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LendingClub Corp（LC）与Open Lending Corp（LPRO）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Open Lending Corp的13.8倍（$266.5M vs $19.3M）。Open Lending Corp同比增速更快（134.0% vs 22.7%）。过去两年LendingClub Corp的营收复合增速更高（21.4% vs -13.8%）
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。
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LC vs LPRO — 直观对比
营收规模更大
LC
是对方的13.8倍
$19.3M
营收增速更快
LPRO
高出111.3%
22.7%
两年增速更快
LC
近两年复合增速
-13.8%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $266.5M | $19.3M |
| 净利润 | — | — |
| 毛利率 | — | 76.0% |
| 营业利润率 | 18.8% | 3.9% |
| 净利率 | — | — |
| 营收同比 | 22.7% | 134.0% |
| 净利润同比 | — | — |
| 每股收益（稀释后） | $0.36 | $-0.00 |
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LCLPRO
| Q4 25 | $266.5M | $19.3M | ||
| Q3 25 | $266.2M | $24.2M | ||
| Q2 25 | $248.4M | $25.3M | ||
| Q1 25 | $217.7M | $24.4M | ||
| Q4 24 | $217.2M | $-56.9M | ||
| Q3 24 | $201.9M | $23.5M | ||
| Q2 24 | $187.2M | — | ||
| Q1 24 | $180.7M | — |
净利润LCLPRO
| Q4 25 | — | — | ||
| Q3 25 | $44.3M | $-7.6M | ||
| Q2 25 | $38.2M | $1.0M | ||
| Q1 25 | $11.7M | $617.0K | ||
| Q4 24 | — | — | ||
| Q3 24 | $14.5M | $1.4M | ||
| Q2 24 | $14.9M | — | ||
| Q1 24 | $12.3M | — |
毛利率LCLPRO
| Q4 25 | — | 76.0% | ||
| Q3 25 | — | 78.0% | ||
| Q2 25 | — | 78.2% | ||
| Q1 25 | — | 75.1% | ||
| Q4 24 | — | 111.0% | ||
| Q3 24 | — | 73.9% | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
营业利润率LCLPRO
| Q4 25 | 18.8% | 3.9% | ||
| Q3 25 | 21.5% | -31.9% | ||
| Q2 25 | 21.7% | 4.6% | ||
| Q1 25 | 7.2% | 3.1% | ||
| Q4 24 | 5.1% | 138.0% | ||
| Q3 24 | 8.9% | 7.9% | ||
| Q2 24 | 10.4% | — | ||
| Q1 24 | 9.1% | — |
净利率LCLPRO
| Q4 25 | — | — | ||
| Q3 25 | 16.6% | -31.3% | ||
| Q2 25 | 15.4% | 4.1% | ||
| Q1 25 | 5.4% | 2.5% | ||
| Q4 24 | — | — | ||
| Q3 24 | 7.2% | 6.1% | ||
| Q2 24 | 8.0% | — | ||
| Q1 24 | 6.8% | — |
每股收益（稀释后）LCLPRO
| Q4 25 | $0.36 | $-0.00 | ||
| Q3 25 | $0.37 | $-0.06 | ||
| Q2 25 | $0.33 | $0.01 | ||
| Q1 25 | $0.10 | $0.01 | ||
| Q4 24 | $0.08 | $-1.20 | ||
| Q3 24 | $0.13 | $0.01 | ||
| Q2 24 | $0.13 | — | ||
| Q1 24 | $0.11 | — |
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 | — | $176.6M |
| 总债务越低越好 | $0 | $84.8M |
| 股东权益账面价值 | $1.5B | $75.0M |
| 总资产 | $11.6B | $236.7M |
| 负债/权益比越低杠杆越低 | 0.00× | 1.13× |
8季度趋势，按日历期对齐
现金及短期投资LCLPRO
| Q4 25 | — | $176.6M | ||
| Q3 25 | — | $222.1M | ||
| Q2 25 | — | $230.7M | ||
| Q1 25 | — | $236.2M | ||
| Q4 24 | — | $243.2M | ||
| Q3 24 | — | $250.2M | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
总债务LCLPRO
