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LendingClub Corp（LC）与Stitch Fix, Inc.（SFIX）财务数据对比。点击上方公司名可切换其他公司
Stitch Fix, Inc.的季度营收约是LendingClub Corp的1.4倍（$342.1M vs $252.3M），LendingClub Corp净利率更高（20.5% vs -1.9%，领先22.3%），LendingClub Corp同比增速更快（15.9% vs 7.3%），过去两年LendingClub Corp的营收复合增速更高（16.1% vs 1.8%）
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。
Stitch Fix是美国的在线个人造型服务平台，依托推荐算法与数据科学技术，根据顾客的身形尺寸、预算和风格偏好推送个性化服饰单品。该公司创立于2011年，2017年完成首次公开募股，目前总部位于旧金山。
LC vs SFIX — 直观对比
营收规模更大
SFIX
是对方的1.4倍
$252.3M
营收增速更快
LC
高出8.6%
7.3%
净利率更高
LC
高出22.3%
-1.9%
两年增速更快
LC
近两年复合增速
1.8%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $252.3M | $342.1M |
| 净利润 | $51.6M | $-6.4M |
| 毛利率 | — | 43.6% |
| 营业利润率 | — | -2.5% |
| 净利率 | 20.5% | -1.9% |
| 营收同比 | 15.9% | 7.3% |
| 净利润同比 | 341.0% | -1.7% |
| 每股收益（稀释后） | $0.44 | $-0.05 |
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LCSFIX
| Q1 26 | $252.3M | — | ||
| Q4 25 | $266.5M | $342.1M | ||
| Q3 25 | $266.2M | $311.2M | ||
| Q2 25 | $248.4M | $325.0M | ||
| Q1 25 | $217.7M | $312.1M | ||
| Q4 24 | $217.2M | $318.8M | ||
| Q3 24 | $201.9M | $319.6M | ||
| Q2 24 | $187.2M | $322.7M |
净利润LCSFIX
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | $-6.4M | ||
| Q3 25 | $44.3M | $-8.6M | ||
| Q2 25 | $38.2M | $-7.4M | ||
| Q1 25 | $11.7M | $-6.5M | ||
| Q4 24 | — | $-6.3M | ||
| Q3 24 | $14.5M | $-36.5M | ||
| Q2 24 | $14.9M | $-21.3M |
毛利率LCSFIX
| Q1 26 | — | — | ||
| Q4 25 | — | 43.6% | ||
| Q3 25 | — | 43.6% | ||
| Q2 25 | — | 44.2% | ||
| Q1 25 | — | 44.5% | ||
| Q4 24 | — | 45.4% | ||
| Q3 24 | — | 44.6% | ||
| Q2 24 | — | 45.5% |
营业利润率LCSFIX
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | -2.5% | ||
| Q3 25 | 21.5% | -3.6% | ||
| Q2 25 | 21.7% | -3.0% | ||
| Q1 25 | 7.2% | -2.9% | ||
| Q4 24 | 5.1% | -2.8% | ||
| Q3 24 | 8.9% | -13.1% | ||
| Q2 24 | 10.4% | -7.7% |
净利率LCSFIX
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | -1.9% | ||
| Q3 25 | 16.6% | -2.8% | ||
| Q2 25 | 15.4% | -2.3% | ||
| Q1 25 | 5.4% | -2.1% | ||
| Q4 24 | — | -2.0% | ||
| Q3 24 | 7.2% | -11.4% | ||
| Q2 24 | 8.0% | -6.6% |
每股收益（稀释后）LCSFIX
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | $-0.05 | ||
| Q3 25 | $0.37 | $-0.06 | ||
| Q2 25 | $0.33 | $-0.06 | ||
| Q1 25 | $0.10 | $-0.05 | ||
| Q4 24 | $0.08 | $-0.05 | ||
| Q3 24 | $0.13 | $-0.29 | ||
| Q2 24 | $0.13 | $-0.18 |
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 | — | $244.2M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.5B | $204.1M |
| 总资产 | $11.9B | $530.7M |
| 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LCSFIX
| Q1 26 | — | — | ||
| Q4 25 | — | $244.2M | ||
| Q3 25 | — | $234.9M | ||
| Q2 25 | — | $234.2M | ||
| Q1 25 | — | $219.1M | ||
| Q4 24 | — | $253.3M | ||
| Q3 24 | — | $247.0M | ||
| Q2 24 | — | $244.5M |
总债务LCSFIX
| 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LCSFIX
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | $204.1M | ||
| Q3 25 | $1.5B | $203.0M | ||
| Q2 25 | $1.4B | $200.4M | ||
| Q1 25 | $1.4B | $197.8M | ||
| Q4 24 | $1.3B | $190.5M | ||
| Q3 24 | $1.3B | $187.0M | ||
| Q2 24 | $1.3B | $208.9M |
总资产LCSFIX
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | $530.7M | ||
| Q3 25 | $11.1B | $480.6M | ||
| Q2 25 | $10.8B | $484.7M | ||
| Q1 25 | $10.5B | $472.6M | ||
| Q4 24 | $10.6B | $507.1M | ||
| Q3 24 | $11.0B | $486.9M | ||
| Q2 24 | $9.6B | $537.0M |
负债/权益比LCSFIX
| 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 | — | $10.9M |
| 自由现金流经营现金流 - 资本支出 | — | $5.6M |
| 自由现金流率自由现金流/营收 | — | 1.6% |
| 资本支出强度资本支出/营收 | — | 1.6% |
| 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 | — | $4.9M |
8季度趋势，按日历期对齐
经营现金流LCSFIX
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | $10.9M | ||
| Q3 25 | $-770.8M | $7.0M | ||
| Q2 25 | $-713.1M | $20.5M | ||
| Q1 25 | $-339.3M | $-16.2M | ||
| Q4 24 | $-2.6B | $14.3M | ||
| Q3 24 | $-669.8M | $8.2M | ||
| Q2 24 | $-932.5M | $21.7M |
自由现金流LCSFIX
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | $5.6M | ||
| Q3 25 | $-791.8M | $2.8M | ||
| Q2 25 | $-803.8M | $16.0M | ||
| Q1 25 | $-352.3M | $-19.4M | ||
| Q4 24 | $-2.7B | $9.9M | ||
| Q3 24 | $-682.3M | $4.5M | ||
| Q2 24 | $-945.3M | $18.9M |
自由现金流率LCSFIX
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | 1.6% | ||
| Q3 25 | -297.4% | 0.9% | ||
| Q2 25 | -323.5% | 4.9% | ||
| Q1 25 | -161.8% | -6.2% | ||
| Q4 24 | -1237.8% | 3.1% | ||
| Q3 24 | -338.0% | 1.4% | ||
| Q2 24 | -504.9% | 5.9% |
资本支出强度LCSFIX
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | 1.6% | ||
| Q3 25 | 7.9% | 1.4% | ||
| Q2 25 | 36.5% | 1.4% | ||
| Q1 25 | 6.0% | 1.0% | ||
| Q4 24 | 25.0% | 1.4% | ||
| Q3 24 | 6.2% | 1.2% | ||
| Q2 24 | 6.9% | 0.9% |
现金转化率LCSFIX
| 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
