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LendingClub Corp（LC）与Tecnoglass Inc.（TGLS）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Tecnoglass Inc.的1.0倍（$252.3M vs $245.3M），LendingClub Corp净利率更高（20.5% vs 10.6%，领先9.8%），LendingClub Corp同比增速更快（15.9% vs 2.4%），过去两年LendingClub Corp的营收复合增速更高（16.1% vs 12.8%）
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。
Tecnoglass Inc.是一家领先的建筑玻璃、铝制门窗及相关建材生产商，主要服务北美及拉美地区的住宅和商业建筑领域，为新建及翻新项目提供定制化、高能效的建筑解决方案。
LC vs TGLS — 直观对比
营收规模更大
LC
是对方的1.0倍
$245.3M
营收增速更快
LC
高出13.5%
2.4%
净利率更高
LC
高出9.8%
10.6%
两年增速更快
LC
近两年复合增速
12.8%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $252.3M | $245.3M |
| 净利润 | $51.6M | $26.1M |
| 毛利率 | — | 40.0% |
| 营业利润率 | — | 18.3% |
| 净利率 | 20.5% | 10.6% |
| 营收同比 | 15.9% | 2.4% |
| 净利润同比 | 341.0% | -44.5% |
| 每股收益（稀释后） | $0.44 | $0.57 |
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LCTGLS
| Q1 26 | $252.3M | — | ||
| Q4 25 | $266.5M | $245.3M | ||
| Q3 25 | $266.2M | $260.5M | ||
| Q2 25 | $248.4M | $255.5M | ||
| Q1 25 | $217.7M | $222.3M | ||
| Q4 24 | $217.2M | $239.6M | ||
| Q3 24 | $201.9M | $238.3M | ||
| Q2 24 | $187.2M | $219.7M |
净利润LCTGLS
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | $26.1M | ||
| Q3 25 | $44.3M | $47.2M | ||
| Q2 25 | $38.2M | $44.1M | ||
| Q1 25 | $11.7M | $42.2M | ||
| Q4 24 | — | $47.0M | ||
| Q3 24 | $14.5M | $49.5M | ||
| Q2 24 | $14.9M | $35.0M |
毛利率LCTGLS
| Q1 26 | — | — | ||
| Q4 25 | — | 40.0% | ||
| Q3 25 | — | 42.7% | ||
| Q2 25 | — | 44.7% | ||
| Q1 25 | — | 43.9% | ||
| Q4 24 | — | 44.5% | ||
| Q3 24 | — | 45.8% | ||
| Q2 24 | — | 40.8% |
营业利润率LCTGLS
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | 18.3% | ||
| Q3 25 | 21.5% | 25.1% | ||
| Q2 25 | 21.7% | 24.0% | ||
| Q1 25 | 7.2% | 26.7% | ||
| Q4 24 | 5.1% | 28.0% | ||
| Q3 24 | 8.9% | 28.4% | ||
| Q2 24 | 10.4% | 23.3% |
净利率LCTGLS
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | 10.6% | ||
| Q3 25 | 16.6% | 18.1% | ||
| Q2 25 | 15.4% | 17.3% | ||
| Q1 25 | 5.4% | 19.0% | ||
| Q4 24 | — | 19.6% | ||
| Q3 24 | 7.2% | 20.8% | ||
| Q2 24 | 8.0% | 15.9% |
每股收益（稀释后）LCTGLS
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | $0.57 | ||
| Q3 25 | $0.37 | $1.01 | ||
| Q2 25 | $0.33 | $0.94 | ||
| Q1 25 | $0.10 | $0.90 | ||
| Q4 24 | $0.08 | $1.00 | ||
| Q3 24 | $0.13 | $1.05 | ||
| Q2 24 | $0.13 | $0.75 |
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 | — | $104.1M |
| 总债务越低越好 | — | $174.4M |
| 股东权益账面价值 | $1.5B | $713.1M |
| 总资产 | $11.9B | $1.3B |
| 负债/权益比越低杠杆越低 | — | 0.24× |
8季度趋势，按日历期对齐
现金及短期投资LCTGLS
| Q1 26 | — | — | ||
| Q4 25 | — | $104.1M | ||
| Q3 25 | — | $127.1M | ||
| Q2 25 | — | $140.9M | ||
| Q1 25 | — | $160.2M | ||
| Q4 24 | — | $137.5M | ||
