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Side-by-side financial comparison of COGENT COMMUNICATIONS HOLDINGS, INC. (CCOI) and LendingClub Corp (LC). Click either name above to swap in a different company.
LendingClub Corp is the larger business by last-quarter revenue ($252.3M vs $240.5M, roughly 1.0× COGENT COMMUNICATIONS HOLDINGS, INC.). LendingClub Corp runs the higher net margin — 20.5% vs -12.8%, a 33.2% gap on every dollar of revenue. On growth, LendingClub Corp posted the faster year-over-year revenue change (15.9% vs -4.7%). Over the past eight quarters, LendingClub Corp's revenue compounded faster (16.1% CAGR vs -4.9%).
Cogent Communications Holdings, Inc. is a multinational internet service provider based in the United States. Cogent's primary services consist of Internet access and data transport, offered on a fiber optic, IP data-only network, along with colocation in data centers.
LendingClub Corporation is an American financial services company headquartered in San Francisco, California. It was the first peer-to-peer lender to register its offerings as securities with the Securities and Exchange Commission (SEC), and to offer loan trading on a secondary market. At its height, LendingClub was the world's largest peer-to-peer lending platform. The company reported that $15.98 billion in loans had been originated through its platform up to December 31, 2015.
CCOI vs LC — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $240.5M | $252.3M |
| Net Profit | $-30.8M | $51.6M |
| Gross Margin | 46.6% | — |
| Operating Margin | -4.7% | — |
| Net Margin | -12.8% | 20.5% |
| Revenue YoY | -4.7% | 15.9% |
| Net Profit YoY | 28.9% | 341.0% |
| EPS (diluted) | $-0.63 | $0.44 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | — | $252.3M | ||
| Q4 25 | $240.5M | $266.5M | ||
| Q3 25 | $241.9M | $266.2M | ||
| Q2 25 | $246.2M | $248.4M | ||
| Q1 25 | $247.0M | $217.7M | ||
| Q4 24 | $252.3M | $217.2M | ||
| Q3 24 | $257.2M | $201.9M | ||
| Q2 24 | $260.4M | $187.2M |
| Q1 26 | — | $51.6M | ||
| Q4 25 | $-30.8M | — | ||
| Q3 25 | $-41.5M | $44.3M | ||
| Q2 25 | $-57.8M | $38.2M | ||
| Q1 25 | $-52.0M | $11.7M | ||
| Q4 24 | $-43.3M | — | ||
| Q3 24 | $-63.1M | $14.5M | ||
| Q2 24 | $-32.3M | $14.9M |
| Q1 26 | — | — | ||
| Q4 25 | 46.6% | — | ||
| Q3 25 | 45.6% | — | ||
| Q2 25 | 44.2% | — | ||
| Q1 25 | 44.4% | — | ||
| Q4 24 | 38.5% | — | ||
| Q3 24 | 37.2% | — | ||
| Q2 24 | 40.0% | — |
| Q1 26 | — | — | ||
| Q4 25 | -4.7% | 18.8% | ||
| Q3 25 | -7.5% | 21.5% | ||
| Q2 25 | -12.8% | 21.7% | ||
| Q1 25 | -16.3% | 7.2% | ||
| Q4 24 | -13.2% | 5.1% | ||
| Q3 24 | -22.5% | 8.9% | ||
| Q2 24 | -18.1% | 10.4% |
| Q1 26 | — | 20.5% | ||
| Q4 25 | -12.8% | — | ||
| Q3 25 | -17.2% | 16.6% | ||
| Q2 25 | -23.5% | 15.4% | ||
| Q1 25 | -21.1% | 5.4% | ||
| Q4 24 | -17.2% | — | ||
| Q3 24 | -24.5% | 7.2% | ||
| Q2 24 | -12.4% | 8.0% |
| Q1 26 | — | $0.44 | ||
