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CSW INDUSTRIALS, INC.（CSW）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CSW INDUSTRIALS, INC.的1.1倍（$252.3M vs $233.0M），LendingClub Corp净利率更高（20.5% vs 4.4%，领先16.0%），CSW INDUSTRIALS, INC.同比增速更快（20.3% vs 15.9%），过去两年LendingClub Corp的营收复合增速更高（16.1% vs 5.1%）
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。
CSW vs LC — 直观对比
营收规模更大
LC
是对方的1.1倍
$233.0M
营收增速更快
CSW
高出4.4%
15.9%
净利率更高
LC
高出16.0%
4.4%
两年增速更快
LC
近两年复合增速
5.1%
损益表 — Q3 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $233.0M | $252.3M |
| 净利润 | $10.3M | $51.6M |
| 毛利率 | 39.7% | — |
| 营业利润率 | 7.4% | — |
| 净利率 | 4.4% | 20.5% |
| 营收同比 | 20.3% | 15.9% |
| 净利润同比 | -61.9% | 341.0% |
| 每股收益（稀释后） | $0.62 | $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CSWLC
| Q1 26 | — | $252.3M | ||
| Q4 25 | $233.0M | $266.5M | ||
| Q3 25 | $277.0M | $266.2M | ||
| Q2 25 | $263.6M | $248.4M | ||
| Q1 25 | $230.5M | $217.7M | ||
| Q4 24 | $193.6M | $217.2M | ||
| Q3 24 | $227.9M | $201.9M | ||
| Q2 24 | $226.2M | $187.2M |
净利润CSWLC
| Q1 26 | — | $51.6M | ||
| Q4 25 | $10.3M | — | ||
| Q3 25 | $40.7M | $44.3M | ||
| Q2 25 | $40.9M | $38.2M | ||
| Q1 25 | $35.1M | $11.7M | ||
| Q4 24 | $26.9M | — | ||
| Q3 24 | $36.1M | $14.5M | ||
| Q2 24 | $38.6M | $14.9M |
毛利率CSWLC
| Q1 26 | — | — | ||
| Q4 25 | 39.7% | — | ||
| Q3 25 | 43.0% | — | ||
| Q2 25 | 43.8% | — | ||
| Q1 25 | 44.2% | — | ||
| Q4 24 | 41.4% | — | ||
| Q3 24 | 45.6% | — | ||
| Q2 24 | 47.5% | — |
营业利润率CSWLC
| Q1 26 | — | — | ||
| Q4 25 | 7.4% | 18.8% | ||
| Q3 25 | 20.5% | 21.5% | ||
| Q2 25 | 20.8% | 21.7% | ||
| Q1 25 | 19.5% | 7.2% | ||
| Q4 24 | 15.3% | 5.1% | ||
| Q3 24 | 22.6% | 8.9% | ||
| Q2 24 | 24.3% | 10.4% |
净利率CSWLC
| Q1 26 | — | 20.5% | ||
| Q4 25 | 4.4% | — | ||
| Q3 25 | 14.7% | 16.6% | ||
| Q2 25 | 15.5% | 15.4% | ||
| Q1 25 | 15.2% | 5.4% | ||
| Q4 24 | 13.9% | — | ||
| Q3 24 | 15.8% | 7.2% | ||
| Q2 24 | 17.1% | 8.0% |
每股收益（稀释后）CSWLC
| Q1 26 | — | $0.44 | ||
| Q4 25 | $0.62 | $0.36 | ||
| Q3 25 | $2.41 | $0.37 | ||
| Q2 25 | $2.43 | $0.33 | ||
| Q1 25 | $2.05 | $0.10 | ||
| Q4 24 | $1.60 | $0.08 | ||
| Q3 24 | $2.26 | $0.13 | ||
| Q2 24 | $2.47 | $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 | $40.2M | — |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.1B | $1.5B |
| 总资产 | $2.3B | $11.9B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资CSWLC
| Q1 26 | — | — | ||
| Q4 25 | $40.2M | — | ||
| Q3 25 | $31.5M | — | ||
| Q2 25 | $38.0M | — | ||
| Q1 25 | $225.8M | — | ||
| Q4 24 | $213.8M | — | ||
| Q3 24 | $273.2M | — | ||
