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化石集团（FOSL）与LendingClub Corp（LC）财务数据对比。点击上方公司名可切换其他公司
化石集团的季度营收约是LendingClub Corp的1.1倍（$270.2M vs $252.3M），LendingClub Corp净利率更高（20.5% vs -14.8%，领先35.3%），LendingClub Corp同比增速更快（15.9% vs -21.1%），过去两年LendingClub Corp的营收复合增速更高（16.1% vs -11.4%）
化石集团是1984年成立的美国时尚设计制造企业，总部位于得克萨斯州理查森。集团旗下拥有Fossil、Relic、Michele Watch、Skagen、Zodiac Watches等多个品牌，同时也为宝马、彪马、阿玛尼、迈克高仕、DKNY等多个知名品牌代工生产授权配饰。
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。
FOSL vs LC — 直观对比
营收规模更大
FOSL
是对方的1.1倍
$252.3M
营收增速更快
LC
高出37.0%
-21.1%
净利率更高
LC
高出35.3%
-14.8%
两年增速更快
LC
近两年复合增速
-11.4%
损益表 — Q3 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $270.2M | $252.3M |
| 净利润 | $-40.0M | $51.6M |
| 毛利率 | 49.0% | — |
| 营业利润率 | -8.0% | — |
| 净利率 | -14.8% | 20.5% |
| 营收同比 | -21.1% | 15.9% |
| 净利润同比 | -257.8% | 341.0% |
| 每股收益（稀释后） | $-0.76 | $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FOSLLC
| Q1 26 | — | $252.3M | ||
| Q4 25 | $270.2M | $266.5M | ||
| Q3 25 | $220.4M | $266.2M | ||
| Q2 25 | $233.3M | $248.4M | ||
| Q1 25 | — | $217.7M | ||
| Q4 24 | $342.3M | $217.2M | ||
| Q3 24 | $287.8M | $201.9M | ||
| Q2 24 | $260.0M | $187.2M |
净利润FOSLLC
| Q1 26 | — | $51.6M | ||
| Q4 25 | $-40.0M | — | ||
| Q3 25 | $-2.1M | $44.3M | ||
| Q2 25 | $-17.9M | $38.2M | ||
| Q1 25 | — | $11.7M | ||
| Q4 24 | $-11.2M | — | ||
| Q3 24 | $-31.9M | $14.5M | ||
| Q2 24 | $-38.8M | $14.9M |
毛利率FOSLLC
| Q1 26 | — | — | ||
| Q4 25 | 49.0% | — | ||
| Q3 25 | 57.5% | — | ||
| Q2 25 | 61.3% | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 53.9% | — | ||
| Q3 24 | 49.4% | — | ||
| Q2 24 | 52.6% | — |
营业利润率FOSLLC
| Q1 26 | — | — | ||
| Q4 25 | -8.0% | 18.8% | ||
| Q3 25 | 3.9% | 21.5% | ||
| Q2 25 | -2.9% | 21.7% | ||
| Q1 25 | — | 7.2% | ||
| Q4 24 | -4.8% | 5.1% | ||
| Q3 24 | -8.5% | 8.9% | ||
| Q2 24 | -13.1% | 10.4% |
净利率FOSLLC
| Q1 26 | — | 20.5% | ||
| Q4 25 | -14.8% | — | ||
| Q3 25 | -1.0% | 16.6% | ||
| Q2 25 | -7.7% | 15.4% | ||
| Q1 25 | — | 5.4% | ||
| Q4 24 | -3.3% | — | ||
| Q3 24 | -11.1% | 7.2% | ||
| Q2 24 | -14.9% | 8.0% |
每股收益（稀释后）FOSLLC
| Q1 26 | — | $0.44 | ||
| Q4 25 | $-0.76 | $0.36 | ||
| Q3 25 | $-0.04 | $0.37 | ||
| Q2 25 | $-0.33 | $0.33 | ||
| Q1 25 | — | $0.10 | ||
| Q4 24 | $-0.15 | $0.08 | ||
| Q3 24 | $-0.60 | $0.13 | ||
| Q2 24 | $-0.73 | $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 | $79.2M | — |
| 总债务越低越好 | $169.1M | — |
| 股东权益账面价值 | $112.6M | $1.5B |
| 总资产 | $701.0M | $11.9B |
| 负债/权益比越低杠杆越低 | 1.50× | — |
8季度趋势，按日历期对齐
现金及短期投资FOSLLC
| Q1 26 | — | — | ||
| Q4 25 | $79.2M | — | ||
| Q3 25 | $109.9M | — | ||
| Q2 25 | $78.3M | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $123.6M | — | ||
