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FOSTER L B CO（FSTR）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FOSTER L B CO的1.6倍（$252.3M vs $160.4M），LendingClub Corp净利率更高（20.5% vs 1.5%，领先18.9%），FOSTER L B CO同比增速更快（25.1% vs 15.9%），过去两年LendingClub Corp的营收复合增速更高（16.1% vs 13.6%）
Foster L B Co.是一家总部位于美国的专业工业制造企业，主要生产销售工程通道产品、建筑组件及铁路基础设施用品，服务覆盖北美及部分全球地区的商业建筑、交通和工业领域客户。
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。
FSTR vs LC — 直观对比
营收规模更大
LC
是对方的1.6倍
$160.4M
营收增速更快
FSTR
高出9.2%
15.9%
净利率更高
LC
高出18.9%
1.5%
两年增速更快
LC
近两年复合增速
13.6%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $160.4M | $252.3M |
| 净利润 | $2.4M | $51.6M |
| 毛利率 | 19.7% | — |
| 营业利润率 | 4.9% | — |
| 净利率 | 1.5% | 20.5% |
| 营收同比 | 25.1% | 15.9% |
| 净利润同比 | 1098.3% | 341.0% |
| 每股收益（稀释后） | $0.22 | $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FSTRLC
| Q1 26 | — | $252.3M | ||
| Q4 25 | $160.4M | $266.5M | ||
| Q3 25 | $138.3M | $266.2M | ||
| Q2 25 | $143.6M | $248.4M | ||
| Q1 25 | $97.8M | $217.7M | ||
| Q4 24 | $128.2M | $217.2M | ||
| Q3 24 | $137.5M | $201.9M | ||
| Q2 24 | $140.8M | $187.2M |
净利润FSTRLC
| Q1 26 | — | $51.6M | ||
| Q4 25 | $2.4M | — | ||
| Q3 25 | $4.4M | $44.3M | ||
| Q2 25 | $2.9M | $38.2M | ||
| Q1 25 | $-2.1M | $11.7M | ||
| Q4 24 | $-242.0K | — | ||
| Q3 24 | $35.9M | $14.5M | ||
| Q2 24 | $2.8M | $14.9M |
毛利率FSTRLC
| Q1 26 | — | — | ||
| Q4 25 | 19.7% | — | ||
| Q3 25 | 22.5% | — | ||
| Q2 25 | 21.5% | — | ||
| Q1 25 | 20.6% | — | ||
| Q4 24 | 22.3% | — | ||
| Q3 24 | 23.8% | — | ||
| Q2 24 | 21.7% | — |
营业利润率FSTRLC
| Q1 26 | — | — | ||
| Q4 25 | 4.9% | 18.8% | ||
| Q3 25 | 6.0% | 21.5% | ||
| Q2 25 | 5.3% | 21.7% | ||
| Q1 25 | -2.0% | 7.2% | ||
| Q4 24 | 2.4% | 5.1% | ||
| Q3 24 | 5.3% | 8.9% | ||
| Q2 24 | 3.2% | 10.4% |
净利率FSTRLC
| Q1 26 | — | 20.5% | ||
| Q4 25 | 1.5% | — | ||
| Q3 25 | 3.1% | 16.6% | ||
| Q2 25 | 2.0% | 15.4% | ||
| Q1 25 | -2.2% | 5.4% | ||
| Q4 24 | -0.2% | — | ||
| Q3 24 | 26.1% | 7.2% | ||
| Q2 24 | 2.0% | 8.0% |
每股收益（稀释后）FSTRLC
| Q1 26 | — | $0.44 | ||
| Q4 25 | $0.22 | $0.36 | ||
| Q3 25 | $0.40 | $0.37 | ||
| Q2 25 | $0.27 | $0.33 | ||
| Q1 25 | $-0.20 | $0.10 | ||
| Q4 24 | $-0.04 | $0.08 | ||
| Q3 24 | $3.27 | $0.13 | ||
| Q2 24 | $0.26 | $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 | $4.3M | — |
| 总债务越低越好 | $42.6M | — |
| 股东权益账面价值 | $175.3M | $1.5B |
| 总资产 | $330.4M | $11.9B |
| 负债/权益比越低杠杆越低 | 0.24× | — |
8季度趋势，按日历期对齐
现金及短期投资FSTRLC
| Q1 26 | — | — | ||
| Q4 25 | $4.3M | — | ||
| Q3 25 | $3.4M | — | ||
| Q2 25 | $4.2M | — | ||
| Q1 25 | $2.6M | — | ||
| Q4 24 | $2.5M | — | ||
| Q3 24 | $3.1M | — | ||
| Q2 24 | $4.0M | — |
总债务FSTRLC
