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LendingClub Corp（LC）与OLD NATIONAL BANCORP /IN/（ONB）财务数据对比。点击上方公司名可切换其他公司
OLD NATIONAL BANCORP /IN/的季度营收约是LendingClub Corp的2.6倍（$702.8M vs $266.5M）。LendingClub Corp同比增速更快（22.7% vs 0.6%）。过去两年OLD NATIONAL BANCORP /IN/的营收复合增速更高（34.5% vs 21.4%）
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。
Old National Bank是美国地区性银行，隶属于Old National Bancorp，总部位于芝加哥及印第安纳州埃文斯维尔，总资产485亿美元，拥有250个银行网点、近200家零售分行，是总部设于印第安纳州的最大金融服务银行控股公司，位列全美银行企业前30，业务覆盖美国八个州。
LC vs ONB — 直观对比
营收规模更大
ONB
是对方的2.6倍
$266.5M
营收增速更快
LC
高出22.1%
0.6%
两年增速更快
ONB
近两年复合增速
21.4%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $266.5M | $702.8M |
| 净利润 | — | $233.7M |
| 毛利率 | — | — |
| 营业利润率 | 18.8% | — |
| 净利率 | — | 33.3% |
| 营收同比 | 22.7% | 0.6% |
| 净利润同比 | — | 61.5% |
| 每股收益（稀释后） | $0.36 | — |
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LCONB
| Q1 26 | — | $702.8M | ||
| Q4 25 | $266.5M | $580.8M | ||
| Q3 25 | $266.2M | $574.6M | ||
| Q2 25 | $248.4M | $514.8M | ||
| Q1 25 | $217.7M | $387.6M | ||
| Q4 24 | $217.2M | $394.2M | ||
| Q3 24 | $201.9M | $391.7M | ||
| Q2 24 | $187.2M | $388.4M |
净利润LCONB
| Q1 26 | — | $233.7M | ||
| Q4 25 | — | $216.6M | ||
| Q3 25 | $44.3M | $182.6M | ||
| Q2 25 | $38.2M | $125.4M | ||
| Q1 25 | $11.7M | $144.7M | ||
| Q4 24 | — | $153.9M | ||
| Q3 24 | $14.5M | $143.8M | ||
| Q2 24 | $14.9M | $121.2M |
营业利润率LCONB
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | 46.7% | ||
| Q3 25 | 21.5% | 40.5% | ||
| Q2 25 | 21.7% | 30.2% | ||
| Q1 25 | 7.2% | 46.8% | ||
| Q4 24 | 5.1% | 47.2% | ||
| Q3 24 | 8.9% | 47.2% | ||
| Q2 24 | 10.4% | 40.3% |
净利率LCONB
| Q1 26 | — | 33.3% | ||
| Q4 25 | — | 37.3% | ||
| Q3 25 | 16.6% | 31.8% | ||
| Q2 25 | 15.4% | 24.4% | ||
| Q1 25 | 5.4% | 37.3% | ||
| Q4 24 | — | 39.0% | ||
| Q3 24 | 7.2% | 36.7% | ||
| Q2 24 | 8.0% | 31.2% |
每股收益（稀释后）LCONB
| Q1 26 | — | — | ||
| Q4 25 | $0.36 | $0.55 | ||
| Q3 25 | $0.37 | $0.46 | ||
| Q2 25 | $0.33 | $0.34 | ||
| Q1 25 | $0.10 | $0.44 | ||
| Q4 24 | $0.08 | $0.47 | ||
| Q3 24 | $0.13 | $0.44 | ||
| Q2 24 | $0.13 | $0.37 |
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 | — | — |
| 总债务越低越好 | $0 | — |
| 股东权益账面价值 | $1.5B | $8.5B |
| 总资产 | $11.6B | $73.0B |
| 负债/权益比越低杠杆越低 | 0.00× | — |
8季度趋势，按日历期对齐
现金及短期投资LCONB
| Q1 26 | — | — | ||
| Q4 25 | — | $1.8B | ||
| Q3 25 | — | $1.7B | ||
| Q2 25 | — | $1.8B | ||
| Q1 25 | — | $1.2B | ||
