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HEARTLAND EXPRESS INC（HTLD）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HEARTLAND EXPRESS INC的1.4倍（$252.3M vs $179.4M），LendingClub Corp净利率更高（20.5% vs -10.8%，领先31.3%），LendingClub Corp同比增速更快（15.9% vs -26.1%），过去两年LendingClub Corp的营收复合增速更高（16.1% vs -18.5%）
哈特兰德快运是一家总部位于艾奥瓦州北利伯蒂的美国公路货运企业，核心业务为覆盖美国全境的整车公路运输服务，在北美干线货运领域拥有稳定的运营网络与行业经验。
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。
HTLD vs LC — 直观对比
营收规模更大
LC
是对方的1.4倍
$179.4M
营收增速更快
LC
高出42.0%
-26.1%
净利率更高
LC
高出31.3%
-10.8%
两年增速更快
LC
近两年复合增速
-18.5%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $179.4M | $252.3M |
| 净利润 | $-19.4M | $51.6M |
| 毛利率 | — | — |
| 营业利润率 | -12.7% | — |
| 净利率 | -10.8% | 20.5% |
| 营收同比 | -26.1% | 15.9% |
| 净利润同比 | -949.2% | 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HTLDLC
| Q1 26 | — | $252.3M | ||
| Q4 25 | $179.4M | $266.5M | ||
| Q3 25 | $196.5M | $266.2M | ||
| Q2 25 | $210.4M | $248.4M | ||
| Q1 25 | $219.4M | $217.7M | ||
| Q4 24 | $242.6M | $217.2M | ||
| Q3 24 | $259.9M | $201.9M | ||
| Q2 24 | $274.8M | $187.2M |
净利润HTLDLC
| Q1 26 | — | $51.6M | ||
| Q4 25 | $-19.4M | — | ||
| Q3 25 | $-8.3M | $44.3M | ||
| Q2 25 | $-10.9M | $38.2M | ||
| Q1 25 | $-13.9M | $11.7M | ||
| Q4 24 | $-1.9M | — | ||
| Q3 24 | $-9.3M | $14.5M | ||
| Q2 24 | $-3.5M | $14.9M |
营业利润率HTLDLC
| Q1 26 | — | — | ||
| Q4 25 | -12.7% | 18.8% | ||
| Q3 25 | -3.7% | 21.5% | ||
| Q2 25 | -5.9% | 21.7% | ||
| Q1 25 | -6.8% | 7.2% | ||
| Q4 24 | 0.4% | 5.1% | ||
| Q3 24 | -2.7% | 8.9% | ||
| Q2 24 | 0.1% | 10.4% |
净利率HTLDLC
| Q1 26 | — | 20.5% | ||
| Q4 25 | -10.8% | — | ||
| Q3 25 | -4.2% | 16.6% | ||
| Q2 25 | -5.2% | 15.4% | ||
| Q1 25 | -6.3% | 5.4% | ||
| Q4 24 | -0.8% | — | ||
| Q3 24 | -3.6% | 7.2% | ||
| Q2 24 | -1.3% | 8.0% |
每股收益（稀释后）HTLDLC
| Q1 26 | — | $0.44 | ||
| Q4 25 | $-0.24 | $0.36 | ||
| Q3 25 | $-0.11 | $0.37 | ||
| Q2 25 | $-0.14 | $0.33 | ||
| Q1 25 | $-0.18 | $0.10 | ||
| Q4 24 | $-0.03 | $0.08 | ||
| Q3 24 | $-0.12 | $0.13 | ||
| Q2 24 | $-0.04 | $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 | $18.5M | — |
| 总债务越低越好 | $154.1M | — |
| 股东权益账面价值 | $755.3M | $1.5B |
| 总资产 | $1.2B | $11.9B |
| 负债/权益比越低杠杆越低 | 0.20× | — |
8季度趋势，按日历期对齐
现金及短期投资HTLDLC
| Q1 26 | — | — | ||
| Q4 25 | $18.5M | — | ||
| Q3 25 | $32.7M | — | ||
| Q2 25 | $22.9M | — | ||
