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LendingClub Corp（LC）与MONRO, INC.（MNRO）财务数据对比。点击上方公司名可切换其他公司
MONRO, INC.的季度营收约是LendingClub Corp的1.2倍（$293.4M vs $252.3M），LendingClub Corp净利率更高（20.5% vs 3.8%，领先16.7%），LendingClub Corp同比增速更快（15.9% vs -4.0%），过去两年LendingClub Corp的营收复合增速更高（16.1% vs -2.7%）
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。
蒙罗公司（Monro, Inc.）是一家汽车服务企业，创始并总部设在美国纽约州罗切斯特。截至2025年，蒙罗共拥有1260家门店，按门店数量与营收计算，是北美仅次于Driven Brands的第二大汽车服务企业。
LC vs MNRO — 直观对比
营收规模更大
MNRO
是对方的1.2倍
$252.3M
营收增速更快
LC
高出19.9%
-4.0%
净利率更高
LC
高出16.7%
3.8%
两年增速更快
LC
近两年复合增速
-2.7%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $252.3M | $293.4M |
| 净利润 | $51.6M | $11.1M |
| 毛利率 | — | 34.9% |
| 营业利润率 | — | 6.3% |
| 净利率 | 20.5% | 3.8% |
| 营收同比 | 15.9% | -4.0% |
| 净利润同比 | 341.0% | 143.1% |
| 每股收益（稀释后） | $0.44 | $0.35 |
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LCMNRO
| Q1 26 | $252.3M | — | ||
| Q4 25 | $266.5M | $293.4M | ||
| Q3 25 | $266.2M | $288.9M | ||
| Q2 25 | $248.4M | $301.0M | ||
| Q1 25 | $217.7M | $295.0M | ||
| Q4 24 | $217.2M | $305.8M | ||
| Q3 24 | $201.9M | $301.4M | ||
| Q2 24 | $187.2M | $293.2M |
净利润LCMNRO
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | $11.1M | ||
| Q3 25 | $44.3M | $5.7M | ||
| Q2 25 | $38.2M | $-8.1M | ||
| Q1 25 | $11.7M | $-21.3M | ||
| Q4 24 | — | $4.6M | ||
| Q3 24 | $14.5M | $5.6M | ||
| Q2 24 | $14.9M | $5.9M |
毛利率LCMNRO
| Q1 26 | — | — | ||
| Q4 25 | — | 34.9% | ||
| Q3 25 | — | 35.7% | ||
| Q2 25 | — | 35.5% | ||
| Q1 25 | — | 33.0% | ||
| Q4 24 | — | 34.3% | ||
| Q3 24 | — | 35.3% | ||
| Q2 24 | — | 37.2% |
营业利润率LCMNRO
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | 6.3% | ||
| Q3 25 | 21.5% | 4.4% | ||
| Q2 25 | 21.7% | -2.0% | ||
| Q1 25 | 7.2% | -8.1% | ||
| Q4 24 | 5.1% | 3.3% | ||
| Q3 24 | 8.9% | 4.4% | ||
| Q2 24 | 10.4% | 4.5% |
净利率LCMNRO
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | 3.8% | ||
| Q3 25 | 16.6% | 2.0% | ||
| Q2 25 | 15.4% | -2.7% | ||
| Q1 25 | 5.4% | -7.2% | ||
| Q4 24 | — | 1.5% | ||
| Q3 24 | 7.2% | 1.9% | ||
| Q2 24 | 8.0% | 2.0% |
每股收益（稀释后）LCMNRO
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | $0.35 | ||
| Q3 25 | $0.37 | $0.18 | ||
| Q2 25 | $0.33 | $-0.28 | ||
| Q1 25 | $0.10 | $-0.74 | ||
| Q4 24 | $0.08 | $0.15 | ||
| Q3 24 | $0.13 | $0.18 | ||
| Q2 24 | $0.13 | $0.19 |
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 | — | $4.9M |
| 总债务越低越好 | — | $45.0M |
| 股东权益账面价值 | $1.5B | $604.9M |
| 总资产 | $11.9B | $1.6B |
| 负债/权益比越低杠杆越低 | — | 0.07× |
8季度趋势，按日历期对齐
现金及短期投资LCMNRO
| Q1 26 | — | — | ||
| Q4 25 | — | $4.9M | ||
| Q3 25 | — | $10.5M | ||
| Q2 25 | — | $7.8M | ||
| Q1 25 | — | $20.8M | ||
| Q4 24 | — | $10.2M | ||
| Q3 24 | — | $20.9M | ||