| Q4 24 | — | $1.2B | ||
| Q3 24 | — | $1.2B | ||
| Q2 24 | — | $1.2B |
总债务LCONB
| Q1 26 | — | — | ||
| Q4 25 | $0 | — | ||
| Q3 25 | $0 | — | ||
| Q2 25 | $0 | — | ||
| Q1 25 | $0 | — | ||
| Q4 24 | $0 | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益LCONB
| Q1 26 | — | $8.5B | ||
| Q4 25 | $1.5B | $8.5B | ||
| Q3 25 | $1.5B | $8.3B | ||
| Q2 25 | $1.4B | $8.1B | ||
| Q1 25 | $1.4B | $6.5B | ||
| Q4 24 | $1.3B | $6.3B | ||
| Q3 24 | $1.3B | $6.4B | ||
| Q2 24 | $1.3B | $6.1B |
总资产LCONB
| Q1 26 | — | $73.0B | ||
| Q4 25 | $11.6B | $72.2B | ||
| Q3 25 | $11.1B | $71.2B | ||
| Q2 25 | $10.8B | $71.0B | ||
| Q1 25 | $10.5B | $53.9B | ||
| Q4 24 | $10.6B | $53.6B | ||
| Q3 24 | $11.0B | $53.6B | ||
| Q2 24 | $9.6B | $53.1B |
负债/权益比LCONB
| Q1 26 | — | — | ||
| Q4 25 | 0.00× | — | ||
| Q3 25 | 0.00× | — | ||
| Q2 25 | 0.00× | — | ||
| Q1 25 | 0.00× | — | ||
| Q4 24 | 0.00× | — | ||
| Q3 24 | — | — | ||
| Q2 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 | — |
| 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% | — |
| 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LCONB
| Q1 26 | — | — | ||
| Q4 25 | $-903.8M | $159.2M | ||
| Q3 25 | $-770.8M | $341.2M | ||
| Q2 25 | $-713.1M | $72.9M | ||
| Q1 25 | $-339.3M | $108.2M | ||
| Q4 24 | $-185.4M | $235.8M | ||
| Q3 24 | $-669.8M | $121.3M | ||
| Q2 24 | $-932.5M | $161.0M |
自由现金流LCONB
| Q1 26 | — | — | ||
| Q4 25 | $-919.3M | $137.3M | ||
| Q3 25 | $-791.8M | $333.6M | ||
| Q2 25 | $-803.8M | $64.1M | ||
| Q1 25 | $-352.3M | $102.4M | ||
| Q4 24 | $-202.6M | $229.0M | ||
| Q3 24 | $-682.3M | $115.7M | ||
| Q2 24 | $-945.3M | $151.6M |
自由现金流率LCONB
| Q1 26 | — | — | ||
| Q4 25 | -345.0% | 23.6% | ||
| Q3 25 | -297.4% | 58.1% | ||
| Q2 25 | -323.5% | 12.4% | ||
| Q1 25 | -161.8% | 26.4% | ||
| Q4 24 | -93.3% | 58.1% | ||
| Q3 24 | -338.0% | 29.5% | ||
| Q2 24 | -504.9% | 39.0% |
资本支出强度LCONB
| Q1 26 | — | — | ||
| Q4 25 | 5.8% | 3.8% | ||
| Q3 25 | 7.9% | 1.3% | ||
| Q2 25 | 36.5% | 1.7% | ||
| Q1 25 | 6.0% | 1.5% | ||
| Q4 24 | 7.9% | 1.7% | ||
| Q3 24 | 6.2% | 1.4% | ||
| Q2 24 | 6.9% | 2.4% |
现金转化率LCONB
| Q1 26 | — | — | ||
| Q4 25 | — | 0.73× | ||
| Q3 25 | -17.41× | 1.87× | ||
| Q2 25 | -18.68× | 0.58× | ||
| Q1 25 | -29.07× | 0.75× | ||
| Q4 24 | — | 1.53× | ||
| Q3 24 | -46.33× | 0.84× | ||
| Q2 24 | -62.57× | 1.33× |
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% |
ONB
暂无分部数据
