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LendingClub Corp（LC）与Proto Labs Inc（PRLB）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Proto Labs Inc的1.8倍（$252.3M vs $139.3M），LendingClub Corp净利率更高（20.5% vs 5.8%，领先14.6%），LendingClub Corp同比增速更快（15.9% vs 10.4%），过去两年LendingClub Corp的营收复合增速更高（16.1% vs 5.3%）
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。
Proto Labs是一家提供快速制造服务的企业，可通过3D打印、CNC加工、钣金加工以及注塑成型工艺，为客户生产用于原型制作和量产的定制零部件，产品广泛应用于医疗设备、航空航天、电子、家电、汽车、消费品等多个领域，公司总部位于美国明尼苏达州，在美国多地设有生产基地。
LC vs PRLB — 直观对比
营收规模更大
LC
是对方的1.8倍
$139.3M
营收增速更快
LC
高出5.5%
10.4%
净利率更高
LC
高出14.6%
5.8%
两年增速更快
LC
近两年复合增速
5.3%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $252.3M | $139.3M |
| 净利润 | $51.6M | $8.1M |
| 毛利率 | — | 45.6% |
| 营业利润率 | — | 7.1% |
| 净利率 | 20.5% | 5.8% |
| 营收同比 | 15.9% | 10.4% |
| 净利润同比 | 341.0% | 125.4% |
| 每股收益（稀释后） | $0.44 | $0.29 |
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LCPRLB
| Q1 26 | $252.3M | $139.3M | ||
| Q4 25 | $266.5M | $136.5M | ||
| Q3 25 | $266.2M | $135.4M | ||
| Q2 25 | $248.4M | $135.1M | ||
| Q1 25 | $217.7M | $126.2M | ||
| Q4 24 | $217.2M | $121.8M | ||
| Q3 24 | $201.9M | $125.6M | ||
| Q2 24 | $187.2M | $125.6M |
净利润LCPRLB
| Q1 26 | $51.6M | $8.1M | ||
| Q4 25 | — | — | ||
| Q3 25 | $44.3M | $7.2M | ||
| Q2 25 | $38.2M | $4.4M | ||
| Q1 25 | $11.7M | $3.6M | ||
| Q4 24 | — | — | ||
| Q3 24 | $14.5M | $7.2M | ||
| Q2 24 | $14.9M | $4.5M |
毛利率LCPRLB
| Q1 26 | — | 45.6% | ||
| Q4 25 | — | 44.2% | ||
| Q3 25 | — | 45.3% | ||
| Q2 25 | — | 44.3% | ||
| Q1 25 | — | 44.1% | ||
| Q4 24 | — | 42.7% | ||
| Q3 24 | — | 45.6% | ||
| Q2 24 | — | 45.0% |
营业利润率LCPRLB
| Q1 26 | — | 7.1% | ||
| Q4 25 | 18.8% | 5.0% | ||
| Q3 25 | 21.5% | 6.5% | ||
| Q2 25 | 21.7% | 3.7% | ||
| Q1 25 | 7.2% | 3.6% | ||
| Q4 24 | 5.1% | -1.2% | ||
| Q3 24 | 8.9% | 6.8% | ||
| Q2 24 | 10.4% | 4.8% |
净利率LCPRLB
| Q1 26 | 20.5% | 5.8% | ||
| Q4 25 | — | — | ||
| Q3 25 | 16.6% | 5.3% | ||
| Q2 25 | 15.4% | 3.3% | ||
| Q1 25 | 5.4% | 2.9% | ||
| Q4 24 | — | — | ||
| Q3 24 | 7.2% | 5.7% | ||
| Q2 24 | 8.0% | 3.6% |
每股收益（稀释后）LCPRLB
| Q1 26 | $0.44 | $0.29 | ||
| Q4 25 | $0.36 | $0.25 | ||
| Q3 25 | $0.37 | $0.30 | ||
| Q2 25 | $0.33 | $0.18 | ||
| Q1 25 | $0.10 | $0.15 | ||
| Q4 24 | $0.08 | $-0.01 | ||
| Q3 24 | $0.13 | $0.29 | ||
| Q2 24 | $0.13 | $0.18 |
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 | — | $124.0M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.5B | $683.1M |
| 总资产 | $11.9B | $778.6M |
