vs
LendingClub Corp（LC）与Rocket Lab Corp（RKLB）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Rocket Lab Corp的1.4倍（$252.3M vs $179.7M），LendingClub Corp净利率更高（20.5% vs -29.5%，领先49.9%），Rocket Lab Corp同比增速更快（35.7% vs 15.9%），过去两年Rocket Lab Corp的营收复合增速更高（39.2% vs 16.1%）
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。
Rocket Lab是公开上市的航空航天制造商及发射服务提供商，旗下Electron轨道火箭主打小型卫星发射，截至2026年1月已成功完成超75次任务，是全球现役发射次数最多的小型运载火箭。公司还开发了Electron的亚轨道改型HASTE用作高超音速技术测试平台，下一代可复用中型运载火箭Neutron目前也在研发中。
LC vs RKLB — 直观对比
营收规模更大
LC
是对方的1.4倍
$179.7M
营收增速更快
RKLB
高出19.8%
15.9%
净利率更高
LC
高出49.9%
-29.5%
两年增速更快
RKLB
近两年复合增速
16.1%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $252.3M | $179.7M |
| 净利润 | $51.6M | $-52.9M |
| 毛利率 | — | 38.0% |
| 营业利润率 | — | -28.4% |
| 净利率 | 20.5% | -29.5% |
| 营收同比 | 15.9% | 35.7% |
| 净利润同比 | 341.0% | -1.1% |
| 每股收益（稀释后） | $0.44 | $-0.09 |
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LCRKLB
| Q1 26 | $252.3M | — | ||
| Q4 25 | $266.5M | $179.7M | ||
| Q3 25 | $266.2M | $155.1M | ||
| Q2 25 | $248.4M | $144.5M | ||
| Q1 25 | $217.7M | $122.6M | ||
| Q4 24 | $217.2M | $132.4M | ||
| Q3 24 | $201.9M | $104.8M | ||
| Q2 24 | $187.2M | $106.3M |
净利润LCRKLB
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | $-52.9M | ||
| Q3 25 | $44.3M | $-18.3M | ||
| Q2 25 | $38.2M | $-66.4M | ||
| Q1 25 | $11.7M | $-60.6M | ||
| Q4 24 | — | $-52.3M | ||
| Q3 24 | $14.5M | $-51.9M | ||
| Q2 24 | $14.9M | $-41.6M |
毛利率LCRKLB
| Q1 26 | — | — | ||
| Q4 25 | — | 38.0% | ||
| Q3 25 | — | 37.0% | ||
| Q2 25 | — | 32.1% | ||
| Q1 25 | — | 28.8% | ||
| Q4 24 | — | 27.8% | ||
| Q3 24 | — | 26.7% | ||
| Q2 24 | — | 25.6% |
营业利润率LCRKLB
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | -28.4% | ||
| Q3 25 | 21.5% | -38.0% | ||
| Q2 25 | 21.7% | -41.3% | ||
| Q1 25 | 7.2% | -48.3% | ||
| Q4 24 | 5.1% | -38.9% | ||
| Q3 24 | 8.9% | -49.5% | ||
| Q2 24 | 10.4% | -40.7% |
净利率LCRKLB
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | -29.5% | ||
| Q3 25 | 16.6% | -11.8% | ||
| Q2 25 | 15.4% | -46.0% | ||
| Q1 25 | 5.4% | -49.5% | ||
| Q4 24 | — | -39.5% | ||
| Q3 24 | 7.2% | -49.6% | ||
| Q2 24 | 8.0% | -39.2% |
每股收益（稀释后）LCRKLB
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | $-0.09 | ||
| Q3 25 | $0.37 | $-0.03 | ||
| Q2 25 | $0.33 | $-0.13 | ||
| Q1 25 | $0.10 | $-0.12 | ||
| Q4 24 | $0.08 | $-0.11 | ||
| Q3 24 | $0.13 | $-0.10 | ||
| Q2 24 | $0.13 | $-0.08 |
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 | — | $1.0B |
| 总债务越低越好 | — | $152.4M |
| 股东权益账面价值 | $1.5B | $1.7B |
| 总资产 | $11.9B | $2.3B |
| 负债/权益比越低杠杆越低 | — | 0.09× |
8季度趋势，按日历期对齐
现金及短期投资LCRKLB
| Q1 26 | — | — | ||
| Q4 25 | — | $1.0B | ||
| Q3 25 | — | $976.7M | ||
| Q2 25 | — | $688.1M | ||
| Q1 25 | — | $428.4M | ||
