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AIR LEASE CORP（AL）与LendingClub Corp（LC）财务数据对比。点击上方公司名可切换其他公司
LendingClub Corp的季度营收约是AIR LEASE CORP的1.8倍（$252.3M vs $140.8M），AIR LEASE CORP净利率更高（128.5% vs 20.5%，领先108.0%），AIR LEASE CORP同比增速更快（90.4% vs 15.9%），过去两年AIR LEASE CORP的营收复合增速更高（69.6% vs 16.1%）
航空租赁公司（ALC）是2010年成立的美国飞机租赁企业，由史蒂文·F·乌德瓦-哈齐执掌运营。公司直接向波音、空客、巴航工业、ATR采购全新商用飞机，为全球各地航空公司客户提供专业的飞机租赁及融资服务。
LendingClub Corp是总部位于美国加利福尼亚州旧金山的金融服务企业，是全球首家将旗下产品作为证券完成注册的P2P借贷平台，同时支持贷款在二级市场交易。巅峰时期它是全球规模最大的P2P借贷平台，截至2015年12月31日，平台累计促成贷款发放额达159.8亿美元。
AL vs LC — 直观对比
营收规模更大
LC
是对方的1.8倍
$140.8M
营收增速更快
AL
高出74.5%
15.9%
净利率更高
AL
高出108.0%
20.5%
两年增速更快
AL
近两年复合增速
16.1%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $140.8M | $252.3M |
| 净利润 | $180.9M | $51.6M |
| 毛利率 | — | — |
| 营业利润率 | — | — |
| 净利率 | 128.5% | 20.5% |
| 营收同比 | 90.4% | 15.9% |
| 净利润同比 | 60.2% | 341.0% |
| 每股收益（稀释后） | $1.49 | $0.44 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收ALLC
| Q1 26 | — | $252.3M | ||
| Q4 25 | $140.8M | $266.5M | ||
| Q3 25 | $44.5M | $266.2M | ||
| Q2 25 | $53.0M | $248.4M | ||
| Q1 25 | $92.9M | $217.7M | ||
| Q4 24 | $74.0M | $217.2M | ||
| Q3 24 | $65.0M | $201.9M | ||
| Q2 24 | $57.8M | $187.2M |
净利润ALLC
| Q1 26 | — | $51.6M | ||
| Q4 25 | $180.9M | — | ||
| Q3 25 | $146.5M | $44.3M | ||
| Q2 25 | $385.2M | $38.2M | ||
| Q1 25 | $375.8M | $11.7M | ||
| Q4 24 | $112.9M | — | ||
| Q3 24 | $104.0M | $14.5M | ||
| Q2 24 | $102.9M | $14.9M |
营业利润率ALLC
| Q1 26 | — | — | ||
| Q4 25 | — | 18.8% | ||
| Q3 25 | — | 21.5% | ||
| Q2 25 | — | 21.7% | ||
| Q1 25 | — | 7.2% | ||
| Q4 24 | — | 5.1% | ||
| Q3 24 | — | 8.9% | ||
| Q2 24 | — | 10.4% |
净利率ALLC
| Q1 26 | — | 20.5% | ||
| Q4 25 | 128.5% | — | ||
| Q3 25 | 329.2% | 16.6% | ||
| Q2 25 | 726.9% | 15.4% | ||
| Q1 25 | 404.5% | 5.4% | ||
| Q4 24 | 152.7% | — | ||
| Q3 24 | 160.0% | 7.2% | ||
| Q2 24 | 178.2% | 8.0% |
每股收益（稀释后）ALLC
| Q1 26 | — | $0.44 | ||
| Q4 25 | $1.49 | $0.36 | ||
| Q3 25 | $1.21 | $0.37 | ||
| Q2 25 | $3.33 | $0.33 | ||
| Q1 25 | $3.26 | $0.10 | ||
| Q4 24 | $0.83 | $0.08 | ||
| Q3 24 | $0.82 | $0.13 | ||
| Q2 24 | $0.81 | $0.13 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $466.4M | — |
| 总债务越低越好 | $19.7B | — |
| 股东权益账面价值 | $8.5B | $1.5B |
| 总资产 | $32.9B | $11.9B |
| 负债/权益比越低杠杆越低 | 2.33× | — |
8季度趋势，按日历期对齐
现金及短期投资ALLC
| Q1 26 | — | — | ||
| Q4 25 | $466.4M | — | ||
| Q3 25 | $452.2M | — | ||
| Q2 25 | $454.8M | — | ||
| Q1 25 | $456.6M | — | ||
| Q4 24 | $472.6M | — | ||
| Q3 24 | $460.8M | — | ||
