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LendingClub Corp（LC）与Thryv Holdings, Inc.（THRY）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Thryv Holdings, Inc.的1.5倍（$252.3M vs $167.7M），LendingClub Corp净利率更高（20.5% vs 2.7%，领先17.7%），LendingClub Corp同比增速更快（15.9% vs -7.5%），过去两年LendingClub Corp的营收复合增速更高（16.1% vs -13.5%）
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。
Thryv Holdings, Inc.是一家上市软件服务（SaaS）企业，面向中小企业提供客户关系管理与网络声誉管理软件解决方案。公司总部位于得克萨斯州达拉斯，业务覆盖美国48个州，现有员工超过2400名，其前身是多家黄页企业组成的集团。
LC vs THRY — 直观对比
营收规模更大
LC
是对方的1.5倍
$167.7M
营收增速更快
LC
高出23.4%
-7.5%
净利率更高
LC
高出17.7%
2.7%
两年增速更快
LC
近两年复合增速
-13.5%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $252.3M | $167.7M |
| 净利润 | $51.6M | $4.5M |
| 毛利率 | — | 65.2% |
| 营业利润率 | — | 37.3% |
| 净利率 | 20.5% | 2.7% |
| 营收同比 | 15.9% | -7.5% |
| 净利润同比 | 341.0% | 147.2% |
| 每股收益（稀释后） | $0.44 | $0.10 |
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LCTHRY
| Q1 26 | $252.3M | $167.7M | ||
| Q4 25 | $266.5M | $191.6M | ||
| Q3 25 | $266.2M | $201.6M | ||
| Q2 25 | $248.4M | $210.5M | ||
| Q1 25 | $217.7M | $181.4M | ||
| Q4 24 | $217.2M | $186.6M | ||
| Q3 24 | $201.9M | $179.9M | ||
| Q2 24 | $187.2M | $224.1M |
净利润LCTHRY
| Q1 26 | $51.6M | $4.5M | ||
| Q4 25 | — | $-9.7M | ||
| Q3 25 | $44.3M | $5.7M | ||
| Q2 25 | $38.2M | $13.9M | ||
| Q1 25 | $11.7M | $-9.6M | ||
| Q4 24 | — | $7.9M | ||
| Q3 24 | $14.5M | $-96.1M | ||
| Q2 24 | $14.9M | $5.5M |
毛利率LCTHRY
| Q1 26 | — | 65.2% | ||
| Q4 25 | — | 68.0% | ||
| Q3 25 | — | 67.7% | ||
| Q2 25 | — | 69.7% | ||
| Q1 25 | — | 65.8% | ||
| Q4 24 | — | 65.9% | ||
| Q3 24 | — | 62.3% | ||
| Q2 24 | — | 66.3% |
营业利润率LCTHRY
| Q1 26 | — | 37.3% | ||
| Q4 25 | 18.8% | 5.3% | ||
| Q3 25 | 21.5% | 9.9% | ||
| Q2 25 | 21.7% | 14.0% | ||
| Q1 25 | 7.2% | -1.7% | ||
| Q4 24 | 5.1% | -3.9% | ||
| Q3 24 | 8.9% | -49.2% | ||
| Q2 24 | 10.4% | 14.0% |
净利率LCTHRY
| Q1 26 | 20.5% | 2.7% | ||
| Q4 25 | — | -5.0% | ||
| Q3 25 | 16.6% | 2.8% | ||
| Q2 25 | 15.4% | 6.6% | ||
| Q1 25 | 5.4% | -5.3% | ||
| Q4 24 | — | 4.2% | ||
| Q3 24 | 7.2% | -53.4% | ||
| Q2 24 | 8.0% | 2.5% |
每股收益（稀释后）LCTHRY
| Q1 26 | $0.44 | $0.10 | ||
| Q4 25 | $0.36 | $-0.21 | ||
| Q3 25 | $0.37 | $0.13 | ||
| Q2 25 | $0.33 | $0.31 | ||
| Q1 25 | $0.10 | $-0.22 | ||
| Q4 24 | $0.08 | $0.28 | ||
| Q3 24 | $0.13 | $-2.65 | ||
| Q2 24 | $0.13 | $0.15 |
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 | — | $8.0M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.5B | $225.4M |
| 总资产 | $11.9B | $693.7M |
| 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LCTHRY
| Q1 26 | — | $8.0M | ||
| Q4 25 | — | $10.8M | ||
| Q3 25 | — | $11.6M | ||
| Q2 25 | — | $10.8M | ||
