vs
Essex Property Trust（ESS）与LendingClub Corp（LC）财务数据对比。点击上方公司名可切换其他公司
Essex Property Trust的季度营收约是LendingClub Corp的1.9倍（$479.6M vs $252.3M），LendingClub Corp净利率更高（20.5% vs 17.9%，领先2.6%），LendingClub Corp同比增速更快（15.9% vs 5.5%），过去两年LendingClub Corp的营收复合增速更高（16.1% vs 6.0%）
Essex Property Trust是一家公开上市的房地产投资信托企业，重点布局美国西海岸优质不动产市场，核心投资标的为加利福尼亚州及西雅图大都会区的公寓类物业，在长租公寓的投资、运营及管理领域拥有深厚的行业积累与资源优势。
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。
ESS vs LC — 直观对比
营收规模更大
ESS
是对方的1.9倍
$252.3M
营收增速更快
LC
高出10.4%
5.5%
净利率更高
LC
高出2.6%
17.9%
两年增速更快
LC
近两年复合增速
6.0%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $479.6M | $252.3M |
| 净利润 | $85.7M | $51.6M |
| 毛利率 | 70.0% | — |
| 营业利润率 | 31.7% | — |
| 净利率 | 17.9% | 20.5% |
| 营收同比 | 5.5% | 15.9% |
| 净利润同比 | -71.6% | 341.0% |
| 每股收益（稀释后） | $1.24 | $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ESSLC
| Q1 26 | — | $252.3M | ||
| Q4 25 | $479.6M | $266.5M | ||
| Q3 25 | $473.3M | $266.2M | ||
| Q2 25 | $469.8M | $248.4M | ||
| Q1 25 | $464.6M | $217.7M | ||
| Q4 24 | $454.5M | $217.2M | ||
| Q3 24 | $450.7M | $201.9M | ||
| Q2 24 | $442.4M | $187.2M |
净利润ESSLC
| Q1 26 | — | $51.6M | ||
| Q4 25 | $85.7M | — | ||
| Q3 25 | $172.7M | $44.3M | ||
| Q2 25 | $231.5M | $38.2M | ||
| Q1 25 | $212.8M | $11.7M | ||
| Q4 24 | $301.7M | — | ||
| Q3 24 | $125.5M | $14.5M | ||
| Q2 24 | $99.0M | $14.9M |
毛利率ESSLC
| Q1 26 | — | — | ||
| Q4 25 | 70.0% | — | ||
| Q3 25 | 69.2% | — | ||
| Q2 25 | 70.7% | — | ||
| Q1 25 | 69.6% | — | ||
| Q4 24 | 70.0% | — | ||
| Q3 24 | 69.5% | — | ||
| Q2 24 | 70.8% | — |
营业利润率ESSLC
| Q1 26 | — | — | ||
| Q4 25 | 31.7% | 18.8% | ||
| Q3 25 | 44.5% | 21.5% | ||
| Q2 25 | 59.5% | 21.7% | ||
| Q1 25 | 55.3% | 7.2% | ||
| Q4 24 | 67.0% | 5.1% | ||
| Q3 24 | 28.6% | 8.9% | ||
| Q2 24 | 31.1% | 10.4% |
净利率ESSLC
| Q1 26 | — | 20.5% | ||
| Q4 25 | 17.9% | — | ||
| Q3 25 | 36.5% | 16.6% | ||
| Q2 25 | 49.3% | 15.4% | ||
| Q1 25 | 45.8% | 5.4% | ||
| Q4 24 | 66.4% | — | ||
| Q3 24 | 27.8% | 7.2% | ||
| Q2 24 | 22.4% | 8.0% |
每股收益（稀释后）ESSLC
| Q1 26 | — | $0.44 | ||
| Q4 25 | $1.24 | $0.36 | ||
| Q3 25 | $2.56 | $0.37 | ||
| Q2 25 | $3.44 | $0.33 | ||
| Q1 25 | $3.16 | $0.10 | ||
| Q4 24 | $4.00 | $0.08 | ||
| Q3 24 | $1.84 | $0.13 | ||
| Q2 24 | $1.45 | $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 | $76.2M | — |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $5.5B | $1.5B |
| 总资产 | $13.2B | $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ESSLC
| Q1 26 | — | — | ||
| Q4 25 | $76.2M | — | ||
| Q3 25 | $66.0M | — | ||
| Q2 25 | $58.7M | — | ||
| Q1 25 | $98.7M | — | ||
| Q4 24 | $66.8M | — | ||
| Q3 24 | $71.3M | — | ||
| Q2 24 | $55.2M | — |
总债务ESSLC
| Q1 26 | — | — | ||
| Q4 25 | — | $0 | ||
| Q3 25 | $6.4B | $0 | ||
| Q2 25 | $6.4B | $0 | ||
| Q1 25 | $6.8B | $0 | ||
| Q4 24 | — | $0 | ||
| Q3 24 | $6.4B | — | ||
| Q2 24 | $6.2B | — |
股东权益ESSLC
| Q1 26 | — | $1.5B | ||
| Q4 25 | $5.5B | $1.5B | ||
| Q3 25 | $5.6B | $1.5B | ||
| Q2 25 | $5.6B | $1.4B | ||
| Q1 25 | $5.6B | $1.4B | ||
| Q4 24 | $5.5B | $1.3B | ||
| Q3 24 | $5.4B | $1.3B | ||
| Q2 24 | $5.5B | $1.3B |
总资产ESSLC
| Q1 26 | — | $11.9B | ||
| Q4 25 | $13.2B | $11.6B | ||
| Q3 25 | $13.2B | $11.1B | ||
| Q2 25 | $13.2B | $10.8B | ||
| Q1 25 | $13.2B | $10.5B | ||
| Q4 24 | $12.9B | $10.6B | ||
| Q3 24 | $12.6B | $11.0B | ||
| Q2 24 | $12.5B | $9.6B |
负债/权益比ESSLC
| Q1 26 | — | — | ||
| Q4 25 | — | 0.00× | ||
| Q3 25 | 1.15× | 0.00× | ||
| Q2 25 | 1.14× | 0.00× | ||
| Q1 25 | 1.22× | 0.00× | ||
| Q4 24 | — | 0.00× | ||
| Q3 24 | 1.18× | — | ||
| Q2 24 | 1.13× | — |
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 | $1.1B | — |
| 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 | 12.53× | — |
| 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ESSLC
| Q1 26 | — | — | ||
| Q4 25 | $1.1B | $-2.7B | ||
| Q3 25 | $342.6M | $-770.8M | ||
| Q2 25 | $216.1M | $-713.1M | ||
| Q1 25 | $281.5M | $-339.3M | ||
| Q4 24 | $1.1B | $-2.6B | ||
| Q3 24 | $316.2M | $-669.8M | ||
| Q2 24 | $218.9M | $-932.5M |
自由现金流ESSLC
| 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ESSLC
| 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ESSLC
| 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ESSLC
| Q1 26 | — | — | ||
| Q4 25 | 12.53× | — | ||
| Q3 25 | 1.98× | -17.41× | ||
| Q2 25 | 0.93× | -18.68× | ||
| Q1 25 | 1.32× | -29.07× | ||
| Q4 24 | 3.54× | — | ||
| Q3 24 | 2.52× | -46.33× | ||
| Q2 24 | 2.21× | -62.57× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
