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LendingClub Corp（LC）与百胜餐饮集团（LCUT）财务数据对比。点击上方公司名可切换其他公司
LendingClub Corp的季度营收约是百胜餐饮集团的1.2倍（$252.3M vs $204.1M），LendingClub Corp净利率更高（20.5% vs 8.9%，领先11.6%），LendingClub Corp同比增速更快（15.9% vs -5.2%），过去两年百胜餐饮集团的营收复合增速更高（19.8% vs 16.1%）
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。
百胜餐饮集团是美国跨国快餐企业，1977年百事可乐收购肯德基、必胜客、塔可Bell后将其整合为旗下子公司，1997年百事剥离该业务板块后正式独立为百胜集团。集团目前运营肯德基、必胜客、塔可Bell、哈比特汉堡等多个餐饮品牌，同时布局相关餐饮科技业务，门店网络遍布全球多个国家和地区。
LC vs LCUT — 直观对比
营收规模更大
LC
是对方的1.2倍
$204.1M
营收增速更快
LC
高出21.1%
-5.2%
净利率更高
LC
高出11.6%
8.9%
两年增速更快
LCUT
近两年复合增速
16.1%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $252.3M | $204.1M |
| 净利润 | $51.6M | $18.2M |
| 毛利率 | — | 38.6% |
| 营业利润率 | — | 9.8% |
| 净利率 | 20.5% | 8.9% |
| 营收同比 | 15.9% | -5.2% |
| 净利润同比 | 341.0% | 103.5% |
| 每股收益（稀释后） | $0.44 | $0.83 |
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LCLCUT
| Q1 26 | $252.3M | — | ||
| Q4 25 | $266.5M | $204.1M | ||
| Q3 25 | $266.2M | $171.9M | ||
| Q2 25 | $248.4M | $131.9M | ||
| Q1 25 | $217.7M | $140.1M | ||
| Q4 24 | $217.2M | $215.2M | ||
| Q3 24 | $201.9M | $183.8M | ||
| Q2 24 | $187.2M | $141.7M |
净利润LCLCUT
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | $18.2M | ||
| Q3 25 | $44.3M | $-1.2M | ||
| Q2 25 | $38.2M | $-39.7M | ||
| Q1 25 | $11.7M | $-4.2M | ||
| Q4 24 | — | $8.9M | ||
| Q3 24 | $14.5M | $344.0K | ||
| Q2 24 | $14.9M | $-18.2M |
毛利率LCLCUT
| Q1 26 | — | — | ||
| Q4 25 | — | 38.6% | ||
| Q3 25 | — | 35.1% | ||
| Q2 25 | — | 38.6% | ||
| Q1 25 | — | 36.1% | ||
| Q4 24 | — | 37.7% | ||
| Q3 24 | — | 36.7% | ||
| Q2 24 | — | 38.5% |
营业利润率LCLCUT
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | 9.8% | ||
| Q3 25 | 21.5% | 3.9% | ||
| Q2 25 | 21.7% | -28.2% | ||
| Q1 25 | 7.2% | 0.8% | ||
| Q4 24 | 5.1% | 7.2% | ||
| Q3 24 | 8.9% | 4.7% | ||
| Q2 24 | 10.4% | 0.8% |
净利率LCLCUT
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | 8.9% | ||
| Q3 25 | 16.6% | -0.7% | ||
| Q2 25 | 15.4% | -30.1% | ||
| Q1 25 | 5.4% | -3.0% | ||
| Q4 24 | — | 4.1% | ||
| Q3 24 | 7.2% | 0.2% | ||
| Q2 24 | 8.0% | -12.8% |
每股收益（稀释后）LCLCUT
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | $0.83 | ||
| Q3 25 | $0.37 | $-0.05 | ||
| Q2 25 | $0.33 | $-1.83 | ||
| Q1 25 | $0.10 | $-0.19 | ||
| Q4 24 | $0.08 | $0.41 | ||
| Q3 24 | $0.13 | $0.02 | ||
| Q2 24 | $0.13 | $-0.85 |
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 | — | $135.0M |
| 股东权益账面价值 | $1.5B | $202.3M |
| 总资产 | $11.9B | $572.6M |
| 负债/权益比越低杠杆越低 | — | 0.67× |
8季度趋势，按日历期对齐
现金及短期投资LCLCUT
| Q1 26 | — | — | ||
| Q4 25 | — | $4.3M | ||
| Q3 25 | — | $12.1M | ||
| Q2 25 | — | $12.0M | ||
