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LendingClub Corp（LC）与Childrens Place, Inc.（PLCE）财务数据对比。点击上方公司名可切换其他公司
Childrens Place, Inc.的季度营收约是LendingClub Corp的1.3倍（$339.5M vs $252.3M），LendingClub Corp净利率更高（20.5% vs -1.3%，领先21.7%），LendingClub Corp同比增速更快（15.9% vs -13.0%），过去两年LendingClub Corp的营收复合增速更高（16.1% vs -13.6%）
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。
Children’s Place是专业儿童服饰零售商，产品主要以旗下自有品牌发售，涵盖Gymboree、Sugar & Jade、PJ Place、Crazy 8等。目前该品牌在美国、加拿大、波多黎各共开设约525家门店，同时通过两个线上渠道以及15个国家的5家加盟合作伙伴开展销售，产品涵盖上衣、裙装、鞋履、裤装、睡衣、背包等全品类儿童服饰配件。
LC vs PLCE — 直观对比
营收规模更大
PLCE
是对方的1.3倍
$252.3M
营收增速更快
LC
高出28.9%
-13.0%
净利率更高
LC
高出21.7%
-1.3%
两年增速更快
LC
近两年复合增速
-13.6%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $252.3M | $339.5M |
| 净利润 | $51.6M | $-4.3M |
| 毛利率 | — | 33.1% |
| 营业利润率 | — | 1.1% |
| 净利率 | 20.5% | -1.3% |
| 营收同比 | 15.9% | -13.0% |
| 净利润同比 | 341.0% | -121.5% |
| 每股收益（稀释后） | $0.44 | $-0.19 |
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LCPLCE
| Q1 26 | $252.3M | — | ||
| Q4 25 | $266.5M | $339.5M | ||
| Q3 25 | $266.2M | $298.0M | ||
| Q2 25 | $248.4M | $242.1M | ||
| Q1 25 | $217.7M | $408.6M | ||
| Q4 24 | $217.2M | $390.2M | ||
| Q3 24 | $201.9M | $319.7M | ||
| Q2 24 | $187.2M | $267.9M |
净利润LCPLCE
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | $-4.3M | ||
| Q3 25 | $44.3M | $-5.4M | ||
| Q2 25 | $38.2M | $-34.0M | ||
| Q1 25 | $11.7M | $-8.0M | ||
| Q4 24 | — | $20.1M | ||
| Q3 24 | $14.5M | $-32.1M | ||
| Q2 24 | $14.9M | $-37.8M |
毛利率LCPLCE
| Q1 26 | — | — | ||
| Q4 25 | — | 33.1% | ||
| Q3 25 | — | 34.0% | ||
| Q2 25 | — | 29.2% | ||
| Q1 25 | — | 28.5% | ||
| Q4 24 | — | 35.5% | ||
| Q3 24 | — | 35.0% | ||
| Q2 24 | — | 34.6% |
营业利润率LCPLCE
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | 1.1% | ||
| Q3 25 | 21.5% | 1.4% | ||
| Q2 25 | 21.7% | -10.0% | ||
| Q1 25 | 7.2% | 1.7% | ||
| Q4 24 | 5.1% | 7.5% | ||
| Q3 24 | 8.9% | -6.8% | ||
| Q2 24 | 10.4% | -10.4% |
净利率LCPLCE
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | -1.3% | ||
| Q3 25 | 16.6% | -1.8% | ||
| Q2 25 | 15.4% | -14.1% | ||
| Q1 25 | 5.4% | -2.0% | ||
| Q4 24 | — | 5.1% | ||
| Q3 24 | 7.2% | -10.0% | ||
| Q2 24 | 8.0% | -14.1% |
每股收益（稀释后）LCPLCE
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | $-0.19 | ||
| Q3 25 | $0.37 | $-0.24 | ||
| Q2 25 | $0.33 | $-1.57 | ||
| Q1 25 | $0.10 | $-0.60 | ||
| Q4 24 | $0.08 | $1.57 | ||
| Q3 24 | $0.13 | $-2.51 | ||
| Q2 24 | $0.13 | $-2.98 |
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 | — | $7.3M |
| 总债务越低越好 | — | $107.4M |
| 股东权益账面价值 | $1.5B | $-8.6M |
| 总资产 | $11.9B | $762.5M |
| 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LCPLCE
| Q1 26 | — | — | ||