| Q4 25 | $-0.63 | $0.36 | ||
| Q3 25 | $-0.87 | $0.37 | ||
| Q2 25 | $-1.21 | $0.33 | ||
| Q1 25 | $-1.09 | $0.10 | ||
| Q4 24 | $-0.89 | $0.08 | ||
| Q3 24 | $-1.33 | $0.13 | ||
| Q2 24 | $-0.68 | $0.13 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $148.5M | — |
| Total DebtLower is stronger | $1.7B | — |
| Stockholders' EquityBook value | $-63.8M | $1.5B |
| Total Assets | $3.1B | $11.9B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $148.5M | — | ||
| Q3 25 | $147.1M | — | ||
| Q2 25 | $213.7M | — | ||
| Q1 25 | $153.8M | — | ||
| Q4 24 | $198.5M | — | ||
| Q3 24 | $279.2M | — | ||
| Q2 24 | $384.4M | — |
| Q1 26 | — | — | ||
| Q4 25 | $1.7B | $0 | ||
| Q3 25 | — | $0 | ||
| Q2 25 | — | $0 | ||
| Q1 25 | — | $0 | ||
| Q4 24 | $1.5B | $0 | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | $1.5B | ||
| Q4 25 | $-63.8M | $1.5B | ||
| Q3 25 | $-39.2M | $1.5B | ||
| Q2 25 | $46.7M | $1.4B | ||
| Q1 25 | $142.8M | $1.4B | ||
| Q4 24 | $222.8M | $1.3B | ||
| Q3 24 | $323.6M | $1.3B | ||
| Q2 24 | $415.5M | $1.3B |
| Q1 26 | — | $11.9B | ||
| Q4 25 | $3.1B | $11.6B | ||
| Q3 25 | $3.1B | $11.1B | ||
| Q2 25 | $3.3B | $10.8B | ||
| Q1 25 | $3.1B | $10.5B | ||
| Q4 24 | $3.2B | $10.6B | ||
| Q3 24 | $3.2B | $11.0B | ||
| Q2 24 | $3.3B | $9.6B |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.00× | ||
| Q3 25 | — | 0.00× | ||
| Q2 25 | — | 0.00× | ||
| Q1 25 | — | 0.00× | ||
| Q4 24 | 6.53× | 0.00× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $-6.0M | — |
| Free Cash FlowOCF − Capex | $-43.0M | — |
| FCF MarginFCF / Revenue | -17.9% | — |
| Capex IntensityCapex / Revenue | 15.4% | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $-198.1M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $-6.0M | $-2.7B | ||
| Q3 25 | $3.1M | $-770.8M | ||
| Q2 25 | $-44.0M | $-713.1M | ||
| Q1 25 | $36.4M | $-339.3M | ||
| Q4 24 | $14.5M | $-2.6B | ||
| Q3 24 | $-20.2M | $-669.8M | ||
| Q2 24 | $-22.2M | $-932.5M |
| Q1 26 | — | — | ||
| Q4 25 | $-43.0M | $-2.9B | ||
| Q3 25 | $-33.1M | $-791.8M | ||
| Q2 25 | $-100.2M | $-803.8M | ||
| Q1 25 | $-21.7M | $-352.3M | ||
| Q4 24 | $-31.6M | $-2.7B | ||
| Q3 24 | $-79.5M | $-682.3M | ||
| Q2 24 | $-70.9M | $-945.3M |
| Q1 26 | — | — | ||
| Q4 25 | -17.9% | -1076.0% | ||
| Q3 25 | -13.7% | -297.4% | ||
| Q2 25 | -40.7% | -323.5% | ||
| Q1 25 | -8.8% | -161.8% | ||
| Q4 24 | -12.5% | -1237.8% | ||
| Q3 24 | -30.9% | -338.0% | ||
| Q2 24 | -27.2% | -504.9% |
| Q1 26 | — | — | ||
| Q4 25 | 15.4% | 52.7% | ||
| Q3 25 | 15.0% | 7.9% | ||
| Q2 25 | 22.8% | 36.5% | ||
| Q1 25 | 23.5% | 6.0% | ||
| Q4 24 | 18.3% | 25.0% | ||
| Q3 24 | 23.0% | 6.2% | ||
| Q2 24 | 18.7% | 6.9% |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | -17.41× | ||
| Q2 25 | — | -18.68× | ||
| Q1 25 | — | -29.07× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | -46.33× | ||
| Q2 24 | — | -62.57× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