| Q1 25 | — | $11.0M | ||
| Q4 24 | — | $16.3M | ||
| Q3 24 | — | $12.5M | ||
| Q2 24 | — | $15.5M |
总债务LCTHRY
| Q1 26 | — | — | ||
| Q4 25 | $0 | $253.5M | ||
| Q3 25 | $0 | $268.2M | ||
| Q2 25 | $0 | $275.6M | ||
| Q1 25 | $0 | $299.0M | ||
| Q4 24 | $0 | $284.3M | ||
| Q3 24 | — | $307.8M | ||
| Q2 24 | — | $342.1M |
股东权益LCTHRY
| Q1 26 | $1.5B | $225.4M | ||
| Q4 25 | $1.5B | $218.1M | ||
| Q3 25 | $1.5B | $221.1M | ||
| Q2 25 | $1.4B | $214.9M | ||
| Q1 25 | $1.4B | $193.2M | ||
| Q4 24 | $1.3B | $196.9M | ||
| Q3 24 | $1.3B | $94.5M | ||
| Q2 24 | $1.3B | $183.1M |
总资产LCTHRY
| Q1 26 | $11.9B | $693.7M | ||
| Q4 25 | $11.6B | $688.6M | ||
| Q3 25 | $11.1B | $701.8M | ||
| Q2 25 | $10.8B | $687.7M | ||
| Q1 25 | $10.5B | $703.7M | ||
| Q4 24 | $10.6B | $712.2M | ||
| Q3 24 | $11.0B | $654.8M | ||
| Q2 24 | $9.6B | $785.5M |
负债/权益比LCTHRY
| Q1 26 | — | — | ||
| Q4 25 | 0.00× | 1.16× | ||
| Q3 25 | 0.00× | 1.21× | ||
| Q2 25 | 0.00× | 1.28× | ||
| Q1 25 | 0.00× | 1.55× | ||
| Q4 24 | 0.00× | 1.44× | ||
| Q3 24 | — | 3.26× | ||
| Q2 24 | — | 1.87× |
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 | — | — |
| 自由现金流经营现金流 - 资本支出 | — | $-5.5M |
| 自由现金流率自由现金流/营收 | — | -3.3% |
| 资本支出强度资本支出/营收 | — | — |
| 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 | — | $43.3M |
8季度趋势，按日历期对齐
经营现金流LCTHRY
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | $22.2M | ||
| Q3 25 | $-770.8M | $22.2M | ||
| Q2 25 | $-713.1M | $29.6M | ||
| Q1 25 | $-339.3M | $-10.5M | ||
| Q4 24 | $-2.6B | $26.1M | ||
| Q3 24 | $-669.8M | $36.0M | ||
| Q2 24 | $-932.5M | $22.2M |
自由现金流LCTHRY
| Q1 26 | — | $-5.5M | ||
| Q4 25 | $-2.9B | $12.3M | ||
| Q3 25 | $-791.8M | $14.6M | ||
| Q2 25 | $-803.8M | $21.8M | ||
| Q1 25 | $-352.3M | $-17.6M | ||
| Q4 24 | $-2.7B | $17.3M | ||
| Q3 24 | $-682.3M | $27.5M | ||
| Q2 24 | $-945.3M | $13.3M |
自由现金流率LCTHRY
| Q1 26 | — | -3.3% | ||
| Q4 25 | -1076.0% | 6.4% | ||
| Q3 25 | -297.4% | 7.2% | ||
| Q2 25 | -323.5% | 10.4% | ||
| Q1 25 | -161.8% | -9.7% | ||
| Q4 24 | -1237.8% | 9.3% | ||
| Q3 24 | -338.0% | 15.3% | ||
| Q2 24 | -504.9% | 5.9% |
资本支出强度LCTHRY
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | 5.2% | ||
| Q3 25 | 7.9% | 3.8% | ||
| Q2 25 | 36.5% | 3.7% | ||
| Q1 25 | 6.0% | 3.9% | ||
| Q4 24 | 25.0% | 4.7% | ||
| Q3 24 | 6.2% | 4.7% | ||
| Q2 24 | 6.9% | 4.0% |
现金转化率LCTHRY
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | -17.41× | 3.93× | ||
| Q2 25 | -18.68× | 2.12× | ||
| Q1 25 | -29.07× | — | ||
| Q4 24 | — | 3.32× | ||
| Q3 24 | -46.33× | — | ||
| Q2 24 | -62.57× | 4.01× |
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
THRY
| SaaS | $116.7M | 70% |
| Other | $50.9M | 30% |
