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LendingClub Corp（LC）与SHOE CARNIVAL INC（SCVL）财务数据对比。点击上方公司名可切换其他公司
SHOE CARNIVAL INC的季度营收约是LendingClub Corp的1.2倍（$297.2M vs $252.3M），LendingClub Corp净利率更高（20.5% vs 4.9%，领先15.5%），LendingClub Corp同比增速更快（15.9% vs -3.2%），过去两年LendingClub Corp的营收复合增速更高（16.1% vs 3.0%）
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。
Shoe Carnival Inc是一家美国家庭鞋类零售商，目前在美国中西部、南部、东南部地区以及波多黎各共开设了429家门店。该公司由大卫·拉塞尔于1978年创立，截至2025年，其总部位于南卡罗来纳州福特米尔。
LC vs SCVL — 直观对比
营收规模更大
SCVL
是对方的1.2倍
$252.3M
营收增速更快
LC
高出19.1%
-3.2%
净利率更高
LC
高出15.5%
4.9%
两年增速更快
LC
近两年复合增速
3.0%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $252.3M | $297.2M |
| 净利润 | $51.6M | $14.6M |
| 毛利率 | — | 37.6% |
| 营业利润率 | — | 6.3% |
| 净利率 | 20.5% | 4.9% |
| 营收同比 | 15.9% | -3.2% |
| 净利润同比 | 341.0% | -23.9% |
| 每股收益（稀释后） | $0.44 | $0.53 |
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LCSCVL
| Q1 26 | $252.3M | — | ||
| Q4 25 | $266.5M | $297.2M | ||
| Q3 25 | $266.2M | $306.4M | ||
| Q2 25 | $248.4M | $277.7M | ||
| Q1 25 | $217.7M | $262.9M | ||
| Q4 24 | $217.2M | $306.9M | ||
| Q3 24 | $201.9M | $332.7M | ||
| Q2 24 | $187.2M | $300.4M |
净利润LCSCVL
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | $14.6M | ||
| Q3 25 | $44.3M | $19.2M | ||
| Q2 25 | $38.2M | $9.3M | ||
| Q1 25 | $11.7M | $14.7M | ||
| Q4 24 | — | $19.2M | ||
| Q3 24 | $14.5M | $22.6M | ||
| Q2 24 | $14.9M | $17.3M |
毛利率LCSCVL
| Q1 26 | — | — | ||
| Q4 25 | — | 37.6% | ||
| Q3 25 | — | 38.8% | ||
| Q2 25 | — | 34.5% | ||
| Q1 25 | — | 34.9% | ||
| Q4 24 | — | 36.0% | ||
| Q3 24 | — | 36.1% | ||
| Q2 24 | — | 35.6% |
营业利润率LCSCVL
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | 6.3% | ||
| Q3 25 | 21.5% | 8.2% | ||
| Q2 25 | 21.7% | 4.3% | ||
| Q1 25 | 7.2% | 5.3% | ||
| Q4 24 | 5.1% | 8.0% | ||
| Q3 24 | 8.9% | 9.0% | ||
| Q2 24 | 10.4% | 7.5% |
净利率LCSCVL
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | 4.9% | ||
| Q3 25 | 16.6% | 6.3% | ||
| Q2 25 | 15.4% | 3.4% | ||
| Q1 25 | 5.4% | 5.6% | ||
| Q4 24 | — | 6.3% | ||
| Q3 24 | 7.2% | 6.8% | ||
| Q2 24 | 8.0% | 5.8% |
每股收益（稀释后）LCSCVL
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | $0.53 | ||
| Q3 25 | $0.37 | $0.70 | ||
| Q2 25 | $0.33 | $0.34 | ||
| Q1 25 | $0.10 | $0.53 | ||
| Q4 24 | $0.08 | $0.70 | ||
| Q3 24 | $0.13 | $0.82 | ||
| Q2 24 | $0.13 | $0.63 |
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 | — | $107.7M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.5B | $683.2M |
