vs
LendingClub Corp（LC）与ONESPAWORLD HOLDINGS Ltd（OSW）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ONESPAWORLD HOLDINGS Ltd的1.0倍（$252.3M vs $242.1M），LendingClub Corp净利率更高（20.5% vs 5.0%，领先15.5%），LendingClub Corp同比增速更快（15.9% vs 11.5%），过去两年LendingClub Corp的营收复合增速更高（16.1% vs 7.1%）
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。
LC vs OSW — 直观对比
营收规模更大
LC
是对方的1.0倍
$242.1M
营收增速更快
LC
高出4.4%
11.5%
净利率更高
LC
高出15.5%
5.0%
两年增速更快
LC
近两年复合增速
7.1%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $252.3M | $242.1M |
| 净利润 | $51.6M | $12.1M |
| 毛利率 | — | — |
| 营业利润率 | — | 6.8% |
| 净利率 | 20.5% | 5.0% |
| 营收同比 | 15.9% | 11.5% |
| 净利润同比 | 341.0% | -16.2% |
| 每股收益（稀释后） | $0.44 | $0.12 |
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LCOSW
| Q1 26 | $252.3M | — | ||
| Q4 25 | $266.5M | $242.1M | ||
| Q3 25 | $266.2M | $258.5M | ||
| Q2 25 | $248.4M | $240.7M | ||
| Q1 25 | $217.7M | $219.6M | ||
| Q4 24 | $217.2M | $217.2M | ||
| Q3 24 | $201.9M | $241.7M | ||
| Q2 24 | $187.2M | $224.9M |
净利润LCOSW
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | $12.1M | ||
| Q3 25 | $44.3M | $24.3M | ||
| Q2 25 | $38.2M | $19.9M | ||
| Q1 25 | $11.7M | $15.3M | ||
| Q4 24 | — | $14.4M | ||
| Q3 24 | $14.5M | $21.6M | ||
| Q2 24 | $14.9M | $15.8M |
营业利润率LCOSW
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | 6.8% | ||
| Q3 25 | 21.5% | 10.2% | ||
| Q2 25 | 21.7% | 9.2% | ||
| Q1 25 | 7.2% | 7.7% | ||
| Q4 24 | 5.1% | 7.9% | ||
| Q3 24 | 8.9% | 10.3% | ||
| Q2 24 | 10.4% | 8.4% |
净利率LCOSW
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | 5.0% | ||
| Q3 25 | 16.6% | 9.4% | ||
| Q2 25 | 15.4% | 8.3% | ||
| Q1 25 | 5.4% | 7.0% | ||
| Q4 24 | — | 6.6% | ||
| Q3 24 | 7.2% | 8.9% | ||
| Q2 24 | 8.0% | 7.0% |
每股收益（稀释后）LCOSW
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | $0.12 | ||
| Q3 25 | $0.37 | $0.23 | ||
| Q2 25 | $0.33 | $0.19 | ||
| Q1 25 | $0.10 | $0.15 | ||
| Q4 24 | $0.08 | $0.13 | ||
| Q3 24 | $0.13 | $0.20 | ||
| Q2 24 | $0.13 | $0.15 |
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 | — | $16.3M |
| 总债务越低越好 | — | $84.0M |
| 股东权益账面价值 | $1.5B | $542.6M |
| 总资产 | $11.9B | $707.1M |
| 负债/权益比越低杠杆越低 | — | 0.15× |
8季度趋势，按日历期对齐
现金及短期投资LCOSW
| Q1 26 | — | — | ||
| Q4 25 | — | $16.3M | ||
| Q3 25 | — | $29.6M | ||
| Q2 25 | — | $35.0M | ||
| Q1 25 | — | $22.6M | ||
| Q4 24 | — | $57.4M | ||
| Q3 24 | — | $48.8M | ||
| Q2 24 | — | $62.5M |
总债务LCOSW
| Q1 26 | — | — | ||
| Q4 25 | $0 | $84.0M | ||
| Q3 25 | $0 | $85.2M | ||
| Q2 25 | $0 | $96.2M | ||