| Q1 25 | — | $10.4M | ||
| Q4 24 | — | $2.9M | ||
| Q3 24 | — | $6.0M | ||
| Q2 24 | — | $3.4M |
总债务LCLCUT
| Q1 26 | — | — | ||
| Q4 25 | $0 | $135.0M | ||
| Q3 25 | $0 | — | ||
| Q2 25 | $0 | — | ||
| Q1 25 | $0 | — | ||
| Q4 24 | $0 | $142.5M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益LCLCUT
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | $202.3M | ||
| Q3 25 | $1.5B | $184.6M | ||
| Q2 25 | $1.4B | $185.8M | ||
| Q1 25 | $1.4B | $225.7M | ||
| Q4 24 | $1.3B | $229.9M | ||
| Q3 24 | $1.3B | $220.9M | ||
| Q2 24 | $1.3B | $219.8M |
总资产LCLCUT
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | $572.6M | ||
| Q3 25 | $11.1B | $581.1M | ||
| Q2 25 | $10.8B | $551.9M | ||
| Q1 25 | $10.5B | $594.6M | ||
| Q4 24 | $10.6B | $634.3M | ||
| Q3 24 | $11.0B | $668.7M | ||
| Q2 24 | $9.6B | $617.0M |
负债/权益比LCLCUT
| Q1 26 | — | — | ||
| Q4 25 | 0.00× | 0.67× | ||
| Q3 25 | 0.00× | — | ||
| Q2 25 | 0.00× | — | ||
| Q1 25 | 0.00× | — | ||
| Q4 24 | 0.00× | 0.62× | ||
| 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 | — | $3.7M |
| 自由现金流经营现金流 - 资本支出 | — | $2.6M |
| 自由现金流率自由现金流/营收 | — | 1.3% |
| 资本支出强度资本支出/营收 | — | 0.6% |
| 现金转化率经营现金流/净利润 | — | 0.21× |
| 过去12个月自由现金流最近4个季度 | — | $3.3M |
8季度趋势，按日历期对齐
经营现金流LCLCUT
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | $3.7M | ||
| Q3 25 | $-770.8M | $-22.2M | ||
| Q2 25 | $-713.1M | $9.3M | ||
| Q1 25 | $-339.3M | $16.7M | ||
| Q4 24 | $-2.6B | $20.3M | ||
| Q3 24 | $-669.8M | $-22.7M | ||
| Q2 24 | $-932.5M | $10.4M |
自由现金流LCLCUT
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | $2.6M | ||
| Q3 25 | $-791.8M | $-22.7M | ||
| Q2 25 | $-803.8M | $8.2M | ||
| Q1 25 | $-352.3M | $15.1M | ||
| Q4 24 | $-2.7B | $19.7M | ||
| Q3 24 | $-682.3M | $-23.2M | ||
| Q2 24 | $-945.3M | $9.9M |
自由现金流率LCLCUT
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | 1.3% | ||
| Q3 25 | -297.4% | -13.2% | ||
| Q2 25 | -323.5% | 6.2% | ||
| Q1 25 | -161.8% | 10.8% | ||
| Q4 24 | -1237.8% | 9.1% | ||
| Q3 24 | -338.0% | -12.6% | ||
| Q2 24 | -504.9% | 7.0% |
资本支出强度LCLCUT
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | 0.6% | ||
| Q3 25 | 7.9% | 0.3% | ||
| Q2 25 | 36.5% | 0.9% | ||
| Q1 25 | 6.0% | 1.1% | ||
| Q4 24 | 25.0% | 0.3% | ||
| Q3 24 | 6.2% | 0.3% | ||
| Q2 24 | 6.9% | 0.4% |
现金转化率LCLCUT
| Q1 26 | — | — | ||
| Q4 25 | — | 0.21× | ||
| Q3 25 | -17.41× | — | ||
| Q2 25 | -18.68× | — | ||
| Q1 25 | -29.07× | — | ||
| Q4 24 | — | 2.28× | ||
| Q3 24 | -46.33× | -65.89× | ||
| 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
LC
暂无分部数据
LCUT
| Kitchenware | $114.3M | 56% |
| Tableware | $41.7M | 20% |
| Home Solutions | $29.4M | 14% |
| Other | $18.8M | 9% |