| Q2 24 | — | $18.7M |
总债务LCMNRO
| Q1 26 | — | — | ||
| Q4 25 | $0 | $45.0M | ||
| Q3 25 | $0 | $60.0M | ||
| Q2 25 | $0 | $71.5M | ||
| Q1 25 | $0 | $61.3M | ||
| Q4 24 | $0 | $59.3M | ||
| Q3 24 | — | $62.0M | ||
| Q2 24 | — | $112.0M |
股东权益LCMNRO
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | $604.9M | ||
| Q3 25 | $1.5B | $601.7M | ||
| Q2 25 | $1.4B | $604.9M | ||
| Q1 25 | $1.4B | $620.8M | ||
| Q4 24 | $1.3B | $648.9M | ||
| Q3 24 | $1.3B | $651.9M | ||
| Q2 24 | $1.3B | $654.4M |
总资产LCMNRO
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | $1.6B | ||
| Q3 25 | $11.1B | $1.6B | ||
| Q2 25 | $10.8B | $1.6B | ||
| Q1 25 | $10.5B | $1.6B | ||
| Q4 24 | $10.6B | $1.7B | ||
| Q3 24 | $11.0B | $1.7B | ||
| Q2 24 | $9.6B | $1.7B |
负债/权益比LCMNRO
| Q1 26 | — | — | ||
| Q4 25 | 0.00× | 0.07× | ||
| Q3 25 | 0.00× | 0.10× | ||
| Q2 25 | 0.00× | 0.12× | ||
| Q1 25 | 0.00× | 0.10× | ||
| Q4 24 | 0.00× | 0.09× | ||
| Q3 24 | — | 0.10× | ||
| Q2 24 | — | 0.17× |
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 | — | $17.8M |
| 自由现金流经营现金流 - 资本支出 | — | $9.1M |
| 自由现金流率自由现金流/营收 | — | 3.1% |
| 资本支出强度资本支出/营收 | — | 3.0% |
| 现金转化率经营现金流/净利润 | — | 1.60× |
| 过去12个月自由现金流最近4个季度 | — | $49.6M |
8季度趋势，按日历期对齐
经营现金流LCMNRO
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | $17.8M | ||
| Q3 25 | $-770.8M | $32.3M | ||
| Q2 25 | $-713.1M | $-1.9M | ||
| Q1 25 | $-339.3M | $28.9M | ||
| Q4 24 | $-2.6B | $14.8M | ||
| Q3 24 | $-669.8M | $62.6M | ||
| Q2 24 | $-932.5M | $25.6M |
自由现金流LCMNRO
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | $9.1M | ||
| Q3 25 | $-791.8M | $26.6M | ||
| Q2 25 | $-803.8M | $-9.3M | ||
| Q1 25 | $-352.3M | $23.2M | ||
| Q4 24 | $-2.7B | $7.9M | ||
| Q3 24 | $-682.3M | $57.6M | ||
| Q2 24 | $-945.3M | $16.8M |
自由现金流率LCMNRO
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | 3.1% | ||
| Q3 25 | -297.4% | 9.2% | ||
| Q2 25 | -323.5% | -3.1% | ||
| Q1 25 | -161.8% | 7.9% | ||
| Q4 24 | -1237.8% | 2.6% | ||
| Q3 24 | -338.0% | 19.1% | ||
| Q2 24 | -504.9% | 5.7% |
资本支出强度LCMNRO
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | 3.0% | ||
| Q3 25 | 7.9% | 2.0% | ||
| Q2 25 | 36.5% | 2.5% | ||
| Q1 25 | 6.0% | 1.9% | ||
| Q4 24 | 25.0% | 2.2% | ||
| Q3 24 | 6.2% | 1.6% | ||
| Q2 24 | 6.9% | 3.0% |
现金转化率LCMNRO
| Q1 26 | — | — | ||
| Q4 25 | — | 1.60× | ||
| Q3 25 | -17.41× | 5.71× | ||
| Q2 25 | -18.68× | — | ||
| Q1 25 | -29.07× | — | ||
| Q4 24 | — | 3.23× | ||
| Q3 24 | -46.33× | 11.08× | ||
| Q2 24 | -62.57× | 4.37× |
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
MNRO
| Tires | $150.2M | 51% |
| Maintenance | $73.5M | 25% |
| Brakes | $35.1M | 12% |
| Steering | $24.9M | 8% |
| Batteries | $6.2M | 2% |
| Exhaust | $3.2M | 1% |
