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LendingClub Corp（LC）与Purple Innovation, Inc.（PRPL）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Purple Innovation, Inc.的1.8倍（$252.3M vs $140.7M），LendingClub Corp净利率更高（20.5% vs -2.3%，领先22.7%），LendingClub Corp同比增速更快（15.9% vs 9.1%），过去两年LendingClub Corp的营收复合增速更高（16.1% vs 8.3%）
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。
Purple Carrot是一家总部位于马萨诸塞州尼达姆市的全植物性餐包品牌，由安迪·莱维特创立，每周为订阅用户提供预制餐品和自制餐包。据《大都会》2022年报道，对比美式标准餐食，该品牌每份餐包的碳排放量可降低72%，主打低碳环保的纯植物饮食方案。
LC vs PRPL — 直观对比
营收规模更大
LC
是对方的1.8倍
$140.7M
营收增速更快
LC
高出6.8%
9.1%
净利率更高
LC
高出22.7%
-2.3%
两年增速更快
LC
近两年复合增速
8.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $252.3M | $140.7M |
| 净利润 | $51.6M | $-3.2M |
| 毛利率 | — | 41.9% |
| 营业利润率 | — | -1.6% |
| 净利率 | 20.5% | -2.3% |
| 营收同比 | 15.9% | 9.1% |
| 净利润同比 | 341.0% | 62.1% |
| 每股收益（稀释后） | $0.44 | $0.03 |
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LCPRPL
| Q1 26 | $252.3M | — | ||
| Q4 25 | $266.5M | $140.7M | ||
| Q3 25 | $266.2M | $118.8M | ||
| Q2 25 | $248.4M | $105.1M | ||
| Q1 25 | $217.7M | $104.2M | ||
| Q4 24 | $217.2M | $129.0M | ||
| Q3 24 | $201.9M | $118.6M | ||
| Q2 24 | $187.2M | $120.3M |
净利润LCPRPL
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | $-3.2M | ||
| Q3 25 | $44.3M | $-11.7M | ||
| Q2 25 | $38.2M | $-17.3M | ||
| Q1 25 | $11.7M | $-19.1M | ||
| Q4 24 | — | $-8.5M | ||
| Q3 24 | $14.5M | $-39.2M | ||
| Q2 24 | $14.9M | $27.0K |
毛利率LCPRPL
| Q1 26 | — | — | ||
| Q4 25 | — | 41.9% | ||
| Q3 25 | — | 42.8% | ||
| Q2 25 | — | 35.9% | ||
| Q1 25 | — | 39.4% | ||
| Q4 24 | — | 42.9% | ||
| Q3 24 | — | 29.7% | ||
| Q2 24 | — | 40.7% |
营业利润率LCPRPL
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | -1.6% | ||
| Q3 25 | 21.5% | -10.2% | ||
| Q2 25 | 21.7% | -13.5% | ||
| Q1 25 | 7.2% | -13.9% | ||
| Q4 24 | 5.1% | -6.0% | ||
| Q3 24 | 8.9% | -39.5% | ||
| Q2 24 | 10.4% | -12.1% |
净利率LCPRPL
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | -2.3% | ||
| Q3 25 | 16.6% | -9.9% | ||
| Q2 25 | 15.4% | -16.5% | ||
| Q1 25 | 5.4% | -18.4% | ||
| Q4 24 | — | -6.6% | ||
| Q3 24 | 7.2% | -33.1% | ||
| Q2 24 | 8.0% | 0.0% |
每股收益（稀释后）LCPRPL
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | $0.03 | ||
| Q3 25 | $0.37 | $0.11 | ||
| Q2 25 | $0.33 | $0.16 | ||
| Q1 25 | $0.10 | $0.18 | ||
| Q4 24 | $0.08 | $0.08 | ||
| Q3 24 | $0.13 | $0.36 | ||
| Q2 24 | $0.13 | $0.00 |
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 | — | $24.3M |
| 总债务越低越好 | — | $126.7M |
| 股东权益账面价值 | $1.5B | $-29.7M |
| 总资产 | $11.9B | $296.3M |
| 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LCPRPL
