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First Watch Restaurant Group, Inc.（FWRG）与LendingClub Corp（LC）财务数据对比。点击上方公司名可切换其他公司
First Watch Restaurant Group, Inc.的季度营收约是LendingClub Corp的1.3倍（$316.4M vs $252.3M），First Watch Restaurant Group, Inc.同比增速更快（20.2% vs 15.9%），过去两年LendingClub Corp的营收复合增速更高（16.1% vs 14.2%）
该企业原信息存在公司混淆错误，实际First Watch Restaurant Group是美国餐饮集团，主打鲜制早餐、早午餐与午餐，在美国多个州运营自营与特许加盟餐厅，聚焦日间休闲餐饮市场，为消费者提供新鲜健康的美式餐食选择。
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。
FWRG vs LC — 直观对比
营收规模更大
FWRG
是对方的1.3倍
$252.3M
营收增速更快
FWRG
高出4.3%
15.9%
两年增速更快
LC
近两年复合增速
14.2%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $316.4M | $252.3M |
| 净利润 | — | $51.6M |
| 毛利率 | — | — |
| 营业利润率 | 2.9% | — |
| 净利率 | — | 20.5% |
| 营收同比 | 20.2% | 15.9% |
| 净利润同比 | — | 341.0% |
| 每股收益（稀释后） | $0.24 | $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FWRGLC
| Q1 26 | — | $252.3M | ||
| Q4 25 | $316.4M | $266.5M | ||
| Q3 25 | $316.0M | $266.2M | ||
| Q2 25 | $307.9M | $248.4M | ||
| Q1 25 | $282.2M | $217.7M | ||
| Q4 24 | $263.3M | $217.2M | ||
| Q3 24 | $251.6M | $201.9M | ||
| Q2 24 | $258.6M | $187.2M |
净利润FWRGLC
| Q1 26 | — | $51.6M | ||
| Q4 25 | — | — | ||
| Q3 25 | $3.0M | $44.3M | ||
| Q2 25 | $2.1M | $38.2M | ||
| Q1 25 | $-829.0K | $11.7M | ||
| Q4 24 | — | — | ||
| Q3 24 | $2.1M | $14.5M | ||
| Q2 24 | $8.9M | $14.9M |
营业利润率FWRGLC
| Q1 26 | — | — | ||
| Q4 25 | 2.9% | 18.8% | ||
| Q3 25 | 3.2% | 21.5% | ||
| Q2 25 | 2.4% | 21.7% | ||
| Q1 25 | 0.4% | 7.2% | ||
| Q4 24 | 1.5% | 5.1% | ||
| Q3 24 | 2.5% | 8.9% | ||
| Q2 24 | 6.4% | 10.4% |
净利率FWRGLC
| Q1 26 | — | 20.5% | ||
| Q4 25 | — | — | ||
| Q3 25 | 0.9% | 16.6% | ||
| Q2 25 | 0.7% | 15.4% | ||
| Q1 25 | -0.3% | 5.4% | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.8% | 7.2% | ||
| Q2 24 | 3.4% | 8.0% |
每股收益（稀释后）FWRGLC
| Q1 26 | — | $0.44 | ||
| Q4 25 | $0.24 | $0.36 | ||
| Q3 25 | $0.05 | $0.37 | ||
| Q2 25 | $0.03 | $0.33 | ||
| Q1 25 | $-0.01 | $0.10 | ||
| Q4 24 | $0.01 | $0.08 | ||
| Q3 24 | $0.03 | $0.13 | ||
| Q2 24 | $0.14 | $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 | $21.2M | — |
| 总债务越低越好 | $269.1M | — |
| 股东权益账面价值 | $626.3M | $1.5B |
| 总资产 | $1.7B | $11.9B |
| 负债/权益比越低杠杆越低 | 0.43× | — |
8季度趋势，按日历期对齐
现金及短期投资FWRGLC
| Q1 26 | — | — | ||
| Q4 25 | $21.2M | — | ||
| Q3 25 | $20.7M | — | ||
| Q2 25 | $19.2M | — | ||
| Q1 25 | $18.6M | — | ||
| Q4 24 | $33.3M | — | ||
| Q3 24 | $51.1M | — | ||
| Q2 24 | $45.1M | — |
总债务FWRGLC
| Q1 26 | — | — | ||
| Q4 25 | $269.1M | $0 | ||
| Q3 25 | $251.0M | $0 | ||
| Q2 25 | $250.0M | $0 | ||
