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LendingClub Corp（LC）与Ultragenyx Pharmaceutical Inc.（RARE）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Ultragenyx Pharmaceutical Inc.的1.2倍（$252.3M vs $207.3M），LendingClub Corp净利率更高（20.5% vs -62.0%，领先82.5%），Ultragenyx Pharmaceutical Inc.同比增速更快（25.9% vs 15.9%），过去两年Ultragenyx Pharmaceutical Inc.的营收复合增速更高（38.0% 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。
Ultragenyx Pharmaceutical Inc.是一家总部位于美国的生物制药企业，专注于研发罕见病和超罕见遗传病的创新治疗方案，这类疾病目前大多无获批疗法，存在大量未被满足的临床需求。公司覆盖生物制剂、小分子药物、基因疗法、反义寡核苷酸及mRNA等多种药物技术平台，研发管线涵盖骨骼、内分泌、代谢、肌肉及中枢神经系统疾病领域。
LC vs RARE — 直观对比
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $252.3M | $207.3M |
| 净利润 | $51.6M | $-128.6M |
| 毛利率 | — | — |
| 营业利润率 | — | -54.7% |
| 净利率 | 20.5% | -62.0% |
| 营收同比 | 15.9% | 25.9% |
| 净利润同比 | 341.0% | 3.5% |
| 每股收益（稀释后） | $0.44 | $-1.28 |
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
| Q1 26 | $252.3M | — | ||
| Q4 25 | $266.5M | $207.3M | ||
| Q3 25 | $266.2M | $159.9M | ||
| Q2 25 | $248.4M | $166.5M | ||
| Q1 25 | $217.7M | $139.3M | ||
| Q4 24 | $217.2M | $164.6M | ||
| Q3 24 | $201.9M | $139.5M | ||
| Q2 24 | $187.2M | $147.0M |
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | $-128.6M | ||
| Q3 25 | $44.3M | $-180.4M | ||
| Q2 25 | $38.2M | $-115.0M | ||
| Q1 25 | $11.7M | $-151.1M | ||
| Q4 24 | — | $-133.2M | ||
| Q3 24 | $14.5M | $-133.5M | ||
| Q2 24 | $14.9M | $-131.6M |
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | -54.7% | ||
| Q3 25 | 21.5% | -106.9% | ||
| Q2 25 | 21.7% | -64.8% | ||
| Q1 25 | 7.2% | -102.6% | ||
| Q4 24 | 5.1% | -74.3% | ||
| Q3 24 | 8.9% | -94.6% | ||
| Q2 24 | 10.4% | -79.1% |
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | -62.0% | ||
| Q3 25 | 16.6% | -112.8% | ||
| Q2 25 | 15.4% | -69.0% | ||
| Q1 25 | 5.4% | -108.5% | ||
| Q4 24 | — | -80.9% | ||
| Q3 24 | 7.2% | -95.7% | ||
| Q2 24 | 8.0% | -89.5% |
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | $-1.28 | ||
| Q3 25 | $0.37 | $-1.81 | ||
| Q2 25 | $0.33 | $-1.17 | ||
| Q1 25 | $0.10 | $-1.57 | ||
| Q4 24 | $0.08 | $-1.34 | ||
| Q3 24 | $0.13 | $-1.40 | ||
| Q2 24 | $0.13 | $-1.52 |
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 | — | $421.0M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.5B | $-80.0M |
| 总资产 | $11.9B | $1.5B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
| Q1 26 | — | — | ||
| Q4 25 | — | $421.0M | ||
| Q3 25 | — | $202.5M | ||
| Q2 25 | — | $176.3M | ||
| Q1 25 | — | $127.1M | ||
| Q4 24 | — | $174.0M | ||
| Q3 24 | — | $150.6M | ||
| Q2 24 | — | $480.7M |
| Q1 26 | — | — | ||
| Q4 25 | $0 | — | ||
| Q3 25 | $0 | — | ||
| Q2 25 | $0 | — | ||
| Q1 25 | $0 | — | ||
| Q4 24 | $0 | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | $-80.0M | ||
| Q3 25 | $1.5B | $9.2M | ||
| Q2 25 | $1.4B | $151.3M | ||
| Q1 25 | $1.4B | $144.2M | ||
| Q4 24 | $1.3B | $255.0M | ||
| Q3 24 | $1.3B | $346.8M | ||
| Q2 24 | $1.3B | $432.4M |
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | $1.5B | ||
| Q3 25 | $11.1B | $1.2B | ||
| Q2 25 | $10.8B | $1.3B | ||
| Q1 25 | $10.5B | $1.3B | ||
| Q4 24 | $10.6B | $1.5B | ||
| Q3 24 | $11.0B | $1.5B | ||
| Q2 24 | $9.6B | $1.6B |
| 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 | — | $-99.8M |
| 自由现金流经营现金流 - 资本支出 | — | $-100.8M |
| 自由现金流率自由现金流/营收 | — | -48.6% |
| 资本支出强度资本支出/营收 | — | 0.5% |
| 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 | — | $-472.0M |
8季度趋势，按日历期对齐
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | $-99.8M | ||
| Q3 25 | $-770.8M | $-91.4M | ||
| Q2 25 | $-713.1M | $-108.3M | ||
| Q1 25 | $-339.3M | $-166.5M | ||
| Q4 24 | $-2.6B | $-79.3M | ||
| Q3 24 | $-669.8M | $-67.0M | ||
| Q2 24 | $-932.5M | $-77.0M |
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | $-100.8M | ||
| Q3 25 | $-791.8M | $-92.7M | ||
| Q2 25 | $-803.8M | $-110.7M | ||
| Q1 25 | $-352.3M | $-167.8M | ||
| Q4 24 | $-2.7B | $-79.5M | ||
| Q3 24 | $-682.3M | $-68.6M | ||
| Q2 24 | $-945.3M | $-79.0M |
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | -48.6% | ||
| Q3 25 | -297.4% | -58.0% | ||
| Q2 25 | -323.5% | -66.5% | ||
| Q1 25 | -161.8% | -120.5% | ||
| Q4 24 | -1237.8% | -48.3% | ||
| Q3 24 | -338.0% | -49.2% | ||
| Q2 24 | -504.9% | -53.7% |
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | 0.5% | ||
| Q3 25 | 7.9% | 0.8% | ||
| Q2 25 | 36.5% | 1.5% | ||
| Q1 25 | 6.0% | 1.0% | ||
| Q4 24 | 25.0% | 0.1% | ||
| Q3 24 | 6.2% | 1.2% | ||
| Q2 24 | 6.9% | 1.4% |
| 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× | — |
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
RARE
| Royalty | $105.6M | 51% |
| Products | $101.7M | 49% |
