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Natural Grocers by Vitamin Cottage, Inc.（NGVC）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
Natural Grocers by Vitamin Cottage, Inc.的季度营收约是Upstart Holdings, Inc.的1.1倍（$335.6M vs $296.1M），Upstart Holdings, Inc.净利率更高（6.3% vs 3.4%，领先2.9%），Upstart Holdings, Inc.同比增速更快（35.2% vs 1.6%），Upstart Holdings, Inc.自由现金流更多（$108.4M vs $11.6M），过去两年Upstart Holdings, Inc.的营收复合增速更高（52.2% vs 4.4%）
Natural Grocers by Vitamin Cottage, Inc.是美国本土的特色零售连锁企业，主营认证有机食品、膳食补充剂、天然个护及环保家居类产品，面向健康意识较强的消费群体，门店覆盖美国多州，执行严格品控标准，拒绝售卖含人工添加剂的商品。
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。
NGVC vs UPST — 直观对比
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $335.6M | $296.1M |
| 净利润 | $11.3M | $18.6M |
| 毛利率 | 29.5% | — |
| 营业利润率 | 4.4% | 6.4% |
| 净利率 | 3.4% | 6.3% |
| 营收同比 | 1.6% | 35.2% |
| 净利润同比 | 14.0% | 776.4% |
| 每股收益（稀释后） | $0.49 | $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
| Q4 25 | $335.6M | $296.1M | ||
| Q3 25 | $336.1M | $277.1M | ||
| Q2 25 | $328.7M | $257.3M | ||
| Q1 25 | $335.8M | $213.4M | ||
| Q4 24 | $330.2M | $219.0M | ||
| Q3 24 | $322.7M | $162.1M | ||
| Q2 24 | $309.1M | $127.6M | ||
| Q1 24 | $308.1M | $127.8M |
| Q4 25 | $11.3M | $18.6M | ||
| Q3 25 | $11.8M | $31.8M | ||
| Q2 25 | $11.6M | $5.6M | ||
| Q1 25 | $13.1M | $-2.4M | ||
| Q4 24 | $9.9M | $-2.8M | ||
| Q3 24 | $9.0M | $-6.8M | ||
| Q2 24 | $9.2M | $-54.5M | ||
| Q1 24 | $8.0M | $-64.6M |
| Q4 25 | 29.5% | — | ||
| Q3 25 | 29.5% | — | ||
| Q2 25 | 29.9% | — | ||
| Q1 25 | 30.3% | — | ||
| Q4 24 | 29.9% | — | ||
| Q3 24 | 29.6% | — | ||
| Q2 24 | 29.2% | — | ||
| Q1 24 | 29.3% | — |
| Q4 25 | 4.4% | 6.4% | ||
| Q3 25 | 4.6% | 8.5% | ||
| Q2 25 | 4.7% | 1.8% | ||
| Q1 25 | 5.2% | -2.1% | ||
| Q4 24 | 4.0% | -2.2% | ||
| Q3 24 | 3.7% | -27.8% | ||
| Q2 24 | 4.2% | -43.5% | ||
| Q1 24 | 3.7% | -52.8% |
| Q4 25 | 3.4% | 6.3% | ||
| Q3 25 | 3.5% | 11.5% | ||
| Q2 25 | 3.5% | 2.2% | ||
| Q1 25 | 3.9% | -1.1% | ||
| Q4 24 | 3.0% | -1.3% | ||
| Q3 24 | 2.8% | -4.2% | ||
| Q2 24 | 3.0% | -42.7% | ||
| Q1 24 | 2.6% | -50.5% |
| Q4 25 | $0.49 | $0.20 | ||
| Q3 25 | $0.51 | $0.23 | ||
| Q2 25 | $0.50 | $0.05 | ||
| Q1 25 | $0.56 | $-0.03 | ||
| Q4 24 | $0.43 | $-0.01 | ||
| Q3 24 | $0.38 | $-0.07 | ||
| Q2 24 | $0.40 | $-0.62 | ||
| Q1 24 | $0.35 | $-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 | $23.2M | $652.4M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $220.0M | $798.8M |
