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LendingClub Corp（LC）与RAYONIER ADVANCED MATERIALS INC.（RYAM）财务数据对比。点击上方公司名可切换其他公司
RAYONIER ADVANCED MATERIALS INC.的季度营收约是LendingClub Corp的1.7倍（$417.5M vs $252.3M），LendingClub Corp净利率更高（20.5% vs -5.0%，领先25.5%），LendingClub Corp同比增速更快（15.9% vs -1.2%），过去两年LendingClub Corp的营收复合增速更高（16.1% vs 3.8%）
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。
RYAM（原雷尼尔先进材料公司）是一家美国全球性纤维素技术企业，主打高纯度特种纤维素产品，所生产的天然聚合物广泛应用于过滤器生产、食品加工、医药制造及各类工业领域，同时也为造纸和包装行业供应相关产品，在纤维素技术领域拥有较高的行业认可度。
LC vs RYAM — 直观对比
营收规模更大
RYAM
是对方的1.7倍
$252.3M
营收增速更快
LC
高出17.1%
-1.2%
净利率更高
LC
高出25.5%
-5.0%
两年增速更快
LC
近两年复合增速
3.8%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $252.3M | $417.5M |
| 净利润 | $51.6M | $-21.1M |
| 毛利率 | — | 8.9% |
| 营业利润率 | — | 2.6% |
| 净利率 | 20.5% | -5.0% |
| 营收同比 | 15.9% | -1.2% |
| 净利润同比 | 341.0% | -31.9% |
| 每股收益（稀释后） | $0.44 | $-0.33 |
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LCRYAM
| Q1 26 | $252.3M | — | ||
| Q4 25 | $266.5M | $417.5M | ||
| Q3 25 | $266.2M | $352.8M | ||
| Q2 25 | $248.4M | $340.0M | ||
| Q1 25 | $217.7M | $356.0M | ||
| Q4 24 | $217.2M | $422.5M | ||
| Q3 24 | $201.9M | $401.1M | ||
| Q2 24 | $187.2M | $419.0M |
净利润LCRYAM
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | $-21.1M | ||
| Q3 25 | $44.3M | $-4.5M | ||
| Q2 25 | $38.2M | $-363.2M | ||
| Q1 25 | $11.7M | $-32.0M | ||
| Q4 24 | — | $-16.0M | ||
| Q3 24 | $14.5M | $-32.6M | ||
| Q2 24 | $14.9M | $11.4M |
毛利率LCRYAM
| Q1 26 | — | — | ||
| Q4 25 | — | 8.9% | ||
| Q3 25 | — | 9.7% | ||
| Q2 25 | — | 7.0% | ||
| Q1 25 | — | 6.8% | ||
| Q4 24 | — | 8.7% | ||
| Q3 24 | — | 10.9% | ||
| Q2 24 | — | 11.5% |
营业利润率LCRYAM
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | 2.6% | ||
| Q3 25 | 21.5% | 2.8% | ||
| Q2 25 | 21.7% | -0.4% | ||
| Q1 25 | 7.2% | -4.2% | ||
| Q4 24 | 5.1% | 2.6% | ||
| Q3 24 | 8.9% | -4.2% | ||
| Q2 24 | 10.4% | 6.7% |
净利率LCRYAM
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | -5.0% | ||
| Q3 25 | 16.6% | -1.3% | ||
| Q2 25 | 15.4% | -106.8% | ||
| Q1 25 | 5.4% | -9.0% | ||
| Q4 24 | — | -3.8% | ||
| Q3 24 | 7.2% | -8.1% | ||
| Q2 24 | 8.0% | 2.7% |
每股收益（稀释后）LCRYAM
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | $-0.33 | ||
| Q3 25 | $0.37 | $-0.07 | ||
| Q2 25 | $0.33 | $-5.44 | ||
| Q1 25 | $0.10 | $-0.49 | ||
| Q4 24 | $0.08 | $-0.25 | ||
| Q3 24 | $0.13 | $-0.49 | ||
| Q2 24 | $0.13 | $0.17 |
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 | — | $75.4M |
| 总债务越低越好 | — | $758.1M |
| 股东权益账面价值 | $1.5B | $316.6M |
| 总资产 | $11.9B | $1.8B |
| 负债/权益比越低杠杆越低 | — | 2.39× |
8季度趋势，按日历期对齐
现金及短期投资LCRYAM
