
| Q2 24 | 27.8% | — |
营业利润率CTOSUPST
| Q1 26 | 2.9% | — | ||
| Q4 25 | 13.4% | 6.4% | ||
| Q3 25 | 9.1% | 8.5% | ||
| Q2 25 | 7.1% | 1.8% | ||
| Q1 25 | 4.0% | -2.1% | ||
| Q4 24 | 16.9% | -2.2% | ||
| Q3 24 | 6.8% | -27.8% | ||
| Q2 24 | 5.5% | -43.5% |
净利率CTOSUPST
| Q1 26 | -4.2% | — | ||
| Q4 25 | 5.4% | 6.3% | ||
| Q3 25 | -1.6% | 11.5% | ||
| Q2 25 | -7.2% | 2.2% | ||
| Q1 25 | -5.8% | -1.1% | ||
| Q4 24 | 6.9% | -1.3% | ||
| Q3 24 | -5.2% | -4.2% | ||
| Q2 24 | -7.6% | -42.7% |
每股收益（稀释后）CTOSUPST
| Q1 26 | $-0.08 | — | ||
| Q4 25 | $0.10 | $0.20 | ||
| Q3 25 | $-0.03 | $0.23 | ||
| Q2 25 | $-0.13 | $0.05 | ||
| Q1 25 | $-0.08 | $-0.03 | ||
| Q4 24 | $0.11 | $-0.01 | ||
| Q3 24 | $-0.07 | $-0.07 | ||
| Q2 24 | $-0.10 | $-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 | $6.3M | $652.4M |
| 总债务越低越好 | $25.9M | — |
| 股东权益账面价值 | $809.1M | $798.8M |
| 总资产 | $3.4B | $3.0B |
| 负债/权益比越低杠杆越低 | 0.03× | — |
8季度趋势，按日历期对齐
现金及短期投资CTOSUPST
| Q1 26 | $6.3M | — | ||
| Q4 25 | $6.3M | $652.4M | ||
| Q3 25 | $13.1M | $489.8M | ||
| Q2 25 | $5.3M | $395.9M | ||
| Q1 25 | $5.4M | $599.8M | ||
| Q4 24 | $3.8M | $788.4M | ||
| Q3 24 | $8.4M | — | ||
| Q2 24 | $8.1M | — |
总债务CTOSUPST
| Q1 26 | $25.9M | — | ||
| Q4 25 | $1.6B | — | ||
| Q3 25 | $1.6B | — | ||
| Q2 25 | $1.6B | — | ||
| Q1 25 | $1.6B | — | ||
| Q4 24 | $1.5B | — | ||
| Q3 24 | $1.6B | — | ||
| Q2 24 | $1.5B | — |
股东权益CTOSUPST
| Q1 26 | $809.1M | — | ||
| Q4 25 | $809.1M | $798.8M | ||
| Q3 25 | $784.7M | $743.7M | ||
| Q2 25 | $790.1M | $722.0M | ||
| Q1 25 | $813.4M | $676.6M | ||
| Q4 24 | $861.3M | $633.2M | ||
| Q3 24 | $837.5M | $595.5M | ||
| Q2 24 | $856.7M | $594.7M |
总资产CTOSUPST
| Q1 26 | $3.4B | — | ||
| Q4 25 | $3.4B | $3.0B | ||
| Q3 25 | $3.5B | $2.9B | ||
| Q2 25 | $3.6B | $2.5B | ||
| Q1 25 | $3.5B | $2.3B | ||
| Q4 24 | $3.5B | $2.4B | ||
| Q3 24 | $3.6B | $1.8B | ||
| Q2 24 | $3.5B | $1.8B |
负债/权益比CTOSUPST
| Q1 26 | 0.03× | — | ||
| Q4 25 | 2.03× | — | ||
| Q3 25 | 2.10× | — | ||
| Q2 25 | 2.04× | — | ||
| Q1 25 | 1.97× | — | ||
| Q4 24 | 1.77× | — | ||
| Q3 24 | 1.87× | — | ||
| Q2 24 | 1.79× | — |
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 | — | $108.6M |
| 自由现金流经营现金流 - 资本支出 | — | $108.4M |
| 自由现金流率自由现金流/营收 | — | 36.6% |
| 资本支出强度资本支出/营收 | — | 0.1% |
| 现金转化率经营现金流/净利润 | — | 5.82× |
| 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CTOSUPST
| Q1 26 | — | — | ||
| Q4 25 | $47.3M | $108.6M | ||
| Q3 25 | $81.5M | $-122.6M | ||
| Q2 25 | $125.7M | $-120.2M | ||
| Q1 25 | $55.6M | $-13.5M | ||
| Q4 24 | $82.1M | $-110.9M | ||
| Q3 24 | $16.5M | $179.3M | ||
| Q2 24 | $37.8M | $65.3M |
自由现金流CTOSUPST
| Q1 26 | — | — | ||
| 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CTOSUPST
| Q1 26 | — | — | ||
| 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CTOSUPST
| Q1 26 | — | — | ||
| 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CTOSUPST
| Q1 26 | — | — | ||
| Q4 25 | 2.27× | 5.82× | ||
| Q3 25 | — | -3.86× | ||
| Q2 25 | — | -21.43× | ||
| Q1 25 | — | — | ||
| Q4 24 | 2.98× | — | ||
| Q3 24 | — | — | ||
| 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
CTOS
| Equipment sales | $273.9M | 65% |
| Rental revenue | $116.3M | 28% |
| Parts sales and services | $32.1M | 8% |
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% |
