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LendingClub Corp（LC）与PLUG POWER INC（PLUG）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PLUG POWER INC的1.1倍（$252.3M vs $225.2M），LendingClub Corp净利率更高（20.5% vs -375.6%，领先396.1%），PLUG POWER INC同比增速更快（17.6% vs 15.9%），过去两年PLUG POWER INC的营收复合增速更高（36.8% 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。
普拉格能源是一家美国企业，专注于氢燃料电池和电解槽系统的研发，其产品可替代电动设备及车辆所使用的传统电池。公司总部位于纽约州斯林格兰兹，在华盛顿州斯波坎、纽约州罗切斯特均设有生产运营基地。
LC vs PLUG — 直观对比
营收规模更大
LC
是对方的1.1倍
$225.2M
营收增速更快
PLUG
高出1.7%
15.9%
净利率更高
LC
高出396.1%
-375.6%
两年增速更快
PLUG
近两年复合增速
16.1%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $252.3M | $225.2M |
| 净利润 | $51.6M | $-846.0M |
| 毛利率 | — | 2.4% |
| 营业利润率 | — | -338.9% |
| 净利率 | 20.5% | -375.6% |
| 营收同比 | 15.9% | 17.6% |
| 净利润同比 | 341.0% | 36.7% |
| 每股收益（稀释后） | $0.44 | $-0.70 |
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LCPLUG
| Q1 26 | $252.3M | — | ||
| Q4 25 | $266.5M | $225.2M | ||
| Q3 25 | $266.2M | $177.1M | ||
| Q2 25 | $248.4M | $174.0M | ||
| Q1 25 | $217.7M | $133.7M | ||
| Q4 24 | $217.2M | $191.5M | ||
| Q3 24 | $201.9M | $173.7M | ||
| Q2 24 | $187.2M | $143.3M |
净利润LCPLUG
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | $-846.0M | ||
| Q3 25 | $44.3M | $-361.9M | ||
| Q2 25 | $38.2M | $-227.1M | ||
| Q1 25 | $11.7M | $-196.7M | ||
| Q4 24 | — | $-1.3B | ||
| Q3 24 | $14.5M | $-211.2M | ||
| Q2 24 | $14.9M | $-262.3M |
毛利率LCPLUG
| Q1 26 | — | — | ||
| Q4 25 | — | 2.4% | ||
| Q3 25 | — | -67.9% | ||
| Q2 25 | — | -30.7% | ||
| Q1 25 | — | -55.3% | ||
| Q4 24 | — | -122.5% | ||
| Q3 24 | — | -57.6% | ||
| Q2 24 | — | -91.6% |
营业利润率LCPLUG
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | -338.9% | ||
| Q3 25 | 21.5% | -197.0% | ||
| Q2 25 | 21.7% | -101.7% | ||
| Q1 25 | 7.2% | -133.5% | ||
| Q4 24 | 5.1% | -678.7% | ||
| Q3 24 | 8.9% | -124.4% | ||
| Q2 24 | 10.4% | -170.7% |
净利率LCPLUG
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | -375.6% | ||
| Q3 25 | 16.6% | -204.4% | ||
| Q2 25 | 15.4% | -130.5% | ||
| Q1 25 | 5.4% | -147.1% | ||
| Q4 24 | — | -697.5% | ||
| Q3 24 | 7.2% | -121.5% | ||
| Q2 24 | 8.0% | -183.0% |
每股收益（稀释后）LCPLUG
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | $-0.70 | ||
| Q3 25 | $0.37 | $-0.31 | ||
| Q2 25 | $0.33 | $-0.20 | ||
| Q1 25 | $0.10 | $-0.21 | ||
| Q4 24 | $0.08 | $-1.61 | ||
| Q3 24 | $0.13 | $-0.25 | ||
| Q2 24 | $0.13 | $-0.36 |
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 | — | $368.5M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.5B | $978.1M |
| 总资产 | $11.9B | $2.6B |
| 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LCPLUG
| Q1 26 | — | — | ||
| Q4 25 | — | $368.5M | ||
| Q3 25 | — | $165.9M | ||
| Q2 25 | — | $140.7M | ||