| Q1 25 | $0 | $97.4M | ||
| Q4 24 | $0 | $98.6M | ||
| Q3 24 | — | $98.7M | ||
| Q2 24 | — | $123.8M |
股东权益LCOSW
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | $542.6M | ||
| Q3 25 | $1.5B | $552.8M | ||
| Q2 25 | $1.4B | $548.3M | ||
| Q1 25 | $1.4B | $530.6M | ||
| Q4 24 | $1.3B | $554.5M | ||
| Q3 24 | $1.3B | $540.1M | ||
| Q2 24 | $1.3B | $532.7M |
总资产LCOSW
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | $707.1M | ||
| Q3 25 | $11.1B | $732.6M | ||
| Q2 25 | $10.8B | $731.8M | ||
| Q1 25 | $10.5B | $708.7M | ||
| Q4 24 | $10.6B | $746.4M | ||
| Q3 24 | $11.0B | $734.0M | ||
| Q2 24 | $9.6B | $756.8M |
负债/权益比LCOSW
| Q1 26 | — | — | ||
| Q4 25 | 0.00× | 0.15× | ||
| Q3 25 | 0.00× | 0.15× | ||
| Q2 25 | 0.00× | 0.18× | ||
| Q1 25 | 0.00× | 0.18× | ||
| Q4 24 | 0.00× | 0.18× | ||
| Q3 24 | — | 0.18× | ||
| Q2 24 | — | 0.23× |
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 | — | $20.0M |
| 自由现金流经营现金流 - 资本支出 | — | $14.9M |
| 自由现金流率自由现金流/营收 | — | 6.2% |
| 资本支出强度资本支出/营收 | — | 2.1% |
| 现金转化率经营现金流/净利润 | — | 1.65× |
| 过去12个月自由现金流最近4个季度 | — | $68.4M |
8季度趋势，按日历期对齐
经营现金流LCOSW
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | $20.0M | ||
| Q3 25 | $-770.8M | $33.2M | ||
| Q2 25 | $-713.1M | $20.3M | ||
| Q1 25 | $-339.3M | $10.1M | ||
| Q4 24 | $-2.6B | $16.6M | ||
| Q3 24 | $-669.8M | $28.6M | ||
| Q2 24 | $-932.5M | $18.7M |
自由现金流LCOSW
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | $14.9M | ||
| Q3 25 | $-791.8M | $27.6M | ||
| Q2 25 | $-803.8M | $17.6M | ||
| Q1 25 | $-352.3M | $8.4M | ||
| Q4 24 | $-2.7B | $13.2M | ||
| Q3 24 | $-682.3M | $27.5M | ||
| Q2 24 | $-945.3M | $17.6M |
自由现金流率LCOSW
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | 6.2% | ||
| Q3 25 | -297.4% | 10.7% | ||
| Q2 25 | -323.5% | 7.3% | ||
| Q1 25 | -161.8% | 3.8% | ||
| Q4 24 | -1237.8% | 6.1% | ||
| Q3 24 | -338.0% | 11.4% | ||
| Q2 24 | -504.9% | 7.8% |
资本支出强度LCOSW
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | 2.1% | ||
| Q3 25 | 7.9% | 2.2% | ||
| Q2 25 | 36.5% | 1.1% | ||
| Q1 25 | 6.0% | 0.8% | ||
| Q4 24 | 25.0% | 1.5% | ||
| Q3 24 | 6.2% | 0.5% | ||
| Q2 24 | 6.9% | 0.5% |
现金转化率LCOSW
| Q1 26 | — | — | ||
| Q4 25 | — | 1.65× | ||
| Q3 25 | -17.41× | 1.36× | ||
| Q2 25 | -18.68× | 1.02× | ||
| Q1 25 | -29.07× | 0.66× | ||
| Q4 24 | — | 1.15× | ||
| Q3 24 | -46.33× | 1.33× | ||
| Q2 24 | -62.57× | 1.19× |
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
OSW
| Services | $197.3M | 82% |
| Products | $44.8M | 18% |
