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LendingClub Corp（LC）与通用动力（PLOW）财务数据对比。点击上方公司名可切换其他公司
LendingClub Corp的季度营收约是通用动力的1.4倍（$252.3M vs $184.5M），LendingClub Corp净利率更高（20.5% vs 7.0%，领先13.5%），通用动力同比增速更快（28.6% vs 15.9%），过去两年通用动力的营收复合增速更高（38.9% vs 16.1%）
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。
通用动力公司是总部位于美国弗吉尼亚州雷斯顿的工业与科技企业，核心业务是研发制造各类先进军用装备，产品包括核潜艇、主战坦克、装甲战车等，同时也生产民用湾流公务机，并提供信息技术服务，是美国联邦政府前五大国防承包商之一。
LC vs PLOW — 直观对比
营收规模更大
LC
是对方的1.4倍
$184.5M
营收增速更快
PLOW
高出12.7%
15.9%
净利率更高
LC
高出13.5%
7.0%
两年增速更快
PLOW
近两年复合增速
16.1%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $252.3M | $184.5M |
| 净利润 | $51.6M | $12.8M |
| 毛利率 | — | 26.1% |
| 营业利润率 | — | 10.5% |
| 净利率 | 20.5% | 7.0% |
| 营收同比 | 15.9% | 28.6% |
| 净利润同比 | 341.0% | 62.3% |
| 每股收益（稀释后） | $0.44 | $0.54 |
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LCPLOW
| Q1 26 | $252.3M | — | ||
| Q4 25 | $266.5M | $184.5M | ||
| Q3 25 | $266.2M | $162.1M | ||
| Q2 25 | $248.4M | $194.3M | ||
| Q1 25 | $217.7M | $115.1M | ||
| Q4 24 | $217.2M | $143.5M | ||
| Q3 24 | $201.9M | $129.4M | ||
| Q2 24 | $187.2M | $199.9M |
净利润LCPLOW
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | $12.8M | ||
| Q3 25 | $44.3M | $8.0M | ||
| Q2 25 | $38.2M | $26.0M | ||
| Q1 25 | $11.7M | $148.0K | ||
| Q4 24 | — | $7.9M | ||
| Q3 24 | $14.5M | $32.3M | ||
| Q2 24 | $14.9M | $24.3M |
毛利率LCPLOW
| Q1 26 | — | — | ||
| Q4 25 | — | 26.1% | ||
| Q3 25 | — | 23.5% | ||
| Q2 25 | — | 31.0% | ||
| Q1 25 | — | 24.5% | ||
| Q4 24 | — | 24.9% | ||
| Q3 24 | — | 23.9% | ||
| Q2 24 | — | 30.7% |
营业利润率LCPLOW
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | 10.5% | ||
| Q3 25 | 21.5% | 8.7% | ||
| Q2 25 | 21.7% | 19.0% | ||
| Q1 25 | 7.2% | 2.8% | ||
| Q4 24 | 5.1% | 9.0% | ||
| Q3 24 | 8.9% | 35.4% | ||
| Q2 24 | 10.4% | 18.2% |
净利率LCPLOW
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | 7.0% | ||
| Q3 25 | 16.6% | 4.9% | ||
| Q2 25 | 15.4% | 13.4% | ||
| Q1 25 | 5.4% | 0.1% | ||
| Q4 24 | — | 5.5% | ||
| Q3 24 | 7.2% | 24.9% | ||
| Q2 24 | 8.0% | 12.2% |
每股收益（稀释后）LCPLOW
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | $0.54 | ||
| Q3 25 | $0.37 | $0.33 | ||
| Q2 25 | $0.33 | $1.09 | ||
| Q1 25 | $0.10 | $0.00 | ||
| Q4 24 | $0.08 | $0.35 | ||
| Q3 24 | $0.13 | $1.36 | ||
| Q2 24 | $0.13 | $1.02 |
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 | — | — |
| 总债务越低越好 | — | $144.0M |
| 股东权益账面价值 | $1.5B | $281.4M |
| 总资产 | $11.9B | $626.7M |
| 负债/权益比越低杠杆越低 | — | 0.51× |
8季度趋势，按日历期对齐
总债务LCPLOW
| Q1 26 | — | — | ||
