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Priority Technology Holdings, Inc.（PRTH）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Priority Technology Holdings, Inc.的1.2倍（$308.2M vs $247.1M），Priority Technology Holdings, Inc.净利率更高（3.6% vs -2.2%，领先5.8%），Upstart Holdings, Inc.同比增速更快（44.4% vs 8.8%），过去两年Upstart Holdings, Inc.的营收复合增速更高（55.4% vs 9.6%）
Priority Technology Holdings, Inc.是一家聚焦信息技术领域的企业，业务围绕计算机、通信系统等相关信息设备展开，涵盖信息的创建、处理、存储、检索与传输等相关信息技术应用服务，依托计算机科学与工程技术支撑业务开展。
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。
PRTH vs UPST — 直观对比
营收规模更大
UPST
是对方的1.2倍
$247.1M
营收增速更快
UPST
高出35.6%
8.8%
净利率更高
PRTH
高出5.8%
-2.2%
两年增速更快
UPST
近两年复合增速
9.6%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $247.1M | $308.2M |
| 净利润 | $8.9M | $-6.6M |
| 毛利率 | — | — |
| 营业利润率 | 13.6% | -2.4% |
| 净利率 | 3.6% | -2.2% |
| 营收同比 | 8.8% | 44.4% |
| 净利润同比 | 23.9% | -171.6% |
| 每股收益（稀释后） | $0.10 | $-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PRTHUPST
| Q1 26 | — | $308.2M | ||
| Q4 25 | $247.1M | $296.1M | ||
| Q3 25 | $241.4M | $277.1M | ||
| Q2 25 | $239.8M | $257.3M | ||
| Q1 25 | $224.6M | $213.4M | ||
| Q4 24 | $227.1M | $219.0M | ||
| Q3 24 | $227.0M | $162.1M | ||
| Q2 24 | $219.9M | $127.6M |
净利润PRTHUPST
| Q1 26 | — | $-6.6M | ||
| Q4 25 | $8.9M | $18.6M | ||
| Q3 25 | $27.6M | $31.8M | ||
| Q2 25 | $10.9M | $5.6M | ||
| Q1 25 | $8.3M | $-2.4M | ||
| Q4 24 | $7.2M | $-2.8M | ||
| Q3 24 | $10.6M | $-6.8M | ||
| Q2 24 | $994.0K | $-54.5M |
营业利润率PRTHUPST
| Q1 26 | — | -2.4% | ||
| Q4 25 | 13.6% | 6.4% | ||
| Q3 25 | 15.6% | 8.5% | ||
| Q2 25 | 15.6% | 1.8% | ||
| Q1 25 | 14.5% | -2.1% | ||
| Q4 24 | 15.0% | -2.2% | ||
| Q3 24 | 16.8% | -27.8% | ||
| Q2 24 | 15.1% | -43.5% |
净利率PRTHUPST
| Q1 26 | — | -2.2% | ||
| Q4 25 | 3.6% | 6.3% | ||
| Q3 25 | 11.4% | 11.5% | ||
| Q2 25 | 4.5% | 2.2% | ||
| Q1 25 | 3.7% | -1.1% | ||
| Q4 24 | 3.2% | -1.3% | ||
| Q3 24 | 4.7% | -4.2% | ||
| Q2 24 | 0.5% | -42.7% |
每股收益（稀释后）PRTHUPST
| Q1 26 | — | $-0.07 | ||
| Q4 25 | $0.10 | $0.20 | ||
| Q3 25 | $0.34 | $0.23 | ||
| Q2 25 | $0.14 | $0.05 | ||
| Q1 25 | $0.10 | $-0.03 | ||
| Q4 24 | $-0.05 | $-0.01 | ||
| Q3 24 | $0.07 | $-0.07 | ||
| Q2 24 | $-0.23 | $-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 | $77.2M | $472.9M |
| 总债务越低越好 | $1.0B | — |
| 股东权益账面价值 | $-100.4M | $733.2M |
| 总资产 | $2.4B | $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PRTHUPST
| Q1 26 | — | $472.9M | ||
| Q4 25 | $77.2M | $652.4M | ||
| Q3 25 | $57.0M | $489.8M | ||
| Q2 25 | $50.6M | $395.9M | ||
