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LendingClub Corp（LC）与REPLIGEN CORP（RGEN）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REPLIGEN CORP的1.3倍（$252.3M vs $197.9M），LendingClub Corp净利率更高（20.5% vs 6.7%，领先13.7%），LendingClub Corp同比增速更快（15.9% vs 13.6%），过去两年LendingClub Corp的营收复合增速更高（16.1% vs 14.4%）
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。
Repligen是一家全球生命科学企业，专注于创新生物工艺技术与系统的研发及商业化，助力提升生物药生产效率。公司1981年成立，总部位于美国马萨诸塞州沃尔瑟姆，于纳斯达克挂牌上市，股票代码RGEN，截至2025年全球员工超1900人，主要服务生物制药领域客户。
LC vs RGEN — 直观对比
营收规模更大
LC
是对方的1.3倍
$197.9M
营收增速更快
LC
高出2.2%
13.6%
净利率更高
LC
高出13.7%
6.7%
两年增速更快
LC
近两年复合增速
14.4%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $252.3M | $197.9M |
| 净利润 | $51.6M | $13.3M |
| 毛利率 | — | 52.5% |
| 营业利润率 | — | 9.0% |
| 净利率 | 20.5% | 6.7% |
| 营收同比 | 15.9% | 13.6% |
| 净利润同比 | 341.0% | 143.9% |
| 每股收益（稀释后） | $0.44 | $0.24 |
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LCRGEN
| Q1 26 | $252.3M | — | ||
| Q4 25 | $266.5M | $197.9M | ||
| Q3 25 | $266.2M | $188.8M | ||
| Q2 25 | $248.4M | $182.4M | ||
| Q1 25 | $217.7M | $169.2M | ||
| Q4 24 | $217.2M | $174.1M | ||
| Q3 24 | $201.9M | $154.9M | ||
| Q2 24 | $187.2M | $154.1M |
净利润LCRGEN
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | $13.3M | ||
| Q3 25 | $44.3M | $14.9M | ||
| Q2 25 | $38.2M | $14.9M | ||
| Q1 25 | $11.7M | $5.8M | ||
| Q4 24 | — | $-30.3M | ||
| Q3 24 | $14.5M | $-654.0K | ||
| Q2 24 | $14.9M | $3.3M |
毛利率LCRGEN
| Q1 26 | — | — | ||
| Q4 25 | — | 52.5% | ||
| Q3 25 | — | 53.2% | ||
| Q2 25 | — | 50.0% | ||
| Q1 25 | — | 53.6% | ||
| Q4 24 | — | 26.1% | ||
| Q3 24 | — | 50.0% | ||
| Q2 24 | — | 49.8% |
营业利润率LCRGEN
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | 9.0% | ||
| Q3 25 | 21.5% | 8.9% | ||
| Q2 25 | 21.7% | 7.6% | ||
| Q1 25 | 7.2% | 3.9% | ||
| Q4 24 | 5.1% | -17.7% | ||
| Q3 24 | 8.9% | -5.1% | ||
| Q2 24 | 10.4% | 1.0% |
净利率LCRGEN
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | 6.7% | ||
| Q3 25 | 16.6% | 7.9% | ||
| Q2 25 | 15.4% | 8.2% | ||
| Q1 25 | 5.4% | 3.4% | ||
| Q4 24 | — | -17.4% | ||
| Q3 24 | 7.2% | -0.4% | ||
| Q2 24 | 8.0% | 2.2% |
每股收益（稀释后）LCRGEN
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | $0.24 | ||
| Q3 25 | $0.37 | $0.26 | ||
| Q2 25 | $0.33 | $0.26 | ||
| Q1 25 | $0.10 | $0.10 | ||
| Q4 24 | $0.08 | $-0.55 | ||
| Q3 24 | $0.13 | $-0.01 | ||
| Q2 24 | $0.13 | $0.06 |
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 | — | $767.6M |
| 总债务越低越好 | — | $542.2M |
| 股东权益账面价值 | $1.5B | $2.1B |
| 总资产 | $11.9B | $2.9B |
| 负债/权益比越低杠杆越低 | — | 0.26× |
8季度趋势，按日历期对齐
现金及短期投资LCRGEN
| Q1 26 | — | — | ||
| Q4 25 | — | $767.6M | ||
