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LendingClub Corp（LC）与STURM RUGER & CO INC（RGR）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STURM RUGER & CO INC的1.7倍（$252.3M vs $151.1M），LendingClub Corp同比增速更快（15.9% vs 3.6%），过去两年LendingClub Corp的营收复合增速更高（16.1% vs 5.1%）
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。
鲁格公司（Ruger）是总部位于美国康涅狄格州绍斯波特的枪械制造企业，除总部外，还在新罕布什尔州纽波特、北卡罗来纳州梅约丹以及亚利桑那州普雷斯科特设有生产工厂。公司由亚历山大·麦考密克·斯特姆与威廉·B·鲁格于1949年共同创立，自1969年起公开上市交易。
LC vs RGR — 直观对比
营收规模更大
LC
是对方的1.7倍
$151.1M
营收增速更快
LC
高出12.3%
3.6%
两年增速更快
LC
近两年复合增速
5.1%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $252.3M | $151.1M |
| 净利润 | $51.6M | — |
| 毛利率 | — | 17.8% |
| 营业利润率 | — | 2.3% |
| 净利率 | 20.5% | — |
| 营收同比 | 15.9% | 3.6% |
| 净利润同比 | 341.0% | — |
| 每股收益（稀释后） | $0.44 | $0.22 |
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LCRGR
| Q1 26 | $252.3M | — | ||
| Q4 25 | $266.5M | $151.1M | ||
| Q3 25 | $266.2M | $126.8M | ||
| Q2 25 | $248.4M | $132.5M | ||
| Q1 25 | $217.7M | $135.7M | ||
| Q4 24 | $217.2M | $145.8M | ||
| Q3 24 | $201.9M | $122.3M | ||
| Q2 24 | $187.2M | $130.8M |
净利润LCRGR
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | $44.3M | $1.6M | ||
| Q2 25 | $38.2M | $-17.2M | ||
| Q1 25 | $11.7M | $7.8M | ||
| Q4 24 | — | — | ||
| Q3 24 | $14.5M | $4.7M | ||
| Q2 24 | $14.9M | $8.3M |
毛利率LCRGR
| Q1 26 | — | — | ||
| Q4 25 | — | 17.8% | ||
| Q3 25 | — | 15.1% | ||
| Q2 25 | — | 3.9% | ||
| Q1 25 | — | 22.0% | ||
| Q4 24 | — | 22.8% | ||
| Q3 24 | — | 18.5% | ||
| Q2 24 | — | 22.3% |
营业利润率LCRGR
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | 2.3% | ||
| Q3 25 | 21.5% | -2.7% | ||
| Q2 25 | 21.7% | -15.6% | ||
| Q1 25 | 7.2% | 6.2% | ||
| Q4 24 | 5.1% | 7.8% | ||
| Q3 24 | 8.9% | 3.1% | ||
| Q2 24 | 10.4% | 6.9% |
净利率LCRGR
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 16.6% | 1.2% | ||
| Q2 25 | 15.4% | -13.0% | ||
| Q1 25 | 5.4% | 5.7% | ||
| Q4 24 | — | — | ||
| Q3 24 | 7.2% | 3.9% | ||
| Q2 24 | 8.0% | 6.3% |
每股收益（稀释后）LCRGR
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | $0.22 | ||
| Q3 25 | $0.37 | $0.10 | ||
| Q2 25 | $0.33 | $-1.05 | ||
| Q1 25 | $0.10 | $0.46 | ||
| Q4 24 | $0.08 | $0.62 | ||
| Q3 24 | $0.13 | $0.28 | ||
| Q2 24 | $0.13 | $0.47 |
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 | — | $92.5M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.5B | $283.8M |
| 总资产 | $11.9B | $342.0M |
| 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LCRGR
| Q1 26 | — | — | ||
| Q4 25 | — | $92.5M | ||
| Q3 25 | — | $80.8M | ||
| Q2 25 | — | $101.4M | ||
| Q1 25 | — | $108.3M | ||
| Q4 24 | — | $105.5M | ||
| Q3 24 | — | $96.0M | ||
| Q2 24 | — | $105.6M |
总债务LCRGR
| 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LCRGR
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | $283.8M | ||
| Q3 25 | $1.5B | $279.6M | ||
| Q2 25 | $1.4B | $289.3M | ||
| Q1 25 | $1.4B | $321.5M | ||
| Q4 24 | $1.3B | $319.6M | ||
| Q3 24 | $1.3B | $314.9M | ||
| Q2 24 | $1.3B | $321.5M |
总资产LCRGR
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | $342.0M | ||
| Q3 25 | $11.1B | $342.3M | ||
| Q2 25 | $10.8B | $349.5M | ||
| Q1 25 | $10.5B | $379.0M | ||
| Q4 24 | $10.6B | $384.0M | ||
| Q3 24 | $11.0B | $373.5M | ||
| Q2 24 | $9.6B | $376.7M |
负债/权益比LCRGR
| 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 | — | $15.5M |
| 自由现金流经营现金流 - 资本支出 | — | $12.3M |
| 自由现金流率自由现金流/营收 | — | 8.2% |
| 资本支出强度资本支出/营收 | — | 2.1% |
| 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 | — | $38.5M |
8季度趋势，按日历期对齐
经营现金流LCRGR
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | $15.5M | ||
| Q3 25 | $-770.8M | $12.9M | ||
| Q2 25 | $-713.1M | $14.7M | ||
| Q1 25 | $-339.3M | $11.1M | ||
| Q4 24 | $-2.6B | $20.0M | ||
| Q3 24 | $-669.8M | $9.4M | ||
| Q2 24 | $-932.5M | $18.7M |
自由现金流LCRGR
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | $12.3M | ||
| Q3 25 | $-791.8M | $7.0M | ||
| Q2 25 | $-803.8M | $9.1M | ||
| Q1 25 | $-352.3M | $10.0M | ||
| Q4 24 | $-2.7B | $16.4M | ||
| Q3 24 | $-682.3M | $2.6M | ||
| Q2 24 | $-945.3M | $10.1M |
自由现金流率LCRGR
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | 8.2% | ||
| Q3 25 | -297.4% | 5.5% | ||
| Q2 25 | -323.5% | 6.9% | ||
| Q1 25 | -161.8% | 7.4% | ||
| Q4 24 | -1237.8% | 11.2% | ||
| Q3 24 | -338.0% | 2.1% | ||
| Q2 24 | -504.9% | 7.7% |
资本支出强度LCRGR
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | 2.1% | ||
| Q3 25 | 7.9% | 4.6% | ||
| Q2 25 | 36.5% | 4.2% | ||
| Q1 25 | 6.0% | 0.8% | ||
| Q4 24 | 25.0% | 2.5% | ||
| Q3 24 | 6.2% | 5.5% | ||
| Q2 24 | 6.9% | 6.6% |
现金转化率LCRGR
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | -17.41× | 8.15× | ||
| Q2 25 | -18.68× | — | ||
| Q1 25 | -29.07× | 1.43× | ||
| Q4 24 | — | — | ||
| Q3 24 | -46.33× | 1.98× | ||
| Q2 24 | -62.57× | 2.27× |
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
RGR
| Firearms | $150.6M | 100% |
| Castings | $7.3M | 5% |