| Q4 24 | — | $419.0M | ||
| Q3 24 | — | $442.4M | ||
| Q2 24 | — | $496.8M |
总债务LCRKLB
| Q1 26 | — | — | ||
| Q4 25 | $0 | $152.4M | ||
| Q3 25 | $0 | $347.0M | ||
| Q2 25 | $0 | $346.5M | ||
| Q1 25 | $0 | $345.9M | ||
| Q4 24 | $0 | $345.4M | ||
| Q3 24 | — | $61.2M | ||
| Q2 24 | — | $64.2M |
股东权益LCRKLB
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | $1.7B | ||
| Q3 25 | $1.5B | $1.3B | ||
| Q2 25 | $1.4B | $688.5M | ||
| Q1 25 | $1.4B | $431.3M | ||
| Q4 24 | $1.3B | $382.5M | ||
| Q3 24 | $1.3B | $419.8M | ||
| Q2 24 | $1.3B | $455.2M |
总资产LCRKLB
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | $2.3B | ||
| Q3 25 | $11.1B | $2.2B | ||
| Q2 25 | $10.8B | $1.6B | ||
| Q1 25 | $10.5B | $1.3B | ||
| Q4 24 | $10.6B | $1.2B | ||
| Q3 24 | $11.0B | $1.2B | ||
| Q2 24 | $9.6B | $1.2B |
负债/权益比LCRKLB
| Q1 26 | — | — | ||
| Q4 25 | 0.00× | 0.09× | ||
| Q3 25 | 0.00× | 0.27× | ||
| Q2 25 | 0.00× | 0.50× | ||
| Q1 25 | 0.00× | 0.80× | ||
| Q4 24 | 0.00× | 0.90× | ||
| Q3 24 | — | 0.15× | ||
| Q2 24 | — | 0.14× |
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 | — | $-64.5M |
| 自由现金流经营现金流 - 资本支出 | — | $-114.2M |
| 自由现金流率自由现金流/营收 | — | -63.6% |
| 资本支出强度资本支出/营收 | — | 27.6% |
| 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 | — | $-321.8M |
8季度趋势，按日历期对齐
经营现金流LCRKLB
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | $-64.5M | ||
| Q3 25 | $-770.8M | $-23.5M | ||
| Q2 25 | $-713.1M | $-23.2M | ||
| Q1 25 | $-339.3M | $-54.2M | ||
| Q4 24 | $-2.6B | $-2.4M | ||
| Q3 24 | $-669.8M | $-30.9M | ||
| Q2 24 | $-932.5M | $-13.0M |
自由现金流LCRKLB
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | $-114.2M | ||
| Q3 25 | $-791.8M | $-69.4M | ||
| Q2 25 | $-803.8M | $-55.3M | ||
| Q1 25 | $-352.3M | $-82.9M | ||
| Q4 24 | $-2.7B | $-23.9M | ||
| Q3 24 | $-682.3M | $-41.9M | ||
| Q2 24 | $-945.3M | $-28.3M |
自由现金流率LCRKLB
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | -63.6% | ||
| Q3 25 | -297.4% | -44.8% | ||
| Q2 25 | -323.5% | -38.3% | ||
| Q1 25 | -161.8% | -67.6% | ||
| Q4 24 | -1237.8% | -18.1% | ||
| Q3 24 | -338.0% | -40.0% | ||
| Q2 24 | -504.9% | -26.7% |
资本支出强度LCRKLB
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | 27.6% | ||
| Q3 25 | 7.9% | 29.6% | ||
| Q2 25 | 36.5% | 22.2% | ||
| Q1 25 | 6.0% | 23.4% | ||
| Q4 24 | 25.0% | 16.3% | ||
| Q3 24 | 6.2% | 10.5% | ||
| Q2 24 | 6.9% | 14.4% |
现金转化率LCRKLB
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | -17.41× | — | ||
| Q2 25 | -18.68× | — | ||
| Q1 25 | -29.07× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | -46.33× | — | ||
| Q2 24 | -62.57× | — |
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
RKLB
| Products | $94.0M | 52% |
| Transferred Over Time | $87.3M | 49% |
