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Side-by-side financial comparison of LendingClub Corp (LC) and Pangaea Logistics Solutions Ltd. (PANL). Click either name above to swap in a different company.
LendingClub Corp is the larger business by last-quarter revenue ($252.3M vs $183.9M, roughly 1.4× Pangaea Logistics Solutions Ltd.). LendingClub Corp runs the higher net margin — 20.5% vs 6.5%, a 14.0% gap on every dollar of revenue. On growth, Pangaea Logistics Solutions Ltd. posted the faster year-over-year revenue change (24.9% vs 15.9%). Over the past eight quarters, Pangaea Logistics Solutions Ltd.'s revenue compounded faster (32.5% CAGR vs 16.1%).
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.
Pangaea Logistics Solutions Ltd. is a global dry bulk logistics and shipping service provider. It operates a modern fleet of dry bulk vessels to transport a wide range of commodities including grains, minerals, construction materials, and energy-related raw materials, serving industrial, agricultural, and energy sector clients across North America, Europe, and Asia with tailored end-to-end bulk cargo supply chain solutions.
LC vs PANL — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $252.3M | $183.9M |
| Net Profit | $51.6M | $11.9M |
| Gross Margin | — | — |
| Operating Margin | — | 9.5% |
| Net Margin | 20.5% | 6.5% |
| Revenue YoY | 15.9% | 24.9% |
| Net Profit YoY | 341.0% | 40.9% |
| EPS (diluted) | $0.44 | $0.18 |
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 | $183.9M | ||
| Q3 25 | $266.2M | $168.7M | ||
| Q2 25 | $248.4M | $156.7M | ||
| Q1 25 | $217.7M | $122.8M | ||
| Q4 24 | $217.2M | $147.2M | ||
| Q3 24 | $201.9M | $153.1M | ||
| Q2 24 | $187.2M | $131.5M |
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | $11.9M | ||
| Q3 25 | $44.3M | $12.2M | ||
| Q2 25 | $38.2M | $-2.7M | ||
| Q1 25 | $11.7M | $-2.0M | ||
| Q4 24 | — | $8.4M | ||
| Q3 24 | $14.5M | $5.1M | ||
| Q2 24 | $14.9M | $3.7M |
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | 9.5% | ||
| Q3 25 | 21.5% | 10.0% | ||
| Q2 25 | 21.7% | 2.3% | ||
| Q1 25 | 7.2% | 2.4% | ||
| Q4 24 | 5.1% | 10.1% | ||
| Q3 24 | 8.9% | 9.8% | ||
| Q2 24 | 10.4% | 5.8% |
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | 6.5% | ||
| Q3 25 | 16.6% | 7.2% | ||
| Q2 25 | 15.4% | -1.8% | ||
| Q1 25 | 5.4% | -1.6% | ||
| Q4 24 | — | 5.7% | ||
| Q3 24 | 7.2% | 3.3% | ||
| Q2 24 | 8.0% | 2.8% |
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | $0.18 | ||
| Q3 25 | $0.37 | $0.19 | ||
| Q2 25 | $0.33 | $-0.04 | ||
| Q1 25 | $0.10 | $-0.03 | ||
| Q4 24 | $0.08 | $0.19 | ||
| Q3 24 | $0.13 | $0.11 | ||
| Q2 24 | $0.13 | $0.08 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $103.1M |
| Total DebtLower is stronger | — | $249.6M |
| Stockholders' EquityBook value | $1.5B | $429.3M |
| Total Assets | $11.9B | $928.1M |
| Debt / EquityLower = less leverage | — | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $103.1M | ||
| Q3 25 | — | $94.0M | ||
| Q2 25 | — | $59.3M | ||
| Q1 25 | — | $63.9M | ||
| Q4 24 | — | $86.8M | ||
| Q3 24 | — | $93.1M | ||
| Q2 24 | — | $77.9M |
| Q1 26 | — | — | ||
| Q4 25 | $0 | $249.6M | ||
| Q3 25 | $0 | $256.2M | ||
| Q2 25 | $0 | $244.7M | ||
| Q1 25 | $0 | $251.0M | ||
| Q4 24 | $0 | $257.2M | ||
| Q3 24 | — | $133.6M | ||
| Q2 24 | — | $90.5M |
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | $429.3M | ||
| Q3 25 | $1.5B | $420.3M | ||
| Q2 25 | $1.4B | $414.4M | ||
| Q1 25 | $1.4B | $420.8M | ||
| Q4 24 | $1.3B | $427.8M | ||
| Q3 24 | $1.3B | $332.6M | ||
| Q2 24 | $1.3B | $331.5M |
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | $928.1M | ||
| Q3 25 | $11.1B | $932.1M | ||
| Q2 25 | $10.8B | $916.0M | ||
| Q1 25 | $10.5B | $918.0M | ||
| Q4 24 | $10.6B | $936.5M | ||
| Q3 24 | $11.0B | $749.2M | ||
| Q2 24 | $9.6B | $692.9M |
| Q1 26 | — | — | ||
| Q4 25 | 0.00× | 0.58× | ||
| Q3 25 | 0.00× | 0.61× | ||
| Q2 25 | 0.00× | 0.59× | ||
| Q1 25 | 0.00× | 0.60× | ||
| Q4 24 | 0.00× | 0.60× | ||
| Q3 24 | — | 0.40× | ||
| Q2 24 | — | 0.27× |
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 | — | $15.1M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | — | 1.27× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | $15.1M | ||
| Q3 25 | $-770.8M | $28.6M | ||
| Q2 25 | $-713.1M | $14.4M | ||
| Q1 25 | $-339.3M | $-4.4M | ||
| Q4 24 | $-2.6B | $19.3M | ||
| Q3 24 | $-669.8M | $28.5M | ||
| Q2 24 | $-932.5M | $9.0M |
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | — | ||
| Q3 25 | $-791.8M | — | ||
| Q2 25 | $-803.8M | — | ||
| Q1 25 | $-352.3M | — | ||
| Q4 24 | $-2.7B | — | ||
| Q3 24 | $-682.3M | — | ||
| Q2 24 | $-945.3M | — |
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | — | ||
| Q3 25 | -297.4% | — | ||
| Q2 25 | -323.5% | — | ||
| Q1 25 | -161.8% | — | ||
| Q4 24 | -1237.8% | — | ||
| Q3 24 | -338.0% | — | ||
| Q2 24 | -504.9% | — |
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | — | ||
| Q3 25 | 7.9% | — | ||
| Q2 25 | 36.5% | — | ||
| Q1 25 | 6.0% | — | ||
| Q4 24 | 25.0% | — | ||
| Q3 24 | 6.2% | — | ||
| Q2 24 | 6.9% | — |
| Q1 26 | — | — | ||
| Q4 25 | — | 1.27× | ||
| Q3 25 | -17.41× | 2.34× | ||
| Q2 25 | -18.68× | — | ||
| Q1 25 | -29.07× | — | ||
| Q4 24 | — | 2.29× | ||
| Q3 24 | -46.33× | 5.57× | ||
| Q2 24 | -62.57× | 2.43× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
LC
Segment breakdown not available.
PANL
| Voyage | $166.3M | 90% |
| Charter | $13.1M | 7% |
| Terminal Stevedore Revenue | $4.4M | 2% |
