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LendingClub Corp（LC）与Penguin Solutions, Inc.（PENG）财务数据对比。点击上方公司名可切换其他公司
Penguin Solutions, Inc.的季度营收约是LendingClub Corp的1.4倍（$343.1M vs $252.3M），LendingClub Corp净利率更高（20.5% vs 1.5%，领先18.9%），LendingClub Corp同比增速更快（15.9% vs 0.6%），过去两年LendingClub Corp的营收复合增速更高（16.1% vs 11.8%）
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。
企鹅解决方案公司旗下的兰波集团以拉姆齐解决方案品牌开展业务，是一家美国企业，业务涵盖个人理财、领导力发展、人际关系管理与职业发展相关产品与服务。该公司由戴夫·拉姆齐与妻子莎伦于1991年创立，总部位于田纳西州富兰克林。
LC vs PENG — 直观对比
营收规模更大
PENG
是对方的1.4倍
$252.3M
营收增速更快
LC
高出15.3%
0.6%
净利率更高
LC
高出18.9%
1.5%
两年增速更快
LC
近两年复合增速
11.8%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $252.3M | $343.1M |
| 净利润 | $51.6M | $5.3M |
| 毛利率 | — | 28.0% |
| 营业利润率 | — | 5.7% |
| 净利率 | 20.5% | 1.5% |
| 营收同比 | 15.9% | 0.6% |
| 净利润同比 | 341.0% | 1.0% |
| 每股收益（稀释后） | $0.44 | $0.04 |
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LCPENG
| Q1 26 | $252.3M | — | ||
| Q4 25 | $266.5M | $343.1M | ||
| Q3 25 | $266.2M | $337.9M | ||
| Q2 25 | $248.4M | $324.3M | ||
| Q1 25 | $217.7M | $365.5M | ||
| Q4 24 | $217.2M | $341.1M | ||
| Q3 24 | $201.9M | $284.8M | ||
| Q2 24 | $187.2M | $300.6M |
净利润LCPENG
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | $5.3M | ||
| Q3 25 | $44.3M | $9.4M | ||
| Q2 25 | $38.2M | $2.7M | ||
| Q1 25 | $11.7M | $8.1M | ||
| Q4 24 | — | $5.2M | ||
| Q3 24 | $14.5M | — | ||
| Q2 24 | $14.9M | $5.6M |
毛利率LCPENG
| Q1 26 | — | — | ||
| Q4 25 | — | 28.0% | ||
| Q3 25 | — | 28.6% | ||
| Q2 25 | — | 29.3% | ||
| Q1 25 | — | 28.6% | ||
| Q4 24 | — | 28.7% | ||
| Q3 24 | — | 28.8% | ||
| Q2 24 | — | 29.6% |
营业利润率LCPENG
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | 5.7% | ||
| Q3 25 | 21.5% | 3.7% | ||
| Q2 25 | 21.7% | 3.0% | ||
| Q1 25 | 7.2% | 5.1% | ||
| Q4 24 | 5.1% | 5.1% | ||
| Q3 24 | 8.9% | -1.2% | ||
| Q2 24 | 10.4% | 3.8% |
净利率LCPENG
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | 1.5% | ||
| Q3 25 | 16.6% | 2.8% | ||
| Q2 25 | 15.4% | 0.8% | ||
| Q1 25 | 5.4% | 2.2% | ||
| Q4 24 | — | 1.5% | ||
| Q3 24 | 7.2% | — | ||
| Q2 24 | 8.0% | 1.9% |
每股收益（稀释后）LCPENG
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | $0.04 | ||
| Q3 25 | $0.37 | $0.10 | ||
| Q2 25 | $0.33 | $-0.01 | ||
| Q1 25 | $0.10 | $0.09 | ||
| Q4 24 | $0.08 | $0.10 | ||
| Q3 24 | $0.13 | — | ||
| Q2 24 | $0.13 | $0.10 |
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 | — | $461.5M |
| 总债务越低越好 | — | $462.3M |
| 股东权益账面价值 | $1.5B | $389.7M |
| 总资产 | $11.9B | $1.6B |
| 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LCPENG
| Q1 26 | — | — | ||
| Q4 25 | — | $461.5M | ||
| Q3 25 | — | $453.8M | ||
| Q2 25 | — | $735.5M | ||
| Q1 25 | — | $647.0M | ||
| Q4 24 | — | $393.7M | ||