| 总资产 | $11.9B | $1.2B |
| 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LCSCVL
| Q1 26 | — | — | ||
| Q4 25 | — | $107.7M | ||
| Q3 25 | — | $91.9M | ||
| Q2 25 | — | $93.0M | ||
| Q1 25 | — | $123.1M | ||
| Q4 24 | — | $91.1M | ||
| Q3 24 | — | $84.5M | ||
| Q2 24 | — | $69.5M |
总债务LCSCVL
| 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LCSCVL
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | $683.2M | ||
| Q3 25 | $1.5B | $670.7M | ||
| Q2 25 | $1.4B | $653.6M | ||
| Q1 25 | $1.4B | $649.0M | ||
| Q4 24 | $1.3B | $635.7M | ||
| Q3 24 | $1.3B | $618.5M | ||
| Q2 24 | $1.3B | $597.8M |
总资产LCSCVL
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | $1.2B | ||
| Q3 25 | $11.1B | $1.2B | ||
| Q2 25 | $10.8B | $1.1B | ||
| Q1 25 | $10.5B | $1.1B | ||
| Q4 24 | $10.6B | $1.1B | ||
| Q3 24 | $11.0B | $1.1B | ||
| Q2 24 | $9.6B | $1.1B |
负债/权益比LCSCVL
| 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 | — | $33.6M |
| 自由现金流经营现金流 - 资本支出 | — | $19.7M |
| 自由现金流率自由现金流/营收 | — | 6.6% |
| 资本支出强度资本支出/营收 | — | 4.7% |
| 现金转化率经营现金流/净利润 | — | 2.30× |
| 过去12个月自由现金流最近4个季度 | — | $35.1M |
8季度趋势，按日历期对齐
经营现金流LCSCVL
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | $33.6M | ||
| Q3 25 | $-770.8M | $13.3M | ||
| Q2 25 | $-713.1M | $-9.6M | ||
| Q1 25 | $-339.3M | $44.5M | ||
| Q4 24 | $-2.6B | $17.3M | ||
| Q3 24 | $-669.8M | $23.7M | ||
| Q2 24 | $-932.5M | $17.1M |
自由现金流LCSCVL
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | $19.7M | ||
| Q3 25 | $-791.8M | $2.2M | ||
| Q2 25 | $-803.8M | $-23.0M | ||
| Q1 25 | $-352.3M | $36.2M | ||
| Q4 24 | $-2.7B | $8.3M | ||
| Q3 24 | $-682.3M | $18.2M | ||
| Q2 24 | $-945.3M | $6.9M |
自由现金流率LCSCVL
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | 6.6% | ||
| Q3 25 | -297.4% | 0.7% | ||
| Q2 25 | -323.5% | -8.3% | ||
| Q1 25 | -161.8% | 13.8% | ||
| Q4 24 | -1237.8% | 2.7% | ||
| Q3 24 | -338.0% | 5.5% | ||
| Q2 24 | -504.9% | 2.3% |
资本支出强度LCSCVL
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | 4.7% | ||
| Q3 25 | 7.9% | 3.6% | ||
| Q2 25 | 36.5% | 4.8% | ||
| Q1 25 | 6.0% | 3.2% | ||
| Q4 24 | 25.0% | 3.0% | ||
| Q3 24 | 6.2% | 1.7% | ||
| Q2 24 | 6.9% | 3.4% |
现金转化率LCSCVL
| Q1 26 | — | — | ||
| Q4 25 | — | 2.30× | ||
| Q3 25 | -17.41× | 0.69× | ||
| Q2 25 | -18.68× | -1.03× | ||
| Q1 25 | -29.07× | 3.04× | ||
| Q4 24 | — | 0.90× | ||
| Q3 24 | -46.33× | 1.05× | ||
| Q2 24 | -62.57× | 0.99× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
