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LendingClub Corp（LC）与迈心诺（MASI）财务数据对比。点击上方公司名可切换其他公司
迈心诺的季度营收约是LendingClub Corp的1.5倍（$371.5M vs $252.3M），LendingClub Corp净利率更高（20.5% vs -27.0%，领先47.5%），LendingClub Corp同比增速更快（15.9% vs -26.4%），过去两年LendingClub Corp的营收复合增速更高（16.1% vs -17.7%）
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。
迈心诺（Masimo Corporation）是总部位于美国加利福尼亚州尔湾的健康科技及消费电子企业，核心产品包括面向医院及家用场景的患者监护设备、无创传感器及配套软件平台，同时也布局了消费级音频和可穿戴设备赛道。
LC vs MASI — 直观对比
营收规模更大
MASI
是对方的1.5倍
$252.3M
营收增速更快
LC
高出42.3%
-26.4%
净利率更高
LC
高出47.5%
-27.0%
两年增速更快
LC
近两年复合增速
-17.7%
损益表 — Q1 FY2026 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $252.3M | $371.5M |
| 净利润 | $51.6M | $-100.4M |
| 毛利率 | — | 62.1% |
| 营业利润率 | — | 22.5% |
| 净利率 | 20.5% | -27.0% |
| 营收同比 | 15.9% | -26.4% |
| 净利润同比 | 341.0% | -1124.5% |
| 每股收益（稀释后） | $0.44 | $-1.84 |
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LCMASI
| Q1 26 | $252.3M | — | ||
| Q4 25 | $266.5M | — | ||
| Q3 25 | $266.2M | $371.5M | ||
| Q2 25 | $248.4M | $370.9M | ||
| Q1 25 | $217.7M | $372.0M | ||
| Q4 24 | $217.2M | $600.7M | ||
| Q3 24 | $201.9M | $504.6M | ||
| Q2 24 | $187.2M | $496.3M |
净利润LCMASI
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | $44.3M | $-100.4M | ||
| Q2 25 | $38.2M | $51.3M | ||
| Q1 25 | $11.7M | $-170.7M | ||
| Q4 24 | — | $-349.6M | ||
| Q3 24 | $14.5M | $9.8M | ||
| Q2 24 | $14.9M | $16.0M |
毛利率LCMASI
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 62.1% | ||
| Q2 25 | — | 62.9% | ||
| Q1 25 | — | 62.9% | ||
| Q4 24 | — | 40.7% | ||
| Q3 24 | — | 52.2% | ||
| Q2 24 | — | 51.3% |
营业利润率LCMASI
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | — | ||
| Q3 25 | 21.5% | 22.5% | ||
| Q2 25 | 21.7% | 17.4% | ||
| Q1 25 | 7.2% | 21.0% | ||
| Q4 24 | 5.1% | -59.8% | ||
| Q3 24 | 8.9% | 6.0% | ||
| Q2 24 | 10.4% | 5.7% |
净利率LCMASI
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 16.6% | -27.0% | ||
| Q2 25 | 15.4% | 13.8% | ||
| Q1 25 | 5.4% | -45.9% | ||
| Q4 24 | — | -58.2% | ||
| Q3 24 | 7.2% | 1.9% | ||
| Q2 24 | 8.0% | 3.2% |
每股收益（稀释后）LCMASI
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | — | ||
| Q3 25 | $0.37 | $-1.84 | ||
| Q2 25 | $0.33 | $0.94 | ||
| Q1 25 | $0.10 | $-3.12 | ||
| Q4 24 | $0.08 | $-6.54 | ||
| Q3 24 | $0.13 | $0.18 | ||
| Q2 24 | $0.13 | $0.29 |
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 | — | $312.3M |
| 总债务越低越好 | — | $559.1M |
| 股东权益账面价值 | $1.5B | $810.0M |
| 总资产 | $11.9B | $1.8B |
| 负债/权益比越低杠杆越低 | — | 0.69× |
8季度趋势，按日历期对齐
现金及短期投资LCMASI
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $312.3M | ||
| Q2 25 | — | $149.6M | ||