| 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LCPRLB
| Q1 26 | — | $124.0M | ||
| Q4 25 | — | $128.1M | ||
| Q3 25 | — | $119.2M | ||
| Q2 25 | — | $103.2M | ||
| Q1 25 | — | $96.8M | ||
| Q4 24 | — | $103.1M | ||
| Q3 24 | — | $100.5M | ||
| Q2 24 | — | $112.9M |
总债务LCPRLB
| 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LCPRLB
| Q1 26 | $1.5B | $683.1M | ||
| Q4 25 | $1.5B | $673.9M | ||
| Q3 25 | $1.5B | $664.7M | ||
| Q2 25 | $1.4B | $664.7M | ||
| Q1 25 | $1.4B | $656.8M | ||
| Q4 24 | $1.3B | $670.2M | ||
| Q3 24 | $1.3B | $680.0M | ||
| Q2 24 | $1.3B | $685.2M |
总资产LCPRLB
| Q1 26 | $11.9B | $778.6M | ||
| Q4 25 | $11.6B | $763.4M | ||
| Q3 25 | $11.1B | $756.9M | ||
| Q2 25 | $10.8B | $743.3M | ||
| Q1 25 | $10.5B | $737.5M | ||
| Q4 24 | $10.6B | $743.5M | ||
| Q3 24 | $11.0B | $753.8M | ||
| Q2 24 | $9.6B | $758.2M |
负债/权益比LCPRLB
| 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 | — | $17.5M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | — | 2.16× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流LCPRLB
| Q1 26 | — | $17.5M | ||
| Q4 25 | $-2.7B | $16.5M | ||
| Q3 25 | $-770.8M | $29.1M | ||
| Q2 25 | $-713.1M | $10.6M | ||
| Q1 25 | $-339.3M | $18.4M | ||
| Q4 24 | $-2.6B | $17.3M | ||
| Q3 24 | $-669.8M | $24.8M | ||
| Q2 24 | $-932.5M | $14.4M |
自由现金流LCPRLB
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | $8.4M | ||
| Q3 25 | $-791.8M | $25.0M | ||
| Q2 25 | $-803.8M | $9.1M | ||
| Q1 25 | $-352.3M | $17.1M | ||
| Q4 24 | $-2.7B | $16.5M | ||
| Q3 24 | $-682.3M | $23.2M | ||
| Q2 24 | $-945.3M | $10.2M |
自由现金流率LCPRLB
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | 6.2% | ||
| Q3 25 | -297.4% | 18.5% | ||
| Q2 25 | -323.5% | 6.7% | ||
| Q1 25 | -161.8% | 13.6% | ||
| Q4 24 | -1237.8% | 13.5% | ||
| Q3 24 | -338.0% | 18.5% | ||
| Q2 24 | -504.9% | 8.2% |
资本支出强度LCPRLB
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | 5.9% | ||
| Q3 25 | 7.9% | 3.0% | ||
| Q2 25 | 36.5% | 1.1% | ||
| Q1 25 | 6.0% | 1.0% | ||
| Q4 24 | 25.0% | 0.7% | ||
| Q3 24 | 6.2% | 1.2% | ||
| Q2 24 | 6.9% | 3.3% |
现金转化率LCPRLB
| Q1 26 | — | 2.16× | ||
| Q4 25 | — | — | ||
| Q3 25 | -17.41× | 4.03× | ||
| Q2 25 | -18.68× | 2.39× | ||
| Q1 25 | -29.07× | 5.11× | ||
| Q4 24 | — | — | ||
| Q3 24 | -46.33× | 3.44× | ||
| Q2 24 | -62.57× | 3.18× |
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
PRLB
| CNC Machining | $63.2M | 45% |
| Injection Molding | $51.1M | 37% |
| 3D Printing | $20.5M | 15% |
| Sheet Metal | $4.4M | 3% |
| Other Revenue | $207.0K | 0% |
