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LendingClub Corp（LC）与LifeStance Health Group, Inc.（LFST）财务数据对比。点击上方公司名可切换其他公司
LifeStance Health Group, Inc.的季度营收约是LendingClub Corp的1.5倍（$382.2M vs $252.3M），LendingClub Corp净利率更高（20.5% vs 3.1%，领先17.4%），LifeStance Health Group, Inc.同比增速更快（17.4% vs 15.9%），过去两年LendingClub Corp的营收复合增速更高（16.1% vs 12.8%）
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。
LifeStance Health Group是美国的门诊行为健康服务提供商，支持线下面诊与远程诊疗两种服务模式，业务涵盖心理咨询、精神科诊疗、经颅磁刺激（TMS）以及氯胺酮治疗等。该公司曾多次因劳动违规、客户信息泄露及误导投资者相关问题遭遇诉讼。
LC vs LFST — 直观对比
营收规模更大
LFST
是对方的1.5倍
$252.3M
营收增速更快
LFST
高出1.5%
15.9%
净利率更高
LC
高出17.4%
3.1%
两年增速更快
LC
近两年复合增速
12.8%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $252.3M | $382.2M |
| 净利润 | $51.6M | $11.7M |
| 毛利率 | — | — |
| 营业利润率 | — | 4.7% |
| 净利率 | 20.5% | 3.1% |
| 营收同比 | 15.9% | 17.4% |
| 净利润同比 | 341.0% | 264.1% |
| 每股收益（稀释后） | $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LCLFST
| Q1 26 | $252.3M | — | ||
| Q4 25 | $266.5M | $382.2M | ||
| Q3 25 | $266.2M | $363.8M | ||
| Q2 25 | $248.4M | $345.3M | ||
| Q1 25 | $217.7M | $333.0M | ||
| Q4 24 | $217.2M | $325.5M | ||
| Q3 24 | $201.9M | $312.7M | ||
| Q2 24 | $187.2M | $312.3M |
净利润LCLFST
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | $11.7M | ||
| Q3 25 | $44.3M | $1.1M | ||
| Q2 25 | $38.2M | $-3.8M | ||
| Q1 25 | $11.7M | $709.0K | ||
| Q4 24 | — | $-7.1M | ||
| Q3 24 | $14.5M | $-6.0M | ||
| Q2 24 | $14.9M | $-23.3M |
营业利润率LCLFST
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | 4.7% | ||
| Q3 25 | 21.5% | 2.0% | ||
| Q2 25 | 21.7% | -0.9% | ||
| Q1 25 | 7.2% | 0.5% | ||
| Q4 24 | 5.1% | 0.3% | ||
| Q3 24 | 8.9% | 0.0% | ||
| Q2 24 | 10.4% | -5.1% |
净利率LCLFST
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | 3.1% | ||
| Q3 25 | 16.6% | 0.3% | ||
| Q2 25 | 15.4% | -1.1% | ||
| Q1 25 | 5.4% | 0.2% | ||
| Q4 24 | — | -2.2% | ||
| Q3 24 | 7.2% | -1.9% | ||
| Q2 24 | 8.0% | -7.5% |
每股收益（稀释后）LCLFST
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | — | ||
| Q3 25 | $0.37 | — | ||
| Q2 25 | $0.33 | — | ||
| Q1 25 | $0.10 | — | ||
| Q4 24 | $0.08 | — | ||
| Q3 24 | $0.13 | — | ||
| Q2 24 | $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 | — | $248.6M |
| 总债务越低越好 | — | $282.8M |
| 股东权益账面价值 | $1.5B | $1.5B |
| 总资产 | $11.9B | $2.2B |
| 负债/权益比越低杠杆越低 | — | 0.19× |
8季度趋势，按日历期对齐
现金及短期投资LCLFST
| Q1 26 | — | — | ||
| Q4 25 | — | $248.6M | ||
| Q3 25 | — | $203.9M | ||
| Q2 25 | — | $188.9M | ||
| Q1 25 | — | $134.3M | ||
| Q4 24 | — | $154.6M | ||
