股票 › UPST
奥普斯特 UPST
美股市值排名 #2685
$21.89 −$0.25 (-1.13%)
休市 · Nov 6, 10:10 pm ET · 最新盘后价 $21.78 -0.51%
开盘$22.09
昨收$22.14
当日区间$21.55 – $22.93
成交量4.58M
市值$2.17B
市盈率（TTM）35.9
股息率–
基本面
最新报告季度：Q2, ended Jun 2026
营收$364.71M+41.7% YoY
净利润$16.54M+195.0% YoY
摊薄每股收益$0.16+220.0% YoY
自由现金流-$142.88M-14.7% YoY
经营现金流-$136.63M
营收，近8个季度
净利润，近8个季度
各季度摊薄每股收益
各季度自由现金流
年度营收
盈利能力与资产负债表
净利率4.9%
净资产收益率7.9%
资产收益率2.1%
负债/资产比率74.9%
现金及投资$457.74M
总负债$2.03B
净现金（净负债）-$1.57B
营收构成
2026/Q2 季度
按业务线
利润表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 报告营业总收入 | $364.71M | $308.21M | $1.04B | $296.09M | $277.11M |
| 营业总收入 | $364.71M | $308.21M | $1.02B | $276.22M | $277.11M |
| 净利息收入 | $44.52M | $45.69M | $152.69M | $32.89M | $48.41M |
| -利息收入 | $57.05M | $56.06M | $204.23M | $60.84M | $57.20M |
| -利息支出 | $12.53M | $10.37M | $51.54M | $27.95M | $8.79M |
| 非利息收入 | $320.19M | $262.52M | $871.29M | $243.33M | $228.70M |
| -手续费及佣金 | $348.02M | $277.06M | $950.01M | $265.22M | $258.54M |
| -资产出售损益 | -$27.83M | -$14.54M | -$78.72M | -$21.89M | -$29.84M |
| 非利息支出 | $346.29M | $315.73M | $1.00B | $277.17M | $253.44M |
| 销售及管理费用 | $256.21M | $235.62M | $743.62M | $210.26M | $189.41M |
| -销售及营销费用 | $114.51M | $104.46M | $301.51M | $90.59M | $78.84M |
| -管理费用 | $141.70M | $131.17M | $442.12M | $119.67M | $110.57M |
| 其他非利息支出 | $90.08M | $80.11M | $257.60M | $66.91M | $64.03M |
| 其他收入（支出） | -$1.26M | $956,000.00 | $31.57M | $20.12M | $8.26M |
| 特殊收益（费用） | -$3.78M | – | $7.25M | $0.00 | $7.25M |
| -减：重组及并购费用 | $3.78M | – | $0.00 | $0.00 | $0.00 |
| 其他非经营性收入（支出） | $2.51M | $956,000.00 | $24.32M | $20.12M | $1.02M |
| 税前利润 | $17.15M | -$6.56M | $54.33M | $19.16M | $31.93M |
| 税费 | $614,000.00 | $84,000.00 | $728,000.00 | $526,000.00 | $124,000.00 |
| 净利润 | $16.54M | -$6.65M | $53.60M | $18.64M | $31.81M |
| 持续经营利润 | $16.54M | -$6.65M | $53.60M | $18.64M | $31.81M |
| 归属母公司净利润 | $16.54M | -$6.65M | $53.60M | $18.64M | $31.81M |
| 归属普通股股东净利润 | $16.54M | -$6.65M | $53.60M | $18.64M | $31.81M |
| 基本每股收益 | $0.17 | -$0.07 | $0.56 | $0.19 | $0.33 |
| 摊薄每股收益 | $0.16 | -$0.07 | $0.45 | $0.17 | $0.23 |
| -债务清偿收益 | – | – | -$7.25M | $0.00 | -$7.25M |
资产负债表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 总资产 | $3.17B | $2.96B | $2.97B | $2.97B | $2.90B |
| 现金、现金等价物及联邦基金出售 | $984.06M | $932.95M | $1.06B | $1.06B | $842.01M |
| -现金及现金等价物 | $457.74M | $474.55M | $657.45M | $657.45M | $494.89M |
| -受限现金及投资 | $526.32M | $458.40M | $404.62M | $404.62M | $347.12M |
| 证券投资 | $41.00M | $41.25M | $41.25M | $41.25M | $41.25M |
| -可供出售证券 | $41.00M | $41.25M | $41.25M | $41.25M | $41.25M |
| 贷款净额 | $1.06B | $1.01B | $984.55M | $984.55M | $1.23B |
| -贷款总额 | $1.06B | $1.01B | $984.55M | $984.55M | $1.23B |
| 应收款 | $290.33M | $263.05M | $256.81M | $256.81M | $235.13M |
| -应收票据 | $120.38M | $105.07M | $97.42M | $97.42M | $76.76M |
| -其他应收款 | $169.96M | $157.98M | $159.39M | $159.39M | $114.85M |
| 固定资产净值 | $68.20M | $61.61M | $60.58M | $60.58M | $78.91M |
| -固定资产原值 | $158.73M | $145.41M | $139.01M | $139.01M | $151.32M |
| -累计折旧 | -$90.53M | -$83.81M | -$78.42M | -$78.42M | -$72.41M |
| 商誉及其他无形资产 | $74.78M | $75.07M | $75.35M | $75.35M | $75.64M |
| -商誉 | $67.06M | $67.06M | $67.06M | $67.06M | $67.06M |