| Q3 24 | — | $124.8M | ||
| Q2 24 | — | $129.5M |
总债务LCTGLS
| Q1 26 | — | — | ||
| Q4 25 | $0 | $174.4M | ||
| Q3 25 | $0 | $114.7M | ||
| Q2 25 | $0 | $110.6M | ||
| Q1 25 | $0 | $110.6M | ||
| Q4 24 | $0 | $111.1M | ||
| Q3 24 | — | $126.8M | ||
| Q2 24 | — | $144.7M |
股东权益LCTGLS
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | $713.1M | ||
| Q3 25 | $1.5B | $764.0M | ||
| Q2 25 | $1.4B | $736.0M | ||
| Q1 25 | $1.4B | $685.1M | ||
| Q4 24 | $1.3B | $631.2M | ||
| Q3 24 | $1.3B | $613.3M | ||
| Q2 24 | $1.3B | $574.8M |
总资产LCTGLS
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | $1.3B | ||
| Q3 25 | $11.1B | $1.2B | ||
| Q2 25 | $10.8B | $1.2B | ||
| Q1 25 | $10.5B | $1.1B | ||
| Q4 24 | $10.6B | $1.0B | ||
| Q3 24 | $11.0B | $996.3M | ||
| Q2 24 | $9.6B | $942.5M |
负债/权益比LCTGLS
| Q1 26 | — | — | ||
| Q4 25 | 0.00× | 0.24× | ||
| Q3 25 | 0.00× | 0.15× | ||
| Q2 25 | 0.00× | 0.15× | ||
| Q1 25 | 0.00× | 0.16× | ||
| Q4 24 | 0.00× | 0.18× | ||
| Q3 24 | — | 0.21× | ||
| Q2 24 | — | 0.25× |
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 | — | $31.0M |
| 自由现金流经营现金流 - 资本支出 | — | $11.4M |
| 自由现金流率自由现金流/营收 | — | 4.7% |
| 资本支出强度资本支出/营收 | — | 8.0% |
| 现金转化率经营现金流/净利润 | — | 1.19× |
| 过去12个月自由现金流最近4个季度 | — | $34.5M |
8季度趋势，按日历期对齐
经营现金流LCTGLS
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | $31.0M | ||
| Q3 25 | $-770.8M | $40.0M | ||
| Q2 25 | $-713.1M | $17.9M | ||
| Q1 25 | $-339.3M | $46.9M | ||
| Q4 24 | $-2.6B | $61.1M | ||
| Q3 24 | $-669.8M | $41.5M | ||
| Q2 24 | $-932.5M | $34.5M |
自由现金流LCTGLS
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | $11.4M | ||
| Q3 25 | $-791.8M | $21.2M | ||
| Q2 25 | $-803.8M | $-14.7M | ||
| Q1 25 | $-352.3M | $16.5M | ||
| Q4 24 | $-2.7B | $35.4M | ||
| Q3 24 | $-682.3M | $17.8M | ||
| Q2 24 | $-945.3M | $14.2M |
自由现金流率LCTGLS
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | 4.7% | ||
| Q3 25 | -297.4% | 8.2% | ||
| Q2 25 | -323.5% | -5.7% | ||
| Q1 25 | -161.8% | 7.4% | ||
| Q4 24 | -1237.8% | 14.8% | ||
| Q3 24 | -338.0% | 7.5% | ||
| Q2 24 | -504.9% | 6.5% |
资本支出强度LCTGLS
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | 8.0% | ||
| Q3 25 | 7.9% | 7.2% | ||
| Q2 25 | 36.5% | 12.7% | ||
| Q1 25 | 6.0% | 13.7% | ||
| Q4 24 | 25.0% | 10.7% | ||
| Q3 24 | 6.2% | 9.9% | ||
| Q2 24 | 6.9% | 9.2% |
现金转化率LCTGLS
| Q1 26 | — | — | ||
| Q4 25 | — | 1.19× | ||
| Q3 25 | -17.41× | 0.85× | ||
| Q2 25 | -18.68× | 0.41× | ||
| Q1 25 | -29.07× | 1.11× | ||
| Q4 24 | — | 1.30× | ||
| Q3 24 | -46.33× | 0.84× | ||
| Q2 24 | -62.57× | 0.98× |
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
TGLS
| Product Sales | $164.2M | 67% |
| Fixed Price Contracts | $81.1M | 33% |
| Related Party | $692.0K | 0% |
