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LendingClub Corp（LC）与GIBRALTAR INDUSTRIES, INC.（ROCK）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GIBRALTAR INDUSTRIES, INC.的1.1倍（$252.3M vs $225.0M），GIBRALTAR INDUSTRIES, INC.同比增速更快（24.9% vs 15.9%），过去两年LendingClub Corp的营收复合增速更高（16.1% vs -12.3%）
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。
直布罗陀工业公司是专业建筑、基础设施及可再生能源产品制造商与分销商，主营通风系统、屋面配件、太阳能安装支架、园林景观产品等，主要服务北美地区住宅、商业建筑及清洁能源市场，专注提供创新可持续的客户解决方案。
LC vs ROCK — 直观对比
营收规模更大
LC
是对方的1.1倍
$225.0M
营收增速更快
ROCK
高出9.1%
15.9%
两年增速更快
LC
近两年复合增速
-12.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $252.3M | $225.0M |
| 净利润 | $51.6M | — |
| 毛利率 | — | 25.3% |
| 营业利润率 | — | 7.9% |
| 净利率 | 20.5% | — |
| 营收同比 | 15.9% | 24.9% |
| 净利润同比 | 341.0% | — |
| 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LCROCK
| Q1 26 | $252.3M | — | ||
| Q4 25 | $266.5M | $225.0M | ||
| Q3 25 | $266.2M | $310.9M | ||
| Q2 25 | $248.4M | $309.5M | ||
| Q1 25 | $217.7M | $290.0M | ||
| Q4 24 | $217.2M | $180.1M | ||
| Q3 24 | $201.9M | $277.1M | ||
| Q2 24 | $187.2M | $273.6M |
净利润LCROCK
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | $44.3M | $-89.1M | ||
| Q2 25 | $38.2M | $26.0M | ||
| Q1 25 | $11.7M | $21.1M | ||
| Q4 24 | — | — | ||
| Q3 24 | $14.5M | $34.0M | ||
| Q2 24 | $14.9M | $32.2M |
毛利率LCROCK
| Q1 26 | — | — | ||
| Q4 25 | — | 25.3% | ||
| Q3 25 | — | 26.6% | ||
| Q2 25 | — | 28.4% | ||
| Q1 25 | — | 26.8% | ||
| Q4 24 | — | 29.0% | ||
| Q3 24 | — | 29.4% | ||
| Q2 24 | — | 30.5% |
营业利润率LCROCK
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | 7.9% | ||
| Q3 25 | 21.5% | 12.8% | ||
| Q2 25 | 21.7% | 12.8% | ||
| Q1 25 | 7.2% | 8.8% | ||
| Q4 24 | 5.1% | 13.3% | ||
| Q3 24 | 8.9% | 15.6% | ||
| Q2 24 | 10.4% | 14.9% |
净利率LCROCK
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 16.6% | -28.6% | ||
| Q2 25 | 15.4% | 8.4% | ||
| Q1 25 | 5.4% | 7.3% | ||
| Q4 24 | — | — | ||
| Q3 24 | 7.2% | 12.3% | ||
| Q2 24 | 8.0% | 11.8% |
每股收益（稀释后）LCROCK
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | — | ||
| Q3 25 | $0.37 | $-2.98 | ||
| Q2 25 | $0.33 | $0.87 | ||
| Q1 25 | $0.10 | — | ||
| Q4 24 | $0.08 | — | ||
| Q3 24 | $0.13 | $1.11 | ||
| Q2 24 | $0.13 | $1.05 |
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 | — | $115.7M |
| 总债务越低越好 | — | $0 |
| 股东权益账面价值 | $1.5B | $950.4M |
| 总资产 | $11.9B | $1.4B |
| 负债/权益比越低杠杆越低 | — | 0.00× |
8季度趋势，按日历期对齐
现金及短期投资LCROCK
| Q1 26 | — | — | ||
| Q4 25 | — | $115.7M | ||
| Q3 25 | — | $89.4M | ||
| Q2 25 | — | $43.3M | ||
| Q1 25 | — | $25.1M | ||
| Q4 24 | — | $269.5M | ||
| Q3 24 | — | $228.9M | ||
| Q2 24 | — | $179.1M |