| Q1 25 | — | $130.8M | ||
| Q4 24 | — | $177.6M | ||
| Q3 24 | — | $158.5M | ||
| Q2 24 | — | $129.6M |
总债务LCMASI
| Q1 26 | — | — | ||
| Q4 25 | $0 | — | ||
| Q3 25 | $0 | $559.1M | ||
| Q2 25 | $0 | $613.7M | ||
| Q1 25 | $0 | $651.0M | ||
| Q4 24 | $0 | $765.2M | ||
| Q3 24 | — | $772.6M | ||
| Q2 24 | — | $781.6M |
股东权益LCMASI
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | — | ||
| Q3 25 | $1.5B | $810.0M | ||
| Q2 25 | $1.4B | $1.0B | ||
| Q1 25 | $1.4B | $946.4M | ||
| Q4 24 | $1.3B | $1.1B | ||
| Q3 24 | $1.3B | $1.5B | ||
| Q2 24 | $1.3B | $1.4B |
总资产LCMASI
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | — | ||
| Q3 25 | $11.1B | $1.8B | ||
| Q2 25 | $10.8B | $2.4B | ||
| Q1 25 | $10.5B | $2.3B | ||
| Q4 24 | $10.6B | $2.6B | ||
| Q3 24 | $11.0B | $3.1B | ||
| Q2 24 | $9.6B | $2.9B |
负债/权益比LCMASI
| Q1 26 | — | — | ||
| Q4 25 | 0.00× | — | ||
| Q3 25 | 0.00× | 0.69× | ||
| Q2 25 | 0.00× | 0.59× | ||
| Q1 25 | 0.00× | 0.69× | ||
| Q4 24 | 0.00× | 0.73× | ||
| Q3 24 | — | 0.53× | ||
| Q2 24 | — | 0.57× |
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 | — | $56.8M |
| 自由现金流经营现金流 - 资本支出 | — | $50.9M |
| 自由现金流率自由现金流/营收 | — | 13.7% |
| 资本支出强度资本支出/营收 | — | 1.6% |
| 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 | — | $191.0M |
8季度趋势，按日历期对齐
经营现金流LCMASI
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | — | ||
| Q3 25 | $-770.8M | $56.8M | ||
| Q2 25 | $-713.1M | $69.4M | ||
| Q1 25 | $-339.3M | $31.1M | ||
| Q4 24 | $-2.6B | $50.5M | ||
| Q3 24 | $-669.8M | $25.6M | ||
| Q2 24 | $-932.5M | $74.5M |
自由现金流LCMASI
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | — | ||
| Q3 25 | $-791.8M | $50.9M | ||
| Q2 25 | $-803.8M | $65.6M | ||
| Q1 25 | $-352.3M | $28.5M | ||
| Q4 24 | $-2.7B | $46.0M | ||
| Q3 24 | $-682.3M | $16.9M | ||
| Q2 24 | $-945.3M | $66.9M |
自由现金流率LCMASI
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | — | ||
| Q3 25 | -297.4% | 13.7% | ||
| Q2 25 | -323.5% | 17.7% | ||
| Q1 25 | -161.8% | 7.7% | ||
| Q4 24 | -1237.8% | 7.7% | ||
| Q3 24 | -338.0% | 3.3% | ||
| Q2 24 | -504.9% | 13.5% |
资本支出强度LCMASI
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | — | ||
| Q3 25 | 7.9% | 1.6% | ||
| Q2 25 | 36.5% | 1.0% | ||
| Q1 25 | 6.0% | 0.7% | ||
| Q4 24 | 25.0% | 0.7% | ||
| Q3 24 | 6.2% | 1.7% | ||
| Q2 24 | 6.9% | 1.5% |
现金转化率LCMASI
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | -17.41× | — | ||
| Q2 25 | -18.68× | 1.35× | ||
| Q1 25 | -29.07× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | -46.33× | 2.61× | ||
| Q2 24 | -62.57× | 4.66× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
