vs
Kosmos Energy Ltd.（KOS）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
Upstart Holdings, Inc.的季度营收约是Kosmos Energy Ltd.的1.0倍（$296.1M vs $294.6M），Upstart Holdings, Inc.同比增速更快（35.2% vs -25.9%），过去两年Upstart Holdings, Inc.的营收复合增速更高（52.2% vs -16.5%）
科斯莫斯能源是一家美国上游石油企业，总部位于得克萨斯州达拉斯。公司目前在加纳、赤道几内亚近海以及墨西哥湾开展油气生产与开发业务，在毛里塔尼亚、塞内加尔近海拥有开发项目，还在纳米比亚、圣多美和普林西比、苏里南近海持有勘探许可。
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。
KOS vs UPST — 直观对比
营收规模更大
UPST
是对方的1.0倍
$294.6M
营收增速更快
UPST
高出61.1%
-25.9%
两年增速更快
UPST
近两年复合增速
-16.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $294.6M | $296.1M |
| 净利润 | — | $18.6M |
| 毛利率 | — | — |
| 营业利润率 | -125.7% | 6.4% |
| 净利率 | — | 6.3% |
| 营收同比 | -25.9% | 35.2% |
| 净利润同比 | — | 776.4% |
| 每股收益（稀释后） | $-0.80 | $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KOSUPST
| Q4 25 | $294.6M | $296.1M | ||
| Q3 25 | $311.0M | $277.1M | ||
| Q2 25 | $392.6M | $257.3M | ||
| Q1 25 | $290.1M | $213.4M | ||
| Q4 24 | $397.6M | $219.0M | ||
| Q3 24 | $407.8M | $162.1M | ||
| Q2 24 | $447.8M | $127.6M | ||
| Q1 24 | $422.3M | $127.8M |
净利润KOSUPST
| Q4 25 | — | $18.6M | ||
| Q3 25 | $-124.3M | $31.8M | ||
| Q2 25 | $-87.7M | $5.6M | ||
| Q1 25 | $-110.6M | $-2.4M | ||
| Q4 24 | — | $-2.8M | ||
| Q3 24 | $45.0M | $-6.8M | ||
| Q2 24 | $59.8M | $-54.5M | ||
| Q1 24 | $91.7M | $-64.6M |
营业利润率KOSUPST
| Q4 25 | -125.7% | 6.4% | ||
| Q3 25 | -34.2% | 8.5% | ||
| Q2 25 | -16.2% | 1.8% | ||
| Q1 25 | -32.4% | -2.1% | ||
| Q4 24 | -8.5% | -2.2% | ||
| Q3 24 | 26.1% | -27.8% | ||
| Q2 24 | 30.2% | -43.5% | ||
| Q1 24 | 33.6% | -52.8% |
净利率KOSUPST
| Q4 25 | — | 6.3% | ||
| Q3 25 | -40.0% | 11.5% | ||
| Q2 25 | -22.3% | 2.2% | ||
| Q1 25 | -38.1% | -1.1% | ||
| Q4 24 | — | -1.3% | ||
| Q3 24 | 11.0% | -4.2% | ||
| Q2 24 | 13.3% | -42.7% | ||
| Q1 24 | 21.7% | -50.5% |
每股收益（稀释后）KOSUPST
| Q4 25 | $-0.80 | $0.20 | ||
| Q3 25 | $-0.26 | $0.23 | ||
| Q2 25 | $-0.18 | $0.05 | ||
| Q1 25 | $-0.23 | $-0.03 | ||
| Q4 24 | $0.00 | $-0.01 | ||
| Q3 24 | $0.09 | $-0.07 | ||
| Q2 24 | $0.12 | $-0.62 | ||
| Q1 24 | $0.19 | $-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 | $91.5M | $652.4M |
| 总债务越低越好 | $3.1B | — |
| 股东权益账面价值 | $528.6M | $798.8M |
| 总资产 | $4.7B | $3.0B |
| 负债/权益比越低杠杆越低 | 5.78× | — |
8季度趋势，按日历期对齐
现金及短期投资KOSUPST
| Q4 25 | $91.5M | $652.4M | ||
| Q3 25 | $64.0M | $489.8M | ||
| Q2 25 | $51.7M | $395.9M | ||
| Q1 25 | $49.8M | $599.8M | ||
| Q4 24 | $85.0M | $788.4M | ||
| Q3 24 | $51.6M | — | ||
| Q2 24 | $173.8M | — | ||
| Q1 24 | $254.3M | — |
总债务KOSUPST
| Q4 25 | $3.1B | — | ||
| Q3 25 | $3.0B | — | ||
| Q2 25 | $2.9B | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $2.7B | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益KOSUPST
| Q4 25 | $528.6M | $798.8M | ||
| Q3 25 | $898.8M | $743.7M | ||
| Q2 25 | $1.0B | $722.0M | ||
| Q1 25 | $1.1B | $676.6M | ||
| Q4 24 | $1.2B | $633.2M | ||
| Q3 24 | $1.2B | $595.5M | ||
| Q2 24 | $1.1B | $594.7M | ||
| Q1 24 | $1.1B | $612.8M |
总资产KOSUPST
| Q4 25 | $4.7B | $3.0B | ||
| Q3 25 | $5.1B | $2.9B | ||
| Q2 25 | $5.2B | $2.5B | ||
| Q1 25 | $5.3B | $2.3B | ||
| Q4 24 | $5.3B | $2.4B | ||
| Q3 24 | $5.5B | $1.8B | ||
| Q2 24 | $5.4B | $1.8B | ||
| Q1 24 | $5.4B | $1.9B |
负债/权益比KOSUPST
| Q4 25 | 5.78× | — | ||
| Q3 25 | 3.31× | — | ||
| Q2 25 | 2.80× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 2.29× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| 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 | $35.3M | $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KOSUPST
| Q4 25 | $35.3M | $108.6M | ||
| Q3 25 | $-27.6M | $-122.6M | ||
| Q2 25 | $127.2M | $-120.2M | ||
| Q1 25 | $-888.0K | $-13.5M | ||
| Q4 24 | $175.7M | $-110.9M | ||
| Q3 24 | $6.3M | $179.3M | ||
| Q2 24 | $223.7M | $65.3M | ||
| Q1 24 | $272.6M | $52.6M |
自由现金流KOSUPST
| Q4 25 | — | $108.4M | ||
| Q3 25 | — | $-122.7M | ||
| Q2 25 | — | $-120.3M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $179.2M | ||
| Q2 24 | — | $65.3M | ||
| Q1 24 | — | $51.9M |
自由现金流率KOSUPST
| Q4 25 | — | 36.6% | ||
| Q3 25 | — | -44.3% | ||
| Q2 25 | — | -46.7% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 110.5% | ||
| Q2 24 | — | 51.1% | ||
| Q1 24 | — | 40.6% |
资本支出强度KOSUPST
| 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% | ||
| Q1 24 | — | 0.5% |
现金转化率KOSUPST
| Q4 25 | — | 5.82× | ||
| Q3 25 | — | -3.86× | ||
| Q2 25 | — | -21.43× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.14× | — | ||
| Q2 24 | 3.74× | — | ||
| Q1 24 | 2.97× | — |
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
KOS
| Ghana Segment | $134.6M | 46% |
| Gulf Of America | $80.7M | 27% |
| Mauritania And Senegal | $54.9M | 19% |
| Equatorial Guinea Segment | $24.3M | 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% |
