vs
Forestar Group Inc.（FOR）与LendingClub Corp（LC）财务数据对比。点击上方公司名可切换其他公司
Forestar Group Inc.的季度营收约是LendingClub Corp的1.1倍（$273.0M vs $252.3M），LendingClub Corp净利率更高（20.5% vs 5.6%，领先14.8%），LendingClub Corp同比增速更快（15.9% vs 9.0%），过去两年LendingClub Corp的营收复合增速更高（16.1% vs -9.6%）
福雷斯特集团是一家住宅地块开发企业，总部位于得克萨斯州阿灵顿，业务覆盖美国21个州的51个市场。截至2020年12月31日的12个月内，该公司交付了11518块住宅地块，目前在纽约证券交易所上市，自2002年起就是美国规模最大的住宅建筑商D.R. Horton的控股子公司。
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。
FOR vs LC — 直观对比
营收规模更大
FOR
是对方的1.1倍
$252.3M
营收增速更快
LC
高出6.9%
9.0%
净利率更高
LC
高出14.8%
5.6%
两年增速更快
LC
近两年复合增速
-9.6%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $273.0M | $252.3M |
| 净利润 | $15.4M | $51.6M |
| 毛利率 | 20.1% | — |
| 营业利润率 | 7.6% | — |
| 净利率 | 5.6% | 20.5% |
| 营收同比 | 9.0% | 15.9% |
| 净利润同比 | -6.7% | 341.0% |
| 每股收益（稀释后） | $0.30 | $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FORLC
| Q1 26 | — | $252.3M | ||
| Q4 25 | $273.0M | $266.5M | ||
| Q3 25 | $670.5M | $266.2M | ||
| Q2 25 | $390.5M | $248.4M | ||
| Q1 25 | $351.0M | $217.7M | ||
| Q4 24 | $250.4M | $217.2M | ||
| Q3 24 | $551.3M | $201.9M | ||
| Q2 24 | $318.4M | $187.2M |
净利润FORLC
| Q1 26 | — | $51.6M | ||
| Q4 25 | $15.4M | — | ||
| Q3 25 | $86.9M | $44.3M | ||
| Q2 25 | $32.9M | $38.2M | ||
| Q1 25 | $31.6M | $11.7M | ||
| Q4 24 | $16.5M | — | ||
| Q3 24 | $81.5M | $14.5M | ||
| Q2 24 | $38.7M | $14.9M |
毛利率FORLC
| Q1 26 | — | — | ||
| Q4 25 | 20.1% | — | ||
| Q3 25 | 22.3% | — | ||
| Q2 25 | 20.4% | — | ||
| Q1 25 | 22.6% | — | ||
| Q4 24 | 22.0% | — | ||
| Q3 24 | 23.9% | — | ||
| Q2 24 | 22.5% | — |
营业利润率FORLC
| Q1 26 | — | — | ||
| Q4 25 | 7.6% | 18.8% | ||
| Q3 25 | 16.9% | 21.5% | ||
| Q2 25 | 11.2% | 21.7% | ||
| Q1 25 | 11.6% | 7.2% | ||
| Q4 24 | 8.7% | 5.1% | ||
| Q3 24 | 19.7% | 8.9% | ||
| Q2 24 | 16.2% | 10.4% |
净利率FORLC
| Q1 26 | — | 20.5% | ||
| Q4 25 | 5.6% | — | ||
| Q3 25 | 13.0% | 16.6% | ||
| Q2 25 | 8.4% | 15.4% | ||
| Q1 25 | 9.0% | 5.4% | ||
| Q4 24 | 6.6% | — | ||
| Q3 24 | 14.8% | 7.2% | ||
| Q2 24 | 12.2% | 8.0% |
每股收益（稀释后）FORLC
| Q1 26 | — | $0.44 | ||
| Q4 25 | $0.30 | $0.36 | ||
| Q3 25 | $1.70 | $0.37 | ||
| Q2 25 | $0.65 | $0.33 | ||
| Q1 25 | $0.62 | $0.10 | ||
| Q4 24 | $0.32 | $0.08 | ||
| Q3 24 | $1.59 | $0.13 | ||
| Q2 24 | $0.76 | $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 | $211.7M | — |
| 总债务越低越好 | $793.2M | — |
| 股东权益账面价值 | $1.8B | $1.5B |
| 总资产 | $3.2B | $11.9B |
| 负债/权益比越低杠杆越低 | 0.44× | — |
8季度趋势，按日历期对齐
现金及短期投资FORLC
| Q1 26 | — | — | ||
| Q4 25 | $211.7M | — | ||
| Q3 25 | $379.2M | — | ||
| Q2 25 | $189.2M | — | ||
| Q1 25 | $174.3M | — | ||
