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Dayforce（DAY）与LendingClub Corp（LC）财务数据对比。点击上方公司名可切换其他公司
Dayforce的季度营收约是LendingClub Corp的1.9倍（$481.6M vs $252.3M），LendingClub Corp净利率更高（20.5% vs -40.9%，领先61.3%），LendingClub Corp同比增速更快（15.9% vs 9.5%），过去两年LendingClub Corp的营收复合增速更高（16.1% vs 9.8%）
Dayforce前身为知名人力资源服务商Ceridian，是一家总部位于美国的人力资源软件及服务企业，面向各行业不同规模的客户提供覆盖薪酬核算、人员管理、考勤等多场景的HR SaaS产品及配套专业服务，助力企业提升人力资源运营效率。
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。
DAY vs LC — 直观对比
营收规模更大
DAY
是对方的1.9倍
$252.3M
营收增速更快
LC
高出6.4%
9.5%
净利率更高
LC
高出61.3%
-40.9%
两年增速更快
LC
近两年复合增速
9.8%
损益表 — Q3 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $481.6M | $252.3M |
| 净利润 | $-196.8M | $51.6M |
| 毛利率 | — | — |
| 营业利润率 | 6.3% | — |
| 净利率 | -40.9% | 20.5% |
| 营收同比 | 9.5% | 15.9% |
| 净利润同比 | -9940.0% | 341.0% |
| 每股收益（稀释后） | $-1.23 | $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DAYLC
| Q1 26 | — | $252.3M | ||
| Q4 25 | — | $266.5M | ||
| Q3 25 | $481.6M | $266.2M | ||
| Q2 25 | $464.7M | $248.4M | ||
| Q1 25 | $481.8M | $217.7M | ||
| Q4 24 | $465.2M | $217.2M | ||
| Q3 24 | $440.0M | $201.9M | ||
| Q2 24 | $423.3M | $187.2M |
净利润DAYLC
| Q1 26 | — | $51.6M | ||
| Q4 25 | — | — | ||
| Q3 25 | $-196.8M | $44.3M | ||
| Q2 25 | $21.3M | $38.2M | ||
| Q1 25 | $14.9M | $11.7M | ||
| Q4 24 | $10.8M | — | ||
| Q3 24 | $2.0M | $14.5M | ||
| Q2 24 | $-1.8M | $14.9M |
毛利率DAYLC
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 47.0% | — | ||
| Q3 24 | 45.8% | — | ||
| Q2 24 | 44.1% | — |
营业利润率DAYLC
| Q1 26 | — | — | ||
| Q4 25 | — | 18.8% | ||
| Q3 25 | 6.3% | 21.5% | ||
| Q2 25 | 9.1% | 21.7% | ||
| Q1 25 | 6.4% | 7.2% | ||
| Q4 24 | 6.1% | 5.1% | ||
| Q3 24 | 4.7% | 8.9% | ||
| Q2 24 | 3.3% | 10.4% |
净利率DAYLC
| Q1 26 | — | 20.5% | ||
| Q4 25 | — | — | ||
| Q3 25 | -40.9% | 16.6% | ||
| Q2 25 | 4.6% | 15.4% | ||
| Q1 25 | 3.1% | 5.4% | ||
| Q4 24 | 2.3% | — | ||
| Q3 24 | 0.5% | 7.2% | ||
| Q2 24 | -0.4% | 8.0% |
每股收益（稀释后）DAYLC
| Q1 26 | — | $0.44 | ||
| Q4 25 | — | $0.36 | ||
| Q3 25 | $-1.23 | $0.37 | ||
| Q2 25 | $0.13 | $0.33 | ||
| Q1 25 | $0.09 | $0.10 | ||
| Q4 24 | $0.07 | $0.08 | ||
| Q3 24 | $0.01 | $0.13 | ||
| Q2 24 | $-0.01 | $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 | $627.6M | — |
| 总债务越低越好 | $631.1M | — |
| 股东权益账面价值 | $2.7B | $1.5B |
| 总资产 | $8.7B | $11.9B |
| 负债/权益比越低杠杆越低 | 0.23× | — |
8季度趋势，按日历期对齐
现金及短期投资DAYLC
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | $627.6M | — | ||
| Q2 25 | $625.2M | — | ||
| Q1 25 | $557.3M | — | ||
| Q4 24 | $579.7M | — | ||
| Q3 24 | $494.1M | — | ||
| Q2 24 | $465.4M | — |
总债务DAYLC
| Q1 26 | — | — | ||
| Q4 25 | — | $0 | ||
| Q3 25 | $631.1M | $0 | ||
| Q2 25 | $631.8M | $0 | ||
| Q1 25 | $632.4M | $0 | ||
| Q4 24 | $1.2B | $0 | ||
| Q3 24 | $1.2B | — | ||
| Q2 24 | $1.2B | — |
股东权益DAYLC
| Q1 26 | — | $1.5B | ||
| Q4 25 | — | $1.5B | ||
| Q3 25 | $2.7B | $1.5B | ||
| Q2 25 | $2.7B | $1.4B | ||
| Q1 25 | $2.6B | $1.4B | ||
| Q4 24 | $2.5B | $1.3B | ||
| Q3 24 | $2.6B | $1.3B | ||
| Q2 24 | $2.5B | $1.3B |
总资产DAYLC
| Q1 26 | — | $11.9B | ||
| Q4 25 | — | $11.6B | ||
| Q3 25 | $8.7B | $11.1B | ||
| Q2 25 | $8.5B | $10.8B | ||
| Q1 25 | $9.5B | $10.5B | ||
| Q4 24 | $9.1B | $10.6B | ||
| Q3 24 | $8.1B | $11.0B | ||
| Q2 24 | $9.0B | $9.6B |
负债/权益比DAYLC
| Q1 26 | — | — | ||
| Q4 25 | — | 0.00× | ||
| Q3 25 | 0.23× | 0.00× | ||
| Q2 25 | 0.23× | 0.00× | ||
| Q1 25 | 0.24× | 0.00× | ||
| Q4 24 | 0.47× | 0.00× | ||
| Q3 24 | 0.47× | — | ||
| Q2 24 | 0.49× | — |
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 | $31.2M | — |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流DAYLC
| Q1 26 | — | — | ||
| Q4 25 | — | $-2.7B | ||
| Q3 25 | $31.2M | $-770.8M | ||
| Q2 25 | $112.7M | $-713.1M | ||
| Q1 25 | $49.6M | $-339.3M | ||
| Q4 24 | $81.0M | $-2.6B | ||
| Q3 24 | $91.8M | $-669.8M | ||
| Q2 24 | $99.2M | $-932.5M |
自由现金流DAYLC
| 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 |
自由现金流率DAYLC
| 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% |
资本支出强度DAYLC
| 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% |
现金转化率DAYLC
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | -17.41× | ||
| Q2 25 | 5.29× | -18.68× | ||
| Q1 25 | 3.33× | -29.07× | ||
| Q4 24 | 7.50× | — | ||
| Q3 24 | 45.90× | -46.33× | ||
| Q2 24 | — | -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
DAY
| Dayforce Recurring | $333.0M | 69% |
| Cloud And Bureau Professional Services And Other | $78.5M | 16% |
| Float | $42.2M | 9% |
| Powerpay Recurring | $19.7M | 4% |
| Other Recurring | $8.2M | 2% |
LC
暂无分部数据