| Q1 25 | $191.5M | $0 | ||
| Q4 24 | $189.0M | $0 | ||
| Q3 24 | $189.7M | — | ||
| Q2 24 | $192.1M | — |
股东权益FWRGLC
| Q1 26 | — | $1.5B | ||
| Q4 25 | $626.3M | $1.5B | ||
| Q3 25 | $607.3M | $1.5B | ||
| Q2 25 | $601.3M | $1.4B | ||
| Q1 25 | $596.3M | $1.4B | ||
| Q4 24 | $595.4M | $1.3B | ||
| Q3 24 | $589.1M | $1.3B | ||
| Q2 24 | $585.8M | $1.3B |
总资产FWRGLC
| Q1 26 | — | $11.9B | ||
| Q4 25 | $1.7B | $11.6B | ||
| Q3 25 | $1.7B | $11.1B | ||
| Q2 25 | $1.7B | $10.8B | ||
| Q1 25 | $1.5B | $10.5B | ||
| Q4 24 | $1.5B | $10.6B | ||
| Q3 24 | $1.5B | $11.0B | ||
| Q2 24 | $1.4B | $9.6B |
负债/权益比FWRGLC
| Q1 26 | — | — | ||
| Q4 25 | 0.43× | 0.00× | ||
| Q3 25 | 0.41× | 0.00× | ||
| Q2 25 | 0.42× | 0.00× | ||
| Q1 25 | 0.32× | 0.00× | ||
| Q4 24 | 0.32× | 0.00× | ||
| Q3 24 | 0.32× | — | ||
| Q2 24 | 0.33× | — |
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 | $18.5M | — |
| 自由现金流经营现金流 - 资本支出 | $-18.3M | — |
| 自由现金流率自由现金流/营收 | -5.8% | — |
| 资本支出强度资本支出/营收 | 11.6% | — |
| 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 | $-31.0M | — |
8季度趋势，按日历期对齐
经营现金流FWRGLC
| Q1 26 | — | — | ||
| Q4 25 | $18.5M | $-2.7B | ||
| Q3 25 | $47.9M | $-770.8M | ||
| Q2 25 | $39.4M | $-713.1M | ||
| Q1 25 | $20.1M | $-339.3M | ||
| Q4 24 | $22.9M | $-2.6B | ||
| Q3 24 | $35.9M | $-669.8M | ||
| Q2 24 | $31.9M | $-932.5M |
自由现金流FWRGLC
| Q1 26 | — | — | ||
| Q4 25 | $-18.3M | $-2.9B | ||
| Q3 25 | $5.5M | $-791.8M | ||
| Q2 25 | $-1.7M | $-803.8M | ||
| Q1 25 | $-16.4M | $-352.3M | ||
| Q4 24 | $-17.7M | $-2.7B | ||
| Q3 24 | $6.8M | $-682.3M | ||
| Q2 24 | $2.3M | $-945.3M |
自由现金流率FWRGLC
| Q1 26 | — | — | ||
| Q4 25 | -5.8% | -1076.0% | ||
| Q3 25 | 1.7% | -297.4% | ||
| Q2 25 | -0.5% | -323.5% | ||
| Q1 25 | -5.8% | -161.8% | ||
| Q4 24 | -6.7% | -1237.8% | ||
| Q3 24 | 2.7% | -338.0% | ||
| Q2 24 | 0.9% | -504.9% |
资本支出强度FWRGLC
| Q1 26 | — | — | ||
| Q4 25 | 11.6% | 52.7% | ||
| Q3 25 | 13.4% | 7.9% | ||
| Q2 25 | 13.4% | 36.5% | ||
| Q1 25 | 13.0% | 6.0% | ||
| Q4 24 | 15.4% | 25.0% | ||
| Q3 24 | 11.6% | 6.2% | ||
| Q2 24 | 11.5% | 6.9% |
现金转化率FWRGLC
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 16.01× | -17.41× | ||
| Q2 25 | 18.72× | -18.68× | ||
| Q1 25 | — | -29.07× | ||
| Q4 24 | — | — | ||
| Q3 24 | 16.98× | -46.33× | ||
| Q2 24 | 3.59× | -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
FWRG
| In Restaurant Dining Sales | $254.1M | 80% |
| Third Party Delivery Sales | $38.6M | 12% |
| Take Out Sales | $21.3M | 7% |
| Royalty And System Fund Contributions | $2.3M | 1% |
LC
暂无分部数据