| Q1 26 | — | — | ||
| Q4 25 | — | $24.3M | ||
| Q3 25 | — | $32.4M | ||
| Q2 25 | — | $34.2M | ||
| Q1 25 | — | $21.6M | ||
| Q4 24 | — | $29.0M | ||
| Q3 24 | — | $23.4M | ||
| Q2 24 | — | $23.4M |
总债务LCPRPL
| Q1 26 | — | — | ||
| Q4 25 | $0 | $126.7M | ||
| Q3 25 | $0 | — | ||
| Q2 25 | $0 | — | ||
| Q1 25 | $0 | — | ||
| Q4 24 | $0 | $70.7M | ||
| Q3 24 | — | $50.8M | ||
| Q2 24 | — | — |
股东权益LCPRPL
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | $-29.7M | ||
| Q3 25 | $1.5B | $-26.9M | ||
| Q2 25 | $1.4B | $-15.6M | ||
| Q1 25 | $1.4B | $1.3M | ||
| Q4 24 | $1.3B | $20.2M | ||
| Q3 24 | $1.3B | $28.0M | ||
| Q2 24 | $1.3B | $66.4M |
总资产LCPRPL
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | $296.3M | ||
| Q3 25 | $11.1B | $302.1M | ||
| Q2 25 | $10.8B | $303.8M | ||
| Q1 25 | $10.5B | $293.8M | ||
| Q4 24 | $10.6B | $307.8M | ||
| Q3 24 | $11.0B | $309.3M | ||
| Q2 24 | $9.6B | $362.1M |
负债/权益比LCPRPL
| Q1 26 | — | — | ||
| Q4 25 | 0.00× | — | ||
| Q3 25 | 0.00× | — | ||
| Q2 25 | 0.00× | — | ||
| Q1 25 | 0.00× | — | ||
| Q4 24 | 0.00× | 3.50× | ||
| Q3 24 | — | 1.82× | ||
| 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 | — | $-5.8M |
| 自由现金流经营现金流 - 资本支出 | — | $-7.8M |
| 自由现金流率自由现金流/营收 | — | -5.5% |
| 资本支出强度资本支出/营收 | — | 1.4% |
| 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 | — | $-41.9M |
8季度趋势，按日历期对齐
经营现金流LCPRPL
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | $-5.8M | ||
| Q3 25 | $-770.8M | $-968.0K | ||
| Q2 25 | $-713.1M | $-4.0M | ||
| Q1 25 | $-339.3M | $-23.1M | ||
| Q4 24 | $-2.6B | $6.8M | ||
| Q3 24 | $-669.8M | $1.1M | ||
| Q2 24 | $-932.5M | $-8.9M |
自由现金流LCPRPL
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | $-7.8M | ||
| Q3 25 | $-791.8M | $-1.8M | ||
| Q2 25 | $-803.8M | $-7.0M | ||
| Q1 25 | $-352.3M | $-25.3M | ||
| Q4 24 | $-2.7B | $5.7M | ||
| Q3 24 | $-682.3M | $101.0K | ||
| Q2 24 | $-945.3M | $-11.0M |
自由现金流率LCPRPL
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | -5.5% | ||
| Q3 25 | -297.4% | -1.5% | ||
| Q2 25 | -323.5% | -6.6% | ||
| Q1 25 | -161.8% | -24.3% | ||
| Q4 24 | -1237.8% | 4.4% | ||
| Q3 24 | -338.0% | 0.1% | ||
| Q2 24 | -504.9% | -9.2% |
资本支出强度LCPRPL
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | 1.4% | ||
| Q3 25 | 7.9% | 0.7% | ||
| Q2 25 | 36.5% | 2.8% | ||
| Q1 25 | 6.0% | 2.2% | ||
| Q4 24 | 25.0% | 0.8% | ||
| Q3 24 | 6.2% | 0.9% | ||
| Q2 24 | 6.9% | 1.7% |
现金转化率LCPRPL
| 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× | -330.22× |
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
PRPL
| Cost Of Revenues | $81.7M | 58% |
| Other | $59.0M | 42% |
