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LendingClub Corp（LC）与STRATTEC SECURITY CORP（STRT）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STRATTEC SECURITY CORP的1.8倍（$252.3M vs $137.5M），LendingClub Corp净利率更高（20.5% vs 3.6%，领先16.9%），LendingClub Corp同比增速更快（15.9% vs 5.9%），过去两年LendingClub Corp的营收复合增速更高（16.1% vs 7.7%）
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。
STRATTEC安全公司是专业的汽车安全访问解决方案供应商，主营汽车机械与电子锁具、钥匙、无钥匙进入系统等产品，主要服务全球汽车整车厂商、重型车辆制造商及汽车后市场客户，业务覆盖北美、欧洲、亚太等地区。
LC vs STRT — 直观对比
营收规模更大
LC
是对方的1.8倍
$137.5M
营收增速更快
LC
高出10.0%
5.9%
净利率更高
LC
高出16.9%
3.6%
两年增速更快
LC
近两年复合增速
7.7%
损益表 — Q1 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $252.3M | $137.5M |
| 净利润 | $51.6M | $4.9M |
| 毛利率 | — | 16.5% |
| 营业利润率 | — | 3.5% |
| 净利率 | 20.5% | 3.6% |
| 营收同比 | 15.9% | 5.9% |
| 净利润同比 | 341.0% | 275.1% |
| 每股收益（稀释后） | $0.44 | $1.20 |
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LCSTRT
| Q1 26 | $252.3M | — | ||
| Q4 25 | $266.5M | $137.5M | ||
| Q3 25 | $266.2M | $152.4M | ||
| Q2 25 | $248.4M | $152.0M | ||
| Q1 25 | $217.7M | $144.1M | ||
| Q4 24 | $217.2M | $129.9M | ||
| Q3 24 | $201.9M | $139.1M | ||
| Q2 24 | $187.2M | — |
净利润LCSTRT
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | $4.9M | ||
| Q3 25 | $44.3M | $8.5M | ||
| Q2 25 | $38.2M | $8.3M | ||
| Q1 25 | $11.7M | $5.4M | ||
| Q4 24 | — | $1.3M | ||
| Q3 24 | $14.5M | $3.7M | ||
| Q2 24 | $14.9M | — |
毛利率LCSTRT
| Q1 26 | — | — | ||
| Q4 25 | — | 16.5% | ||
| Q3 25 | — | 17.3% | ||
| Q2 25 | — | 16.7% | ||
| Q1 25 | — | 16.0% | ||
| Q4 24 | — | 13.2% | ||
| Q3 24 | — | 13.6% | ||
| Q2 24 | — | — |
营业利润率LCSTRT
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | 3.5% | ||
| Q3 25 | 21.5% | 6.9% | ||
| Q2 25 | 21.7% | 5.6% | ||
| Q1 25 | 7.2% | 4.9% | ||
| Q4 24 | 5.1% | 1.6% | ||
| Q3 24 | 8.9% | 3.6% | ||
| Q2 24 | 10.4% | — |
净利率LCSTRT
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | 3.6% | ||
| Q3 25 | 16.6% | 5.6% | ||
| Q2 25 | 15.4% | 5.4% | ||
| Q1 25 | 5.4% | 3.7% | ||
| Q4 24 | — | 1.0% | ||
| Q3 24 | 7.2% | 2.7% | ||
| Q2 24 | 8.0% | — |
每股收益（稀释后）LCSTRT
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | $1.20 | ||
| Q3 25 | $0.37 | $2.07 | ||
| Q2 25 | $0.33 | $2.02 | ||
| Q1 25 | $0.10 | $1.32 | ||
| Q4 24 | $0.08 | $0.32 | ||
| Q3 24 | $0.13 | $0.92 | ||
| Q2 24 | $0.13 | — |
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 | — | $99.0M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.5B | $236.8M |
| 总资产 | $11.9B | $392.2M |
| 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LCSTRT
| Q1 26 | — | — | ||
| Q4 25 | — | $99.0M | ||