| Q1 26 | — | — | ||
| Q4 25 | $42.6M | $0 | ||
| Q3 25 | $58.6M | $0 | ||
| Q2 25 | $81.4M | $0 | ||
| Q1 25 | $82.3M | $0 | ||
| Q4 24 | $46.8M | $0 | ||
| Q3 24 | $68.4M | — | ||
| Q2 24 | $87.0M | — |
股东权益FSTRLC
| Q1 26 | — | $1.5B | ||
| Q4 25 | $175.3M | $1.5B | ||
| Q3 25 | $174.8M | $1.5B | ||
| Q2 25 | $174.4M | $1.4B | ||
| Q1 25 | $170.8M | $1.4B | ||
| Q4 24 | $178.3M | $1.3B | ||
| Q3 24 | $181.9M | $1.3B | ||
| Q2 24 | $147.1M | $1.3B |
总资产FSTRLC
| Q1 26 | — | $11.9B | ||
| Q4 25 | $330.4M | $11.6B | ||
| Q3 25 | $333.9M | $11.1B | ||
| Q2 25 | $349.9M | $10.8B | ||
| Q1 25 | $342.8M | $10.5B | ||
| Q4 24 | $334.6M | $10.6B | ||
| Q3 24 | $344.5M | $11.0B | ||
| Q2 24 | $333.3M | $9.6B |
负债/权益比FSTRLC
| Q1 26 | — | — | ||
| Q4 25 | 0.24× | 0.00× | ||
| Q3 25 | 0.33× | 0.00× | ||
| Q2 25 | 0.47× | 0.00× | ||
| Q1 25 | 0.48× | 0.00× | ||
| Q4 24 | 0.26× | 0.00× | ||
| Q3 24 | 0.38× | — | ||
| Q2 24 | 0.59× | — |
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 | $19.8M | — |
| 自由现金流率自由现金流/营收 | 12.3% | — |
| 资本支出强度资本支出/营收 | 1.5% | — |
| 现金转化率经营现金流/净利润 | 9.18× | — |
| 过去12个月自由现金流最近4个季度 | $25.2M | — |
8季度趋势，按日历期对齐
经营现金流FSTRLC
| Q1 26 | — | — | ||
| Q4 25 | $22.2M | $-2.7B | ||
| Q3 25 | $29.2M | $-770.8M | ||
| Q2 25 | $10.4M | $-713.1M | ||
| Q1 25 | $-26.1M | $-339.3M | ||
| Q4 24 | $24.3M | $-2.6B | ||
| Q3 24 | $24.7M | $-669.8M | ||
| Q2 24 | $-5.0M | $-932.5M |
自由现金流FSTRLC
| Q1 26 | — | — | ||
| Q4 25 | $19.8M | $-2.9B | ||
| Q3 25 | $26.4M | $-791.8M | ||
| Q2 25 | $7.7M | $-803.8M | ||
| Q1 25 | $-28.7M | $-352.3M | ||
| Q4 24 | $22.3M | $-2.7B | ||
| Q3 24 | $21.7M | $-682.3M | ||
| Q2 24 | $-7.0M | $-945.3M |
自由现金流率FSTRLC
| Q1 26 | — | — | ||
| Q4 25 | 12.3% | -1076.0% | ||
| Q3 25 | 19.1% | -297.4% | ||
| Q2 25 | 5.4% | -323.5% | ||
| Q1 25 | -29.4% | -161.8% | ||
| Q4 24 | 17.4% | -1237.8% | ||
| Q3 24 | 15.8% | -338.0% | ||
| Q2 24 | -5.0% | -504.9% |
资本支出强度FSTRLC
| Q1 26 | — | — | ||
| Q4 25 | 1.5% | 52.7% | ||
| Q3 25 | 2.0% | 7.9% | ||
| Q2 25 | 1.9% | 36.5% | ||
| Q1 25 | 2.6% | 6.0% | ||
| Q4 24 | 1.5% | 25.0% | ||
| Q3 24 | 2.2% | 6.2% | ||
| Q2 24 | 1.5% | 6.9% |
现金转化率FSTRLC
| Q1 26 | — | — | ||
| Q4 25 | 9.18× | — | ||
| Q3 25 | 6.70× | -17.41× | ||
| Q2 25 | 3.61× | -18.68× | ||
| Q1 25 | — | -29.07× | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.69× | -46.33× | ||
| Q2 24 | -1.74× | -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
FSTR
| Rail Technologies And Services Segment | $98.0M | 61% |
| Over Time Output Method | $26.3M | 16% |
| Services | $19.4M | 12% |
| Rail Technologies Products | $10.0M | 6% |
| Over Time Input Method | $8.3M | 5% |
LC
暂无分部数据
