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LendingClub Corp（LC）与Mativ Holdings, Inc.（MATV）财务数据对比。点击上方公司名可切换其他公司
Mativ Holdings, Inc.的季度营收约是LendingClub Corp的1.8倍（$463.1M vs $252.3M），Mativ Holdings, Inc.净利率更高（21.8% vs 20.5%，领先1.3%），LendingClub Corp同比增速更快（15.9% vs 1.0%），过去两年LendingClub Corp的营收复合增速更高（16.1% vs -3.8%）
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。
Mativ Holdings是一家全球特种材料制造商，主要生产高性能先进聚合物、无纺布、过滤解决方案及功能性涂层材料，服务医疗、工业、消费品、航空航天、能源等领域，业务遍及北美、欧洲及亚太地区。
LC vs MATV — 直观对比
营收规模更大
MATV
是对方的1.8倍
$252.3M
营收增速更快
LC
高出14.9%
1.0%
净利率更高
MATV
高出1.3%
20.5%
两年增速更快
LC
近两年复合增速
-3.8%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $252.3M | $463.1M |
| 净利润 | $51.6M | $100.8M |
| 毛利率 | — | 18.8% |
| 营业利润率 | — | 2.2% |
| 净利率 | 20.5% | 21.8% |
| 营收同比 | 15.9% | 1.0% |
| 净利润同比 | 341.0% | 6620.0% |
| 每股收益（稀释后） | $0.44 | $1.87 |
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LCMATV
| Q1 26 | $252.3M | — | ||
| Q4 25 | $266.5M | $463.1M | ||
| Q3 25 | $266.2M | $513.7M | ||
| Q2 25 | $248.4M | $525.4M | ||
| Q1 25 | $217.7M | $484.8M | ||
| Q4 24 | $217.2M | $458.6M | ||
| Q3 24 | $201.9M | $498.5M | ||
| Q2 24 | $187.2M | $523.8M |
净利润LCMATV
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | $100.8M | ||
| Q3 25 | $44.3M | $-3.2M | ||
| Q2 25 | $38.2M | $-9.5M | ||
| Q1 25 | $11.7M | $-425.5M | ||
| Q4 24 | — | $1.5M | ||
| Q3 24 | $14.5M | $-20.8M | ||
| Q2 24 | $14.9M | $-1.4M |
毛利率LCMATV
| Q1 26 | — | — | ||
| Q4 25 | — | 18.8% | ||
| Q3 25 | — | 19.3% | ||
| Q2 25 | — | 19.7% | ||
| Q1 25 | — | 15.0% | ||
| Q4 24 | — | 16.9% | ||
| Q3 24 | — | 18.8% | ||
| Q2 24 | — | 20.8% |
营业利润率LCMATV
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | 2.2% | ||
| Q3 25 | 21.5% | 3.1% | ||
| Q2 25 | 21.7% | 3.8% | ||
| Q1 25 | 7.2% | -88.8% | ||
| Q4 24 | 5.1% | 0.6% | ||
| Q3 24 | 8.9% | 1.4% | ||
| Q2 24 | 10.4% | 2.0% |
净利率LCMATV
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | 21.8% | ||
| Q3 25 | 16.6% | -0.6% | ||
| Q2 25 | 15.4% | -1.8% | ||
| Q1 25 | 5.4% | -87.8% | ||
| Q4 24 | — | 0.3% | ||
| Q3 24 | 7.2% | -4.2% | ||
| Q2 24 | 8.0% | -0.3% |
每股收益（稀释后）LCMATV
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | $1.87 | ||
| Q3 25 | $0.37 | $-0.06 | ||
| Q2 25 | $0.33 | $-0.18 | ||
| Q1 25 | $0.10 | $-7.82 | ||
| Q4 24 | $0.08 | $0.03 | ||
| Q3 24 | $0.13 | $-0.38 | ||
| Q2 24 | $0.13 | $-0.03 |
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 | — | $84.2M |
| 总债务越低越好 | — | $1.0B |
| 股东权益账面价值 | $1.5B | $498.7M |
| 总资产 | $11.9B | $2.1B |
| 负债/权益比越低杠杆越低 | — | 2.07× |
8季度趋势，按日历期对齐
现金及短期投资LCMATV
| Q1 26 | — | — | ||
| Q4 25 | — | $84.2M | ||
| Q3 25 | — | $97.1M | ||
| Q2 25 | — | $95.6M | ||
