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LendingClub Corp（LC）与OneStream, Inc.（OS）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OneStream, Inc.的1.5倍（$252.3M vs $163.7M），LendingClub Corp净利率更高（20.5% vs 0.6%，领先19.8%），OneStream, Inc.同比增速更快（23.6% vs 15.9%），过去两年OneStream, Inc.的营收复合增速更高（21.8% vs 16.1%）
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。
Blue Stream面向美国佛罗里达州科勒尔斯普林斯、韦斯顿两地的居民及商业客户，提供有线电视、有线固话、数字录像服务，以及最高速率达1G的宽带互联网接入服务，深耕当地通信市场，为用户提供稳定可靠的多元通信解决方案。
LC vs OS — 直观对比
营收规模更大
LC
是对方的1.5倍
$163.7M
营收增速更快
OS
高出7.7%
15.9%
净利率更高
LC
高出19.8%
0.6%
两年增速更快
OS
近两年复合增速
16.1%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $252.3M | $163.7M |
| 净利润 | $51.6M | $999.0K |
| 毛利率 | — | 69.8% |
| 营业利润率 | — | -3.2% |
| 净利率 | 20.5% | 0.6% |
| 营收同比 | 15.9% | 23.6% |
| 净利润同比 | 341.0% | — |
| 每股收益（稀释后） | $0.44 | — |
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LCOS
| Q1 26 | $252.3M | — | ||
| Q4 25 | $266.5M | $163.7M | ||
| Q3 25 | $266.2M | $154.3M | ||
| Q2 25 | $248.4M | $147.6M | ||
| Q1 25 | $217.7M | $136.3M | ||
| Q4 24 | $217.2M | $132.5M | ||
| Q3 24 | $201.9M | $129.1M | ||
| Q2 24 | $187.2M | $117.5M |
净利润LCOS
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | $999.0K | ||
| Q3 25 | $44.3M | $-8.8M | ||
| Q2 25 | $38.2M | $-18.4M | ||
| Q1 25 | $11.7M | $-24.0M | ||
| Q4 24 | — | — | ||
| Q3 24 | $14.5M | $-171.9M | ||
| Q2 24 | $14.9M | $-7.8M |
毛利率LCOS
| Q1 26 | — | — | ||
| Q4 25 | — | 69.8% | ||
| Q3 25 | — | 68.1% | ||
| Q2 25 | — | 68.6% | ||
| Q1 25 | — | 68.0% | ||
| Q4 24 | — | 66.8% | ||
| Q3 24 | — | 50.1% | ||
| Q2 24 | — | 68.5% |
营业利润率LCOS
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | -3.2% | ||
| Q3 25 | 21.5% | -11.3% | ||
| Q2 25 | 21.7% | -21.8% | ||
| Q1 25 | 7.2% | -29.3% | ||
| Q4 24 | 5.1% | -35.8% | ||
| Q3 24 | 8.9% | -197.6% | ||
| Q2 24 | 10.4% | -9.8% |
净利率LCOS
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | 0.6% | ||
| Q3 25 | 16.6% | -5.7% | ||
| Q2 25 | 15.4% | -12.5% | ||
| Q1 25 | 5.4% | -17.6% | ||
| Q4 24 | — | — | ||
| Q3 24 | 7.2% | -133.1% | ||
| Q2 24 | 8.0% | -6.7% |
每股收益（稀释后）LCOS
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | — | ||
| Q3 25 | $0.37 | — | ||
| Q2 25 | $0.33 | — | ||
| Q1 25 | $0.10 | — | ||
| Q4 24 | $0.08 | — | ||
| Q3 24 | $0.13 | $-1.06 | ||
| Q2 24 | $0.13 | — |
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 | — | $693.6M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.5B | $504.7M |
| 总资产 | $11.9B | $1.0B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资LCOS
| Q1 26 | — | — | ||
| Q4 25 | — | $693.6M | ||
| Q3 25 | — | $653.9M | ||
| Q2 25 | — | $652.1M | ||
| Q1 25 | — | $593.9M | ||
| Q4 24 | — | $544.2M | ||
| Q3 24 | — | $495.5M | ||
| Q2 24 | — | $140.5M |
总债务LCOS
| 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LCOS
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | $504.7M | ||
| Q3 25 | $1.5B | $472.1M | ||
| Q2 25 | $1.4B | $458.2M | ||
| Q1 25 | $1.4B | $412.9M | ||
| Q4 24 | $1.3B | $386.2M | ||
| Q3 24 | $1.3B | $458.2M | ||
| Q2 24 | $1.3B | $97.5M |
总资产LCOS
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | $1.0B | ||
| Q3 25 | $11.1B | $949.4M | ||
| Q2 25 | $10.8B | $910.5M | ||
| Q1 25 | $10.5B | $867.3M | ||
| Q4 24 | $10.6B | $823.2M | ||
| Q3 24 | $11.0B | $750.1M | ||
| Q2 24 | $9.6B | $379.7M |
负债/权益比LCOS
| 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 | — | $25.8M |
| 自由现金流经营现金流 - 资本支出 | — | $25.6M |
| 自由现金流率自由现金流/营收 | — | 15.7% |
| 资本支出强度资本支出/营收 | — | 0.1% |
| 现金转化率经营现金流/净利润 | — | 25.79× |
| 过去12个月自由现金流最近4个季度 | — | $95.6M |
8季度趋势，按日历期对齐
经营现金流LCOS
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | $25.8M | ||
| Q3 25 | $-770.8M | $5.0M | ||
| Q2 25 | $-713.1M | $29.7M | ||
| Q1 25 | $-339.3M | $36.2M | ||
| Q4 24 | $-2.6B | — | ||
| Q3 24 | $-669.8M | $2.4M | ||
| Q2 24 | $-932.5M | $8.1M |
自由现金流LCOS
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | $25.6M | ||
| Q3 25 | $-791.8M | $4.8M | ||
| Q2 25 | $-803.8M | $29.4M | ||
| Q1 25 | $-352.3M | $35.8M | ||
| Q4 24 | $-2.7B | — | ||
| Q3 24 | $-682.3M | $1.3M | ||
| Q2 24 | $-945.3M | $7.7M |
自由现金流率LCOS
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | 15.7% | ||
| Q3 25 | -297.4% | 3.1% | ||
| Q2 25 | -323.5% | 19.9% | ||
| Q1 25 | -161.8% | 26.3% | ||
| Q4 24 | -1237.8% | — | ||
| Q3 24 | -338.0% | 1.0% | ||
| Q2 24 | -504.9% | 6.6% |
资本支出强度LCOS
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | 0.1% | ||
| Q3 25 | 7.9% | 0.1% | ||
| Q2 25 | 36.5% | 0.2% | ||
| Q1 25 | 6.0% | 0.3% | ||
| Q4 24 | 25.0% | — | ||
| Q3 24 | 6.2% | 0.8% | ||
| Q2 24 | 6.9% | 0.3% |
现金转化率LCOS
| Q1 26 | — | — | ||
| Q4 25 | — | 25.79× | ||
| Q3 25 | -17.41× | — | ||
| Q2 25 | -18.68× | — | ||
| Q1 25 | -29.07× | — | ||
| Q4 24 | — | — | ||
| 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
OS
| Subscription And Circulation | $150.3M | 92% |
| Professional Services And Other | $9.4M | 6% |
| License | $4.0M | 2% |