| Q3 25 | — | $748.7M | ||
| Q2 25 | — | $708.9M | ||
| Q1 25 | — | $697.2M | ||
| Q4 24 | — | $757.4M | ||
| Q3 24 | — | $784.0M | ||
| Q2 24 | — | $809.1M |
总债务LCRGEN
| Q1 26 | — | — | ||
| Q4 25 | $0 | $542.2M | ||
| Q3 25 | $0 | $537.9M | ||
| Q2 25 | $0 | — | ||
| Q1 25 | $0 | — | ||
| Q4 24 | $0 | $525.6M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益LCRGEN
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | $2.1B | ||
| Q3 25 | $1.5B | $2.1B | ||
| Q2 25 | $1.4B | $2.1B | ||
| Q1 25 | $1.4B | $2.0B | ||
| Q4 24 | $1.3B | $2.0B | ||
| Q3 24 | $1.3B | $2.0B | ||
| Q2 24 | $1.3B | $2.0B |
总资产LCRGEN
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | $2.9B | ||
| Q3 25 | $11.1B | $2.9B | ||
| Q2 25 | $10.8B | $2.9B | ||
| Q1 25 | $10.5B | $2.9B | ||
| Q4 24 | $10.6B | $2.8B | ||
| Q3 24 | $11.0B | $2.8B | ||
| Q2 24 | $9.6B | $2.9B |
负债/权益比LCRGEN
| Q1 26 | — | — | ||
| Q4 25 | 0.00× | 0.26× | ||
| Q3 25 | 0.00× | 0.26× | ||
| Q2 25 | 0.00× | — | ||
| Q1 25 | 0.00× | — | ||
| Q4 24 | 0.00× | 0.27× | ||
| 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 | — | $25.7M |
| 自由现金流经营现金流 - 资本支出 | — | $17.6M |
| 自由现金流率自由现金流/营收 | — | 8.9% |
| 资本支出强度资本支出/营收 | — | 4.1% |
| 现金转化率经营现金流/净利润 | — | 1.93× |
| 过去12个月自由现金流最近4个季度 | — | $93.9M |
8季度趋势，按日历期对齐
经营现金流LCRGEN
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | $25.7M | ||
| Q3 25 | $-770.8M | $48.1M | ||
| Q2 25 | $-713.1M | $28.6M | ||
| Q1 25 | $-339.3M | $15.0M | ||
| Q4 24 | $-2.6B | $39.2M | ||
| Q3 24 | $-669.8M | $49.3M | ||
| Q2 24 | $-932.5M | $42.2M |
自由现金流LCRGEN
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | $17.6M | ||
| Q3 25 | $-791.8M | $43.4M | ||
| Q2 25 | $-803.8M | $21.5M | ||
| Q1 25 | $-352.3M | $11.4M | ||
| Q4 24 | $-2.7B | $33.6M | ||
| Q3 24 | $-682.3M | $42.3M | ||
| Q2 24 | $-945.3M | $37.4M |
自由现金流率LCRGEN
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | 8.9% | ||
| Q3 25 | -297.4% | 23.0% | ||
| Q2 25 | -323.5% | 11.8% | ||
| Q1 25 | -161.8% | 6.8% | ||
| Q4 24 | -1237.8% | 19.3% | ||
| Q3 24 | -338.0% | 27.3% | ||
| Q2 24 | -504.9% | 24.3% |
资本支出强度LCRGEN
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | 4.1% | ||
| Q3 25 | 7.9% | 2.5% | ||
| Q2 25 | 36.5% | 3.9% | ||
| Q1 25 | 6.0% | 2.1% | ||
| Q4 24 | 25.0% | 3.2% | ||
| Q3 24 | 6.2% | 4.5% | ||
| Q2 24 | 6.9% | 3.1% |
现金转化率LCRGEN
| Q1 26 | — | — | ||
| Q4 25 | — | 1.93× | ||
| Q3 25 | -17.41× | 3.23× | ||
| Q2 25 | -18.68× | 1.92× | ||
| Q1 25 | -29.07× | 2.57× | ||
| Q4 24 | — | — | ||
| Q3 24 | -46.33× | — | ||
| Q2 24 | -62.57× | 12.70× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
