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JBT Marel Corp（JBTM）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
JBT Marel Corp的季度营收约是Upstart Holdings, Inc.的3.4倍（$1.0B vs $296.1M），Upstart Holdings, Inc.净利率更高（6.3% vs 5.3%，领先1.0%），JBT Marel Corp同比增速更快（115.6% vs 35.2%），Upstart Holdings, Inc.自由现金流更多（$108.4M vs $83.5M），过去两年JBT Marel Corp的营收复合增速更高（60.3% vs 52.2%）
JBT Marel Corp（原称JBT公司、约翰宾技术公司）是主营食品加工机械及自动化车辆的企业，2008年由FMC技术公司拆分非能源业务独立注册成立，总部位于美国伊利诺伊州芝加哥，发展历史可追溯至1884年加州洛斯加托斯果园主约翰·宾创办的企业。
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。
JBTM vs UPST — 直观对比
营收规模更大
JBTM
是对方的3.4倍
$296.1M
营收增速更快
JBTM
高出80.3%
35.2%
净利率更高
UPST
高出1.0%
5.3%
自由现金流更多
UPST
多$24.9M
$83.5M
两年增速更快
JBTM
近两年复合增速
52.2%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.0B | $296.1M |
| 净利润 | $53.1M | $18.6M |
| 毛利率 | 34.5% | — |
| 营业利润率 | 7.2% | 6.4% |
| 净利率 | 5.3% | 6.3% |
| 营收同比 | 115.6% | 35.2% |
| 净利润同比 | 858.6% | 776.4% |
| 每股收益（稀释后） | $1.04 | $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JBTMUPST
| Q4 25 | $1.0B | $296.1M | ||
| Q3 25 | $1.0B | $277.1M | ||
| Q2 25 | $934.8M | $257.3M | ||
| Q1 25 | $854.1M | $213.4M | ||
| Q4 24 | $467.6M | $219.0M | ||
| Q3 24 | $453.8M | $162.1M | ||
| Q2 24 | $402.3M | $127.6M | ||
| Q1 24 | $392.3M | $127.8M |
净利润JBTMUPST
| Q4 25 | $53.1M | $18.6M | ||
| Q3 25 | $66.0M | $31.8M | ||
| Q2 25 | $3.4M | $5.6M | ||
| Q1 25 | $-173.0M | $-2.4M | ||
| Q4 24 | $-7.0M | $-2.8M | ||
| Q3 24 | $38.9M | $-6.8M | ||
| Q2 24 | $30.7M | $-54.5M | ||
| Q1 24 | $22.8M | $-64.6M |
毛利率JBTMUPST
| Q4 25 | 34.5% | — | ||
| Q3 25 | 35.9% | — | ||
| Q2 25 | 35.8% | — | ||
| Q1 25 | 34.2% | — | ||
| Q4 24 | 38.4% | — | ||
| Q3 24 | 36.1% | — | ||
| Q2 24 | 35.6% | — | ||
| Q1 24 | 35.8% | — |
营业利润率JBTMUPST
| Q4 25 | 7.2% | 6.4% | ||
| Q3 25 | 10.2% | 8.5% | ||
| Q2 25 | 5.2% | 1.8% | ||
| Q1 25 | -3.9% | -2.1% | ||
| Q4 24 | 3.4% | -2.2% | ||
| Q3 24 | 10.3% | -27.8% | ||
| Q2 24 | 6.7% | -43.5% | ||
| Q1 24 | 7.4% | -52.8% |
净利率JBTMUPST
| Q4 25 | 5.3% | 6.3% | ||
| Q3 25 | 6.6% | 11.5% | ||
| Q2 25 | 0.4% | 2.2% | ||
| Q1 25 | -20.3% | -1.1% | ||
| Q4 24 | -1.5% | -1.3% | ||
| Q3 24 | 8.6% | -4.2% | ||
| Q2 24 | 7.6% | -42.7% | ||
| Q1 24 | 5.8% | -50.5% |
每股收益（稀释后）JBTMUPST
| Q4 25 | $1.04 | $0.20 | ||
| Q3 25 | $1.26 | $0.23 | ||
| Q2 25 | $0.07 | $0.05 | ||
| Q1 25 | $-3.35 | $-0.03 | ||
| Q4 24 | $-0.22 | $-0.01 | ||
| Q3 24 | $1.21 | $-0.07 | ||
| Q2 24 | $0.95 | $-0.62 | ||
| Q1 24 | $0.71 | $-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 | $167.9M | $652.4M |
| 总债务越低越好 | $1.5B | — |
| 股东权益账面价值 | $4.5B | $798.8M |
| 总资产 | $8.2B | $3.0B |
| 负债/权益比越低杠杆越低 | 0.33× | — |
8季度趋势，按日历期对齐
现金及短期投资JBTMUPST
| Q4 25 | $167.9M | $652.4M | ||
