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LendingClub Corp（LC）与OSI SYSTEMS INC（OSIS）财务数据对比。点击上方公司名可切换其他公司
OSI SYSTEMS INC的季度营收约是LendingClub Corp的1.8倍（$464.1M vs $252.3M），LendingClub Corp净利率更高（20.5% vs 8.3%，领先12.1%），LendingClub Corp同比增速更快（15.9% vs 10.5%），过去两年LendingClub Corp的营收复合增速更高（16.1% vs 7.0%）
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。
OSI系统公司是总部位于美国加利福尼亚州的企业，主营安全检测系统、医疗设备及光电器件三大业务板块，产品涵盖机场安检X光机、金属探测器、医疗监护与麻醉系统等，旗下拥有Spacelabs Healthcare、Rapiscan Systems、OSI Optoelectronics等子公司，全球员工规模约3180人。
LC vs OSIS — 直观对比
营收规模更大
OSIS
是对方的1.8倍
$252.3M
营收增速更快
LC
高出5.4%
10.5%
净利率更高
LC
高出12.1%
8.3%
两年增速更快
LC
近两年复合增速
7.0%
损益表 — Q1 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $252.3M | $464.1M |
| 净利润 | $51.6M | $38.7M |
| 毛利率 | — | 32.7% |
| 营业利润率 | — | 12.7% |
| 净利率 | 20.5% | 8.3% |
| 营收同比 | 15.9% | 10.5% |
| 净利润同比 | 341.0% | 2.3% |
| 每股收益（稀释后） | $0.44 | $2.22 |
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LCOSIS
| Q1 26 | $252.3M | — | ||
| Q4 25 | $266.5M | $464.1M | ||
| Q3 25 | $266.2M | $384.6M | ||
| Q2 25 | $248.4M | $505.0M | ||
| Q1 25 | $217.7M | $444.4M | ||
| Q4 24 | $217.2M | $419.8M | ||
| Q3 24 | $201.9M | $344.0M | ||
| Q2 24 | $187.2M | $480.9M |
净利润LCOSIS
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | $38.7M | ||
| Q3 25 | $44.3M | $20.6M | ||
| Q2 25 | $38.2M | $52.7M | ||
| Q1 25 | $11.7M | $41.1M | ||
| Q4 24 | — | $37.8M | ||
| Q3 24 | $14.5M | $17.9M | ||
| Q2 24 | $14.9M | $44.7M |
毛利率LCOSIS
| Q1 26 | — | — | ||
| Q4 25 | — | 32.7% | ||
| Q3 25 | — | 32.0% | ||
| Q2 25 | — | 33.3% | ||
| Q1 25 | — | 33.8% | ||
| Q4 24 | — | 35.1% | ||
| Q3 24 | — | 35.3% | ||
| Q2 24 | — | 32.1% |
营业利润率LCOSIS
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | 12.7% | ||
| Q3 25 | 21.5% | 8.6% | ||
| Q2 25 | 21.7% | 14.5% | ||
| Q1 25 | 7.2% | 12.7% | ||
| Q4 24 | 5.1% | 13.8% | ||
| Q3 24 | 8.9% | 8.8% | ||
| Q2 24 | 10.4% | 13.1% |
净利率LCOSIS
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | 8.3% | ||
| Q3 25 | 16.6% | 5.3% | ||
| Q2 25 | 15.4% | 10.4% | ||
| Q1 25 | 5.4% | 9.3% | ||
| Q4 24 | — | 9.0% | ||
| Q3 24 | 7.2% | 5.2% | ||
| Q2 24 | 8.0% | 9.3% |
每股收益（稀释后）LCOSIS
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | $2.22 | ||
| Q3 25 | $0.37 | $1.18 | ||
| Q2 25 | $0.33 | $3.04 | ||
| Q1 25 | $0.10 | $2.40 | ||
| Q4 24 | $0.08 | $2.22 | ||
| Q3 24 | $0.13 | $1.05 | ||
| Q2 24 | $0.13 | $2.57 |
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 | — | $336.7M |
| 总债务越低越好 | — | $1.0B |
| 股东权益账面价值 | $1.5B | $845.5M |
| 总资产 | $11.9B | $2.5B |
| 负债/权益比越低杠杆越低 | — | 1.19× |
8季度趋势，按日历期对齐
现金及短期投资LCOSIS
| Q1 26 | — | — | ||
| Q4 25 | — | $336.7M | ||
| Q3 25 | — | $124.4M | ||
| Q2 25 | — | $106.4M | ||
| Q1 25 | — | $95.8M | ||
| Q4 24 | — | $101.6M | ||