| Q3 24 | — | $102.6M | ||
| Q2 24 | — | $87.0M |
总债务LCLFST
| Q1 26 | — | — | ||
| Q4 25 | $0 | $282.8M | ||
| Q3 25 | $0 | $284.6M | ||
| Q2 25 | $0 | $286.4M | ||
| Q1 25 | $0 | $288.2M | ||
| Q4 24 | $0 | $290.0M | ||
| Q3 24 | — | $287.3M | ||
| Q2 24 | — | $288.0M |
股东权益LCLFST
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | $1.5B | ||
| Q3 25 | $1.5B | $1.5B | ||
| Q2 25 | $1.4B | $1.5B | ||
| Q1 25 | $1.4B | $1.5B | ||
| Q4 24 | $1.3B | $1.4B | ||
| Q3 24 | $1.3B | $1.4B | ||
| Q2 24 | $1.3B | $1.4B |
总资产LCLFST
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | $2.2B | ||
| Q3 25 | $11.1B | $2.1B | ||
| Q2 25 | $10.8B | $2.1B | ||
| Q1 25 | $10.5B | $2.1B | ||
| Q4 24 | $10.6B | $2.1B | ||
| Q3 24 | $11.0B | $2.1B | ||
| Q2 24 | $9.6B | $2.1B |
负债/权益比LCLFST
| Q1 26 | — | — | ||
| Q4 25 | 0.00× | 0.19× | ||
| Q3 25 | 0.00× | 0.19× | ||
| Q2 25 | 0.00× | 0.19× | ||
| Q1 25 | 0.00× | 0.20× | ||
| Q4 24 | 0.00× | 0.20× | ||
| Q3 24 | — | 0.20× | ||
| Q2 24 | — | 0.20× |
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 | — | $57.6M |
| 自由现金流经营现金流 - 资本支出 | — | $46.6M |
| 自由现金流率自由现金流/营收 | — | 12.2% |
| 资本支出强度资本支出/营收 | — | 2.9% |
| 现金转化率经营现金流/净利润 | — | 4.93× |
| 过去12个月自由现金流最近4个季度 | — | $110.0M |
8季度趋势，按日历期对齐
经营现金流LCLFST
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | $57.6M | ||
| Q3 25 | $-770.8M | $27.3M | ||
| Q2 25 | $-713.1M | $64.4M | ||
| Q1 25 | $-339.3M | $-3.1M | ||
| Q4 24 | $-2.6B | $62.3M | ||
| Q3 24 | $-669.8M | $22.7M | ||
| Q2 24 | $-932.5M | $44.1M |
自由现金流LCLFST
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | $46.6M | ||
| Q3 25 | $-791.8M | $17.0M | ||
| Q2 25 | $-803.8M | $56.6M | ||
| Q1 25 | $-352.3M | $-10.3M | ||
| Q4 24 | $-2.7B | $56.0M | ||
| Q3 24 | $-682.3M | $17.7M | ||
| Q2 24 | $-945.3M | $39.0M |
自由现金流率LCLFST
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | 12.2% | ||
| Q3 25 | -297.4% | 4.7% | ||
| Q2 25 | -323.5% | 16.4% | ||
| Q1 25 | -161.8% | -3.1% | ||
| Q4 24 | -1237.8% | 17.2% | ||
| Q3 24 | -338.0% | 5.7% | ||
| Q2 24 | -504.9% | 12.5% |
资本支出强度LCLFST
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | 2.9% | ||
| Q3 25 | 7.9% | 2.8% | ||
| Q2 25 | 36.5% | 2.2% | ||
| Q1 25 | 6.0% | 2.2% | ||
| Q4 24 | 25.0% | 1.9% | ||
| Q3 24 | 6.2% | 1.6% | ||
| Q2 24 | 6.9% | 1.6% |
现金转化率LCLFST
| Q1 26 | — | — | ||
| Q4 25 | — | 4.93× | ||
| Q3 25 | -17.41× | 25.34× | ||
| Q2 25 | -18.68× | — | ||
| Q1 25 | -29.07× | -4.36× | ||
| 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
