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LendingClub Corp（LC）与UiPath, Inc.（PATH）财务数据对比。点击上方公司名可切换其他公司
UiPath, Inc.的季度营收约是LendingClub Corp的1.6倍（$411.1M vs $252.3M），UiPath, Inc.净利率更高（48.4% vs 20.5%，领先27.9%），UiPath, Inc.同比增速更快（15.9% vs 15.9%），过去两年LendingClub Corp的营收复合增速更高（16.1% vs 0.7%）
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。
UiPath是一家全球化软件企业，专注于开发人工智能、智能自动化及流程编排类软件，其产品支持用户搭建与调度AI代理，实现复杂业务流程、工作流的自动化运行，助力各行业客户提升运营效率、降低人力成本。
LC vs PATH — 直观对比
营收规模更大
PATH
是对方的1.6倍
$252.3M
营收增速更快
PATH
高出0.0%
15.9%
净利率更高
PATH
高出27.9%
20.5%
两年增速更快
LC
近两年复合增速
0.7%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $252.3M | $411.1M |
| 净利润 | $51.6M | $198.8M |
| 毛利率 | — | 83.3% |
| 营业利润率 | — | 3.2% |
| 净利率 | 20.5% | 48.4% |
| 营收同比 | 15.9% | 15.9% |
| 净利润同比 | 341.0% | 1966.2% |
| 每股收益（稀释后） | $0.44 | $0.37 |
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LCPATH
| Q1 26 | $252.3M | — | ||
| Q4 25 | $266.5M | $411.1M | ||
| Q3 25 | $266.2M | $361.7M | ||
| Q2 25 | $248.4M | $356.6M | ||
| Q1 25 | $217.7M | $423.6M | ||
| Q4 24 | $217.2M | $354.7M | ||
| Q3 24 | $201.9M | $316.3M | ||
| Q2 24 | $187.2M | $335.1M |
净利润LCPATH
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | $198.8M | ||
| Q3 25 | $44.3M | $1.6M | ||
| Q2 25 | $38.2M | $-22.6M | ||
| Q1 25 | $11.7M | $51.8M | ||
| Q4 24 | — | $-10.7M | ||
| Q3 24 | $14.5M | $-86.1M | ||
| Q2 24 | $14.9M | $-28.7M |
毛利率LCPATH
| Q1 26 | — | — | ||
| Q4 25 | — | 83.3% | ||
| Q3 25 | — | 82.2% | ||
| Q2 25 | — | 82.1% | ||
| Q1 25 | — | 84.8% | ||
| Q4 24 | — | 82.0% | ||
| Q3 24 | — | 80.0% | ||
| Q2 24 | — | 83.5% |
营业利润率LCPATH
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | 3.2% | ||
| Q3 25 | 21.5% | -5.6% | ||
| Q2 25 | 21.7% | -4.6% | ||
| Q1 25 | 7.2% | 7.9% | ||
| Q4 24 | 5.1% | -12.2% | ||
| Q3 24 | 8.9% | -32.7% | ||
| Q2 24 | 10.4% | -14.8% |
净利率LCPATH
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | 48.4% | ||
| Q3 25 | 16.6% | 0.4% | ||
| Q2 25 | 15.4% | -6.3% | ||
| Q1 25 | 5.4% | 12.2% | ||
| Q4 24 | — | -3.0% | ||
| Q3 24 | 7.2% | -27.2% | ||
| Q2 24 | 8.0% | -8.6% |
每股收益（稀释后）LCPATH
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | $0.37 | ||
| Q3 25 | $0.37 | $0.00 | ||
| Q2 25 | $0.33 | $-0.04 | ||
| Q1 25 | $0.10 | $0.09 | ||
| Q4 24 | $0.08 | $-0.02 | ||
| Q3 24 | $0.13 | $-0.15 | ||
| Q2 24 | $0.13 | $-0.05 |
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 | — | $1.4B |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.5B | $1.9B |
| 总资产 | $11.9B | $2.9B |
| 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LCPATH
| Q1 26 | — | — | ||
| Q4 25 | — | $1.4B | ||
| Q3 25 | — | $1.4B | ||
| Q2 25 | — | $1.6B | ||
| Q1 25 | — | $1.6B | ||
| Q4 24 | — | $1.6B | ||
| Q3 24 | — | $1.7B | ||
| Q2 24 | — | $1.9B |
总债务LCPATH
| 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LCPATH
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | $1.9B | ||
| Q3 25 | $1.5B | $1.7B | ||
| Q2 25 | $1.4B | $1.7B | ||
| Q1 25 | $1.4B | $1.8B | ||
| Q4 24 | $1.3B | $1.7B | ||
| Q3 24 | $1.3B | $1.8B | ||
| Q2 24 | $1.3B | $2.0B |
总资产LCPATH
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | $2.9B | ||
| Q3 25 | $11.1B | $2.6B | ||
| Q2 25 | $10.8B | $2.6B | ||
| Q1 25 | $10.5B | $2.9B | ||
| Q4 24 | $10.6B | $2.7B | ||
| Q3 24 | $11.0B | $2.7B | ||
| Q2 24 | $9.6B | $2.8B |
负债/权益比LCPATH
| 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 | — | $28.3M |
| 自由现金流经营现金流 - 资本支出 | — | $25.1M |
| 自由现金流率自由现金流/营收 | — | 6.1% |
| 资本支出强度资本支出/营收 | — | 0.8% |
| 现金转化率经营现金流/净利润 | — | 0.14× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流LCPATH
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | $28.3M | ||
| Q3 25 | $-770.8M | $41.6M | ||
| Q2 25 | $-713.1M | $119.0M | ||
| Q1 25 | $-339.3M | $146.1M | ||
| Q4 24 | $-2.6B | $28.1M | ||
| Q3 24 | $-669.8M | $46.4M | ||
| Q2 24 | $-932.5M | $100.0M |
自由现金流LCPATH
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | $25.1M | ||
| Q3 25 | $-791.8M | — | ||
| Q2 25 | $-803.8M | $106.2M | ||
| Q1 25 | $-352.3M | $138.7M | ||
| Q4 24 | $-2.7B | $23.2M | ||
| Q3 24 | $-682.3M | $45.0M | ||
| Q2 24 | $-945.3M | $98.8M |
自由现金流率LCPATH
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | 6.1% | ||
| Q3 25 | -297.4% | — | ||
| Q2 25 | -323.5% | 29.8% | ||
| Q1 25 | -161.8% | 32.7% | ||
| Q4 24 | -1237.8% | 6.5% | ||
| Q3 24 | -338.0% | 14.2% | ||
| Q2 24 | -504.9% | 29.5% |
资本支出强度LCPATH
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | 0.8% | ||
| Q3 25 | 7.9% | 0.0% | ||
| Q2 25 | 36.5% | 3.6% | ||
| Q1 25 | 6.0% | 1.7% | ||
| Q4 24 | 25.0% | 1.4% | ||
| Q3 24 | 6.2% | 0.4% | ||
| Q2 24 | 6.9% | 0.4% |
现金转化率LCPATH
| Q1 26 | — | — | ||
| Q4 25 | — | 0.14× | ||
| Q3 25 | -17.41× | 26.25× | ||
| Q2 25 | -18.68× | — | ||
| Q1 25 | -29.07× | 2.82× | ||
| 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
PATH
| Subscription Services | $247.6M | 60% |
| License | $150.0M | 36% |
| Professional Services And Other | $13.5M | 3% |
