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LendingClub Corp（LC）与Ribbon Communications Inc.（RBBN）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Ribbon Communications Inc.的1.6倍（$252.3M vs $162.6M），Ribbon Communications Inc.净利率更高（54.8% vs 20.5%，领先34.3%），LendingClub Corp同比增速更快（15.9% vs -10.3%），过去两年LendingClub Corp的营收复合增速更高（16.1% vs -8.1%）
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。
睿宾通信公司（Ribbon Communications Inc.）主要为电信运营商、企业及关键基础设施领域提供软件、IP与光网络解决方案。公司于2017年由Genband与Sonus Networks合并成立，总部位于美国得克萨斯州普莱诺，是一家上市科技企业。
LC vs RBBN — 直观对比
营收规模更大
LC
是对方的1.6倍
$162.6M
营收增速更快
LC
高出26.2%
-10.3%
净利率更高
RBBN
高出34.3%
20.5%
两年增速更快
LC
近两年复合增速
-8.1%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $252.3M | $162.6M |
| 净利润 | $51.6M | $89.1M |
| 毛利率 | — | 42.9% |
| 营业利润率 | — | 37.6% |
| 净利率 | 20.5% | 54.8% |
| 营收同比 | 15.9% | -10.3% |
| 净利润同比 | 341.0% | — |
| 每股收益（稀释后） | $0.44 | $0.50 |
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LCRBBN
| Q1 26 | $252.3M | $162.6M | ||
| Q4 25 | $266.5M | $227.3M | ||
| Q3 25 | $266.2M | $215.4M | ||
| Q2 25 | $248.4M | $220.6M | ||
| Q1 25 | $217.7M | $181.3M | ||
| Q4 24 | $217.2M | $251.4M | ||
| Q3 24 | $201.9M | $210.2M | ||
| Q2 24 | $187.2M | $192.6M |
净利润LCRBBN
| Q1 26 | $51.6M | $89.1M | ||
| Q4 25 | — | — | ||
| Q3 25 | $44.3M | $-12.1M | ||
| Q2 25 | $38.2M | $-11.1M | ||
| Q1 25 | $11.7M | $-26.2M | ||
| Q4 24 | — | — | ||
| Q3 24 | $14.5M | $-13.4M | ||
| Q2 24 | $14.9M | $-16.8M |
毛利率LCRBBN
| Q1 26 | — | 42.9% | ||
| Q4 25 | — | 53.3% | ||
| Q3 25 | — | 50.1% | ||
| Q2 25 | — | 49.6% | ||
| Q1 25 | — | 45.4% | ||
| Q4 24 | — | 55.7% | ||
| Q3 24 | — | 52.1% | ||
| Q2 24 | — | 50.8% |
营业利润率LCRBBN
| Q1 26 | — | 37.6% | ||
| Q4 25 | 18.8% | 4.1% | ||
| Q3 25 | 21.5% | 1.3% | ||
| Q2 25 | 21.7% | 1.9% | ||
| Q1 25 | 7.2% | -10.8% | ||
| Q4 24 | 5.1% | 13.2% | ||
| Q3 24 | 8.9% | -0.4% | ||
| Q2 24 | 10.4% | -1.0% |
净利率LCRBBN
| Q1 26 | 20.5% | 54.8% | ||
| Q4 25 | — | — | ||
| Q3 25 | 16.6% | -5.6% | ||
| Q2 25 | 15.4% | -5.0% | ||
| Q1 25 | 5.4% | -14.5% | ||
| Q4 24 | — | — | ||
| Q3 24 | 7.2% | -6.4% | ||
| Q2 24 | 8.0% | -8.7% |
每股收益（稀释后）LCRBBN
| Q1 26 | $0.44 | $0.50 | ||
| Q4 25 | $0.36 | $0.50 | ||
| Q3 25 | $0.37 | $-0.07 | ||
| Q2 25 | $0.33 | $-0.06 | ||
| Q1 25 | $0.10 | $-0.15 | ||
| Q4 24 | $0.08 | $0.05 | ||
| Q3 24 | $0.13 | $-0.08 | ||
| Q2 24 | $0.13 | $-0.10 |
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 | — | $67.6M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.5B | $419.1M |
| 总资产 | $11.9B | — |
| 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LCRBBN
| Q1 26 | — | $67.6M | ||
| Q4 25 | — | $96.4M | ||
| Q3 25 | — | $74.8M | ||
| Q2 25 | — | $60.5M | ||
| Q1 25 | — | $71.2M | ||
| Q4 24 | — | $87.8M | ||
| Q3 24 | — | $37.2M | ||
| Q2 24 | — | $64.6M |
总债务LCRBBN
| Q1 26 | — | — | ||
| Q4 25 | $0 | $342.1M | ||
| Q3 25 | $0 | $344.3M | ||
| Q2 25 | $0 | $346.5M | ||
| Q1 25 | $0 | $347.4M | ||
| Q4 24 | $0 | $348.3M | ||
| Q3 24 | — | $349.1M | ||
| Q2 24 | — | $350.0M |
股东权益LCRBBN
| Q1 26 | $1.5B | $419.1M | ||
| Q4 25 | $1.5B | $449.0M | ||
| Q3 25 | $1.5B | $360.1M | ||
| Q2 25 | $1.4B | $370.4M | ||
| Q1 25 | $1.4B | $381.8M | ||
| Q4 24 | $1.3B | $404.6M | ||
| Q3 24 | $1.3B | $395.5M | ||
| Q2 24 | $1.3B | $405.0M |
总资产LCRBBN
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | $1.2B | ||
| Q3 25 | $11.1B | $1.1B | ||
| Q2 25 | $10.8B | $1.1B | ||
| Q1 25 | $10.5B | $1.1B | ||
| Q4 24 | $10.6B | $1.2B | ||
| Q3 24 | $11.0B | $1.1B | ||
| Q2 24 | $9.6B | $1.1B |
负债/权益比LCRBBN
| Q1 26 | — | — | ||
| Q4 25 | 0.00× | 0.76× | ||
| Q3 25 | 0.00× | 0.96× | ||
| Q2 25 | 0.00× | 0.94× | ||
| Q1 25 | 0.00× | 0.91× | ||
| Q4 24 | 0.00× | 0.86× | ||
| Q3 24 | — | 0.88× | ||
| Q2 24 | — | 0.86× |
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
RBBN
| Service | $94.5M | 58% |
| Product | $68.1M | 42% |
