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Side-by-side financial comparison of LendingClub Corp (LC) and Natural Grocers by Vitamin Cottage, Inc. (NGVC). Click either name above to swap in a different company.
Natural Grocers by Vitamin Cottage, Inc. is the larger business by last-quarter revenue ($335.6M vs $252.3M, roughly 1.3× LendingClub Corp). LendingClub Corp runs the higher net margin — 20.5% vs 3.4%, a 17.1% gap on every dollar of revenue. On growth, LendingClub Corp posted the faster year-over-year revenue change (15.9% vs 1.6%). Over the past eight quarters, LendingClub Corp's revenue compounded faster (16.1% CAGR vs 4.4%).
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.
Natural Grocers by Vitamin Cottage, Inc. is a U.S.-based specialty retail chain that offers certified organic groceries, dietary supplements, natural personal care items, and eco-friendly household products. It serves health-conscious consumers across multiple U.S. states, following strict quality standards that exclude artificial preservatives, colors, flavors and harmful additives.
LC vs NGVC — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $252.3M | $335.6M |
| Net Profit | $51.6M | $11.3M |
| Gross Margin | — | 29.5% |
| Operating Margin | — | 4.4% |
| Net Margin | 20.5% | 3.4% |
| Revenue YoY | 15.9% | 1.6% |
| Net Profit YoY | 341.0% | 14.0% |
| EPS (diluted) | $0.44 | $0.49 |
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 | $335.6M | ||
| Q3 25 | $266.2M | $336.1M | ||
| Q2 25 | $248.4M | $328.7M | ||
| Q1 25 | $217.7M | $335.8M | ||
| Q4 24 | $217.2M | $330.2M | ||
| Q3 24 | $201.9M | $322.7M | ||
| Q2 24 | $187.2M | $309.1M |
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | $11.3M | ||
| Q3 25 | $44.3M | $11.8M | ||
| Q2 25 | $38.2M | $11.6M | ||
| Q1 25 | $11.7M | $13.1M | ||
| Q4 24 | — | $9.9M | ||
| Q3 24 | $14.5M | $9.0M | ||
| Q2 24 | $14.9M | $9.2M |
| Q1 26 | — | — | ||
| Q4 25 | — | 29.5% | ||
| Q3 25 | — | 29.5% | ||
| Q2 25 | — | 29.9% | ||
| Q1 25 | — | 30.3% | ||
| Q4 24 | — | 29.9% | ||
| Q3 24 | — | 29.6% | ||
| Q2 24 | — | 29.2% |
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | 4.4% | ||
| Q3 25 | 21.5% | 4.6% | ||
| Q2 25 | 21.7% | 4.7% | ||
| Q1 25 | 7.2% | 5.2% | ||
| Q4 24 | 5.1% | 4.0% | ||
| Q3 24 | 8.9% | 3.7% | ||
| Q2 24 | 10.4% | 4.2% |
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | 3.4% | ||
| Q3 25 | 16.6% | 3.5% | ||
| Q2 25 | 15.4% | 3.5% | ||
| Q1 25 | 5.4% | 3.9% | ||
| Q4 24 | — | 3.0% | ||
| Q3 24 | 7.2% | 2.8% | ||
| Q2 24 | 8.0% | 3.0% |
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | $0.49 | ||
| Q3 25 | $0.37 | $0.51 | ||
| Q2 25 | $0.33 | $0.50 | ||
| Q1 25 | $0.10 | $0.56 | ||
| Q4 24 | $0.08 | $0.43 | ||
| Q3 24 | $0.13 | $0.38 | ||
| Q2 24 | $0.13 | $0.40 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $23.2M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.5B | $220.0M |
| Total Assets | $11.9B | $668.6M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $23.2M | ||
| Q3 25 | — | $17.1M | ||
| Q2 25 | — | $13.2M | ||
| Q1 25 | — | $21.2M | ||
| Q4 24 | — | $6.3M | ||
| Q3 24 | — | $8.9M | ||
| Q2 24 | — | $13.9M |
| 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 | $220.0M | ||
| Q3 25 | $1.5B | $212.4M | ||
| Q2 25 | $1.4B | $202.5M | ||
| Q1 25 | $1.4B | $193.0M | ||
| Q4 24 | $1.3B | $181.9M | ||
| Q3 24 | $1.3B | $174.3M | ||
| Q2 24 | $1.3B | $167.8M |
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | $668.6M | ||
| Q3 25 | $11.1B | $670.5M | ||
| Q2 25 | $10.8B | $659.0M | ||
| Q1 25 | $10.5B | $664.6M | ||
| Q4 24 | $10.6B | $648.9M | ||
| Q3 24 | $11.0B | $655.5M | ||
| Q2 24 | $9.6B | $654.4M |
| 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 | — | $21.1M |
| Free Cash FlowOCF − Capex | — | $11.6M |
| FCF MarginFCF / Revenue | — | 3.4% |
| Capex IntensityCapex / Revenue | — | 2.9% |
| Cash ConversionOCF / Net Profit | — | 1.86× |
| TTM Free Cash FlowTrailing 4 quarters | — | $42.6M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | $21.1M | ||
| Q3 25 | $-770.8M | $15.6M | ||
| Q2 25 | $-713.1M | $2.9M | ||
| Q1 25 | $-339.3M | $34.1M | ||
| Q4 24 | $-2.6B | $2.7M | ||
| Q3 24 | $-669.8M | $24.5M | ||
| Q2 24 | $-932.5M | $12.4M |
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | $11.6M | ||
| Q3 25 | $-791.8M | $7.5M | ||
| Q2 25 | $-803.8M | $-4.2M | ||
| Q1 25 | $-352.3M | $27.6M | ||
| Q4 24 | $-2.7B | $-6.9M | ||
| Q3 24 | $-682.3M | $18.0M | ||
| Q2 24 | $-945.3M | $3.6M |
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | 3.4% | ||
| Q3 25 | -297.4% | 2.2% | ||
| Q2 25 | -323.5% | -1.3% | ||
| Q1 25 | -161.8% | 8.2% | ||
| Q4 24 | -1237.8% | -2.1% | ||
| Q3 24 | -338.0% | 5.6% | ||
| Q2 24 | -504.9% | 1.2% |
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | 2.9% | ||
| Q3 25 | 7.9% | 2.4% | ||
| Q2 25 | 36.5% | 2.2% | ||
| Q1 25 | 6.0% | 1.9% | ||
| Q4 24 | 25.0% | 2.9% | ||
| Q3 24 | 6.2% | 2.0% | ||
| Q2 24 | 6.9% | 2.9% |
| Q1 26 | — | — | ||
| Q4 25 | — | 1.86× | ||
| Q3 25 | -17.41× | 1.32× | ||
| Q2 25 | -18.68× | 0.25× | ||
| Q1 25 | -29.07× | 2.60× | ||
| Q4 24 | — | 0.27× | ||
| Q3 24 | -46.33× | 2.72× | ||
| Q2 24 | -62.57× | 1.35× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
LC
Segment breakdown not available.
NGVC
| Grocery | $243.8M | 73% |
| Dietary Supplements | $60.7M | 18% |
| Manufactured Product Other | $31.0M | 9% |