| Q1 25 | $23.9M | — | ||
| Q4 24 | $12.8M | — | ||
| Q3 24 | $30.7M | — | ||
| Q2 24 | $23.9M | — |
总债务HTLDLC
| Q1 26 | — | — | ||
| Q4 25 | $154.1M | $0 | ||
| Q3 25 | — | $0 | ||
| Q2 25 | — | $0 | ||
| Q1 25 | — | $0 | ||
| Q4 24 | $187.9M | $0 | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益HTLDLC
| Q1 26 | — | $1.5B | ||
| Q4 25 | $755.3M | $1.5B | ||
| Q3 25 | $775.6M | $1.5B | ||
| Q2 25 | $786.7M | $1.4B | ||
| Q1 25 | $807.7M | $1.4B | ||
| Q4 24 | $822.6M | $1.3B | ||
| Q3 24 | $825.7M | $1.3B | ||
| Q2 24 | $836.8M | $1.3B |
总资产HTLDLC
| Q1 26 | — | $11.9B | ||
| Q4 25 | $1.2B | $11.6B | ||
| Q3 25 | $1.3B | $11.1B | ||
| Q2 25 | $1.3B | $10.8B | ||
| Q1 25 | $1.3B | $10.5B | ||
| Q4 24 | $1.3B | $10.6B | ||
| Q3 24 | $1.4B | $11.0B | ||
| Q2 24 | $1.4B | $9.6B |
负债/权益比HTLDLC
| Q1 26 | — | — | ||
| Q4 25 | 0.20× | 0.00× | ||
| Q3 25 | — | 0.00× | ||
| Q2 25 | — | 0.00× | ||
| Q1 25 | — | 0.00× | ||
| Q4 24 | 0.23× | 0.00× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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 | $14.9M | — |
| 自由现金流经营现金流 - 资本支出 | $-44.2M | — |
| 自由现金流率自由现金流/营收 | -24.6% | — |
| 资本支出强度资本支出/营收 | 33.0% | — |
| 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 | $-66.9M | — |
8季度趋势，按日历期对齐
经营现金流HTLDLC
| Q1 26 | — | — | ||
| Q4 25 | $14.9M | $-2.7B | ||
| Q3 25 | $27.5M | $-770.8M | ||
| Q2 25 | $21.0M | $-713.1M | ||
| Q1 25 | $25.8M | $-339.3M | ||
| Q4 24 | $37.8M | $-2.6B | ||
| Q3 24 | $35.6M | $-669.8M | ||
| Q2 24 | $40.0M | $-932.5M |
自由现金流HTLDLC
| Q1 26 | — | — | ||
| Q4 25 | $-44.2M | $-2.9B | ||
| Q3 25 | $-12.2M | $-791.8M | ||
| Q2 25 | $-12.8M | $-803.8M | ||
| Q1 25 | $2.3M | $-352.3M | ||
| Q4 24 | $-45.5M | $-2.7B | ||
| Q3 24 | $24.6M | $-682.3M | ||
| Q2 24 | $29.4M | $-945.3M |
自由现金流率HTLDLC
| Q1 26 | — | — | ||
| Q4 25 | -24.6% | -1076.0% | ||
| Q3 25 | -6.2% | -297.4% | ||
| Q2 25 | -6.1% | -323.5% | ||
| Q1 25 | 1.0% | -161.8% | ||
| Q4 24 | -18.8% | -1237.8% | ||
| Q3 24 | 9.5% | -338.0% | ||
| Q2 24 | 10.7% | -504.9% |
资本支出强度HTLDLC
| Q1 26 | — | — | ||
| Q4 25 | 33.0% | 52.7% | ||
| Q3 25 | 20.2% | 7.9% | ||
| Q2 25 | 16.1% | 36.5% | ||
| Q1 25 | 10.7% | 6.0% | ||
| Q4 24 | 34.3% | 25.0% | ||
| Q3 24 | 4.2% | 6.2% | ||
| Q2 24 | 3.8% | 6.9% |
现金转化率HTLDLC
| 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