| Q4 25 | $0 | $84.8M | ||
| Q3 25 | $0 | $134.4M | ||
| Q2 25 | $0 | $136.1M | ||
| Q1 25 | $0 | $137.9M | ||
| Q4 24 | $0 | $139.7M | ||
| Q3 24 | — | $141.5M | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益LCLPRO
| Q4 25 | $1.5B | $75.0M | ||
| Q3 25 | $1.5B | $72.8M | ||
| Q2 25 | $1.4B | $78.9M | ||
| Q1 25 | $1.4B | $79.8M | ||
| Q4 24 | $1.3B | $78.1M | ||
| Q3 24 | $1.3B | $220.5M | ||
| Q2 24 | $1.3B | — | ||
| Q1 24 | $1.3B | — |
总资产LCLPRO
| Q4 25 | $11.6B | $236.7M | ||
| Q3 25 | $11.1B | $287.7M | ||
| Q2 25 | $10.8B | $296.7M | ||
| Q1 25 | $10.5B | $304.2M | ||
| Q4 24 | $10.6B | $296.4M | ||
| Q3 24 | $11.0B | $395.7M | ||
| Q2 24 | $9.6B | — | ||
| Q1 24 | $9.2B | — |
负债/权益比LCLPRO
| Q4 25 | 0.00× | 1.13× | ||
| Q3 25 | 0.00× | 1.84× | ||
| Q2 25 | 0.00× | 1.72× | ||
| Q1 25 | 0.00× | 1.73× | ||
| Q4 24 | 0.00× | 1.79× | ||
| Q3 24 | — | 0.64× | ||
| Q2 24 | — | — | ||
| Q1 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 | $-903.8M | $5.5M |
| 自由现金流经营现金流 - 资本支出 | $-919.3M | — |
| 自由现金流率自由现金流/营收 | -345.0% | — |
| 资本支出强度资本支出/营收 | 5.8% | 0.0% |
| 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 | $-2.9B | — |
8季度趋势，按日历期对齐
经营现金流LCLPRO
| Q4 25 | $-903.8M | $5.5M | ||
| Q3 25 | $-770.8M | $-5.7M | ||
| Q2 25 | $-713.1M | $848.0K | ||
| Q1 25 | $-339.3M | $-3.8M | ||
| Q4 24 | $-185.4M | $-3.4M | ||
| Q3 24 | $-669.8M | $11.4M | ||
| Q2 24 | $-932.5M | — | ||
| Q1 24 | $-846.5M | — |
自由现金流LCLPRO
| Q4 25 | $-919.3M | — | ||
| Q3 25 | $-791.8M | — | ||
| Q2 25 | $-803.8M | $837.0K | ||
| Q1 25 | $-352.3M | $-3.9M | ||
| Q4 24 | $-202.6M | $-3.4M | ||
| Q3 24 | $-682.3M | $11.3M | ||
| Q2 24 | $-945.3M | — | ||
| Q1 24 | $-858.3M | — |
自由现金流率LCLPRO
| Q4 25 | -345.0% | — | ||
| Q3 25 | -297.4% | — | ||
| Q2 25 | -323.5% | 3.3% | ||
| Q1 25 | -161.8% | -15.9% | ||
| Q4 24 | -93.3% | 5.9% | ||
| Q3 24 | -338.0% | 48.0% | ||
| Q2 24 | -504.9% | — | ||
| Q1 24 | -475.0% | — |
资本支出强度LCLPRO
| Q4 25 | 5.8% | 0.0% | ||
| Q3 25 | 7.9% | 0.0% | ||
| Q2 25 | 36.5% | 0.0% | ||
| Q1 25 | 6.0% | 0.2% | ||
| Q4 24 | 7.9% | -0.0% | ||
| Q3 24 | 6.2% | 0.5% | ||
| Q2 24 | 6.9% | — | ||
| Q1 24 | 6.5% | — |
现金转化率LCLPRO
| Q4 25 | — | — | ||
| Q3 25 | -17.41× | — | ||
| Q2 25 | -18.68× | 0.82× | ||
| Q1 25 | -29.07× | -6.22× | ||
| Q4 24 | — | — | ||
| Q3 24 | -46.33× | 7.92× | ||
| Q2 24 | -62.57× | — | ||
| Q1 24 | -69.10× | — |
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
| Lending Club Bank | $162.8M | 61% |
| Other | $82.3M | 31% |
| Servicing Fees | $12.8M | 5% |
| Lending Club Corporation | $8.5M | 3% |
LPRO
暂无分部数据