总债务LCROCK
| Q1 26 | — | — | ||
| Q4 25 | $0 | $0 | ||
| Q3 25 | $0 | $0 | ||
| Q2 25 | $0 | $0 | ||
| Q1 25 | $0 | $0 | ||
| Q4 24 | $0 | $0 | ||
| Q3 24 | — | $0 | ||
| Q2 24 | — | $0 |
股东权益LCROCK
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | $950.4M | ||
| Q3 25 | $1.5B | $951.8M | ||
| Q2 25 | $1.4B | $1.0B | ||
| Q1 25 | $1.4B | $1.0B | ||
| Q4 24 | $1.3B | $1.0B | ||
| Q3 24 | $1.3B | $1.0B | ||
| Q2 24 | $1.3B | $975.7M |
总资产LCROCK
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | $1.4B | ||
| Q3 25 | $11.1B | $1.4B | ||
| Q2 25 | $10.8B | $1.5B | ||
| Q1 25 | $10.5B | $1.4B | ||
| Q4 24 | $10.6B | $1.4B | ||
| Q3 24 | $11.0B | $1.4B | ||
| Q2 24 | $9.6B | $1.4B |
负债/权益比LCROCK
| Q1 26 | — | — | ||
| Q4 25 | 0.00× | 0.00× | ||
| Q3 25 | 0.00× | 0.00× | ||
| Q2 25 | 0.00× | 0.00× | ||
| Q1 25 | 0.00× | 0.00× | ||
| Q4 24 | 0.00× | 0.00× | ||
| Q3 24 | — | 0.00× | ||
| Q2 24 | — | 0.00× |
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 | — | $35.5M |
| 自由现金流经营现金流 - 资本支出 | — | $26.2M |
| 自由现金流率自由现金流/营收 | — | 11.7% |
| 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 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $120.6M |
8季度趋势，按日历期对齐
经营现金流LCROCK
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | $35.5M | ||
| Q3 25 | $-770.8M | $73.0M | ||
| Q2 25 | $-713.1M | $44.9M | ||
| Q1 25 | $-339.3M | $13.7M | ||
| Q4 24 | $-2.6B | $19.9M | ||
| Q3 24 | $-669.8M | $64.7M | ||
| Q2 24 | $-932.5M | $36.5M |
自由现金流LCROCK
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | $26.2M | ||
| Q3 25 | $-791.8M | $64.8M | ||
| Q2 25 | $-803.8M | $27.3M | ||
| Q1 25 | $-352.3M | $2.3M | ||
| Q4 24 | $-2.7B | $14.1M | ||
| Q3 24 | $-682.3M | $60.5M | ||
| Q2 24 | $-945.3M | $33.5M |
自由现金流率LCROCK
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | 11.7% | ||
| Q3 25 | -297.4% | 20.8% | ||
| Q2 25 | -323.5% | 8.8% | ||
| Q1 25 | -161.8% | 0.8% | ||
| Q4 24 | -1237.8% | 7.8% | ||
| Q3 24 | -338.0% | 21.8% | ||
| Q2 24 | -504.9% | 12.2% |
资本支出强度LCROCK
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | 4.1% | ||
| Q3 25 | 7.9% | 2.6% | ||
| Q2 25 | 36.5% | 5.7% | ||
| Q1 25 | 6.0% | 3.9% | ||
| Q4 24 | 25.0% | 3.3% | ||
| Q3 24 | 6.2% | 1.5% | ||
| Q2 24 | 6.9% | 1.1% |
现金转化率LCROCK
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | -17.41× | — | ||
| Q2 25 | -18.68× | 1.73× | ||
| Q1 25 | -29.07× | 0.65× | ||
| Q4 24 | — | — | ||
| Q3 24 | -46.33× | 1.90× | ||
| Q2 24 | -62.57× | 1.13× |
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
ROCK
| Transferred At Point In Time | $183.5M | 82% |
| Infrastructure | $22.5M | 10% |
| Other | $18.9M | 8% |