| Q1 25 | — | $295.8M | ||
| Q4 24 | — | $205.7M | ||
| Q3 24 | — | $93.9M | ||
| Q2 24 | — | $62.4M |
总债务LCPLUG
| Q1 26 | — | — | ||
| Q4 25 | $0 | — | ||
| Q3 25 | $0 | — | ||
| Q2 25 | $0 | — | ||
| Q1 25 | $0 | — | ||
| Q4 24 | $0 | — | ||
| Q3 24 | — | $3.9M | ||
| Q2 24 | — | $3.7M |
股东权益LCPLUG
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | $978.1M | ||
| Q3 25 | $1.5B | $1.4B | ||
| Q2 25 | $1.4B | $1.7B | ||
| Q1 25 | $1.4B | $1.9B | ||
| Q4 24 | $1.3B | $1.7B | ||
| Q3 24 | $1.3B | $3.0B | ||
| Q2 24 | $1.3B | $3.0B |
总资产LCPLUG
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | $2.6B | ||
| Q3 25 | $11.1B | $3.1B | ||
| Q2 25 | $10.8B | $3.4B | ||
| Q1 25 | $10.5B | $3.6B | ||
| Q4 24 | $10.6B | $3.6B | ||
| Q3 24 | $11.0B | $4.7B | ||
| Q2 24 | $9.6B | $4.8B |
负债/权益比LCPLUG
| Q1 26 | — | — | ||
| Q4 25 | 0.00× | — | ||
| Q3 25 | 0.00× | — | ||
| Q2 25 | 0.00× | — | ||
| Q1 25 | 0.00× | — | ||
| Q4 24 | 0.00× | — | ||
| Q3 24 | — | 0.00× | ||
| Q2 24 | — | 0.00× |
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 | — | $-148.6M |
| 自由现金流经营现金流 - 资本支出 | — | $-153.0M |
| 自由现金流率自由现金流/营收 | — | -67.9% |
| 资本支出强度资本支出/营收 | — | 1.9% |
| 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 | — | $-647.0M |
8季度趋势，按日历期对齐
经营现金流LCPLUG
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | $-148.6M | ||
| Q3 25 | $-770.8M | $-89.8M | ||
| Q2 25 | $-713.1M | $-191.8M | ||
| Q1 25 | $-339.3M | $-105.6M | ||
| Q4 24 | $-2.6B | $-131.2M | ||
| Q3 24 | $-669.8M | $-174.9M | ||
| Q2 24 | $-932.5M | $-254.7M |
自由现金流LCPLUG
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | $-153.0M | ||
| Q3 25 | $-791.8M | $-117.5M | ||
| Q2 25 | $-803.8M | $-230.4M | ||
| Q1 25 | $-352.3M | $-146.0M | ||
| Q4 24 | $-2.7B | $-165.2M | ||
| Q3 24 | $-682.3M | $-234.2M | ||
| Q2 24 | $-945.3M | $-356.0M |
自由现金流率LCPLUG
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | -67.9% | ||
| Q3 25 | -297.4% | -66.4% | ||
| Q2 25 | -323.5% | -132.5% | ||
| Q1 25 | -161.8% | -109.2% | ||
| Q4 24 | -1237.8% | -86.3% | ||
| Q3 24 | -338.0% | -134.8% | ||
| Q2 24 | -504.9% | -248.4% |
资本支出强度LCPLUG
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | 1.9% | ||
| Q3 25 | 7.9% | 15.6% | ||
| Q2 25 | 36.5% | 22.2% | ||
| Q1 25 | 6.0% | 30.3% | ||
| Q4 24 | 25.0% | 17.7% | ||
| Q3 24 | 6.2% | 34.1% | ||
| Q2 24 | 6.9% | 70.7% |
现金转化率LCPLUG
| 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
PLUG
| Sales Of Equipment And Related Infrastructure | $111.6M | 50% |
| Services Performed On Fuel Cell Systems And Related Infrastructure | $41.5M | 18% |
| Power Purchase Agreements | $36.1M | 16% |
| Sale Of Cryogenic Equipment | $20.0M | 9% |
| Sales Of Fuel Cell Systems | $11.2M | 5% |
| Other | $4.8M | 2% |