| Q1 25 | $47.6M | $599.8M | ||
| Q4 24 | $58.6M | $788.4M | ||
| Q3 24 | $41.1M | — | ||
| Q2 24 | $34.6M | — |
总债务PRTHUPST
| Q1 26 | — | — | ||
| Q4 25 | $1.0B | — | ||
| Q3 25 | $997.5M | — | ||
| Q2 25 | $917.0M | — | ||
| Q1 25 | $918.9M | — | ||
| Q4 24 | $920.9M | — | ||
| Q3 24 | $808.1M | — | ||
| Q2 24 | $809.0M | — |
股东权益PRTHUPST
| Q1 26 | — | $733.2M | ||
| Q4 25 | $-100.4M | $798.8M | ||
| Q3 25 | $-110.3M | $743.7M | ||
| Q2 25 | $-146.1M | $722.0M | ||
| Q1 25 | $-158.3M | $676.6M | ||
| Q4 24 | $-166.8M | $633.2M | ||
| Q3 24 | $-165.8M | $595.5M | ||
| Q2 24 | $-172.1M | $594.7M |
总资产PRTHUPST
| Q1 26 | — | $3.0B | ||
| Q4 25 | $2.4B | $3.0B | ||
| Q3 25 | $2.2B | $2.9B | ||
| Q2 25 | $2.0B | $2.5B | ||
| Q1 25 | $1.9B | $2.3B | ||
| Q4 24 | $1.8B | $2.4B | ||
| Q3 24 | $1.8B | $1.8B | ||
| Q2 24 | $1.7B | $1.8B |
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 | $36.8M | $-133.3M |
| 自由现金流经营现金流 - 资本支出 | $30.9M | — |
| 自由现金流率自由现金流/营收 | 12.5% | — |
| 资本支出强度资本支出/营收 | 2.4% | — |
| 现金转化率经营现金流/净利润 | 4.12× | — |
| 过去12个月自由现金流最近4个季度 | $75.1M | — |
8季度趋势，按日历期对齐
经营现金流PRTHUPST
| Q1 26 | — | $-133.3M | ||
| Q4 25 | $36.8M | $108.6M | ||
| Q3 25 | $36.1M | $-122.6M | ||
| Q2 25 | $17.1M | $-120.2M | ||
| Q1 25 | $10.0M | $-13.5M | ||
| Q4 24 | $23.8M | $-110.9M | ||
| Q3 24 | $19.8M | $179.3M | ||
| Q2 24 | $28.7M | $65.3M |
自由现金流PRTHUPST
| Q1 26 | — | — | ||
| Q4 25 | $30.9M | $108.4M | ||
| Q3 25 | $30.1M | $-122.7M | ||
| Q2 25 | $9.2M | $-120.3M | ||
| Q1 25 | $4.9M | — | ||
| Q4 24 | $19.1M | — | ||
| Q3 24 | $14.5M | $179.2M | ||
| Q2 24 | $23.6M | $65.3M |
自由现金流率PRTHUPST
| Q1 26 | — | — | ||
| Q4 25 | 12.5% | 36.6% | ||
| Q3 25 | 12.5% | -44.3% | ||
| Q2 25 | 3.8% | -46.7% | ||
| Q1 25 | 2.2% | — | ||
| Q4 24 | 8.4% | — | ||
| Q3 24 | 6.4% | 110.5% | ||
| Q2 24 | 10.7% | 51.1% |
资本支出强度PRTHUPST
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 0.1% | ||
| Q3 25 | 2.5% | 0.0% | ||
| Q2 25 | 3.3% | 0.0% | ||
| Q1 25 | 2.3% | 0.0% | ||
| Q4 24 | 2.0% | 0.0% | ||
| Q3 24 | 2.3% | 0.1% | ||
| Q2 24 | 2.3% | 0.0% |
现金转化率PRTHUPST
| Q1 26 | — | — | ||
| Q4 25 | 4.12× | 5.82× | ||
| Q3 25 | 1.31× | -3.86× | ||
| Q2 25 | 1.57× | -21.43× | ||
| Q1 25 | 1.20× | — | ||
| Q4 24 | 3.29× | — | ||
| Q3 24 | 1.87× | — | ||
| Q2 24 | 28.87× | — |
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
PRTH
暂无分部数据
UPST
| Platform and referral fees, net | $224.6M | 73% |
| Servicing and other fees, net | $52.4M | 17% |
| Other | $31.2M | 10% |
