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LendingClub Corp（LC）与PROGRESS SOFTWARE CORP（PRGS）财务数据对比。点击上方公司名可切换其他公司
PROGRESS SOFTWARE CORP的季度营收约是LendingClub Corp的1.0倍（$252.7M vs $252.3M），LendingClub Corp净利率更高（20.5% vs 10.2%，领先10.3%），PROGRESS SOFTWARE CORP同比增速更快（17.5% vs 15.9%），过去两年PROGRESS SOFTWARE CORP的营收复合增速更高（17.0% 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。
Progress Software是全球领先的企业级软件服务商，主营应用开发平台、数据连接工具、数字体验解决方案等产品，服务覆盖金融、医疗、制造、零售等多行业的全球企业客户，助力客户搭建高性能可扩展的业务应用，提升运营效率。
LC vs PRGS — 直观对比
营收规模更大
PRGS
是对方的1.0倍
$252.3M
营收增速更快
PRGS
高出1.6%
15.9%
净利率更高
LC
高出10.3%
10.2%
两年增速更快
PRGS
近两年复合增速
16.1%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $252.3M | $252.7M |
| 净利润 | $51.6M | $25.7M |
| 毛利率 | — | 81.6% |
| 营业利润率 | — | 15.2% |
| 净利率 | 20.5% | 10.2% |
| 营收同比 | 15.9% | 17.5% |
| 净利润同比 | 341.0% | 2144.6% |
| 每股收益（稀释后） | $0.44 | $0.59 |
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LCPRGS
| Q1 26 | $252.3M | — | ||
| Q4 25 | $266.5M | $252.7M | ||
| Q3 25 | $266.2M | $249.8M | ||
| Q2 25 | $248.4M | $237.4M | ||
| Q1 25 | $217.7M | $238.0M | ||
| Q4 24 | $217.2M | $215.0M | ||
| Q3 24 | $201.9M | $178.7M | ||
| Q2 24 | $187.2M | $175.1M |
净利润LCPRGS
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | $25.7M | ||
| Q3 25 | $44.3M | $19.4M | ||
| Q2 25 | $38.2M | $17.0M | ||
| Q1 25 | $11.7M | $10.9M | ||
| Q4 24 | — | $1.1M | ||
| Q3 24 | $14.5M | $28.5M | ||
| Q2 24 | $14.9M | $16.2M |
毛利率LCPRGS
| Q1 26 | — | — | ||
| Q4 25 | — | 81.6% | ||
| Q3 25 | — | 81.0% | ||
| Q2 25 | — | 80.1% | ||
| Q1 25 | — | 80.6% | ||
| Q4 24 | — | 83.0% | ||
| Q3 24 | — | 83.7% | ||
| Q2 24 | — | 81.7% |
营业利润率LCPRGS
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | 15.2% | ||
| Q3 25 | 21.5% | 17.6% | ||
| Q2 25 | 21.7% | 16.3% | ||
| Q1 25 | 7.2% | 13.6% | ||
| Q4 24 | 5.1% | 10.0% | ||
| Q3 24 | 8.9% | 22.6% | ||
| Q2 24 | 10.4% | 15.5% |
净利率LCPRGS
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | 10.2% | ||
| Q3 25 | 16.6% | 7.8% | ||
| Q2 25 | 15.4% | 7.2% | ||
| Q1 25 | 5.4% | 4.6% | ||
| Q4 24 | — | 0.5% | ||
| Q3 24 | 7.2% | 15.9% | ||
| Q2 24 | 8.0% | 9.2% |
每股收益（稀释后）LCPRGS
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | $0.59 | ||
| Q3 25 | $0.37 | $0.44 | ||
| Q2 25 | $0.33 | $0.39 | ||
| Q1 25 | $0.10 | $0.24 | ||
| Q4 24 | $0.08 | $0.01 | ||
| Q3 24 | $0.13 | $0.65 | ||
| Q2 24 | $0.13 | $0.37 |
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 | — | $94.8M |
| 总债务越低越好 | — | $1.4B |
| 股东权益账面价值 | $1.5B | $478.3M |
| 总资产 | $11.9B | $2.5B |
| 负债/权益比越低杠杆越低 | — | 2.93× |
8季度趋势，按日历期对齐
现金及短期投资LCPRGS
| Q1 26 | — | — | ||
| Q4 25 | — | $94.8M | ||
| Q3 25 | — | $99.0M | ||
| Q2 25 | — | $102.0M | ||
