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PREFORMED LINE PRODUCTS CO（PLPC）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PREFORMED LINE PRODUCTS CO的1.7倍（$296.1M vs $173.1M），Upstart Holdings, Inc.净利率更高（6.3% vs 4.9%，领先1.4%），Upstart Holdings, Inc.同比增速更快（35.2% vs 3.6%），Upstart Holdings, Inc.自由现金流更多（$108.4M vs $11.8M），过去两年Upstart Holdings, Inc.的营收复合增速更高（52.2% vs 10.8%）
预成型线路产品公司（PLPC）研发、生产和销售适用于输配电、通信及可再生能源基建领域的工程硬件组件，服务全球多地的公用事业、网络运营商及工业客户，提供可提升网络可靠性与运营效率的解决方案。
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。
PLPC vs UPST — 直观对比
营收规模更大
UPST
是对方的1.7倍
$173.1M
营收增速更快
UPST
高出31.6%
3.6%
净利率更高
UPST
高出1.4%
4.9%
自由现金流更多
UPST
多$96.6M
$11.8M
两年增速更快
UPST
近两年复合增速
10.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $173.1M | $296.1M |
| 净利润 | $8.4M | $18.6M |
| 毛利率 | 29.8% | — |
| 营业利润率 | 6.8% | 6.4% |
| 净利率 | 4.9% | 6.3% |
| 营收同比 | 3.6% | 35.2% |
| 净利润同比 | -19.3% | 776.4% |
| 每股收益（稀释后） | $1.72 | $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PLPCUPST
| Q4 25 | $173.1M | $296.1M | ||
| Q3 25 | $178.1M | $277.1M | ||
| Q2 25 | $169.6M | $257.3M | ||
| Q1 25 | $148.5M | $213.4M | ||
| Q4 24 | $167.1M | $219.0M | ||
| Q3 24 | $147.0M | $162.1M | ||
| Q2 24 | $138.7M | $127.6M | ||
| Q1 24 | $140.9M | $127.8M |
净利润PLPCUPST
| Q4 25 | $8.4M | $18.6M | ||
| Q3 25 | $2.6M | $31.8M | ||
| Q2 25 | $12.7M | $5.6M | ||
| Q1 25 | $11.5M | $-2.4M | ||
| Q4 24 | $10.5M | $-2.8M | ||
| Q3 24 | $7.7M | $-6.8M | ||
| Q2 24 | $9.4M | $-54.5M | ||
| Q1 24 | $9.6M | $-64.6M |
毛利率PLPCUPST
| Q4 25 | 29.8% | — | ||
| Q3 25 | 29.7% | — | ||
| Q2 25 | 32.7% | — | ||
| Q1 25 | 32.8% | — | ||
| Q4 24 | 33.3% | — | ||
| Q3 24 | 31.1% | — | ||
| Q2 24 | 31.9% | — | ||
| Q1 24 | 31.3% | — |
营业利润率PLPCUPST
| Q4 25 | 6.8% | 6.4% | ||
| Q3 25 | 7.4% | 8.5% | ||
| Q2 25 | 10.1% | 1.8% | ||
| Q1 25 | 8.8% | -2.1% | ||
| Q4 24 | 10.5% | -2.2% | ||
| Q3 24 | 7.1% | -27.8% | ||
| Q2 24 | 8.1% | -43.5% | ||
| Q1 24 | 8.2% | -52.8% |
净利率PLPCUPST
| Q4 25 | 4.9% | 6.3% | ||
| Q3 25 | 1.5% | 11.5% | ||
| Q2 25 | 7.5% | 2.2% | ||
| Q1 25 | 7.8% | -1.1% | ||
| Q4 24 | 6.3% | -1.3% | ||
| Q3 24 | 5.2% | -4.2% | ||
| Q2 24 | 6.8% | -42.7% | ||
| Q1 24 | 6.8% | -50.5% |
每股收益（稀释后）PLPCUPST
| Q4 25 | $1.72 | $0.20 | ||
| Q3 25 | $0.53 | $0.23 | ||
| Q2 25 | $2.56 | $0.05 | ||
| Q1 25 | $2.33 | $-0.03 | ||
| Q4 24 | $2.13 | $-0.01 | ||
| Q3 24 | $1.54 | $-0.07 | ||
| Q2 24 | $1.89 | $-0.62 | ||
| Q1 24 | $1.94 | $-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 | — | $652.4M |
| 总债务越低越好 | $38.3M | — |
| 股东权益账面价值 | $475.5M | $798.8M |
| 总资产 | $653.6M | $3.0B |
| 负债/权益比越低杠杆越低 | 0.08× | — |
8季度趋势，按日历期对齐
现金及短期投资PLPCUPST
| Q4 25 | — | $652.4M | ||
| Q3 25 | — | $489.8M | ||
