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LendingClub Corp（LC）与PERDOCEO EDUCATION Corp（PRDO）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PERDOCEO EDUCATION Corp的1.2倍（$252.3M vs $211.6M），PERDOCEO EDUCATION Corp同比增速更快（20.0% vs 15.9%），过去两年LendingClub Corp的营收复合增速更高（16.1% vs 12.2%）
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。
Perdoceo Education是美国上市营利性教育集团，前身为职业教育公司（Career Education Corporation），旗下运营五所美国营利性大学，包括美国洲际大学、科罗拉多理工大学、南加利福尼亚大学、三叉戟国际大学及圣奥古斯丁健康科学大学，业务覆盖高等教育、职业教育及健康科学相关教育领域。
LC vs PRDO — 直观对比
营收规模更大
LC
是对方的1.2倍
$211.6M
营收增速更快
PRDO
高出4.1%
15.9%
两年增速更快
LC
近两年复合增速
12.2%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $252.3M | $211.6M |
| 净利润 | $51.6M | — |
| 毛利率 | — | — |
| 营业利润率 | — | 19.8% |
| 净利率 | 20.5% | — |
| 营收同比 | 15.9% | 20.0% |
| 净利润同比 | 341.0% | — |
| 每股收益（稀释后） | $0.44 | $0.55 |
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LCPRDO
| Q1 26 | $252.3M | — | ||
| Q4 25 | $266.5M | $211.6M | ||
| Q3 25 | $266.2M | $211.9M | ||
| Q2 25 | $248.4M | $209.6M | ||
| Q1 25 | $217.7M | $213.0M | ||
| Q4 24 | $217.2M | $176.4M | ||
| Q3 24 | $201.9M | $169.8M | ||
| Q2 24 | $187.2M | $166.7M |
净利润LCPRDO
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | $44.3M | $39.9M | ||
| Q2 25 | $38.2M | $41.0M | ||
| Q1 25 | $11.7M | $43.7M | ||
| Q4 24 | — | — | ||
| Q3 24 | $14.5M | $38.3M | ||
| Q2 24 | $14.9M | $38.4M |
营业利润率LCPRDO
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | 19.8% | ||
| Q3 25 | 21.5% | 24.1% | ||
| Q2 25 | 21.7% | 24.5% | ||
| Q1 25 | 7.2% | 24.3% | ||
| Q4 24 | 5.1% | 21.1% | ||
| Q3 24 | 8.9% | 26.4% | ||
| Q2 24 | 10.4% | 27.6% |
净利率LCPRDO
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 16.6% | 18.8% | ||
| Q2 25 | 15.4% | 19.6% | ||
| Q1 25 | 5.4% | 20.5% | ||
| Q4 24 | — | — | ||
| Q3 24 | 7.2% | 22.5% | ||
| Q2 24 | 8.0% | 23.0% |
每股收益（稀释后）LCPRDO
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | $0.55 | ||
| Q3 25 | $0.37 | $0.60 | ||
| Q2 25 | $0.33 | $0.62 | ||
| Q1 25 | $0.10 | $0.65 | ||
| Q4 24 | $0.08 | $0.46 | ||
| Q3 24 | $0.13 | $0.57 | ||
| Q2 24 | $0.13 | $0.57 |
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 | — | $111.0M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.5B | $972.4M |
| 总资产 | $11.9B | $1.2B |
| 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LCPRDO
| Q1 26 | — | — | ||
| Q4 25 | — | $111.0M | ||
| Q3 25 | — | $159.5M | ||
| Q2 25 | — | $172.1M | ||
| Q1 25 | — | $132.1M | ||
| Q4 24 | — | $109.1M | ||
| Q3 24 | — | $238.0M | ||
| Q2 24 | — | $127.9M |
总债务LCPRDO
| 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LCPRDO
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | $972.4M | ||
| Q3 25 | $1.5B | $997.9M | ||
| Q2 25 | $1.4B | $984.6M | ||
| Q1 25 | $1.4B | $970.3M | ||
| Q4 24 | $1.3B | $959.5M | ||
| Q3 24 | $1.3B | $935.4M | ||
| Q2 24 | $1.3B | $899.5M |
总资产LCPRDO
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | $1.2B | ||
| Q3 25 | $11.1B | $1.3B | ||
| Q2 25 | $10.8B | $1.3B | ||
| Q1 25 | $10.5B | $1.3B | ||
| Q4 24 | $10.6B | $1.2B | ||
| Q3 24 | $11.0B | $1.1B | ||
| Q2 24 | $9.6B | $1.1B |
负债/权益比LCPRDO
| 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 | — | $40.1M |
| 自由现金流经营现金流 - 资本支出 | — | $37.9M |
| 自由现金流率自由现金流/营收 | — | 17.9% |
| 资本支出强度资本支出/营收 | — | 1.1% |
| 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 | — | $216.7M |
8季度趋势，按日历期对齐
经营现金流LCPRDO
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | $40.1M | ||
| Q3 25 | $-770.8M | $41.2M | ||
| Q2 25 | $-713.1M | $78.8M | ||
| Q1 25 | $-339.3M | $65.1M | ||
| Q4 24 | $-2.6B | $17.6M | ||
| Q3 24 | $-669.8M | $51.0M | ||
| Q2 24 | $-932.5M | $38.5M |
自由现金流LCPRDO
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | $37.9M | ||
| Q3 25 | $-791.8M | $39.4M | ||
| Q2 25 | $-803.8M | $76.0M | ||
| Q1 25 | $-352.3M | $63.4M | ||
| Q4 24 | $-2.7B | $16.0M | ||
| Q3 24 | $-682.3M | $50.0M | ||
| Q2 24 | $-945.3M | $37.7M |
自由现金流率LCPRDO
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | 17.9% | ||
| Q3 25 | -297.4% | 18.6% | ||
| Q2 25 | -323.5% | 36.3% | ||
| Q1 25 | -161.8% | 29.8% | ||
| Q4 24 | -1237.8% | 9.1% | ||
| Q3 24 | -338.0% | 29.4% | ||
| Q2 24 | -504.9% | 22.6% |
资本支出强度LCPRDO
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | 1.1% | ||
| Q3 25 | 7.9% | 0.9% | ||
| Q2 25 | 36.5% | 1.3% | ||
| Q1 25 | 6.0% | 0.8% | ||
| Q4 24 | 25.0% | 0.9% | ||
| Q3 24 | 6.2% | 0.6% | ||
| Q2 24 | 6.9% | 0.5% |
现金转化率LCPRDO
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | -17.41× | 1.03× | ||
| Q2 25 | -18.68× | 1.92× | ||
| Q1 25 | -29.07× | 1.49× | ||
| Q4 24 | — | — | ||
| Q3 24 | -46.33× | 1.33× | ||
| Q2 24 | -62.57× | 1.00× |
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
PRDO
| CTU | $107.0M | 51% |
| AIUS | $60.8M | 29% |
| University Of St Augustine For Health Sciences Llc | $43.7M | 21% |
| Other | $1.1M | 1% |
