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南玻集团（CSGS）与LendingClub Corp（LC）财务数据对比。点击上方公司名可切换其他公司
南玻集团的季度营收约是LendingClub Corp的1.3倍（$323.1M vs $252.3M），LendingClub Corp净利率更高（20.5% vs 2.2%，领先18.3%），LendingClub Corp同比增速更快（15.9% vs 2.0%），过去两年LendingClub Corp的营收复合增速更高（16.1% vs 4.6%）
中国南玻集团股份有限公司是中国规模最大的建筑玻璃生产商，业务涵盖浮法玻璃、建筑玻璃、显示玻璃、汽车玻璃、镀膜玻璃、镜子、彩滤玻璃、太阳能玻璃及节能玻璃等各类玻璃产品的研发、生产与销售，产品广泛应用于建筑、消费电子、新能源汽车、光伏等多个领域。
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。
CSGS vs LC — 直观对比
营收规模更大
CSGS
是对方的1.3倍
$252.3M
营收增速更快
LC
高出13.9%
2.0%
净利率更高
LC
高出18.3%
2.2%
两年增速更快
LC
近两年复合增速
4.6%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $323.1M | $252.3M |
| 净利润 | $7.0M | $51.6M |
| 毛利率 | 50.0% | — |
| 营业利润率 | 9.0% | — |
| 净利率 | 2.2% | 20.5% |
| 营收同比 | 2.0% | 15.9% |
| 净利润同比 | -79.7% | 341.0% |
| 每股收益（稀释后） | $0.24 | $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CSGSLC
| Q1 26 | — | $252.3M | ||
| Q4 25 | $323.1M | $266.5M | ||
| Q3 25 | $303.6M | $266.2M | ||
| Q2 25 | $297.1M | $248.4M | ||
| Q1 25 | $299.5M | $217.7M | ||
| Q4 24 | $316.7M | $217.2M | ||
| Q3 24 | $295.1M | $201.9M | ||
| Q2 24 | $290.3M | $187.2M |
净利润CSGSLC
| Q1 26 | — | $51.6M | ||
| Q4 25 | $7.0M | — | ||
| Q3 25 | $20.5M | $44.3M | ||
| Q2 25 | $12.3M | $38.2M | ||
| Q1 25 | $16.1M | $11.7M | ||
| Q4 24 | $34.5M | — | ||
| Q3 24 | $19.1M | $14.5M | ||
| Q2 24 | $13.8M | $14.9M |
毛利率CSGSLC
| Q1 26 | — | — | ||
| Q4 25 | 50.0% | — | ||
| Q3 25 | 48.1% | — | ||
| Q2 25 | 49.5% | — | ||
| Q1 25 | 48.4% | — | ||
| Q4 24 | 51.3% | — | ||
| Q3 24 | 49.4% | — | ||
| Q2 24 | 47.3% | — |
营业利润率CSGSLC
| Q1 26 | — | — | ||
| Q4 25 | 9.0% | 18.8% | ||
| Q3 25 | 10.0% | 21.5% | ||
| Q2 25 | 10.0% | 21.7% | ||
| Q1 25 | 9.8% | 7.2% | ||
| Q4 24 | 13.4% | 5.1% | ||
| Q3 24 | 10.8% | 8.9% | ||
| Q2 24 | 8.8% | 10.4% |
净利率CSGSLC
| Q1 26 | — | 20.5% | ||
| Q4 25 | 2.2% | — | ||
| Q3 25 | 6.7% | 16.6% | ||
| Q2 25 | 4.1% | 15.4% | ||
| Q1 25 | 5.4% | 5.4% | ||
| Q4 24 | 10.9% | — | ||
| Q3 24 | 6.5% | 7.2% | ||
| Q2 24 | 4.8% | 8.0% |
每股收益（稀释后）CSGSLC
| Q1 26 | — | $0.44 | ||
| Q4 25 | $0.24 | $0.36 | ||
| Q3 25 | $0.73 | $0.37 | ||
| Q2 25 | $0.44 | $0.33 | ||
| Q1 25 | $0.57 | $0.10 | ||
| Q4 24 | $1.20 | $0.08 | ||
| Q3 24 | $0.67 | $0.13 | ||
| Q2 24 | $0.48 | $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 | $180.0M | — |
| 总债务越低越好 | $539.5M | — |
| 股东权益账面价值 | $283.7M | $1.5B |
| 总资产 | $1.5B | $11.9B |
| 负债/权益比越低杠杆越低 | 1.90× | — |
8季度趋势，按日历期对齐
现金及短期投资CSGSLC
| Q1 26 | — | — | ||
| Q4 25 | $180.0M | — | ||
| Q3 25 | $158.4M | — | ||
| Q2 25 | $145.9M | — | ||
| Q1 25 | $136.0M | — | ||
| Q4 24 | $161.8M | — | ||
| Q3 24 | $118.4M | — | ||