| 总资产 | $668.6M | $3.0B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
| Q4 25 | $23.2M | $652.4M | ||
| Q3 25 | $17.1M | $489.8M | ||
| Q2 25 | $13.2M | $395.9M | ||
| Q1 25 | $21.2M | $599.8M | ||
| Q4 24 | $6.3M | $788.4M | ||
| Q3 24 | $8.9M | — | ||
| Q2 24 | $13.9M | — | ||
| Q1 24 | $11.0M | — |
| Q4 25 | $220.0M | $798.8M | ||
| Q3 25 | $212.4M | $743.7M | ||
| Q2 25 | $202.5M | $722.0M | ||
| Q1 25 | $193.0M | $676.6M | ||
| Q4 24 | $181.9M | $633.2M | ||
| Q3 24 | $174.3M | $595.5M | ||
| Q2 24 | $167.8M | $594.7M | ||
| Q1 24 | $160.0M | $612.8M |
| Q4 25 | $668.6M | $3.0B | ||
| Q3 25 | $670.5M | $2.9B | ||
| Q2 25 | $659.0M | $2.5B | ||
| Q1 25 | $664.6M | $2.3B | ||
| Q4 24 | $648.9M | $2.4B | ||
| Q3 24 | $655.5M | $1.8B | ||
| Q2 24 | $654.4M | $1.8B | ||
| Q1 24 | $656.6M | $1.9B |
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 | $21.1M | $108.6M |
| 自由现金流经营现金流 - 资本支出 | $11.6M | $108.4M |
| 自由现金流率自由现金流/营收 | 3.4% | 36.6% |
| 资本支出强度资本支出/营收 | 2.9% | 0.1% |
| 现金转化率经营现金流/净利润 | 1.86× | 5.82× |
| 过去12个月自由现金流最近4个季度 | $42.6M | — |
8季度趋势，按日历期对齐
| Q4 25 | $21.1M | $108.6M | ||
| Q3 25 | $15.6M | $-122.6M | ||
| Q2 25 | $2.9M | $-120.2M | ||
| Q1 25 | $34.1M | $-13.5M | ||
| Q4 24 | $2.7M | $-110.9M | ||
| Q3 24 | $24.5M | $179.3M | ||
| Q2 24 | $12.4M | $65.3M | ||
| Q1 24 | $20.2M | $52.6M |
| Q4 25 | $11.6M | $108.4M | ||
| Q3 25 | $7.5M | $-122.7M | ||
| Q2 25 | $-4.2M | $-120.3M | ||
| Q1 25 | $27.6M | — | ||
| Q4 24 | $-6.9M | — | ||
| Q3 24 | $18.0M | $179.2M | ||
| Q2 24 | $3.6M | $65.3M | ||
| Q1 24 | $9.8M | $51.9M |
| Q4 25 | 3.4% | 36.6% | ||
| Q3 25 | 2.2% | -44.3% | ||
| Q2 25 | -1.3% | -46.7% | ||
| Q1 25 | 8.2% | — | ||
| Q4 24 | -2.1% | — | ||
| Q3 24 | 5.6% | 110.5% | ||
| Q2 24 | 1.2% | 51.1% | ||
| Q1 24 | 3.2% | 40.6% |
| Q4 25 | 2.9% | 0.1% | ||
| Q3 25 | 2.4% | 0.0% | ||
| Q2 25 | 2.2% | 0.0% | ||
| Q1 25 | 1.9% | 0.0% | ||
| Q4 24 | 2.9% | 0.0% | ||
| Q3 24 | 2.0% | 0.1% | ||
| Q2 24 | 2.9% | 0.0% | ||
| Q1 24 | 3.4% | 0.5% |
| Q4 25 | 1.86× | 5.82× | ||
| Q3 25 | 1.32× | -3.86× | ||
| Q2 25 | 0.25× | -21.43× | ||
| Q1 25 | 2.60× | — | ||
| Q4 24 | 0.27× | — | ||
| Q3 24 | 2.72× | — | ||
| Q2 24 | 1.35× | — | ||
| Q1 24 | 2.54× | — |
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
NGVC
| Grocery | $243.8M | 73% |
| Dietary Supplements | $60.7M | 18% |
| Manufactured Product Other | $31.0M | 9% |
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% |
