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Side-by-side financial comparison of LendingClub Corp (LC) and ONESPAWORLD HOLDINGS Ltd (OSW). Click either name above to swap in a different company.
LendingClub Corp is the larger business by last-quarter revenue ($252.3M vs $242.1M, roughly 1.0× ONESPAWORLD HOLDINGS Ltd). LendingClub Corp runs the higher net margin — 20.5% vs 5.0%, a 15.5% gap on every dollar of revenue. On growth, LendingClub Corp posted the faster year-over-year revenue change (15.9% vs 11.5%). Over the past eight quarters, LendingClub Corp's revenue compounded faster (16.1% CAGR vs 7.1%).
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.
LC vs OSW — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $252.3M | $242.1M |
| Net Profit | $51.6M | $12.1M |
| Gross Margin | — | — |
| Operating Margin | — | 6.8% |
| Net Margin | 20.5% | 5.0% |
| Revenue YoY | 15.9% | 11.5% |
| Net Profit YoY | 341.0% | -16.2% |
| EPS (diluted) | $0.44 | $0.12 |
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 | $242.1M | ||
| Q3 25 | $266.2M | $258.5M | ||
| Q2 25 | $248.4M | $240.7M | ||
| Q1 25 | $217.7M | $219.6M | ||
| Q4 24 | $217.2M | $217.2M | ||
| Q3 24 | $201.9M | $241.7M | ||
| Q2 24 | $187.2M | $224.9M |
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | $12.1M | ||
| Q3 25 | $44.3M | $24.3M | ||
| Q2 25 | $38.2M | $19.9M | ||
| Q1 25 | $11.7M | $15.3M | ||
| Q4 24 | — | $14.4M | ||
| Q3 24 | $14.5M | $21.6M | ||
| Q2 24 | $14.9M | $15.8M |
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | 6.8% | ||
| Q3 25 | 21.5% | 10.2% | ||
| Q2 25 | 21.7% | 9.2% | ||
| Q1 25 | 7.2% | 7.7% | ||
| Q4 24 | 5.1% | 7.9% | ||
| Q3 24 | 8.9% | 10.3% | ||
| Q2 24 | 10.4% | 8.4% |
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | 5.0% | ||
| Q3 25 | 16.6% | 9.4% | ||
| Q2 25 | 15.4% | 8.3% | ||
| Q1 25 | 5.4% | 7.0% | ||
| Q4 24 | — | 6.6% | ||
| Q3 24 | 7.2% | 8.9% | ||
| Q2 24 | 8.0% | 7.0% |
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | $0.12 | ||
| Q3 25 | $0.37 | $0.23 | ||
| Q2 25 | $0.33 | $0.19 | ||
| Q1 25 | $0.10 | $0.15 | ||
| Q4 24 | $0.08 | $0.13 | ||
| Q3 24 | $0.13 | $0.20 | ||
| Q2 24 | $0.13 | $0.15 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $16.3M |
| Total DebtLower is stronger | — | $84.0M |
| Stockholders' EquityBook value | $1.5B | $542.6M |
| Total Assets | $11.9B | $707.1M |
| Debt / EquityLower = less leverage | — | 0.15× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $16.3M | ||
| Q3 25 | — | $29.6M | ||
| Q2 25 | — | $35.0M | ||
| Q1 25 | — | $22.6M | ||
| Q4 24 | — | $57.4M | ||
| Q3 24 | — | $48.8M | ||
| Q2 24 | — | $62.5M |
| Q1 26 | — | — | ||
| Q4 25 | $0 | $84.0M | ||
| Q3 25 | $0 | $85.2M | ||
| Q2 25 | $0 | $96.2M | ||
| Q1 25 | $0 | $97.4M | ||
| Q4 24 | $0 | $98.6M | ||
| Q3 24 | — | $98.7M | ||
| Q2 24 | — | $123.8M |
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | $542.6M | ||
| Q3 25 | $1.5B | $552.8M | ||
| Q2 25 | $1.4B | $548.3M | ||
| Q1 25 | $1.4B | $530.6M | ||
| Q4 24 | $1.3B | $554.5M | ||
| Q3 24 | $1.3B | $540.1M | ||
| Q2 24 | $1.3B | $532.7M |
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | $707.1M | ||
| Q3 25 | $11.1B | $732.6M | ||
| Q2 25 | $10.8B | $731.8M | ||
| Q1 25 | $10.5B | $708.7M | ||
| Q4 24 | $10.6B | $746.4M | ||
| Q3 24 | $11.0B | $734.0M | ||
| Q2 24 | $9.6B | $756.8M |
| Q1 26 | — | — | ||
| Q4 25 | 0.00× | 0.15× | ||
| Q3 25 | 0.00× | 0.15× | ||
| Q2 25 | 0.00× | 0.18× | ||
| Q1 25 | 0.00× | 0.18× | ||
| Q4 24 | 0.00× | 0.18× | ||
| Q3 24 | — | 0.18× | ||
| Q2 24 | — | 0.23× |
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 | — | $20.0M |
| Free Cash FlowOCF − Capex | — | $14.9M |
| FCF MarginFCF / Revenue | — | 6.2% |
| Capex IntensityCapex / Revenue | — | 2.1% |
| Cash ConversionOCF / Net Profit | — | 1.65× |
| TTM Free Cash FlowTrailing 4 quarters | — | $68.4M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | $20.0M | ||
| Q3 25 | $-770.8M | $33.2M | ||
| Q2 25 | $-713.1M | $20.3M | ||
| Q1 25 | $-339.3M | $10.1M | ||
| Q4 24 | $-2.6B | $16.6M | ||
| Q3 24 | $-669.8M | $28.6M | ||
| Q2 24 | $-932.5M | $18.7M |
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | $14.9M | ||
| Q3 25 | $-791.8M | $27.6M | ||
| Q2 25 | $-803.8M | $17.6M | ||
| Q1 25 | $-352.3M | $8.4M | ||
| Q4 24 | $-2.7B | $13.2M | ||
| Q3 24 | $-682.3M | $27.5M | ||
| Q2 24 | $-945.3M | $17.6M |
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | 6.2% | ||
| Q3 25 | -297.4% | 10.7% | ||
| Q2 25 | -323.5% | 7.3% | ||
| Q1 25 | -161.8% | 3.8% | ||
| Q4 24 | -1237.8% | 6.1% | ||
| Q3 24 | -338.0% | 11.4% | ||
| Q2 24 | -504.9% | 7.8% |
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | 2.1% | ||
| Q3 25 | 7.9% | 2.2% | ||
| Q2 25 | 36.5% | 1.1% | ||
| Q1 25 | 6.0% | 0.8% | ||
| Q4 24 | 25.0% | 1.5% | ||
| Q3 24 | 6.2% | 0.5% | ||
| Q2 24 | 6.9% | 0.5% |
| Q1 26 | — | — | ||
| Q4 25 | — | 1.65× | ||
| Q3 25 | -17.41× | 1.36× | ||
| Q2 25 | -18.68× | 1.02× | ||
| Q1 25 | -29.07× | 0.66× | ||
| Q4 24 | — | 1.15× | ||
| Q3 24 | -46.33× | 1.33× | ||
| Q2 24 | -62.57× | 1.19× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
LC
Segment breakdown not available.
OSW
| Services | $197.3M | 82% |
| Products | $44.8M | 18% |