| Q2 24 | $110.4M | — |
总债务CSGSLC
| Q1 26 | — | — | ||
| Q4 25 | $539.5M | $0 | ||
| Q3 25 | $538.6M | $0 | ||
| Q2 25 | $537.8M | $0 | ||
| Q1 25 | $537.6M | $0 | ||
| Q4 24 | $538.5M | $0 | ||
| Q3 24 | $539.5M | — | ||
| Q2 24 | $540.5M | — |
股东权益CSGSLC
| Q1 26 | — | $1.5B | ||
| Q4 25 | $283.7M | $1.5B | ||
| Q3 25 | $289.5M | $1.5B | ||
| Q2 25 | $290.7M | $1.4B | ||
| Q1 25 | $283.1M | $1.4B | ||
| Q4 24 | $282.6M | $1.3B | ||
| Q3 24 | $288.4M | $1.3B | ||
| Q2 24 | $273.3M | $1.3B |
总资产CSGSLC
| Q1 26 | — | $11.9B | ||
| Q4 25 | $1.5B | $11.6B | ||
| Q3 25 | $1.5B | $11.1B | ||
| Q2 25 | $1.4B | $10.8B | ||
| Q1 25 | $1.4B | $10.5B | ||
| Q4 24 | $1.5B | $10.6B | ||
| Q3 24 | $1.4B | $11.0B | ||
| Q2 24 | $1.4B | $9.6B |
负债/权益比CSGSLC
| Q1 26 | — | — | ||
| Q4 25 | 1.90× | 0.00× | ||
| Q3 25 | 1.86× | 0.00× | ||
| Q2 25 | 1.85× | 0.00× | ||
| Q1 25 | 1.90× | 0.00× | ||
| Q4 24 | 1.91× | 0.00× | ||
| Q3 24 | 1.87× | — | ||
| Q2 24 | 1.98× | — |
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 | $59.2M | — |
| 自由现金流经营现金流 - 资本支出 | $55.8M | — |
| 自由现金流率自由现金流/营收 | 17.3% | — |
| 资本支出强度资本支出/营收 | 1.1% | — |
| 现金转化率经营现金流/净利润 | 8.46× | — |
| 过去12个月自由现金流最近4个季度 | $141.4M | — |
8季度趋势，按日历期对齐
经营现金流CSGSLC
| Q1 26 | — | — | ||
| Q4 25 | $59.2M | $-2.7B | ||
| Q3 25 | $47.9M | $-770.8M | ||
| Q2 25 | $37.3M | $-713.1M | ||
| Q1 25 | $11.5M | $-339.3M | ||
| Q4 24 | $82.5M | $-2.6B | ||
| Q3 24 | $39.5M | $-669.8M | ||
| Q2 24 | $43.1M | $-932.5M |
自由现金流CSGSLC
| Q1 26 | — | — | ||
| Q4 25 | $55.8M | $-2.9B | ||
| Q3 25 | $43.9M | $-791.8M | ||
| Q2 25 | $34.6M | $-803.8M | ||
| Q1 25 | $7.1M | $-352.3M | ||
| Q4 24 | $76.6M | $-2.7B | ||
| Q3 24 | $32.0M | $-682.3M | ||
| Q2 24 | $38.8M | $-945.3M |
自由现金流率CSGSLC
| Q1 26 | — | — | ||
| Q4 25 | 17.3% | -1076.0% | ||
| Q3 25 | 14.5% | -297.4% | ||
| Q2 25 | 11.6% | -323.5% | ||
| Q1 25 | 2.4% | -161.8% | ||
| Q4 24 | 24.2% | -1237.8% | ||
| Q3 24 | 10.8% | -338.0% | ||
| Q2 24 | 13.4% | -504.9% |
资本支出强度CSGSLC
| Q1 26 | — | — | ||
| Q4 25 | 1.1% | 52.7% | ||
| Q3 25 | 1.3% | 7.9% | ||
| Q2 25 | 0.9% | 36.5% | ||
| Q1 25 | 1.5% | 6.0% | ||
| Q4 24 | 1.9% | 25.0% | ||
| Q3 24 | 2.5% | 6.2% | ||
| Q2 24 | 1.5% | 6.9% |
现金转化率CSGSLC
| Q1 26 | — | — | ||
| Q4 25 | 8.46× | — | ||
| Q3 25 | 2.34× | -17.41× | ||
| Q2 25 | 3.04× | -18.68× | ||
| Q1 25 | 0.71× | -29.07× | ||
| Q4 24 | 2.39× | — | ||
| Q3 24 | 2.07× | -46.33× | ||
| Q2 24 | 3.12× | -62.57× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
CSGS
| Software As A Service And Related Solutions | $287.2M | 89% |
| License And Service | $22.6M | 7% |
| Maintenance | $13.3M | 4% |
LC
暂无分部数据