| Q3 25 | — | $90.5M | ||
| Q2 25 | — | $84.6M | ||
| Q1 25 | — | $62.1M | ||
| Q4 24 | — | $42.6M | ||
| Q3 24 | — | $34.4M | ||
| Q2 24 | — | — |
总债务LCSTRT
| 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LCSTRT
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | $236.8M | ||
| Q3 25 | $1.5B | $230.5M | ||
| Q2 25 | $1.4B | $221.6M | ||
| Q1 25 | $1.4B | $210.7M | ||
| Q4 24 | $1.3B | $204.5M | ||
| Q3 24 | $1.3B | $203.0M | ||
| Q2 24 | $1.3B | — |
总资产LCSTRT
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | $392.2M | ||
| Q3 25 | $11.1B | $390.1M | ||
| Q2 25 | $10.8B | $391.5M | ||
| Q1 25 | $10.5B | $387.4M | ||
| Q4 24 | $10.6B | $355.9M | ||
| Q3 24 | $11.0B | $366.9M | ||
| Q2 24 | $9.6B | — |
负债/权益比LCSTRT
| 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 | — | $13.9M |
| 自由现金流经营现金流 - 资本支出 | — | $11.3M |
| 自由现金流率自由现金流/营收 | — | 8.2% |
| 资本支出强度资本支出/营收 | — | 1.9% |
| 现金转化率经营现金流/净利润 | — | 2.81× |
| 过去12个月自由现金流最近4个季度 | — | $67.8M |
8季度趋势，按日历期对齐
经营现金流LCSTRT
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | $13.9M | ||
| Q3 25 | $-770.8M | $11.3M | ||
| Q2 25 | $-713.1M | $30.2M | ||
| Q1 25 | $-339.3M | $20.7M | ||
| Q4 24 | $-2.6B | $9.4M | ||
| Q3 24 | $-669.8M | $11.3M | ||
| Q2 24 | $-932.5M | — |
自由现金流LCSTRT
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | $11.3M | ||
| Q3 25 | $-791.8M | $9.8M | ||
| Q2 25 | $-803.8M | $27.2M | ||
| Q1 25 | $-352.3M | $19.6M | ||
| Q4 24 | $-2.7B | $8.5M | ||
| Q3 24 | $-682.3M | $9.3M | ||
| Q2 24 | $-945.3M | — |
自由现金流率LCSTRT
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | 8.2% | ||
| Q3 25 | -297.4% | 6.4% | ||
| Q2 25 | -323.5% | 17.9% | ||
| Q1 25 | -161.8% | 13.6% | ||
| Q4 24 | -1237.8% | 6.6% | ||
| Q3 24 | -338.0% | 6.7% | ||
| Q2 24 | -504.9% | — |
资本支出强度LCSTRT
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | 1.9% | ||
| Q3 25 | 7.9% | 1.0% | ||
| Q2 25 | 36.5% | 2.0% | ||
| Q1 25 | 6.0% | 0.8% | ||
| Q4 24 | 25.0% | 0.7% | ||
| Q3 24 | 6.2% | 1.5% | ||
| Q2 24 | 6.9% | — |
现金转化率LCSTRT
| Q1 26 | — | — | ||
| Q4 25 | — | 2.81× | ||
| Q3 25 | -17.41× | 1.33× | ||
| Q2 25 | -18.68× | 3.65× | ||
| Q1 25 | -29.07× | 3.84× | ||
| Q4 24 | — | 7.16× | ||
| Q3 24 | -46.33× | 3.06× | ||
| 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
STRT
| Door Handles And Exterior Trim | $35.0M | 25% |
| Power Access Solutions | $34.5M | 25% |
| Keys And Locksets | $26.8M | 19% |
| Latches | $16.3M | 12% |
| User Interface Controls | $12.5M | 9% |
| Aftermarket And Service | $9.4M | 7% |
| Other Product | $3.1M | 2% |
| Related Party | $1.3M | 1% |
