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LendingClub Corp（LC）与LiveRamp Holdings, Inc.（RAMP）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LiveRamp Holdings, Inc.的1.2倍（$252.3M vs $212.2M），LendingClub Corp净利率更高（20.5% vs 18.8%，领先1.7%），LendingClub Corp同比增速更快（15.9% vs 8.6%），过去两年LendingClub Corp的营收复合增速更高（16.1% vs 11.1%）
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。
LiveRamp Holdings, Inc.是一家美国SaaS企业，核心业务为提供数据连接平台，服务涵盖数据导入、线下数据线上迁移等能力，助力企业开展营销相关的数据应用，为品牌及营销从业者的数字化运营提供技术支撑。
LC vs RAMP — 直观对比
营收规模更大
LC
是对方的1.2倍
$212.2M
营收增速更快
LC
高出7.3%
8.6%
净利率更高
LC
高出1.7%
18.8%
两年增速更快
LC
近两年复合增速
11.1%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $252.3M | $212.2M |
| 净利润 | $51.6M | $39.9M |
| 毛利率 | — | 71.9% |
| 营业利润率 | — | 18.6% |
| 净利率 | 20.5% | 18.8% |
| 营收同比 | 15.9% | 8.6% |
| 净利润同比 | 341.0% | 255.7% |
| 每股收益（稀释后） | $0.44 | $0.62 |
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LCRAMP
| Q1 26 | $252.3M | — | ||
| Q4 25 | $266.5M | $212.2M | ||
| Q3 25 | $266.2M | $199.8M | ||
| Q2 25 | $248.4M | $194.8M | ||
| Q1 25 | $217.7M | $188.7M | ||
| Q4 24 | $217.2M | $195.4M | ||
| Q3 24 | $201.9M | $185.5M | ||
| Q2 24 | $187.2M | $176.0M |
净利润LCRAMP
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | $39.9M | ||
| Q3 25 | $44.3M | $27.4M | ||
| Q2 25 | $38.2M | $7.7M | ||
| Q1 25 | $11.7M | $-6.3M | ||
| Q4 24 | — | $11.2M | ||
| Q3 24 | $14.5M | $1.7M | ||
| Q2 24 | $14.9M | $-7.5M |
毛利率LCRAMP
| Q1 26 | — | — | ||
| Q4 25 | — | 71.9% | ||
| Q3 25 | — | 70.2% | ||
| Q2 25 | — | 70.1% | ||
| Q1 25 | — | 69.3% | ||
| Q4 24 | — | 71.9% | ||
| Q3 24 | — | 72.4% | ||
| Q2 24 | — | 70.6% |
营业利润率LCRAMP
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | 18.6% | ||
| Q3 25 | 21.5% | 10.7% | ||
| Q2 25 | 21.7% | 3.7% | ||
| Q1 25 | 7.2% | -6.1% | ||
| Q4 24 | 5.1% | 7.5% | ||
| Q3 24 | 8.9% | 4.0% | ||
| Q2 24 | 10.4% | -3.0% |
净利率LCRAMP
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | 18.8% | ||
| Q3 25 | 16.6% | 13.7% | ||
| Q2 25 | 15.4% | 4.0% | ||
| Q1 25 | 5.4% | -3.3% | ||
| Q4 24 | — | 5.7% | ||
| Q3 24 | 7.2% | 0.9% | ||
| Q2 24 | 8.0% | -4.3% |
每股收益（稀释后）LCRAMP
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | $0.62 | ||
| Q3 25 | $0.37 | $0.42 | ||
| Q2 25 | $0.33 | $0.12 | ||
| Q1 25 | $0.10 | $-0.10 | ||
| Q4 24 | $0.08 | $0.17 | ||
| Q3 24 | $0.13 | $0.03 | ||
| Q2 24 | $0.13 | $-0.11 |
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 | — | $403.4M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.5B | $962.3M |
| 总资产 | $11.9B | $1.3B |
| 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LCRAMP
| Q1 26 | — | — | ||
| Q4 25 | — | $403.4M | ||
| Q3 25 | — | $376.9M | ||
| Q2 25 | — | $371.1M | ||
| Q1 25 | — | $420.8M | ||
| Q4 24 | — | $384.3M | ||
| Q3 24 | — | $348.4M | ||
| Q2 24 | — | $342.7M |
总债务LCRAMP
| 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LCRAMP
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | $962.3M | ||
| Q3 25 | $1.5B | $943.8M | ||
| Q2 25 | $1.4B | $947.8M | ||
| Q1 25 | $1.4B | $948.9M | ||
| Q4 24 | $1.3B | $957.7M | ||
| Q3 24 | $1.3B | $932.1M | ||
| Q2 24 | $1.3B | $951.9M |
总资产LCRAMP
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | $1.3B | ||
| Q3 25 | $11.1B | $1.2B | ||
| Q2 25 | $10.8B | $1.2B | ||
| Q1 25 | $10.5B | $1.3B | ||
| Q4 24 | $10.6B | $1.3B | ||
| Q3 24 | $11.0B | $1.2B | ||
| Q2 24 | $9.6B | $1.2B |
负债/权益比LCRAMP
| 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 | — | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