| Q1 25 | — | $124.2M | ||
| Q4 24 | — | $118.1M | ||
| Q3 24 | — | $232.7M | ||
| Q2 24 | — | $190.4M |
总债务LCPRGS
| Q1 26 | — | — | ||
| Q4 25 | $0 | $1.4B | ||
| Q3 25 | $0 | $1.4B | ||
| Q2 25 | $0 | $1.5B | ||
| Q1 25 | $0 | $1.5B | ||
| Q4 24 | $0 | $1.5B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益LCPRGS
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | $478.3M | ||
| Q3 25 | $1.5B | $477.7M | ||
| Q2 25 | $1.4B | $452.7M | ||
| Q1 25 | $1.4B | $431.8M | ||
| Q4 24 | $1.3B | $438.8M | ||
| Q3 24 | $1.3B | $425.6M | ||
| Q2 24 | $1.3B | $401.7M |
总资产LCPRGS
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | $2.5B | ||
| Q3 25 | $11.1B | $2.4B | ||
| Q2 25 | $10.8B | $2.4B | ||
| Q1 25 | $10.5B | $2.5B | ||
| Q4 24 | $10.6B | $2.5B | ||
| Q3 24 | $11.0B | $1.6B | ||
| Q2 24 | $9.6B | $1.6B |
负债/权益比LCPRGS
| Q1 26 | — | — | ||
| Q4 25 | 0.00× | 2.93× | ||
| Q3 25 | 0.00× | 2.97× | ||
| Q2 25 | 0.00× | 3.22× | ||
| Q1 25 | 0.00× | 3.50× | ||
| Q4 24 | 0.00× | 3.48× | ||
| 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 | — | $62.8M |
| 自由现金流经营现金流 - 资本支出 | — | $59.9M |
| 自由现金流率自由现金流/营收 | — | 23.7% |
| 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 | — | 2.44× |
| 过去12个月自由现金流最近4个季度 | — | $229.5M |
8季度趋势，按日历期对齐
经营现金流LCPRGS
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | $62.8M | ||
| Q3 25 | $-770.8M | $73.4M | ||
| Q2 25 | $-713.1M | $30.0M | ||
| Q1 25 | $-339.3M | $68.9M | ||
| Q4 24 | $-2.6B | $19.7M | ||
| Q3 24 | $-669.8M | $57.7M | ||
| Q2 24 | $-932.5M | $63.7M |
自由现金流LCPRGS
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | $59.9M | ||
| Q3 25 | $-791.8M | $72.4M | ||
| Q2 25 | $-803.8M | $29.5M | ||
| Q1 25 | $-352.3M | $67.7M | ||
| Q4 24 | $-2.7B | $16.8M | ||
| Q3 24 | $-682.3M | $56.6M | ||
| Q2 24 | $-945.3M | $62.7M |
自由现金流率LCPRGS
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | 23.7% | ||
| Q3 25 | -297.4% | 29.0% | ||
| Q2 25 | -323.5% | 12.4% | ||
| Q1 25 | -161.8% | 28.4% | ||
| Q4 24 | -1237.8% | 7.8% | ||
| Q3 24 | -338.0% | 31.7% | ||
| Q2 24 | -504.9% | 35.8% |
资本支出强度LCPRGS
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | 1.1% | ||
| Q3 25 | 7.9% | 0.4% | ||
| Q2 25 | 36.5% | 0.2% | ||
| Q1 25 | 6.0% | 0.5% | ||
| Q4 24 | 25.0% | 1.3% | ||
| Q3 24 | 6.2% | 0.6% | ||
| Q2 24 | 6.9% | 0.5% |
现金转化率LCPRGS
| Q1 26 | — | — | ||
| Q4 25 | — | 2.44× | ||
| Q3 25 | -17.41× | 3.78× | ||
| Q2 25 | -18.68× | 1.76× | ||
| Q1 25 | -29.07× | 6.30× | ||
| Q4 24 | — | 17.13× | ||
| Q3 24 | -46.33× | 2.03× | ||
| Q2 24 | -62.57× | 3.93× |
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
PRGS
| Maintenanceand Services | $187.5M | 74% |
| Share File Acquisition | $67.5M | 27% |