| Q4 24 | $132.0M | — | ||
| Q3 24 | $481.2M | — | ||
| Q2 24 | $359.2M | — |
总债务FORLC
| Q1 26 | — | — | ||
| Q4 25 | $793.2M | $0 | ||
| Q3 25 | $802.7M | $0 | ||
| Q2 25 | $872.8M | $0 | ||
| Q1 25 | $872.5M | $0 | ||
| Q4 24 | $806.8M | $0 | ||
| Q3 24 | $706.4M | — | ||
| Q2 24 | $706.1M | — |
股东权益FORLC
| Q1 26 | — | $1.5B | ||
| Q4 25 | $1.8B | $1.5B | ||
| Q3 25 | $1.8B | $1.5B | ||
| Q2 25 | $1.7B | $1.4B | ||
| Q1 25 | $1.6B | $1.4B | ||
| Q4 24 | $1.6B | $1.3B | ||
| Q3 24 | $1.6B | $1.3B | ||
| Q2 24 | $1.5B | $1.3B |
总资产FORLC
| Q1 26 | — | $11.9B | ||
| Q4 25 | $3.2B | $11.6B | ||
| Q3 25 | $3.1B | $11.1B | ||
| Q2 25 | $3.1B | $10.8B | ||
| Q1 25 | $3.0B | $10.5B | ||
| Q4 24 | $3.0B | $10.6B | ||
| Q3 24 | $2.8B | $11.0B | ||
| Q2 24 | $2.7B | $9.6B |
负债/权益比FORLC
| Q1 26 | — | — | ||
| Q4 25 | 0.44× | 0.00× | ||
| Q3 25 | 0.45× | 0.00× | ||
| Q2 25 | 0.52× | 0.00× | ||
| Q1 25 | 0.53× | 0.00× | ||
| Q4 24 | 0.50× | 0.00× | ||
| Q3 24 | 0.44× | — | ||
| Q2 24 | 0.47× | — |
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 | $-157.0M | — |
| 自由现金流经营现金流 - 资本支出 | $-157.1M | — |
| 自由现金流率自由现金流/营收 | -57.5% | — |
| 资本支出强度资本支出/营收 | 0.0% | — |
| 现金转化率经营现金流/净利润 | -10.19× | — |
| 过去12个月自由现金流最近4个季度 | $93.0M | — |
8季度趋势，按日历期对齐
经营现金流FORLC
| Q1 26 | — | — | ||
| Q4 25 | $-157.0M | $-2.7B | ||
| Q3 25 | $256.3M | $-770.8M | ||
| Q2 25 | $15.8M | $-713.1M | ||
| Q1 25 | $-19.8M | $-339.3M | ||
| Q4 24 | $-450.0M | $-2.6B | ||
| Q3 24 | $119.2M | $-669.8M | ||
| Q2 24 | $-61.7M | $-932.5M |
自由现金流FORLC
| Q1 26 | — | — | ||
| Q4 25 | $-157.1M | $-2.9B | ||
| Q3 25 | $255.6M | $-791.8M | ||
| Q2 25 | $15.0M | $-803.8M | ||
| Q1 25 | $-20.5M | $-352.3M | ||
| Q4 24 | — | $-2.7B | ||
| Q3 24 | $118.4M | $-682.3M | ||
| Q2 24 | $-62.3M | $-945.3M |
自由现金流率FORLC
| Q1 26 | — | — | ||
| Q4 25 | -57.5% | -1076.0% | ||
| Q3 25 | 38.1% | -297.4% | ||
| Q2 25 | 3.8% | -323.5% | ||
| Q1 25 | -5.8% | -161.8% | ||
| Q4 24 | — | -1237.8% | ||
| Q3 24 | 21.5% | -338.0% | ||
| Q2 24 | -19.6% | -504.9% |
资本支出强度FORLC
| Q1 26 | — | — | ||
| Q4 25 | 0.0% | 52.7% | ||
| Q3 25 | 0.1% | 7.9% | ||
| Q2 25 | 0.2% | 36.5% | ||
| Q1 25 | 0.2% | 6.0% | ||
| Q4 24 | 0.0% | 25.0% | ||
| Q3 24 | 0.1% | 6.2% | ||
| Q2 24 | 0.2% | 6.9% |
现金转化率FORLC
| Q1 26 | — | — | ||
| Q4 25 | -10.19× | — | ||
| Q3 25 | 2.95× | -17.41× | ||
| Q2 25 | 0.48× | -18.68× | ||
| Q1 25 | -0.63× | -29.07× | ||
| Q4 24 | -27.27× | — | ||
| Q3 24 | 1.46× | -46.33× | ||
| Q2 24 | -1.59× | -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
FOR
| D.R.Horton Inc. | $183.8M | 67% |
| Other | $89.2M | 33% |
LC
暂无分部数据