| -其他无形资产 | $7.72M | $8.00M | $8.29M | $8.29M | $8.57M |
| 预付资产 | $32.54M | $40.59M | $39.66M | $39.66M | $30.56M |
| 其他资产 | $616.11M | $533.08M | $454.54M | $454.54M | $370.57M |
| 负债合计 | $2.37B | $2.23B | $2.18B | $2.18B | $2.16B |
| 短期债务及融资租赁负债 | $251.76M | $183.31M | $97.33M | $97.33M | $140.52M |
| -一年内到期债务 | $251.76M | $183.31M | $97.33M | $97.33M | $140.52M |
| 应付款 | $216.72M | $187.43M | $186.18M | $186.18M | $160.36M |
| -应付账款 | $39.39M | $22.72M | $31.98M | $31.98M | $11.78M |
| -其他应付款 | $177.33M | $164.71M | $154.20M | $154.20M | $148.58M |
| 一年内应计费用 | $92.27M | $75.08M | $117.51M | $117.51M | $76.88M |
| 长期债务及融资租赁负债 | $1.77B | $1.76B | $1.75B | $1.75B | $1.76B |
| -长期债务 | $1.75B | $1.74B | $1.73B | $1.73B | $1.72B |
| -长期融资租赁负债 | $22.35M | $17.55M | $21.15M | $21.15M | $40.55M |
| 其他负债 | $39.32M | $26.79M | $22.01M | $22.01M | $27.59M |
| 股东权益合计 | $797.49M | $733.17M | $798.82M | $798.82M | $743.72M |
| 股东权益 | $797.49M | $733.17M | $798.82M | $798.82M | $743.72M |
| 股本 | $10,000.00 | $10,000.00 | $10,000.00 | $10,000.00 | $10,000.00 |
| -普通股 | $10,000.00 | $10,000.00 | $10,000.00 | $10,000.00 | $10,000.00 |
| 资本公积 | $1.15B | $1.10B | $1.16B | $1.16B | $1.12B |
| 留存收益 | -$347.66M | -$364.20M | -$357.56M | -$357.56M | -$376.19M |
| 衍生资产 | – | – | – | – | $824,000.00 |
| -应收账款 | – | – | – | – | $43.52M |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | -$136.63M | -$133.30M | -$147.73M | $108.55M | -$122.63M |
| 持续经营经营活动现金流净额 | -$136.63M | -$133.30M | -$147.73M | $108.55M | -$122.63M |
| 持续经营净利润 | $16.54M | -$6.65M | $53.60M | $18.64M | $31.81M |
| 折旧、折耗与摊销 | $7.13M | $5.86M | $24.84M | $6.46M | $6.13M |
| 其他非现金项目 | -$232.86M | -$121.55M | -$370.59M | $7.71M | -$170.37M |
| 营运资金变动 | $28.43M | -$44.87M | $26.64M | $44.69M | -$13.96M |
| -应付账款及应计费用变动 | $38.27M | -$48.45M | $39.56M | $60.51M | -$13.41M |
| -其他流动资产变动 | -$9.46M | $4.37M | -$10.83M | -$14.66M | -$239,000.00 |
| -Change in Other Working Capital | -$374,000.00 | -$796,000.00 | -$2.08M | -$1.17M | -$308,000.00 |
| 投资活动现金流净额 | $94.08M | $876,000.00 | -$177.17M | $131.74M | -$120.51M |
| 持续经营投资活动现金流净额 | $94.08M | $876,000.00 | -$177.17M | $131.74M | -$120.51M |
| 资本支出 | -$4.19M | -$4.24M | -$18.06M | -$3.76M | -$3.89M |
| 固定资产购置及出售净额 | -$2.06M | -$2.75M | -$347,000.00 | -$157,000.00 | -$75,000.00 |
| 贷款净收益 | $24.66M | -$47.49M | -$321.28M | $78.66M | -$172.19M |
| 其他投资变动净额 | $75.67M | $55.35M | $162.52M | $57.00M | $55.64M |
| 筹资活动现金流 | $93.49M | $6.74M | $405.65M | -$20.18M | $378.58M |
| 持续经营筹资活动现金流净额 | $93.49M | $6.74M | $405.65M | -$20.18M | $378.58M |
| Net Issuance Payments of Debt | $72.89M | $83.68M | $390.65M | -$36.80M | $425.80M |
| 普通股发行净额 | $0.00 | -$100.06M | – | – | – |
| 股票期权行使所得 | $923,000.00 | $5.25M | $25.30M | $2.36M | $8.39M |
| 其他筹资活动净额 | $19.69M | $17.86M | -$10.30M | $14.26M | -$55.62M |
| 期末现金余额 | $982.28M | $931.33M | $1.06B | $1.06B | $836.91M |
| 现金净变动 | $50.94M | -$125.68M | $80.75M | $220.11M | $135.45M |
| 期初现金余额 | $931.33M | $1.06B | $976.26M | $836.91M | $701.46M |
| 自由现金流 | -$142.88M | -$140.29M | -$166.13M | $104.63M | -$126.59M |
| 持续经营损益 | – | – | -$7.25M | $0.00 | – |
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