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LendingClub Corp（LC）与RPC INC（RES）财务数据对比。点击上方公司名可切换其他公司
RPC INC的季度营收约是LendingClub Corp的1.7倍（$425.8M vs $252.3M），LendingClub Corp净利率更高（20.5% vs -0.7%，领先21.2%），RPC INC同比增速更快（27.0% vs 15.9%），过去两年LendingClub Corp的营收复合增速更高（16.1% vs 6.2%）
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。
RPC集团是总部位于英国的企业，曾是欧洲规模最大的塑料包装供应商之一，总部坐落于北安普敦郡的拉什登。该公司此前在伦敦证券交易所上市，2019年被贝瑞全球集团收购，贝瑞全球集团又于2025年被安海斯包装收购。
LC vs RES — 直观对比
营收规模更大
RES
是对方的1.7倍
$252.3M
营收增速更快
RES
高出11.1%
15.9%
净利率更高
LC
高出21.2%
-0.7%
两年增速更快
LC
近两年复合增速
6.2%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $252.3M | $425.8M |
| 净利润 | $51.6M | $-3.1M |
| 毛利率 | — | 21.0% |
| 营业利润率 | — | -0.9% |
| 净利率 | 20.5% | -0.7% |
| 营收同比 | 15.9% | 27.0% |
| 净利润同比 | 341.0% | -124.0% |
| 每股收益（稀释后） | $0.44 | $-0.02 |
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LCRES
| Q1 26 | $252.3M | — | ||
| Q4 25 | $266.5M | $425.8M | ||
| Q3 25 | $266.2M | $447.1M | ||
| Q2 25 | $248.4M | $420.8M | ||
| Q1 25 | $217.7M | $332.9M | ||
| Q4 24 | $217.2M | $335.4M | ||
| Q3 24 | $201.9M | $337.7M | ||
| Q2 24 | $187.2M | $364.2M |
净利润LCRES
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | $-3.1M | ||
| Q3 25 | $44.3M | $13.0M | ||
| Q2 25 | $38.2M | $10.1M | ||
| Q1 25 | $11.7M | $12.0M | ||
| Q4 24 | — | $12.8M | ||
| Q3 24 | $14.5M | $18.8M | ||
| Q2 24 | $14.9M | $32.4M |
毛利率LCRES
| Q1 26 | — | — | ||
| Q4 25 | — | 21.0% | ||
| Q3 25 | — | 25.1% | ||
| Q2 25 | — | 24.5% | ||
| Q1 25 | — | 26.7% | ||
| Q4 24 | — | 25.4% | ||
| Q3 24 | — | 26.7% | ||
| Q2 24 | — | 28.0% |
营业利润率LCRES
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | -0.9% | ||
| Q3 25 | 21.5% | 4.7% | ||
| Q2 25 | 21.7% | 3.7% | ||
| Q1 25 | 7.2% | 3.7% | ||
| Q4 24 | 5.1% | 3.1% | ||
| Q3 24 | 8.9% | 5.7% | ||
| Q2 24 | 10.4% | 9.7% |
净利率LCRES
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | -0.7% | ||
| Q3 25 | 16.6% | 2.9% | ||
| Q2 25 | 15.4% | 2.4% | ||
| Q1 25 | 5.4% | 3.6% | ||
| Q4 24 | — | 3.8% | ||
| Q3 24 | 7.2% | 5.6% | ||
| Q2 24 | 8.0% | 8.9% |
每股收益（稀释后）LCRES
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | $-0.02 | ||
| Q3 25 | $0.37 | $0.06 | ||
| Q2 25 | $0.33 | $0.05 | ||
| Q1 25 | $0.10 | $0.06 | ||
| Q4 24 | $0.08 | $0.06 | ||
| Q3 24 | $0.13 | $0.09 | ||
| Q2 24 | $0.13 | $0.15 |
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 | — | $210.0M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.5B | $1.1B |
| 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
现金及短期投资LCRES
| Q1 26 | — | — | ||
| Q4 25 | — | $210.0M | ||
| Q3 25 | — | $163.5M | ||
| Q2 25 | — | $162.1M | ||
| Q1 25 | — | $326.7M | ||
| Q4 24 | — | $326.0M | ||
| Q3 24 | — | $276.9M | ||
| Q2 24 | — | $261.5M |
总债务LCRES
| 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LCRES
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | $1.1B | ||
| Q3 25 | $1.5B | $1.1B | ||
| Q2 25 | $1.4B | $1.1B | ||
| Q1 25 | $1.4B | $1.1B | ||
| Q4 24 | $1.3B | $1.1B | ||
| Q3 24 | $1.3B | $1.1B | ||
| Q2 24 | $1.3B | $1.1B |
总资产LCRES
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | $1.5B | ||
| Q3 25 | $11.1B | $1.5B | ||
| Q2 25 | $10.8B | $1.5B | ||
| Q1 25 | $10.5B | $1.3B | ||
| Q4 24 | $10.6B | $1.4B | ||
| Q3 24 | $11.0B | $1.3B | ||
| Q2 24 | $9.6B | $1.3B |
负债/权益比LCRES
| 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 | — | $61.9M |
| 自由现金流经营现金流 - 资本支出 | — | $31.2M |
| 自由现金流率自由现金流/营收 | — | 7.3% |
| 资本支出强度资本支出/营收 | — | 7.2% |
| 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 | — | $52.9M |
8季度趋势，按日历期对齐
经营现金流LCRES
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | $61.9M | ||
| Q3 25 | $-770.8M | $46.5M | ||
| Q2 25 | $-713.1M | $53.1M | ||
| Q1 25 | $-339.3M | $39.9M | ||
| Q4 24 | $-2.6B | $94.2M | ||
| Q3 24 | $-669.8M | $70.7M | ||
| Q2 24 | $-932.5M | $127.9M |
自由现金流LCRES
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | $31.2M | ||
| Q3 25 | $-791.8M | $4.1M | ||
| Q2 25 | $-803.8M | $10.0M | ||
| Q1 25 | $-352.3M | $7.6M | ||
| Q4 24 | $-2.7B | $53.7M | ||
| Q3 24 | $-682.3M | $19.1M | ||
| Q2 24 | $-945.3M | $52.9M |
自由现金流率LCRES
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | 7.3% | ||
| Q3 25 | -297.4% | 0.9% | ||
| Q2 25 | -323.5% | 2.4% | ||
| Q1 25 | -161.8% | 2.3% | ||
| Q4 24 | -1237.8% | 16.0% | ||
| Q3 24 | -338.0% | 5.6% | ||
| Q2 24 | -504.9% | 14.5% |
资本支出强度LCRES
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | 7.2% | ||
| Q3 25 | 7.9% | 9.5% | ||
| Q2 25 | 36.5% | 10.2% | ||
| Q1 25 | 6.0% | 9.7% | ||
| Q4 24 | 25.0% | 12.1% | ||
| Q3 24 | 6.2% | 15.3% | ||
| Q2 24 | 6.9% | 20.6% |
现金转化率LCRES
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | -17.41× | 3.59× | ||
| Q2 25 | -18.68× | 5.23× | ||
| Q1 25 | -29.07× | 3.31× | ||
| Q4 24 | — | 7.38× | ||
| Q3 24 | -46.33× | 3.76× | ||
| Q2 24 | -62.57× | 3.95× |
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
RES
| Technical Service | $405.2M | 95% |
| Other | $8.8M | 2% |
| Nitrogen | $6.6M | 2% |
