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LendingClub Corp（LC）与Shimmick Corp（SHIM）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Shimmick Corp的1.8倍（$252.3M vs $141.9M），LendingClub Corp净利率更高（20.5% vs -3.1%，领先23.5%），过去两年LendingClub Corp的营收复合增速更高（16.1% vs -10.1%）
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。
Shimmick Corp是一家总部位于美国的重型民用建筑企业，专注于水处理设施、交通系统、大坝工程、环境修复等关键公共基础设施的建造与升级，主要服务北美各级政府客户，承接各类复杂大型建筑项目。
LC vs SHIM — 直观对比
营收规模更大
LC
是对方的1.8倍
$141.9M
净利率更高
LC
高出23.5%
-3.1%
两年增速更快
LC
近两年复合增速
-10.1%
损益表 — Q1 FY2026 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $252.3M | $141.9M |
| 净利润 | $51.6M | $-4.4M |
| 毛利率 | — | 7.6% |
| 营业利润率 | — | -2.2% |
| 净利率 | 20.5% | -3.1% |
| 营收同比 | 15.9% | — |
| 净利润同比 | 341.0% | — |
| 每股收益（稀释后） | $0.44 | $-0.12 |
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LCSHIM
| Q1 26 | $252.3M | — | ||
| Q4 25 | $266.5M | $141.9M | ||
| Q3 25 | $266.2M | $128.4M | ||
| Q2 25 | $248.4M | $122.1M | ||
| Q1 25 | $217.7M | $103.6M | ||
| Q4 24 | $217.2M | — | ||
| Q3 24 | $201.9M | $166.0M | ||
| Q2 24 | $187.2M | $90.6M |
净利润LCSHIM
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | $-4.4M | ||
| Q3 25 | $44.3M | $-8.5M | ||
| Q2 25 | $38.2M | $-9.8M | ||
| Q1 25 | $11.7M | $-38.5M | ||
| Q4 24 | — | — | ||
| Q3 24 | $14.5M | $-1.6M | ||
| Q2 24 | $14.9M | $-51.4M |
毛利率LCSHIM
| Q1 26 | — | — | ||
| Q4 25 | — | 7.6% | ||
| Q3 25 | — | 6.3% | ||
| Q2 25 | — | 3.8% | ||
| Q1 25 | — | -20.1% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 7.3% | ||
| Q2 24 | — | -34.4% |
营业利润率LCSHIM
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | -2.2% | ||
| Q3 25 | 21.5% | -5.5% | ||
| Q2 25 | 21.7% | -7.3% | ||
| Q1 25 | 7.2% | -39.3% | ||
| Q4 24 | 5.1% | — | ||
| Q3 24 | 8.9% | 0.7% | ||
| Q2 24 | 10.4% | -53.0% |
净利率LCSHIM
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | -3.1% | ||
| Q3 25 | 16.6% | -6.6% | ||
| Q2 25 | 15.4% | -8.0% | ||
| Q1 25 | 5.4% | -37.1% | ||
| Q4 24 | — | — | ||
| Q3 24 | 7.2% | -0.9% | ||
| Q2 24 | 8.0% | -56.7% |
每股收益（稀释后）LCSHIM
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | $-0.12 | ||
| Q3 25 | $0.37 | $-0.25 | ||
| Q2 25 | $0.33 | $-0.28 | ||
| Q1 25 | $0.10 | $-0.92 | ||
| Q4 24 | $0.08 | — | ||
| Q3 24 | $0.13 | $-0.05 | ||
| Q2 24 | $0.13 | $-1.83 |
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 | — | $17.6M |
| 总债务越低越好 | — | $57.5M |
| 股东权益账面价值 | $1.5B | $-52.7M |
| 总资产 | $11.9B | $218.5M |
| 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LCSHIM
| Q1 26 | — | — | ||
| Q4 25 | — | $17.6M | ||
| Q3 25 | — | $21.4M | ||
| Q2 25 | — | $16.3M | ||
| Q1 25 | — | $33.7M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $26.0M | ||
| Q2 24 | — | $22.4M |
总债务LCSHIM
| Q1 26 | — | — | ||
| Q4 25 | $0 | $57.5M | ||
| Q3 25 | $0 | $36.4M | ||
| Q2 25 | $0 | $31.4M | ||
| Q1 25 | $0 | $9.5M | ||
| Q4 24 | $0 | — | ||
| Q3 24 | — | $39.9M | ||
| Q2 24 | — | — |
股东权益LCSHIM
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | $-52.7M | ||
| Q3 25 | $1.5B | $-49.5M | ||
| Q2 25 | $1.4B | $-42.6M | ||
| Q1 25 | $1.4B | $-34.7M | ||
| Q4 24 | $1.3B | — | ||
| Q3 24 | $1.3B | $973.0K | ||
| Q2 24 | $1.3B | $436.0K |
总资产LCSHIM
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | $218.5M | ||
| Q3 25 | $11.1B | $203.0M | ||
| Q2 25 | $10.8B | $227.7M | ||
| Q1 25 | $10.5B | $233.9M | ||
| Q4 24 | $10.6B | — | ||
| Q3 24 | $11.0B | $346.7M | ||
| Q2 24 | $9.6B | $344.5M |
负债/权益比LCSHIM
| Q1 26 | — | — | ||
| Q4 25 | 0.00× | — | ||
| Q3 25 | 0.00× | — | ||
| Q2 25 | 0.00× | — | ||
| Q1 25 | 0.00× | — | ||
| Q4 24 | 0.00× | — | ||
| Q3 24 | — | 41.01× | ||
| 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 | — | $-23.7M |
| 自由现金流经营现金流 - 资本支出 | — | $-28.7M |
| 自由现金流率自由现金流/营收 | — | -20.2% |
| 资本支出强度资本支出/营收 | — | 3.5% |
| 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 | — | $-27.2M |
8季度趋势，按日历期对齐
经营现金流LCSHIM
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | $-23.7M | ||
| Q3 25 | $-770.8M | $-3.8M | ||
| Q2 25 | $-713.1M | $-38.2M | ||
| Q1 25 | $-339.3M | $44.9M | ||
| Q4 24 | $-2.6B | — | ||
| Q3 24 | $-669.8M | $12.7M | ||
| Q2 24 | $-932.5M | $-43.9M |
自由现金流LCSHIM
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | $-28.7M | ||
| Q3 25 | $-791.8M | $-4.2M | ||
| Q2 25 | $-803.8M | $-38.7M | ||
| Q1 25 | $-352.3M | $44.4M | ||
| Q4 24 | $-2.7B | — | ||
| Q3 24 | $-682.3M | $10.3M | ||
| Q2 24 | $-945.3M | $-46.8M |
自由现金流率LCSHIM
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | -20.2% | ||
| Q3 25 | -297.4% | -3.2% | ||
| Q2 25 | -323.5% | -31.7% | ||
| Q1 25 | -161.8% | 42.9% | ||
| Q4 24 | -1237.8% | — | ||
| Q3 24 | -338.0% | 6.2% | ||
| Q2 24 | -504.9% | -51.7% |
资本支出强度LCSHIM
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | 3.5% | ||
| Q3 25 | 7.9% | 0.3% | ||
| Q2 25 | 36.5% | 0.4% | ||
| Q1 25 | 6.0% | 0.5% | ||
| Q4 24 | 25.0% | — | ||
| Q3 24 | 6.2% | 1.4% | ||
| Q2 24 | 6.9% | 3.3% |
现金转化率LCSHIM
| 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
SHIM
| Shimmick Projects | $106.8M | 75% |
| Non Core Projects | $35.1M | 25% |
