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Side-by-side financial comparison of ECARX Holdings Inc. (ECX) and LendingClub Corp (LC). Click either name above to swap in a different company.
ECARX Holdings Inc. is the larger business by last-quarter revenue ($323.3M vs $252.3M, roughly 1.3× LendingClub Corp). LendingClub Corp runs the higher net margin — 20.5% vs -21.4%, a 41.8% gap on every dollar of revenue. On growth, LendingClub Corp posted the faster year-over-year revenue change (15.9% vs 6.5%).
ECARX Holdings Inc. is a global mobility technology provider specializing in integrated smart vehicle solutions, including in-vehicle infotainment systems, advanced driver assistance technologies, and connected car cloud services. It primarily partners with automotive manufacturers across the world, with a strong operational presence in the Chinese and European markets.
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.
ECX vs LC — Head-to-Head
Income Statement — Q2 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $323.3M | $252.3M |
| Net Profit | $-69.1M | $51.6M |
| Gross Margin | 15.5% | — |
| Operating Margin | -20.2% | — |
| Net Margin | -21.4% | 20.5% |
| Revenue YoY | 6.5% | 15.9% |
| Net Profit YoY | 12.8% | 341.0% |
| EPS (diluted) | $-0.20 | $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 | — | $266.5M | ||
| Q3 25 | — | $266.2M | ||
| Q2 25 | $323.3M | $248.4M | ||
| Q1 25 | — | $217.7M | ||
| Q4 24 | — | $217.2M | ||
| Q3 24 | — | $201.9M | ||
| Q2 24 | $303.5M | $187.2M |
| Q1 26 | — | $51.6M | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $44.3M | ||
| Q2 25 | $-69.1M | $38.2M | ||
| Q1 25 | — | $11.7M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $14.5M | ||
| Q2 24 | $-79.2M | $14.9M |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | 15.5% | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | 22.6% | — |
| Q1 26 | — | — | ||
| Q4 25 | — | 18.8% | ||
| Q3 25 | — | 21.5% | ||
| Q2 25 | -20.2% | 21.7% | ||
| Q1 25 | — | 7.2% | ||
| Q4 24 | — | 5.1% | ||
| Q3 24 | — | 8.9% | ||
| Q2 24 | -22.2% | 10.4% |
| Q1 26 | — | 20.5% | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 16.6% | ||
| Q2 25 | -21.4% | 15.4% | ||
| Q1 25 | — | 5.4% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 7.2% | ||
| Q2 24 | -26.1% | 8.0% |
| Q1 26 | — | $0.44 | ||
| Q4 25 | — | $0.36 | ||
| Q3 25 | — | $0.37 | ||
| Q2 25 | $-0.20 | $0.33 | ||
| Q1 25 | — | $0.10 | ||
| Q4 24 | — | $0.08 | ||
| Q3 24 | — | $0.13 | ||
| Q2 24 | $-0.23 | $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 | $86.2M | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $-293.7M | $1.5B |
| Total Assets | $494.9M | $11.9B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | $86.2M | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | $108.4M | — |
| Q1 26 | — | — | ||
| Q4 25 | — | $0 | ||
| Q3 25 | — | $0 | ||
| Q2 25 | — | $0 | ||
| Q1 25 | — | $0 | ||
| Q4 24 | — | $0 | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | $1.5B | ||
| Q4 25 | — | $1.5B | ||
| Q3 25 | — | $1.5B | ||
| Q2 25 | $-293.7M | $1.4B | ||
| Q1 25 | — | $1.4B | ||
| Q4 24 | — | $1.3B | ||
| Q3 24 | — | $1.3B | ||
| Q2 24 | $-198.5M | $1.3B |
| Q1 26 | — | $11.9B | ||
| Q4 25 | — | $11.6B | ||
| Q3 25 | — | $11.1B | ||
| Q2 25 | $494.9M | $10.8B | ||
| Q1 25 | — | $10.5B | ||
| Q4 24 | — | $10.6B | ||
| Q3 24 | — | $11.0B | ||
| Q2 24 | $555.0M | $9.6B |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.00× | ||
| Q3 25 | — | 0.00× | ||
| Q2 25 | — | 0.00× | ||
| Q1 25 | — | 0.00× | ||
| Q4 24 | — | 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 | $-82.0M | — |
| Free Cash FlowOCF − Capex | $-86.5M | — |
| FCF MarginFCF / Revenue | -26.7% | — |
| Capex IntensityCapex / Revenue | 1.4% | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $-2.7B | ||
| Q3 25 | — | $-770.8M | ||
| Q2 25 | $-82.0M | $-713.1M | ||
| Q1 25 | — | $-339.3M | ||
| Q4 24 | — | $-2.6B | ||
| Q3 24 | — | $-669.8M | ||
| Q2 24 | $-57.1M | $-932.5M |
| Q1 26 | — | — | ||
| Q4 25 | — | $-2.9B | ||
| Q3 25 | — | $-791.8M | ||
| Q2 25 | $-86.5M | $-803.8M | ||
| Q1 25 | — | $-352.3M | ||
| Q4 24 | — | $-2.7B | ||
| Q3 24 | — | $-682.3M | ||
| Q2 24 | $-64.9M | $-945.3M |
| Q1 26 | — | — | ||
| Q4 25 | — | -1076.0% | ||
| Q3 25 | — | -297.4% | ||
| Q2 25 | -26.7% | -323.5% | ||
| Q1 25 | — | -161.8% | ||
| Q4 24 | — | -1237.8% | ||
| Q3 24 | — | -338.0% | ||
| Q2 24 | -21.4% | -504.9% |
| Q1 26 | — | — | ||
| Q4 25 | — | 52.7% | ||
| Q3 25 | — | 7.9% | ||
| Q2 25 | 1.4% | 36.5% | ||
| Q1 25 | — | 6.0% | ||
| Q4 24 | — | 25.0% | ||
| Q3 24 | — | 6.2% | ||
| Q2 24 | 2.6% | 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.
