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EAGLE MATERIALS INC（EXP）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
EAGLE MATERIALS INC的季度营收约是Upstart Holdings, Inc.的1.8倍（$556.0M vs $308.2M），EAGLE MATERIALS INC净利率更高（18.5% vs -2.2%，领先20.7%），Upstart Holdings, Inc.同比增速更快（44.4% vs -0.4%），过去两年Upstart Holdings, Inc.的营收复合增速更高（55.4% vs 8.0%）
Eagle Materials Inc.是总部位于美国得克萨斯州达拉斯的建筑材料生产企业，主营产品包括水泥、混凝土、建筑骨料、石膏、墙板、纸板以及水力压裂作业专用砂，产品广泛应用于建筑施工、能源开发等多个领域。
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。
EXP vs UPST — 直观对比
营收规模更大
EXP
是对方的1.8倍
$308.2M
营收增速更快
UPST
高出44.8%
-0.4%
净利率更高
EXP
高出20.7%
-2.2%
两年增速更快
UPST
近两年复合增速
8.0%
损益表 — Q3 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $556.0M | $308.2M |
| 净利润 | $102.9M | $-6.6M |
| 毛利率 | 28.9% | — |
| 营业利润率 | — | -2.4% |
| 净利率 | 18.5% | -2.2% |
| 营收同比 | -0.4% | 44.4% |
| 净利润同比 | -13.9% | -171.6% |
| 每股收益（稀释后） | $3.22 | $-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EXPUPST
| Q1 26 | — | $308.2M | ||
| Q4 25 | $556.0M | $296.1M | ||
| Q3 25 | $638.9M | $277.1M | ||
| Q2 25 | $634.7M | $257.3M | ||
| Q1 25 | $470.2M | $213.4M | ||
| Q4 24 | $558.0M | $219.0M | ||
| Q3 24 | $623.6M | $162.1M | ||
| Q2 24 | $608.7M | $127.6M |
净利润EXPUPST
| Q1 26 | — | $-6.6M | ||
| Q4 25 | $102.9M | $18.6M | ||
| Q3 25 | $137.4M | $31.8M | ||
| Q2 25 | $123.4M | $5.6M | ||
| Q1 25 | $66.5M | $-2.4M | ||
| Q4 24 | $119.6M | $-2.8M | ||
| Q3 24 | $143.5M | $-6.8M | ||
| Q2 24 | $133.8M | $-54.5M |
毛利率EXPUPST
| Q1 26 | — | — | ||
| Q4 25 | 28.9% | — | ||
| Q3 25 | 31.3% | — | ||
| Q2 25 | 29.2% | — | ||
| Q1 25 | 22.2% | — | ||
| Q4 24 | 31.9% | — | ||
| Q3 24 | 32.7% | — | ||
| Q2 24 | 30.7% | — |
营业利润率EXPUPST
| Q1 26 | — | -2.4% | ||
| Q4 25 | — | 6.4% | ||
| Q3 25 | — | 8.5% | ||
| Q2 25 | — | 1.8% | ||
| Q1 25 | — | -2.1% | ||
| Q4 24 | 32.8% | -2.2% | ||
| Q3 24 | 34.2% | -27.8% | ||
| Q2 24 | 32.0% | -43.5% |
净利率EXPUPST
| Q1 26 | — | -2.2% | ||
| Q4 25 | 18.5% | 6.3% | ||
| Q3 25 | 21.5% | 11.5% | ||
| Q2 25 | 19.4% | 2.2% | ||
| Q1 25 | 14.1% | -1.1% | ||
| Q4 24 | 21.4% | -1.3% | ||
| Q3 24 | 23.0% | -4.2% | ||
| Q2 24 | 22.0% | -42.7% |
每股收益（稀释后）EXPUPST
| Q1 26 | — | $-0.07 | ||
| Q4 25 | $3.22 | $0.20 | ||
| Q3 25 | $4.23 | $0.23 | ||
| Q2 25 | $3.76 | $0.05 | ||
| Q1 25 | $2.01 | $-0.03 | ||
| Q4 24 | $3.56 | $-0.01 | ||
| Q3 24 | $4.26 | $-0.07 | ||
| Q2 24 | $3.94 | $-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 | $419.0M | $472.9M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.5B | $733.2M |
| 总资产 | $3.8B | $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EXPUPST
| Q1 26 | — | $472.9M | ||
| Q4 25 | $419.0M | $652.4M | ||
| Q3 25 | $35.0M | $489.8M | ||
| Q2 25 | $59.7M | $395.9M | ||