| Q3 24 | — | $85.1M | ||
| Q2 24 | — | $95.4M |
总债务LCOSIS
| Q1 26 | — | — | ||
| Q4 25 | $0 | $1.0B | ||
| Q3 25 | $0 | $442.2M | ||
| Q2 25 | $0 | $471.6M | ||
| Q1 25 | $0 | $473.2M | ||
| Q4 24 | $0 | $474.8M | ||
| Q3 24 | — | $476.3M | ||
| Q2 24 | — | $137.6M |
股东权益LCOSIS
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | $845.5M | ||
| Q3 25 | $1.5B | $946.0M | ||
| Q2 25 | $1.4B | $951.1M | ||
| Q1 25 | $1.4B | $879.3M | ||
| Q4 24 | $1.3B | $825.8M | ||
| Q3 24 | $1.3B | $786.5M | ||
| Q2 24 | $1.3B | $863.5M |
总资产LCOSIS
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | $2.5B | ||
| Q3 25 | $11.1B | $2.3B | ||
| Q2 25 | $10.8B | $2.2B | ||
| Q1 25 | $10.5B | $2.1B | ||
| Q4 24 | $10.6B | $2.1B | ||
| Q3 24 | $11.0B | $2.1B | ||
| Q2 24 | $9.6B | $1.9B |
负债/权益比LCOSIS
| Q1 26 | — | — | ||
| Q4 25 | 0.00× | 1.19× | ||
| Q3 25 | 0.00× | 0.47× | ||
| Q2 25 | 0.00× | 0.50× | ||
| Q1 25 | 0.00× | 0.54× | ||
| Q4 24 | 0.00× | 0.57× | ||
| Q3 24 | — | 0.61× | ||
| Q2 24 | — | 0.16× |
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 | — | $62.2M |
| 自由现金流经营现金流 - 资本支出 | — | $55.5M |
| 自由现金流率自由现金流/营收 | — | 12.0% |
| 资本支出强度资本支出/营收 | — | 1.4% |
| 现金转化率经营现金流/净利润 | — | 1.61× |
| 过去12个月自由现金流最近4个季度 | — | $137.2M |
8季度趋势，按日历期对齐
经营现金流LCOSIS
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | $62.2M | ||
| Q3 25 | $-770.8M | $17.1M | ||
| Q2 25 | $-713.1M | $562.0K | ||
| Q1 25 | $-339.3M | $81.6M | ||
| Q4 24 | $-2.6B | $52.5M | ||
| Q3 24 | $-669.8M | $-37.2M | ||
| Q2 24 | $-932.5M | $-29.0M |
自由现金流LCOSIS
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | $55.5M | ||
| Q3 25 | $-791.8M | $10.1M | ||
| Q2 25 | $-803.8M | $-5.6M | ||
| Q1 25 | $-352.3M | $77.1M | ||
| Q4 24 | $-2.7B | $47.1M | ||
| Q3 24 | $-682.3M | $-44.9M | ||
| Q2 24 | $-945.3M | $-37.5M |
自由现金流率LCOSIS
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | 12.0% | ||
| Q3 25 | -297.4% | 2.6% | ||
| Q2 25 | -323.5% | -1.1% | ||
| Q1 25 | -161.8% | 17.4% | ||
| Q4 24 | -1237.8% | 11.2% | ||
| Q3 24 | -338.0% | -13.0% | ||
| Q2 24 | -504.9% | -7.8% |
资本支出强度LCOSIS
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | 1.4% | ||
| Q3 25 | 7.9% | 1.8% | ||
| Q2 25 | 36.5% | 1.2% | ||
| Q1 25 | 6.0% | 1.0% | ||
| Q4 24 | 25.0% | 1.3% | ||
| Q3 24 | 6.2% | 2.2% | ||
| Q2 24 | 6.9% | 1.8% |
现金转化率LCOSIS
| Q1 26 | — | — | ||
| Q4 25 | — | 1.61× | ||
| Q3 25 | -17.41× | 0.83× | ||
| Q2 25 | -18.68× | 0.01× | ||
| Q1 25 | -29.07× | 1.98× | ||
| Q4 24 | — | 1.39× | ||
| Q3 24 | -46.33× | -2.07× | ||
| Q2 24 | -62.57× | -0.65× |
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
OSIS
| Security Division | $334.7M | 72% |
| Optoelectronics And Manufacturing Division | $92.8M | 20% |
| Healthcare Division | $36.5M | 8% |