| Q4 25 | — | $7.3M | ||
| Q3 25 | — | $7.8M | ||
| Q2 25 | — | $5.7M | ||
| Q1 25 | — | $5.3M | ||
| Q4 24 | — | $5.7M | ||
| Q3 24 | — | $9.6M | ||
| Q2 24 | — | $13.0M |
总债务LCPLCE
| Q1 26 | — | — | ||
| Q4 25 | $0 | $107.4M | ||
| Q3 25 | $0 | $107.2M | ||
| Q2 25 | $0 | $107.0M | ||
| Q1 25 | $0 | $166.0M | ||
| Q4 24 | $0 | $165.7M | ||
| Q3 24 | — | $165.4M | ||
| Q2 24 | — | $166.6M |
股东权益LCPLCE
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | $-8.6M | ||
| Q3 25 | $1.5B | $-4.9M | ||
| Q2 25 | $1.4B | $1.4M | ||
| Q1 25 | $1.4B | $-59.4M | ||
| Q4 24 | $1.3B | $-49.6M | ||
| Q3 24 | $1.3B | $-68.9M | ||
| Q2 24 | $1.3B | $-34.9M |
总资产LCPLCE
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | $762.5M | ||
| Q3 25 | $11.1B | $805.1M | ||
| Q2 25 | $10.8B | $779.6M | ||
| Q1 25 | $10.5B | $747.6M | ||
| Q4 24 | $10.6B | $888.8M | ||
| Q3 24 | $11.0B | $921.4M | ||
| Q2 24 | $9.6B | $848.3M |
负债/权益比LCPLCE
| Q1 26 | — | — | ||
| Q4 25 | 0.00× | — | ||
| Q3 25 | 0.00× | — | ||
| Q2 25 | 0.00× | 75.63× | ||
| 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 | — | $6.2M |
| 自由现金流经营现金流 - 资本支出 | — | $-3.4M |
| 自由现金流率自由现金流/营收 | — | -1.0% |
| 资本支出强度资本支出/营收 | — | 2.8% |
| 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 | — | $39.5M |
8季度趋势，按日历期对齐
经营现金流LCPLCE
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | $6.2M | ||
| Q3 25 | $-770.8M | $-30.5M | ||
| Q2 25 | $-713.1M | $-43.0M | ||
| Q1 25 | $-339.3M | $121.3M | ||
| Q4 24 | $-2.6B | $-44.2M | ||
| Q3 24 | $-669.8M | $-83.9M | ||
| Q2 24 | $-932.5M | $-110.8M |
自由现金流LCPLCE
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | $-3.4M | ||
| Q3 25 | $-791.8M | $-31.9M | ||
| Q2 25 | $-803.8M | $-46.4M | ||
| Q1 25 | $-352.3M | $121.2M | ||
| Q4 24 | $-2.7B | $-47.7M | ||
| Q3 24 | $-682.3M | $-91.7M | ||
| Q2 24 | $-945.3M | $-115.5M |
自由现金流率LCPLCE
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | -1.0% | ||
| Q3 25 | -297.4% | -10.7% | ||
| Q2 25 | -323.5% | -19.2% | ||
| Q1 25 | -161.8% | 29.7% | ||
| Q4 24 | -1237.8% | -12.2% | ||
| Q3 24 | -338.0% | -28.7% | ||
| Q2 24 | -504.9% | -43.1% |
资本支出强度LCPLCE
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | 2.8% | ||
| Q3 25 | 7.9% | 0.5% | ||
| Q2 25 | 36.5% | 1.4% | ||
| Q1 25 | 6.0% | 0.0% | ||
| Q4 24 | 25.0% | 0.9% | ||
| Q3 24 | 6.2% | 2.4% | ||
| Q2 24 | 6.9% | 1.8% |
现金转化率LCPLCE
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | -17.41× | — | ||
| Q2 25 | -18.68× | — | ||
| Q1 25 | -29.07× | — | ||
| Q4 24 | — | -2.20× | ||
| 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
PLCE
| The Childrens Place US | $307.4M | 91% |
| The Childrens Place International | $32.1M | 9% |
| Gift Cards | $1.7M | 1% |