| Q2 25 | — | $395.9M | ||
| Q1 25 | — | $599.8M | ||
| Q4 24 | — | $788.4M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
总债务PLPCUPST
| Q4 25 | $38.3M | — | ||
| Q3 25 | $36.0M | — | ||
| Q2 25 | $31.8M | — | ||
| Q1 25 | $29.1M | — | ||
| Q4 24 | $20.8M | — | ||
| Q3 24 | $27.2M | — | ||
| Q2 24 | $31.6M | — | ||
| Q1 24 | $55.0M | — |
股东权益PLPCUPST
| Q4 25 | $475.5M | $798.8M | ||
| Q3 25 | $466.3M | $743.7M | ||
| Q2 25 | $460.7M | $722.0M | ||
| Q1 25 | $435.8M | $676.6M | ||
| Q4 24 | $422.3M | $633.2M | ||
| Q3 24 | $429.0M | $595.5M | ||
| Q2 24 | $416.2M | $594.7M | ||
| Q1 24 | $413.4M | $612.8M |
总资产PLPCUPST
| Q4 25 | $653.6M | $3.0B | ||
| Q3 25 | $644.6M | $2.9B | ||
| Q2 25 | $631.5M | $2.5B | ||
| Q1 25 | $592.5M | $2.3B | ||
| Q4 24 | $573.9M | $2.4B | ||
| Q3 24 | $592.0M | $1.8B | ||
| Q2 24 | $572.6M | $1.8B | ||
| Q1 24 | $586.1M | $1.9B |
负债/权益比PLPCUPST
| Q4 25 | 0.08× | — | ||
| Q3 25 | 0.08× | — | ||
| Q2 25 | 0.07× | — | ||
| Q1 25 | 0.07× | — | ||
| Q4 24 | 0.05× | — | ||
| Q3 24 | 0.06× | — | ||
| Q2 24 | 0.08× | — | ||
| Q1 24 | 0.13× | — |
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 | $21.9M | $108.6M |
| 自由现金流经营现金流 - 资本支出 | $11.8M | $108.4M |
| 自由现金流率自由现金流/营收 | 6.8% | 36.6% |
| 资本支出强度资本支出/营收 | 5.9% | 0.1% |
| 现金转化率经营现金流/净利润 | 2.60× | 5.82× |
| 过去12个月自由现金流最近4个季度 | $33.3M | — |
8季度趋势，按日历期对齐
经营现金流PLPCUPST
| Q4 25 | $21.9M | $108.6M | ||
| Q3 25 | $18.9M | $-122.6M | ||
| Q2 25 | $26.9M | $-120.2M | ||
| Q1 25 | $5.7M | $-13.5M | ||
| Q4 24 | $24.1M | $-110.9M | ||
| Q3 24 | $9.4M | $179.3M | ||
| Q2 24 | $28.3M | $65.3M | ||
| Q1 24 | $5.8M | $52.6M |
自由现金流PLPCUPST
| Q4 25 | $11.8M | $108.4M | ||
| Q3 25 | $8.3M | $-122.7M | ||
| Q2 25 | $18.6M | $-120.3M | ||
| Q1 25 | $-5.3M | — | ||
| Q4 24 | $20.6M | — | ||
| Q3 24 | $5.8M | $179.2M | ||
| Q2 24 | $24.6M | $65.3M | ||
| Q1 24 | $1.8M | $51.9M |
自由现金流率PLPCUPST
| Q4 25 | 6.8% | 36.6% | ||
| Q3 25 | 4.7% | -44.3% | ||
| Q2 25 | 10.9% | -46.7% | ||
| Q1 25 | -3.6% | — | ||
| Q4 24 | 12.3% | — | ||
| Q3 24 | 3.9% | 110.5% | ||
| Q2 24 | 17.7% | 51.1% | ||
| Q1 24 | 1.3% | 40.6% |
资本支出强度PLPCUPST
| Q4 25 | 5.9% | 0.1% | ||
| Q3 25 | 6.0% | 0.0% | ||
| Q2 25 | 4.9% | 0.0% | ||
| Q1 25 | 7.4% | 0.0% | ||
| Q4 24 | 2.1% | 0.0% | ||
| Q3 24 | 2.4% | 0.1% | ||
| Q2 24 | 2.7% | 0.0% | ||
| Q1 24 | 2.8% | 0.5% |
现金转化率PLPCUPST
| Q4 25 | 2.60× | 5.82× | ||
| Q3 25 | 7.21× | -3.86× | ||
| Q2 25 | 2.12× | -21.43× | ||
| Q1 25 | 0.49× | — | ||
| Q4 24 | 2.30× | — | ||
| Q3 24 | 1.22× | — | ||
| Q2 24 | 3.02× | — | ||
| Q1 24 | 0.60× | — |
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
PLPC
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% |
