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LendingClub Corp（LC）与Regency Centers（REG）财务数据对比。点击上方公司名可切换其他公司
Regency Centers的季度营收约是LendingClub Corp的1.6倍（$404.2M vs $252.3M），Regency Centers净利率更高（50.1% vs 20.5%，领先29.6%），LendingClub Corp同比增速更快（15.9% vs 8.5%），过去两年LendingClub Corp的营收复合增速更高（16.1% vs 5.4%）
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。
Regency Centers是总部位于美国佛罗里达州杰克逊维尔的房地产投资信托基金，也是以超市为核心租户的大型购物中心运营商之一。截至2020年10月21日，公司共持有415处物业，总建筑面积达5600万平方英尺，知名资产包括Serramonte Center及Village District 30%的股权。
LC vs REG — 直观对比
营收规模更大
REG
是对方的1.6倍
$252.3M
营收增速更快
LC
高出7.4%
8.5%
净利率更高
REG
高出29.6%
20.5%
两年增速更快
LC
近两年复合增速
5.4%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $252.3M | $404.2M |
| 净利润 | $51.6M | $202.5M |
| 毛利率 | — | — |
| 营业利润率 | — | 71.0% |
| 净利率 | 20.5% | 50.1% |
| 营收同比 | 15.9% | 8.5% |
| 净利润同比 | 341.0% | 134.1% |
| 每股收益（稀释后） | $0.44 | — |
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LCREG
| Q1 26 | $252.3M | — | ||
| Q4 25 | $266.5M | $404.2M | ||
| Q3 25 | $266.2M | $387.6M | ||
| Q2 25 | $248.4M | $380.8M | ||
| Q1 25 | $217.7M | $380.9M | ||
| Q4 24 | $217.2M | $372.5M | ||
| Q3 24 | $201.9M | $360.3M | ||
| Q2 24 | $187.2M | $357.3M |
净利润LCREG
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | $202.5M | ||
| Q3 25 | $44.3M | $109.4M | ||
| Q2 25 | $38.2M | $106.0M | ||
| Q1 25 | $11.7M | $109.6M | ||
| Q4 24 | — | $86.5M | ||
| Q3 24 | $14.5M | $101.5M | ||
| Q2 24 | $14.9M | $102.7M |
营业利润率LCREG
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | 71.0% | ||
| Q3 25 | 21.5% | 72.7% | ||
| Q2 25 | 21.7% | 73.8% | ||
| Q1 25 | 7.2% | 71.8% | ||
| Q4 24 | 5.1% | 71.1% | ||
| Q3 24 | 8.9% | 72.5% | ||
| Q2 24 | 10.4% | 72.3% |
净利率LCREG
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | 50.1% | ||
| Q3 25 | 16.6% | 28.2% | ||
| Q2 25 | 15.4% | 27.8% | ||
| Q1 25 | 5.4% | 28.8% | ||
| Q4 24 | — | 23.2% | ||
| Q3 24 | 7.2% | 28.2% | ||
| Q2 24 | 8.0% | 28.7% |
每股收益（稀释后）LCREG
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | — | ||
| Q3 25 | $0.37 | — | ||
| Q2 25 | $0.33 | — | ||
| Q1 25 | $0.10 | — | ||
| Q4 24 | $0.08 | — | ||
| Q3 24 | $0.13 | — | ||
| Q2 24 | $0.13 | — |
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 | — | — |
| 总债务越低越好 | — | $4.7B |
| 股东权益账面价值 | $1.5B | $6.9B |
| 总资产 | $11.9B | $13.0B |
| 负债/权益比越低杠杆越低 | — | 0.69× |
8季度趋势，按日历期对齐
总债务LCREG
| Q1 26 | — | — | ||
| Q4 25 | $0 | $4.7B | ||
| Q3 25 | $0 | $4.9B | ||
| Q2 25 | $0 | $4.8B | ||
| Q1 25 | $0 | $4.6B | ||
| Q4 24 | $0 | $4.4B | ||
| Q3 24 | — | $4.4B | ||
| Q2 24 | — | $4.4B |
股东权益LCREG
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | $6.9B | ||
| Q3 25 | $1.5B | $6.8B | ||
| Q2 25 | $1.4B | $6.7B | ||
| Q1 25 | $1.4B | $6.7B | ||
| Q4 24 | $1.3B | $6.7B | ||
| Q3 24 | $1.3B | $6.8B | ||
| Q2 24 | $1.3B | $6.8B |
总资产LCREG
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | $13.0B | ||
| Q3 25 | $11.1B | $13.1B | ||
| Q2 25 | $10.8B | $12.7B | ||
| Q1 25 | $10.5B | $12.6B | ||
| Q4 24 | $10.6B | $12.4B | ||
| Q3 24 | $11.0B | $12.4B | ||
| Q2 24 | $9.6B | $12.4B |
负债/权益比LCREG
| Q1 26 | — | — | ||
| Q4 25 | 0.00× | 0.69× | ||
| Q3 25 | 0.00× | 0.72× | ||
| Q2 25 | 0.00× | 0.72× | ||
| Q1 25 | 0.00× | 0.69× | ||
| Q4 24 | 0.00× | 0.66× | ||
| Q3 24 | — | 0.65× | ||
| Q2 24 | — | 0.64× |
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 | — | $203.9M |
| 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 | — | 1.01× |
| 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LCREG
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | $203.9M | ||
| Q3 25 | $-770.8M | $218.7M | ||
| Q2 25 | $-713.1M | $244.0M | ||
| Q1 25 | $-339.3M | $161.0M | ||
| Q4 24 | $-2.6B | $191.4M | ||
| Q3 24 | $-669.8M | $227.6M | ||
| Q2 24 | $-932.5M | $203.5M |
自由现金流LCREG
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | — | ||
| Q3 25 | $-791.8M | — | ||
| Q2 25 | $-803.8M | — | ||
| Q1 25 | $-352.3M | — | ||
| Q4 24 | $-2.7B | — | ||
| Q3 24 | $-682.3M | — | ||
| Q2 24 | $-945.3M | — |
自由现金流率LCREG
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | — | ||
| Q3 25 | -297.4% | — | ||
| Q2 25 | -323.5% | — | ||
| Q1 25 | -161.8% | — | ||
| Q4 24 | -1237.8% | — | ||
| Q3 24 | -338.0% | — | ||
| Q2 24 | -504.9% | — |
资本支出强度LCREG
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | — | ||
| Q3 25 | 7.9% | — | ||
| Q2 25 | 36.5% | — | ||
| Q1 25 | 6.0% | — | ||
| Q4 24 | 25.0% | — | ||
| Q3 24 | 6.2% | — | ||
| Q2 24 | 6.9% | — |
现金转化率LCREG
| Q1 26 | — | — | ||
| Q4 25 | — | 1.01× | ||
| Q3 25 | -17.41× | 2.00× | ||
| Q2 25 | -18.68× | 2.30× | ||
| Q1 25 | -29.07× | 1.47× | ||
| Q4 24 | — | 2.21× | ||
| Q3 24 | -46.33× | 2.24× | ||
| Q2 24 | -62.57× | 1.98× |
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
REG
| Shopping Centers | $418.0M | 103% |
| Propertymanagementservices | $4.1M | 1% |
| Assetmanagementservices | $1.7M | 0% |