| Q1 25 | $20.4M | $599.8M | ||
| Q4 24 | $31.2M | $788.4M | ||
| Q3 24 | $93.9M | — | ||
| Q2 24 | $46.5M | — |
总债务EXPUPST
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | $1.2B | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益EXPUPST
| Q1 26 | — | $733.2M | ||
| Q4 25 | $1.5B | $798.8M | ||
| Q3 25 | $1.5B | $743.7M | ||
| Q2 25 | $1.5B | $722.0M | ||
| Q1 25 | $1.5B | $676.6M | ||
| Q4 24 | $1.5B | $633.2M | ||
| Q3 24 | $1.4B | $595.5M | ||
| Q2 24 | $1.4B | $594.7M |
总资产EXPUPST
| Q1 26 | — | $3.0B | ||
| Q4 25 | $3.8B | $3.0B | ||
| Q3 25 | $3.4B | $2.9B | ||
| Q2 25 | $3.4B | $2.5B | ||
| Q1 25 | $3.3B | $2.3B | ||
| Q4 24 | $3.0B | $2.4B | ||
| Q3 24 | $3.1B | $1.8B | ||
| Q2 24 | $3.0B | $1.8B |
负债/权益比EXPUPST
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | 0.86× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 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 | $170.8M | $-133.3M |
| 自由现金流经营现金流 - 资本支出 | $60.8M | — |
| 自由现金流率自由现金流/营收 | 10.9% | — |
| 资本支出强度资本支出/营收 | 19.8% | — |
| 现金转化率经营现金流/净利润 | 1.66× | — |
| 过去12个月自由现金流最近4个季度 | $231.8M | — |
8季度趋势，按日历期对齐
经营现金流EXPUPST
| Q1 26 | — | $-133.3M | ||
| Q4 25 | $170.8M | $108.6M | ||
| Q3 25 | $204.6M | $-122.6M | ||
| Q2 25 | $136.6M | $-120.2M | ||
| Q1 25 | $62.8M | $-13.5M | ||
| Q4 24 | $119.9M | $-110.9M | ||
| Q3 24 | $233.3M | $179.3M | ||
| Q2 24 | $132.6M | $65.3M |
自由现金流EXPUPST
| Q1 26 | — | — | ||
| Q4 25 | $60.8M | $108.4M | ||
| Q3 25 | $96.1M | $-122.7M | ||
| Q2 25 | $60.5M | $-120.3M | ||
| Q1 25 | $14.5M | — | ||
| Q4 24 | $72.5M | — | ||
| Q3 24 | $166.8M | $179.2M | ||
| Q2 24 | $99.5M | $65.3M |
自由现金流率EXPUPST
| Q1 26 | — | — | ||
| Q4 25 | 10.9% | 36.6% | ||
| Q3 25 | 15.0% | -44.3% | ||
| Q2 25 | 9.5% | -46.7% | ||
| Q1 25 | 3.1% | — | ||
| Q4 24 | 13.0% | — | ||
| Q3 24 | 26.7% | 110.5% | ||
| Q2 24 | 16.3% | 51.1% |
资本支出强度EXPUPST
| Q1 26 | — | — | ||
| Q4 25 | 19.8% | 0.1% | ||
| Q3 25 | 17.0% | 0.0% | ||
| Q2 25 | 12.0% | 0.0% | ||
| Q1 25 | 10.3% | 0.0% | ||
| Q4 24 | 8.5% | 0.0% | ||
| Q3 24 | 10.7% | 0.1% | ||
| Q2 24 | 5.4% | 0.0% |
现金转化率EXPUPST
| Q1 26 | — | — | ||
| Q4 25 | 1.66× | 5.82× | ||
| Q3 25 | 1.49× | -3.86× | ||
| Q2 25 | 1.11× | -21.43× | ||
| Q1 25 | 0.94× | — | ||
| Q4 24 | 1.00× | — | ||
| Q3 24 | 1.63× | — | ||
| Q2 24 | 0.99× | — |
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
EXP
| External Customers | $283.5M | 51% |
| Gypsum Wallboard | $175.9M | 32% |
| Recycled Paperboard | $47.8M | 9% |
| Corporate Joint Venture | $29.4M | 5% |
| Other | $11.8M | 2% |
| Western Pennsylvania Acquisition | $7.6M | 1% |
UPST
| Platform and referral fees, net | $224.6M | 73% |
| Servicing and other fees, net | $52.4M | 17% |
| Other | $31.2M | 10% |