| Q1 25 | — | $84.0M | ||
| Q4 24 | — | $94.3M | ||
| Q3 24 | — | $162.2M | ||
| Q2 24 | — | $133.4M |
总债务LCMATV
| Q1 26 | — | — | ||
| Q4 25 | $0 | $1.0B | ||
| Q3 25 | $0 | $1.0B | ||
| Q2 25 | $0 | $1.1B | ||
| Q1 25 | $0 | $1.1B | ||
| Q4 24 | $0 | $1.1B | ||
| Q3 24 | — | $1.2B | ||
| Q2 24 | — | $1.2B |
股东权益LCMATV
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | $498.7M | ||
| Q3 25 | $1.5B | $397.4M | ||
| Q2 25 | $1.4B | $416.6M | ||
| Q1 25 | $1.4B | $428.2M | ||
| Q4 24 | $1.3B | $858.5M | ||
| Q3 24 | $1.3B | $882.3M | ||
| Q2 24 | $1.3B | $898.0M |
总资产LCMATV
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | $2.1B | ||
| Q3 25 | $11.1B | $2.0B | ||
| Q2 25 | $10.8B | $2.1B | ||
| Q1 25 | $10.5B | $2.1B | ||
| Q4 24 | $10.6B | $2.4B | ||
| Q3 24 | $11.0B | $2.6B | ||
| Q2 24 | $9.6B | $2.6B |
负债/权益比LCMATV
| Q1 26 | — | — | ||
| Q4 25 | 0.00× | 2.07× | ||
| Q3 25 | 0.00× | 2.63× | ||
| Q2 25 | 0.00× | 2.66× | ||
| Q1 25 | 0.00× | 2.67× | ||
| Q4 24 | 0.00× | 1.30× | ||
| Q3 24 | — | 1.32× | ||
| Q2 24 | — | 1.29× |
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 | — | $19.3M |
| 自由现金流经营现金流 - 资本支出 | — | $8.0M |
| 自由现金流率自由现金流/营收 | — | 1.7% |
| 资本支出强度资本支出/营收 | — | 2.4% |
| 现金转化率经营现金流/净利润 | — | 0.19× |
| 过去12个月自由现金流最近4个季度 | — | $93.8M |
8季度趋势，按日历期对齐
经营现金流LCMATV
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | $19.3M | ||
| Q3 25 | $-770.8M | $72.8M | ||
| Q2 25 | $-713.1M | $57.6M | ||
| Q1 25 | $-339.3M | $-15.9M | ||
| Q4 24 | $-2.6B | $24.1M | ||
| Q3 24 | $-669.8M | $37.6M | ||
| Q2 24 | $-932.5M | $46.1M |
自由现金流LCMATV
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | $8.0M | ||
| Q3 25 | $-791.8M | $66.7M | ||
| Q2 25 | $-803.8M | $48.9M | ||
| Q1 25 | $-352.3M | $-29.8M | ||
| Q4 24 | $-2.7B | $2.0M | ||
| Q3 24 | $-682.3M | $25.5M | ||
| Q2 24 | $-945.3M | $37.4M |
自由现金流率LCMATV
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | 1.7% | ||
| Q3 25 | -297.4% | 13.0% | ||
| Q2 25 | -323.5% | 9.3% | ||
| Q1 25 | -161.8% | -6.1% | ||
| Q4 24 | -1237.8% | 0.4% | ||
| Q3 24 | -338.0% | 5.1% | ||
| Q2 24 | -504.9% | 7.1% |
资本支出强度LCMATV
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | 2.4% | ||
| Q3 25 | 7.9% | 1.2% | ||
| Q2 25 | 36.5% | 1.7% | ||
| Q1 25 | 6.0% | 2.9% | ||
| Q4 24 | 25.0% | 4.8% | ||
| Q3 24 | 6.2% | 2.4% | ||
| Q2 24 | 6.9% | 1.7% |
现金转化率LCMATV
| Q1 26 | — | — | ||
| Q4 25 | — | 0.19× | ||
| Q3 25 | -17.41× | — | ||
| Q2 25 | -18.68× | — | ||
| Q1 25 | -29.07× | — | ||
| Q4 24 | — | 16.07× | ||
| 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
业务分部营收拆解
LC
暂无分部数据
MATV
| Other | $208.7M | 45% |
| SAS Segment | $157.4M | 34% |
| FAM Segment | $97.0M | 21% |
