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LendingClub Corp（LC）与PROCORE TECHNOLOGIES, INC.（PCOR）财务数据对比。点击上方公司名可切换其他公司
PROCORE TECHNOLOGIES, INC.的季度营收约是LendingClub Corp的1.4倍（$349.1M vs $252.3M），LendingClub Corp净利率更高（20.5% vs -10.8%，领先31.2%），LendingClub Corp同比增速更快（15.9% vs 15.6%），过去两年LendingClub Corp的营收复合增速更高（16.1% vs 13.8%）
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。
Procore Technologies是2002年成立的美国建筑管理软件即服务（SaaS）企业，总部位于加利福尼亚州卡平特里亚。公司打造的全球平台可连接建筑行业从业者，支持搭建简化工作流，统一展现建筑项目信息，覆盖任务追踪、项目流程管理、日程排期等核心功能。
LC vs PCOR — 直观对比
营收规模更大
PCOR
是对方的1.4倍
$252.3M
营收增速更快
LC
高出0.3%
15.6%
净利率更高
LC
高出31.2%
-10.8%
两年增速更快
LC
近两年复合增速
13.8%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $252.3M | $349.1M |
| 净利润 | $51.6M | $-37.6M |
| 毛利率 | — | 80.1% |
| 营业利润率 | — | -12.3% |
| 净利率 | 20.5% | -10.8% |
| 营收同比 | 15.9% | 15.6% |
| 净利润同比 | 341.0% | 39.6% |
| 每股收益（稀释后） | $0.44 | $-0.25 |
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LCPCOR
| Q1 26 | $252.3M | — | ||
| Q4 25 | $266.5M | $349.1M | ||
| Q3 25 | $266.2M | $338.9M | ||
| Q2 25 | $248.4M | $323.9M | ||
| Q1 25 | $217.7M | $310.6M | ||
| Q4 24 | $217.2M | $302.0M | ||
| Q3 24 | $201.9M | $295.9M | ||
| Q2 24 | $187.2M | $284.3M |
净利润LCPCOR
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | $-37.6M | ||
| Q3 25 | $44.3M | $-9.1M | ||
| Q2 25 | $38.2M | $-21.1M | ||
| Q1 25 | $11.7M | $-33.0M | ||
| Q4 24 | — | $-62.3M | ||
| Q3 24 | $14.5M | $-26.4M | ||
| Q2 24 | $14.9M | $-6.3M |
毛利率LCPCOR
| Q1 26 | — | — | ||
| Q4 25 | — | 80.1% | ||
| Q3 25 | — | 79.7% | ||
| Q2 25 | — | 79.1% | ||
| Q1 25 | — | 79.1% | ||
| Q4 24 | — | 81.2% | ||
| Q3 24 | — | 81.4% | ||
| Q2 24 | — | 83.1% |
营业利润率LCPCOR
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | -12.3% | ||
| Q3 25 | 21.5% | -4.4% | ||
| Q2 25 | 21.7% | -9.3% | ||
| Q1 25 | 7.2% | -11.7% | ||
| Q4 24 | 5.1% | -21.9% | ||
| Q3 24 | 8.9% | -12.3% | ||
| Q2 24 | 10.4% | -5.2% |
净利率LCPCOR
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | -10.8% | ||
| Q3 25 | 16.6% | -2.7% | ||
| Q2 25 | 15.4% | -6.5% | ||
| Q1 25 | 5.4% | -10.6% | ||
| Q4 24 | — | -20.6% | ||
| Q3 24 | 7.2% | -8.9% | ||
| Q2 24 | 8.0% | -2.2% |
每股收益（稀释后）LCPCOR
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | $-0.25 | ||
| Q3 25 | $0.37 | $-0.06 | ||
| Q2 25 | $0.33 | $-0.14 | ||
| Q1 25 | $0.10 | $-0.22 | ||
| Q4 24 | $0.08 | $-0.42 | ||
| Q3 24 | $0.13 | $-0.18 | ||
| Q2 24 | $0.13 | $-0.04 |
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 | — | $768.5M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.5B | $1.3B |
| 总资产 | $11.9B | $2.2B |
| 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LCPCOR
| Q1 26 | — | — | ||
| Q4 25 | — | $768.5M | ||
| Q3 25 | — | $684.0M | ||
| Q2 25 | — | $620.9M | ||
| Q1 25 | — | $566.7M | ||
| Q4 24 | — | $775.4M | ||
| Q3 24 | — | $756.9M | ||
| Q2 24 | — | $735.4M |
总债务LCPCOR
| 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LCPCOR
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | $1.3B | ||
| Q3 25 | $1.5B | $1.2B | ||
| Q2 25 | $1.4B | $1.2B | ||
| Q1 25 | $1.4B | $1.2B | ||
| Q4 24 | $1.3B | $1.3B | ||
| Q3 24 | $1.3B | $1.3B | ||
| Q2 24 | $1.3B | $1.3B |
总资产LCPCOR
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | $2.2B | ||
| Q3 25 | $11.1B | $2.1B | ||
| Q2 25 | $10.8B | $2.0B | ||
| Q1 25 | $10.5B | $1.9B | ||
| Q4 24 | $10.6B | $2.1B | ||
| Q3 24 | $11.0B | $2.0B | ||
| Q2 24 | $9.6B | $2.0B |
负债/权益比LCPCOR
| 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 | — | $114.9M |
| 自由现金流经营现金流 - 资本支出 | — | $109.2M |
| 自由现金流率自由现金流/营收 | — | 31.3% |
| 资本支出强度资本支出/营收 | — | 1.6% |
| 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 | — | $282.2M |
8季度趋势，按日历期对齐
经营现金流LCPCOR
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | $114.9M | ||
| Q3 25 | $-770.8M | $88.5M | ||
| Q2 25 | $-713.1M | $30.8M | ||
| Q1 25 | $-339.3M | $66.0M | ||
| Q4 24 | $-2.6B | $29.1M | ||
| Q3 24 | $-669.8M | $39.3M | ||
| Q2 24 | $-932.5M | $58.7M |
自由现金流LCPCOR
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | $109.2M | ||
| Q3 25 | $-791.8M | $83.1M | ||
| Q2 25 | $-803.8M | $27.9M | ||
| Q1 25 | $-352.3M | $62.0M | ||
| Q4 24 | $-2.7B | $17.4M | ||
| Q3 24 | $-682.3M | $35.7M | ||
| Q2 24 | $-945.3M | $56.8M |
自由现金流率LCPCOR
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | 31.3% | ||
| Q3 25 | -297.4% | 24.5% | ||
| Q2 25 | -323.5% | 8.6% | ||
| Q1 25 | -161.8% | 20.0% | ||
| Q4 24 | -1237.8% | 5.8% | ||
| Q3 24 | -338.0% | 12.1% | ||
| Q2 24 | -504.9% | 20.0% |
资本支出强度LCPCOR
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | 1.6% | ||
| Q3 25 | 7.9% | 1.6% | ||
| Q2 25 | 36.5% | 0.9% | ||
| Q1 25 | 6.0% | 1.3% | ||
| Q4 24 | 25.0% | 3.9% | ||
| Q3 24 | 6.2% | 1.2% | ||
| Q2 24 | 6.9% | 0.7% |
现金转化率LCPCOR
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| 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
PCOR
| US | $298.3M | 85% |
| Non Us | $50.9M | 15% |