| Q2 24 | $454.1M | — |
总债务ALLC
| Q1 26 | — | — | ||
| Q4 25 | $19.7B | $0 | ||
| Q3 25 | $20.2B | $0 | ||
| Q2 25 | $20.3B | $0 | ||
| Q1 25 | $19.9B | $0 | ||
| Q4 24 | $20.2B | $0 | ||
| Q3 24 | $20.2B | — | ||
| Q2 24 | $19.7B | — |
股东权益ALLC
| Q1 26 | — | $1.5B | ||
| Q4 25 | $8.5B | $1.5B | ||
| Q3 25 | $8.3B | $1.5B | ||
| Q2 25 | $8.2B | $1.4B | ||
| Q1 25 | $7.9B | $1.4B | ||
| Q4 24 | $7.5B | $1.3B | ||
| Q3 24 | $7.7B | $1.3B | ||
| Q2 24 | $7.3B | $1.3B |
总资产ALLC
| Q1 26 | — | $11.9B | ||
| Q4 25 | $32.9B | $11.6B | ||
| Q3 25 | $33.4B | $11.1B | ||
| Q2 25 | $33.3B | $10.8B | ||
| Q1 25 | $32.4B | $10.5B | ||
| Q4 24 | $32.3B | $10.6B | ||
| Q3 24 | $32.2B | $11.0B | ||
| Q2 24 | $31.0B | $9.6B |
负债/权益比ALLC
| Q1 26 | — | — | ||
| Q4 25 | 2.33× | 0.00× | ||
| Q3 25 | 2.42× | 0.00× | ||
| Q2 25 | 2.47× | 0.00× | ||
| Q1 25 | 2.53× | 0.00× | ||
| Q4 24 | 2.68× | 0.00× | ||
| Q3 24 | 2.63× | — | ||
| Q2 24 | 2.69× | — |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $414.1M | — |
| 自由现金流经营现金流 - 资本支出 | $342.1M | — |
| 自由现金流率自由现金流/营收 | 242.9% | — |
| 资本支出强度资本支出/营收 | 51.1% | — |
| 现金转化率经营现金流/净利润 | 2.29× | — |
| 过去12个月自由现金流最近4个季度 | $1.5B | — |
8季度趋势，按日历期对齐
经营现金流ALLC
| Q1 26 | — | — | ||
| Q4 25 | $414.1M | $-2.7B | ||
| Q3 25 | $458.6M | $-770.8M | ||
| Q2 25 | $473.6M | $-713.1M | ||
| Q1 25 | $388.3M | $-339.3M | ||
| Q4 24 | $430.0M | $-2.6B | ||
| Q3 24 | $461.9M | $-669.8M | ||
| Q2 24 | $413.8M | $-932.5M |
自由现金流ALLC
| Q1 26 | — | — | ||
| Q4 25 | $342.1M | $-2.9B | ||
| Q3 25 | $412.3M | $-791.8M | ||
| Q2 25 | $427.1M | $-803.8M | ||
| Q1 25 | $315.5M | $-352.3M | ||
| Q4 24 | $326.8M | $-2.7B | ||
| Q3 24 | $369.8M | $-682.3M | ||
| Q2 24 | $346.4M | $-945.3M |
自由现金流率ALLC
| Q1 26 | — | — | ||
| Q4 25 | 242.9% | -1076.0% | ||
| Q3 25 | 926.6% | -297.4% | ||
| Q2 25 | 806.0% | -323.5% | ||
| Q1 25 | 339.5% | -161.8% | ||
| Q4 24 | 441.8% | -1237.8% | ||
| Q3 24 | 569.1% | -338.0% | ||
| Q2 24 | 599.5% | -504.9% |
资本支出强度ALLC
| Q1 26 | — | — | ||
| Q4 25 | 51.1% | 52.7% | ||
| Q3 25 | 104.1% | 7.9% | ||
| Q2 25 | 87.8% | 36.5% | ||
| Q1 25 | 78.4% | 6.0% | ||
| Q4 24 | 139.6% | 25.0% | ||
| Q3 24 | 141.7% | 6.2% | ||
| Q2 24 | 116.7% | 6.9% |
现金转化率ALLC
| Q1 26 | — | — | ||
| Q4 25 | 2.29× | — | ||
| Q3 25 | 3.13× | -17.41× | ||
| Q2 25 | 1.23× | -18.68× | ||
| Q1 25 | 1.03× | -29.07× | ||
| Q4 24 | 3.81× | — | ||
| Q3 24 | 4.44× | -46.33× | ||
| Q2 24 | 4.02× | -62.57× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