| Q3 24 | — | $389.5M | ||
| Q2 24 | — | $467.5M |
总债务LCPENG
| Q1 26 | — | — | ||
| Q4 25 | $0 | $462.3M | ||
| Q3 25 | $0 | $461.8M | ||
| Q2 25 | $0 | $659.5M | ||
| Q1 25 | $0 | $658.8M | ||
| Q4 24 | $0 | $658.1M | ||
| Q3 24 | — | $657.3M | ||
| Q2 24 | — | $667.0M |
股东权益LCPENG
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | $389.7M | ||
| Q3 25 | $1.5B | $394.2M | ||
| Q2 25 | $1.4B | $584.8M | ||
| Q1 25 | $1.4B | $602.5M | ||
| Q4 24 | $1.3B | $400.4M | ||
| Q3 24 | $1.3B | $391.4M | ||
| Q2 24 | $1.3B | $423.4M |
总资产LCPENG
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | $1.6B | ||
| Q3 25 | $11.1B | $1.6B | ||
| Q2 25 | $10.8B | $1.8B | ||
| Q1 25 | $10.5B | $1.8B | ||
| Q4 24 | $10.6B | $1.6B | ||
| Q3 24 | $11.0B | $1.5B | ||
| Q2 24 | $9.6B | $1.5B |
负债/权益比LCPENG
| Q1 26 | — | — | ||
| Q4 25 | 0.00× | 1.19× | ||
| Q3 25 | 0.00× | 1.17× | ||
| Q2 25 | 0.00× | 1.13× | ||
| Q1 25 | 0.00× | 1.09× | ||
| Q4 24 | 0.00× | 1.64× | ||
| Q3 24 | — | 1.68× | ||
| Q2 24 | — | 1.58× |
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 | — | $31.1M |
| 自由现金流经营现金流 - 资本支出 | — | $28.2M |
| 自由现金流率自由现金流/营收 | — | 8.2% |
| 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 | — | 5.89× |
| 过去12个月自由现金流最近4个季度 | — | $116.3M |
8季度趋势，按日历期对齐
经营现金流LCPENG
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | $31.1M | ||
| Q3 25 | $-770.8M | $-70.4M | ||
| Q2 25 | $-713.1M | $92.8M | ||
| Q1 25 | $-339.3M | $72.9M | ||
| Q4 24 | $-2.6B | $13.8M | ||
| Q3 24 | $-669.8M | — | ||
| Q2 24 | $-932.5M | $57.9M |
自由现金流LCPENG
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | $28.2M | ||
| Q3 25 | $-791.8M | $-73.4M | ||
| Q2 25 | $-803.8M | $90.9M | ||
| Q1 25 | $-352.3M | $70.5M | ||
| Q4 24 | $-2.7B | $12.0M | ||
| Q3 24 | $-682.3M | — | ||
| Q2 24 | $-945.3M | $48.9M |
自由现金流率LCPENG
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | 8.2% | ||
| Q3 25 | -297.4% | -21.7% | ||
| Q2 25 | -323.5% | 28.0% | ||
| Q1 25 | -161.8% | 19.3% | ||
| Q4 24 | -1237.8% | 3.5% | ||
| Q3 24 | -338.0% | — | ||
| Q2 24 | -504.9% | 16.3% |
资本支出强度LCPENG
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | 0.8% | ||
| Q3 25 | 7.9% | 0.9% | ||
| Q2 25 | 36.5% | 0.6% | ||
| Q1 25 | 6.0% | 0.6% | ||
| Q4 24 | 25.0% | 0.5% | ||
| Q3 24 | 6.2% | — | ||
| Q2 24 | 6.9% | 3.0% |
现金转化率LCPENG
| Q1 26 | — | — | ||
| Q4 25 | — | 5.89× | ||
| Q3 25 | -17.41× | -7.47× | ||
| Q2 25 | -18.68× | 34.88× | ||
| Q1 25 | -29.07× | 9.02× | ||
| Q4 24 | — | 2.65× | ||
| Q3 24 | -46.33× | — | ||
| Q2 24 | -62.57× | 10.30× |
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
PENG
| Integrated Memory Segment | $171.6M | 50% |
| Advanced Computing Segment | $115.7M | 34% |
| Optimized LED Segment | $55.7M | 16% |