| Q1 26 | — | — | ||
| Q4 25 | — | $75.4M | ||
| Q3 25 | — | $77.0M | ||
| Q2 25 | — | $70.7M | ||
| Q1 25 | — | $129.9M | ||
| Q4 24 | — | $125.2M | ||
| Q3 24 | — | $136.1M | ||
| Q2 24 | — | $114.1M |
总债务LCRYAM
| Q1 26 | — | — | ||
| Q4 25 | $0 | $758.1M | ||
| Q3 25 | $0 | $763.5M | ||
| Q2 25 | $0 | $720.4M | ||
| Q1 25 | $0 | $707.0M | ||
| Q4 24 | $0 | $706.4M | ||
| Q3 24 | — | $747.7M | ||
| Q2 24 | — | $752.8M |
股东权益LCRYAM
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | $316.6M | ||
| Q3 25 | $1.5B | $338.2M | ||
| Q2 25 | $1.4B | $342.3M | ||
| Q1 25 | $1.4B | $688.1M | ||
| Q4 24 | $1.3B | $713.9M | ||
| Q3 24 | $1.3B | $732.7M | ||
| Q2 24 | $1.3B | $755.1M |
总资产LCRYAM
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | $1.8B | ||
| Q3 25 | $11.1B | $1.8B | ||
| Q2 25 | $10.8B | $1.8B | ||
| Q1 25 | $10.5B | $2.1B | ||
| Q4 24 | $10.6B | $2.1B | ||
| Q3 24 | $11.0B | $2.2B | ||
| Q2 24 | $9.6B | $2.2B |
负债/权益比LCRYAM
| Q1 26 | — | — | ||
| Q4 25 | 0.00× | 2.39× | ||
| Q3 25 | 0.00× | 2.26× | ||
| Q2 25 | 0.00× | 2.10× | ||
| Q1 25 | 0.00× | 1.03× | ||
| Q4 24 | 0.00× | 0.99× | ||
| Q3 24 | — | 1.02× | ||
| Q2 24 | — | 1.00× |
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 | — | $32.3M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 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 | — | — |
8季度趋势，按日历期对齐
经营现金流LCRYAM
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | $32.3M | ||
| Q3 25 | $-770.8M | $-17.8M | ||
| Q2 25 | $-713.1M | $-30.2M | ||
| Q1 25 | $-339.3M | $39.6M | ||
| Q4 24 | $-2.6B | $54.9M | ||
| Q3 24 | $-669.8M | $49.8M | ||
| Q2 24 | $-932.5M | $87.6M |
自由现金流LCRYAM
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | — | ||
| Q3 25 | $-791.8M | — | ||
| Q2 25 | $-803.8M | — | ||
| Q1 25 | $-352.3M | — | ||
| Q4 24 | $-2.7B | — | ||
| Q3 24 | $-682.3M | — | ||
| Q2 24 | $-945.3M | — |
自由现金流率LCRYAM
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | — | ||
| Q3 25 | -297.4% | — | ||
| Q2 25 | -323.5% | — | ||
| Q1 25 | -161.8% | — | ||
| Q4 24 | -1237.8% | — | ||
| Q3 24 | -338.0% | — | ||
| Q2 24 | -504.9% | — |
资本支出强度LCRYAM
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | — | ||
| Q3 25 | 7.9% | — | ||
| Q2 25 | 36.5% | — | ||
| Q1 25 | 6.0% | — | ||
| Q4 24 | 25.0% | — | ||
| Q3 24 | 6.2% | — | ||
| Q2 24 | 6.9% | — |
现金转化率LCRYAM
| 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× | 7.69× |
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
RYAM
| Cellulose Specialties | $249.6M | 60% |
| Other | $86.2M | 21% |
| Paperboard | $44.2M | 11% |
| High Yield Pulp | $28.3M | 7% |
| Biomaterials | $9.2M | 2% |