| Q3 24 | $106.3M | — | ||
| Q2 24 | $104.9M | — |
总债务FOSLLC
| Q1 26 | — | — | ||
| Q4 25 | $169.1M | $0 | ||
| Q3 25 | $165.6M | $0 | ||
| Q2 25 | $167.2M | $0 | ||
| Q1 25 | — | $0 | ||
| Q4 24 | $162.7M | $0 | ||
| Q3 24 | $173.4M | — | ||
| Q2 24 | $156.5M | — |
股东权益FOSLLC
| Q1 26 | — | $1.5B | ||
| Q4 25 | $112.6M | $1.5B | ||
| Q3 25 | $150.3M | $1.5B | ||
| Q2 25 | $140.6M | $1.4B | ||
| Q1 25 | — | $1.4B | ||
| Q4 24 | $148.7M | $1.3B | ||
| Q3 24 | $164.4M | $1.3B | ||
| Q2 24 | $189.6M | $1.3B |
总资产FOSLLC
| Q1 26 | — | $11.9B | ||
| Q4 25 | $701.0M | $11.6B | ||
| Q3 25 | $704.5M | $11.1B | ||
| Q2 25 | $686.0M | $10.8B | ||
| Q1 25 | — | $10.5B | ||
| Q4 24 | $763.6M | $10.6B | ||
| Q3 24 | $812.4M | $11.0B | ||
| Q2 24 | $785.7M | $9.6B |
负债/权益比FOSLLC
| Q1 26 | — | — | ||
| Q4 25 | 1.50× | 0.00× | ||
| Q3 25 | 1.10× | 0.00× | ||
| Q2 25 | 1.19× | 0.00× | ||
| Q1 25 | — | 0.00× | ||
| Q4 24 | 1.09× | 0.00× | ||
| Q3 24 | 1.06× | — | ||
| Q2 24 | 0.83× | — |
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 | $-22.2M | — |
| 自由现金流经营现金流 - 资本支出 | $-22.5M | — |
| 自由现金流率自由现金流/营收 | -8.3% | — |
| 资本支出强度资本支出/营收 | 0.1% | — |
| 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 | $-46.0M | — |
8季度趋势，按日历期对齐
经营现金流FOSLLC
| Q1 26 | — | — | ||
| Q4 25 | $-22.2M | $-2.7B | ||
| Q3 25 | $9.4M | $-770.8M | ||
| Q2 25 | $-60.4M | $-713.1M | ||
| Q1 25 | — | $-339.3M | ||
| Q4 24 | $30.5M | $-2.6B | ||
| Q3 24 | $-22.8M | $-669.8M | ||
| Q2 24 | $38.4M | $-932.5M |
自由现金流FOSLLC
| Q1 26 | — | — | ||
| Q4 25 | $-22.5M | $-2.9B | ||
| Q3 25 | $8.6M | $-791.8M | ||
| Q2 25 | $-60.6M | $-803.8M | ||
| Q1 25 | — | $-352.3M | ||
| Q4 24 | $28.5M | $-2.7B | ||
| Q3 24 | $-24.1M | $-682.3M | ||
| Q2 24 | $36.6M | $-945.3M |
自由现金流率FOSLLC
| Q1 26 | — | — | ||
| Q4 25 | -8.3% | -1076.0% | ||
| Q3 25 | 3.9% | -297.4% | ||
| Q2 25 | -26.0% | -323.5% | ||
| Q1 25 | — | -161.8% | ||
| Q4 24 | 8.3% | -1237.8% | ||
| Q3 24 | -8.4% | -338.0% | ||
| Q2 24 | 14.1% | -504.9% |
资本支出强度FOSLLC
| Q1 26 | — | — | ||
| Q4 25 | 0.1% | 52.7% | ||
| Q3 25 | 0.4% | 7.9% | ||
| Q2 25 | 0.1% | 36.5% | ||
| Q1 25 | — | 6.0% | ||
| Q4 24 | 0.6% | 25.0% | ||
| Q3 24 | 0.4% | 6.2% | ||
| Q2 24 | 0.7% | 6.9% |
现金转化率FOSLLC
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | -17.41× | ||
| Q2 25 | — | -18.68× | ||
| Q1 25 | — | -29.07× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | -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
FOSL
| Transferred At Point In Time | $109.7M | 41% |
| Traditional Watches | $91.3M | 34% |
| Other | $50.8M | 19% |
| Leathers | $9.5M | 4% |
| Jewelry | $4.0M | 1% |
| Smartwatches | $3.3M | 1% |
| Products Other | $1.6M | 1% |
LC
暂无分部数据