| Q2 24 | $18.9M | — |
总债务CSWLC
| Q1 26 | — | — | ||
| Q4 25 | — | $0 | ||
| Q3 25 | — | $0 | ||
| Q2 25 | — | $0 | ||
| Q1 25 | $800.1M | $0 | ||
| Q4 24 | — | $0 | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益CSWLC
| Q1 26 | — | $1.5B | ||
| Q4 25 | $1.1B | $1.5B | ||
| Q3 25 | $1.1B | $1.5B | ||
| Q2 25 | $1.1B | $1.4B | ||
| Q1 25 | $1.1B | $1.4B | ||
| Q4 24 | $1.0B | $1.3B | ||
| Q3 24 | $1.0B | $1.3B | ||
| Q2 24 | $650.2M | $1.3B |
总资产CSWLC
| Q1 26 | — | $11.9B | ||
| Q4 25 | $2.3B | $11.6B | ||
| Q3 25 | $1.5B | $11.1B | ||
| Q2 25 | $1.5B | $10.8B | ||
| Q1 25 | $1.4B | $10.5B | ||
| Q4 24 | $1.4B | $10.6B | ||
| Q3 24 | $1.4B | $11.0B | ||
| Q2 24 | $1.1B | $9.6B |
负债/权益比CSWLC
| Q1 26 | — | — | ||
| Q4 25 | — | 0.00× | ||
| Q3 25 | — | 0.00× | ||
| Q2 25 | — | 0.00× | ||
| Q1 25 | 0.75× | 0.00× | ||
| Q4 24 | — | 0.00× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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 | $28.9M | — |
| 自由现金流经营现金流 - 资本支出 | $22.7M | — |
| 自由现金流率自由现金流/营收 | 9.8% | — |
| 资本支出强度资本支出/营收 | 2.6% | — |
| 现金转化率经营现金流/净利润 | 2.81× | — |
| 过去12个月自由现金流最近4个季度 | $162.0M | — |
8季度趋势，按日历期对齐
经营现金流CSWLC
| Q1 26 | — | — | ||
| Q4 25 | $28.9M | $-2.7B | ||
| Q3 25 | $61.8M | $-770.8M | ||
| Q2 25 | $60.6M | $-713.1M | ||
| Q1 25 | $27.3M | $-339.3M | ||
| Q4 24 | $11.6M | $-2.6B | ||
| Q3 24 | $66.8M | $-669.8M | ||
| Q2 24 | $62.7M | $-932.5M |
自由现金流CSWLC
| Q1 26 | — | — | ||
| Q4 25 | $22.7M | $-2.9B | ||
| Q3 25 | $58.7M | $-791.8M | ||
| Q2 25 | $57.7M | $-803.8M | ||
| Q1 25 | $22.8M | $-352.3M | ||
| Q4 24 | $8.5M | $-2.7B | ||
| Q3 24 | $61.3M | $-682.3M | ||
| Q2 24 | $59.6M | $-945.3M |
自由现金流率CSWLC
| Q1 26 | — | — | ||
| Q4 25 | 9.8% | -1076.0% | ||
| Q3 25 | 21.2% | -297.4% | ||
| Q2 25 | 21.9% | -323.5% | ||
| Q1 25 | 9.9% | -161.8% | ||
| Q4 24 | 4.4% | -1237.8% | ||
| Q3 24 | 26.9% | -338.0% | ||
| Q2 24 | 26.3% | -504.9% |
资本支出强度CSWLC
| Q1 26 | — | — | ||
| Q4 25 | 2.6% | 52.7% | ||
| Q3 25 | 1.1% | 7.9% | ||
| Q2 25 | 1.1% | 36.5% | ||
| Q1 25 | 2.0% | 6.0% | ||
| Q4 24 | 1.6% | 25.0% | ||
| Q3 24 | 2.4% | 6.2% | ||
| Q2 24 | 1.4% | 6.9% |
现金转化率CSWLC
| Q1 26 | — | — | ||
| Q4 25 | 2.81× | — | ||
| Q3 25 | 1.52× | -17.41× | ||
| Q2 25 | 1.48× | -18.68× | ||
| Q1 25 | 0.78× | -29.07× | ||
| Q4 24 | 0.43× | — | ||
| Q3 24 | 1.85× | -46.33× | ||
| Q2 24 | 1.62× | -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
CSW
| Contractor Solutions Segment | $166.3M | 71% |
| Specialized Reliability Solutions Segment | $38.2M | 16% |
| Engineered Building Solutions Segment | $28.5M | 12% |
LC
暂无分部数据
