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Side-by-side financial comparison of LendingClub Corp (LC) and PAMT CORP (PAMT). Click either name above to swap in a different company.
LendingClub Corp is the larger business by last-quarter revenue ($252.3M vs $141.3M, roughly 1.8× PAMT CORP). LendingClub Corp runs the higher net margin — 20.5% vs -20.7%, a 41.2% gap on every dollar of revenue. On growth, LendingClub Corp posted the faster year-over-year revenue change (15.9% vs -15.1%). Over the past eight quarters, LendingClub Corp's revenue compounded faster (16.1% CAGR vs -12.0%).
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 PAMT — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $252.3M | $141.3M |
| Net Profit | $51.6M | $-29.3M |
| Gross Margin | — | — |
| Operating Margin | — | -27.0% |
| Net Margin | 20.5% | -20.7% |
| Revenue YoY | 15.9% | -15.1% |
| Net Profit YoY | 341.0% | 7.4% |
| EPS (diluted) | $0.44 | $-1.38 |
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 | $141.3M | ||
| Q3 25 | $266.2M | $150.3M | ||
| Q2 25 | $248.4M | $151.1M | ||
| Q1 25 | $217.7M | $155.3M | ||
| Q4 24 | $217.2M | $166.5M | ||
| Q3 24 | $201.9M | $182.6M | ||
| Q2 24 | $187.2M | $182.9M |
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | $-29.3M | ||
| Q3 25 | $44.3M | $-5.6M | ||
| Q2 25 | $38.2M | $-9.6M | ||
| Q1 25 | $11.7M | $-8.1M | ||
| Q4 24 | — | $-31.6M | ||
| Q3 24 | $14.5M | $2.4M | ||
| Q2 24 | $14.9M | $-2.9M |
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | -27.0% | ||
| Q3 25 | 21.5% | -3.8% | ||
| Q2 25 | 21.7% | -7.3% | ||
| Q1 25 | 7.2% | -5.9% | ||
| Q4 24 | 5.1% | -22.6% | ||
| Q3 24 | 8.9% | 1.3% | ||
| Q2 24 | 10.4% | -0.4% |
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | -20.7% | ||
| Q3 25 | 16.6% | -3.7% | ||
| Q2 25 | 15.4% | -6.4% | ||
| Q1 25 | 5.4% | -5.2% | ||
| Q4 24 | — | -19.0% | ||
| Q3 24 | 7.2% | 1.3% | ||
| Q2 24 | 8.0% | -1.6% |
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | $-1.38 | ||
| Q3 25 | $0.37 | $-0.27 | ||
| Q2 25 | $0.33 | $-0.46 | ||
| Q1 25 | $0.10 | $-0.37 | ||
| Q4 24 | $0.08 | $-1.44 | ||
| Q3 24 | $0.13 | $0.11 | ||
| Q2 24 | $0.13 | $-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 | — | $83.7M |
| Total DebtLower is stronger | — | $333.9M |
| Stockholders' EquityBook value | $1.5B | $210.5M |
| Total Assets | $11.9B | $697.9M |
| Debt / EquityLower = less leverage | — | 1.59× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $83.7M | ||
| Q3 25 | — | $115.6M | ||
| Q2 25 | — | $117.3M | ||
| Q1 25 | — | $102.7M | ||
| Q4 24 | — | $110.7M | ||
| Q3 24 | — | $92.3M | ||
| Q2 24 | — | $114.0M |
| Q1 26 | — | — | ||
| Q4 25 | $0 | $333.9M | ||
| Q3 25 | $0 | — | ||
| Q2 25 | $0 | — | ||
| Q1 25 | $0 | — | ||
| Q4 24 | $0 | $325.6M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | $210.5M | ||
| Q3 25 | $1.5B | $239.5M | ||
| Q2 25 | $1.4B | $244.9M | ||
| Q1 25 | $1.4B | $269.6M | ||
| Q4 24 | $1.3B | $277.5M | ||
| Q3 24 | $1.3B | $308.9M | ||
| Q2 24 | $1.3B | $306.7M |
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | $697.9M | ||
| Q3 25 | $11.1B | $715.2M | ||
| Q2 25 | $10.8B | $707.9M | ||
| Q1 25 | $10.5B | $712.6M | ||
| Q4 24 | $10.6B | $741.7M | ||
| Q3 24 | $11.0B | $756.7M | ||
| Q2 24 | $9.6B | $733.5M |
| Q1 26 | — | — | ||
| Q4 25 | 0.00× | 1.59× | ||
| Q3 25 | 0.00× | — | ||
| Q2 25 | 0.00× | — | ||
| Q1 25 | 0.00× | — | ||
| Q4 24 | 0.00× | 1.17× | ||
| 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 | — | $-5.8M |
| Free Cash FlowOCF − Capex | — | $-25.0M |
| FCF MarginFCF / Revenue | — | -17.7% |
| Capex IntensityCapex / Revenue | — | 13.6% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-23.4M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | $-5.8M | ||
| Q3 25 | $-770.8M | $5.9M | ||
| Q2 25 | $-713.1M | $12.2M | ||
| Q1 25 | $-339.3M | $5.0M | ||
| Q4 24 | $-2.6B | $15.2M | ||
| Q3 24 | $-669.8M | $15.5M | ||
| Q2 24 | $-932.5M | $18.7M |
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | $-25.0M | ||
| Q3 25 | $-791.8M | $2.5M | ||
| Q2 25 | $-803.8M | $5.9M | ||
| Q1 25 | $-352.3M | $-6.8M | ||
| Q4 24 | $-2.7B | $-39.9M | ||
| Q3 24 | $-682.3M | $-33.6M | ||
| Q2 24 | $-945.3M | $4.1M |
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | -17.7% | ||
| Q3 25 | -297.4% | 1.7% | ||
| Q2 25 | -323.5% | 3.9% | ||
| Q1 25 | -161.8% | -4.4% | ||
| Q4 24 | -1237.8% | -24.0% | ||
| Q3 24 | -338.0% | -18.4% | ||
| Q2 24 | -504.9% | 2.2% |
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | 13.6% | ||
| Q3 25 | 7.9% | 2.3% | ||
| Q2 25 | 36.5% | 4.2% | ||
| Q1 25 | 6.0% | 7.6% | ||
| Q4 24 | 25.0% | 33.1% | ||
| Q3 24 | 6.2% | 26.9% | ||
| Q2 24 | 6.9% | 8.0% |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | -17.41× | — | ||
| Q2 25 | -18.68× | — | ||
| Q1 25 | -29.07× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | -46.33× | 6.44× | ||
| Q2 24 | -62.57× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
LC
Segment breakdown not available.
PAMT
| Freight Transportation Service | $123.1M | 87% |
| Fuel Surcharge | $18.2M | 13% |