| Q3 25 | — | $489.8M | ||
| Q2 25 | — | $395.9M | ||
| Q1 25 | — | $599.8M | ||
| Q4 24 | $1.2B | $788.4M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
总债务JBTMUPST
| Q4 25 | $1.5B | — | ||
| Q3 25 | $1.5B | — | ||
| Q2 25 | $1.5B | — | ||
| Q1 25 | $2.0B | — | ||
| Q4 24 | $1.3B | — | ||
| Q3 24 | $648.3M | — | ||
| Q2 24 | $647.7M | — | ||
| Q1 24 | $647.0M | — |
股东权益JBTMUPST
| Q4 25 | $4.5B | $798.8M | ||
| Q3 25 | $4.4B | $743.7M | ||
| Q2 25 | $4.4B | $722.0M | ||
| Q1 25 | $4.1B | $676.6M | ||
| Q4 24 | $1.5B | $633.2M | ||
| Q3 24 | $1.6B | $595.5M | ||
| Q2 24 | $1.5B | $594.7M | ||
| Q1 24 | $1.5B | $612.8M |
总资产JBTMUPST
| Q4 25 | $8.2B | $3.0B | ||
| Q3 25 | $8.2B | $2.9B | ||
| Q2 25 | $8.3B | $2.5B | ||
| Q1 25 | $8.0B | $2.3B | ||
| Q4 24 | $3.4B | $2.4B | ||
| Q3 24 | $2.8B | $1.8B | ||
| Q2 24 | $2.7B | $1.8B | ||
| Q1 24 | $2.7B | $1.9B |
负债/权益比JBTMUPST
| Q4 25 | 0.33× | — | ||
| Q3 25 | 0.34× | — | ||
| Q2 25 | 0.35× | — | ||
| Q1 25 | 0.48× | — | ||
| Q4 24 | 0.81× | — | ||
| Q3 24 | 0.41× | — | ||
| Q2 24 | 0.43× | — | ||
| Q1 24 | 0.43× | — |
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 | $117.4M | $108.6M |
| 自由现金流经营现金流 - 资本支出 | $83.5M | $108.4M |
| 自由现金流率自由现金流/营收 | 8.3% | 36.6% |
| 资本支出强度资本支出/营收 | 3.4% | 0.1% |
| 现金转化率经营现金流/净利润 | 2.21× | 5.82× |
| 过去12个月自由现金流最近4个季度 | $238.1M | — |
8季度趋势，按日历期对齐
经营现金流JBTMUPST
| Q4 25 | $117.4M | $108.6M | ||
| Q3 25 | $87.7M | $-122.6M | ||
| Q2 25 | $102.2M | $-120.2M | ||
| Q1 25 | $34.4M | $-13.5M | ||
| Q4 24 | $128.7M | $-110.9M | ||
| Q3 24 | $71.9M | $179.3M | ||
| Q2 24 | $21.6M | $65.3M | ||
| Q1 24 | $10.4M | $52.6M |
自由现金流JBTMUPST
| Q4 25 | $83.5M | $108.4M | ||
| Q3 25 | $56.5M | $-122.7M | ||
| Q2 25 | $83.7M | $-120.3M | ||
| Q1 25 | $14.4M | — | ||
| Q4 24 | $118.7M | — | ||
| Q3 24 | $65.0M | $179.2M | ||
| Q2 24 | $11.1M | $65.3M | ||
| Q1 24 | $-100.0K | $51.9M |
自由现金流率JBTMUPST
| Q4 25 | 8.3% | 36.6% | ||
| Q3 25 | 5.6% | -44.3% | ||
| Q2 25 | 9.0% | -46.7% | ||
| Q1 25 | 1.7% | — | ||
| Q4 24 | 25.4% | — | ||
| Q3 24 | 14.3% | 110.5% | ||
| Q2 24 | 2.8% | 51.1% | ||
| Q1 24 | -0.0% | 40.6% |
资本支出强度JBTMUPST
| Q4 25 | 3.4% | 0.1% | ||
| Q3 25 | 3.1% | 0.0% | ||
| Q2 25 | 2.0% | 0.0% | ||
| Q1 25 | 2.3% | 0.0% | ||
| Q4 24 | 2.1% | 0.0% | ||
| Q3 24 | 1.5% | 0.1% | ||
| Q2 24 | 2.6% | 0.0% | ||
| Q1 24 | 2.7% | 0.5% |
现金转化率JBTMUPST
| Q4 25 | 2.21× | 5.82× | ||
| Q3 25 | 1.33× | -3.86× | ||
| Q2 25 | 30.06× | -21.43× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 1.85× | — | ||
| Q2 24 | 0.70× | — | ||
| Q1 24 | 0.46× | — |
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
JBTM
暂无分部数据
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% |