| Q4 25 | $0 | $144.0M | ||
| Q3 25 | $0 | — | ||
| Q2 25 | $0 | — | ||
| Q1 25 | $0 | — | ||
| Q4 24 | $0 | $147.5M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益LCPLOW
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | $281.4M | ||
| Q3 25 | $1.5B | $275.3M | ||
| Q2 25 | $1.4B | $273.3M | ||
| Q1 25 | $1.4B | $258.9M | ||
| Q4 24 | $1.3B | $264.2M | ||
| Q3 24 | $1.3B | $260.8M | ||
| Q2 24 | $1.3B | $236.7M |
总资产LCPLOW
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | $626.7M | ||
| Q3 25 | $11.1B | $694.9M | ||
| Q2 25 | $10.8B | $671.5M | ||
| Q1 25 | $10.5B | $621.0M | ||
| Q4 24 | $10.6B | $590.0M | ||
| Q3 24 | $11.0B | $665.6M | ||
| Q2 24 | $9.6B | $617.0M |
负债/权益比LCPLOW
| Q1 26 | — | — | ||
| Q4 25 | 0.00× | 0.51× | ||
| Q3 25 | 0.00× | — | ||
| Q2 25 | 0.00× | — | ||
| Q1 25 | 0.00× | — | ||
| Q4 24 | 0.00× | 0.56× | ||
| 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 | — | $95.9M |
| 自由现金流经营现金流 - 资本支出 | — | $92.8M |
| 自由现金流率自由现金流/营收 | — | 50.3% |
| 资本支出强度资本支出/营收 | — | 1.7% |
| 现金转化率经营现金流/净利润 | — | 7.47× |
| 过去12个月自由现金流最近4个季度 | — | $63.6M |
8季度趋势，按日历期对齐
经营现金流LCPLOW
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | $95.9M | ||
| Q3 25 | $-770.8M | $-8.5M | ||
| Q2 25 | $-713.1M | $-11.4M | ||
| Q1 25 | $-339.3M | $-1.3M | ||
| Q4 24 | $-2.6B | $74.4M | ||
| Q3 24 | $-669.8M | $-14.2M | ||
| Q2 24 | $-932.5M | $2.5M |
自由现金流LCPLOW
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | $92.8M | ||
| Q3 25 | $-791.8M | $-11.4M | ||
| Q2 25 | $-803.8M | $-14.3M | ||
| Q1 25 | $-352.3M | $-3.5M | ||
| Q4 24 | $-2.7B | $70.2M | ||
| Q3 24 | $-682.3M | $-15.2M | ||
| Q2 24 | $-945.3M | $836.0K |
自由现金流率LCPLOW
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | 50.3% | ||
| Q3 25 | -297.4% | -7.1% | ||
| Q2 25 | -323.5% | -7.4% | ||
| Q1 25 | -161.8% | -3.0% | ||
| Q4 24 | -1237.8% | 48.9% | ||
| Q3 24 | -338.0% | -11.8% | ||
| Q2 24 | -504.9% | 0.4% |
资本支出强度LCPLOW
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | 1.7% | ||
| Q3 25 | 7.9% | 1.8% | ||
| Q2 25 | 36.5% | 1.5% | ||
| Q1 25 | 6.0% | 1.9% | ||
| Q4 24 | 25.0% | 2.9% | ||
| Q3 24 | 6.2% | 0.8% | ||
| Q2 24 | 6.9% | 0.8% |
现金转化率LCPLOW
| Q1 26 | — | — | ||
| Q4 25 | — | 7.47× | ||
| Q3 25 | -17.41× | -1.07× | ||
| Q2 25 | -18.68× | -0.44× | ||
| Q1 25 | -29.07× | -9.03× | ||
| Q4 24 | — | 9.41× | ||
| Q3 24 | -46.33× | -0.44× | ||
| Q2 24 | -62.57× | 0.10× |
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
PLOW
| Work Truck Solutions | $101.5M | 55% |
| Transferred At Point In Time | $83.1M | 45% |
