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LendingClub Corp（LC）与Wheels Up Experience Inc.（UP）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Wheels Up Experience Inc.的1.4倍（$252.3M vs $183.8M），LendingClub Corp净利率更高（20.5% vs -15.7%，领先36.2%），LendingClub Corp同比增速更快（15.9% vs -10.2%），过去两年LendingClub Corp的营收复合增速更高（16.1% vs -3.4%）
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。
Wheels Up是美国领先的按需私人航空服务提供商，也是全球规模最大的私人航空企业之一。公司由肯尼·迪希特创立于2013年，采用会员制按需服务的商业模式，会员可通过移动应用程序，从公司自有机队及第三方运营商处预订私人飞机出行。
LC vs UP — 直观对比
营收规模更大
LC
是对方的1.4倍
$183.8M
营收增速更快
LC
高出26.1%
-10.2%
净利率更高
LC
高出36.2%
-15.7%
两年增速更快
LC
近两年复合增速
-3.4%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $252.3M | $183.8M |
| 净利润 | $51.6M | $-28.9M |
| 毛利率 | — | 14.3% |
| 营业利润率 | — | -0.9% |
| 净利率 | 20.5% | -15.7% |
| 营收同比 | 15.9% | -10.2% |
| 净利润同比 | 341.0% | 67.0% |
| 每股收益（稀释后） | $0.44 | $-0.04 |
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LCUP
| Q1 26 | $252.3M | — | ||
| Q4 25 | $266.5M | $183.8M | ||
| Q3 25 | $266.2M | $185.5M | ||
| Q2 25 | $248.4M | $189.6M | ||
| Q1 25 | $217.7M | $177.5M | ||
| Q4 24 | $217.2M | $204.8M | ||
| Q3 24 | $201.9M | $193.9M | ||
| Q2 24 | $187.2M | $196.3M |
净利润LCUP
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | $-28.9M | ||
| Q3 25 | $44.3M | $-83.7M | ||
| Q2 25 | $38.2M | $-82.3M | ||
| Q1 25 | $11.7M | $-99.3M | ||
| Q4 24 | — | $-87.5M | ||
| Q3 24 | $14.5M | $-57.7M | ||
| Q2 24 | $14.9M | $-97.0M |
毛利率LCUP
| Q1 26 | — | — | ||
| Q4 25 | — | 14.3% | ||
| Q3 25 | — | 6.8% | ||
| Q2 25 | — | 8.3% | ||
| Q1 25 | — | 10.8% | ||
| Q4 24 | — | 13.9% | ||
| Q3 24 | — | 13.9% | ||
| Q2 24 | — | 2.3% |
营业利润率LCUP
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | -0.9% | ||
| Q3 25 | 21.5% | -33.1% | ||
| Q2 25 | 21.7% | -31.4% | ||
| Q1 25 | 7.2% | -45.5% | ||
| Q4 24 | 5.1% | -26.0% | ||
| Q3 24 | 8.9% | -21.6% | ||
| Q2 24 | 10.4% | -40.3% |
净利率LCUP
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | -15.7% | ||
| Q3 25 | 16.6% | -45.1% | ||
| Q2 25 | 15.4% | -43.4% | ||
| Q1 25 | 5.4% | -55.9% | ||
| Q4 24 | — | -42.7% | ||
| Q3 24 | 7.2% | -29.8% | ||
| Q2 24 | 8.0% | -49.4% |
每股收益（稀释后）LCUP
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | $-0.04 | ||
| Q3 25 | $0.37 | $-0.12 | ||
| Q2 25 | $0.33 | $-0.12 | ||
| Q1 25 | $0.10 | $-0.14 | ||
| Q4 24 | $0.08 | $-0.13 | ||
| Q3 24 | $0.13 | $-0.08 | ||
| Q2 24 | $0.13 | $-0.14 |
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 | — | $133.9M |
| 总债务越低越好 | — | $671.3M |
| 股东权益账面价值 | $1.5B | $-392.1M |
| 总资产 | $11.9B | $968.8M |
| 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LCUP
| Q1 26 | — | — | ||
| Q4 25 | — | $133.9M | ||
| Q3 25 | — | $125.3M | ||
| Q2 25 | — | $107.0M | ||
| Q1 25 | — | $171.8M | ||
| Q4 24 | — | $216.4M | ||
| Q3 24 | — | $115.9M | ||
| Q2 24 | — | $141.5M |
总债务LCUP
| Q1 26 | — | — | ||
| Q4 25 | $0 | $671.3M | ||
| Q3 25 | $0 | $766.5M | ||
| Q2 25 | $0 | $770.5M | ||
| Q1 25 | $0 | $765.8M | ||
| Q4 24 | $0 | $761.3M | ||
| Q3 24 | — | $596.9M | ||
| Q2 24 | — | $597.4M |
股东权益LCUP
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | $-392.1M | ||
| Q3 25 | $1.5B | $-374.5M | ||
| Q2 25 | $1.4B | $-347.8M | ||
| Q1 25 | $1.4B | $-288.1M | ||
| Q4 24 | $1.3B | $-202.1M | ||
| Q3 24 | $1.3B | $-117.7M | ||
| Q2 24 | $1.3B | $-72.2M |
总资产LCUP
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | $968.8M | ||
| Q3 25 | $11.1B | $973.0M | ||
| Q2 25 | $10.8B | $1.0B | ||
| Q1 25 | $10.5B | $1.1B | ||
| Q4 24 | $10.6B | $1.2B | ||
| Q3 24 | $11.0B | $1.0B | ||
| Q2 24 | $9.6B | $1.1B |
负债/权益比LCUP
| 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 | — | $-18.4M |
| 自由现金流经营现金流 - 资本支出 | — | $-58.3M |
| 自由现金流率自由现金流/营收 | — | -31.7% |
| 资本支出强度资本支出/营收 | — | 21.7% |
| 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 | — | $-259.9M |
8季度趋势，按日历期对齐
经营现金流LCUP
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | $-18.4M | ||
| Q3 25 | $-770.8M | $-37.1M | ||
| Q2 25 | $-713.1M | $-62.9M | ||
| Q1 25 | $-339.3M | $-47.9M | ||
| Q4 24 | $-2.6B | $37.9M | ||
| Q3 24 | $-669.8M | $-16.9M | ||
| Q2 24 | $-932.5M | $-25.2M |
自由现金流LCUP
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | $-58.3M | ||
| Q3 25 | $-791.8M | $-60.4M | ||
| Q2 25 | $-803.8M | $-78.6M | ||
| Q1 25 | $-352.3M | $-62.6M | ||
| Q4 24 | $-2.7B | $-70.2M | ||
| Q3 24 | $-682.3M | $-21.9M | ||
| Q2 24 | $-945.3M | $-30.8M |
自由现金流率LCUP
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | -31.7% | ||
| Q3 25 | -297.4% | -32.6% | ||
| Q2 25 | -323.5% | -41.5% | ||
| Q1 25 | -161.8% | -35.3% | ||
| Q4 24 | -1237.8% | -34.3% | ||
| Q3 24 | -338.0% | -11.3% | ||
| Q2 24 | -504.9% | -15.7% |
资本支出强度LCUP
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | 21.7% | ||
| Q3 25 | 7.9% | 12.5% | ||
| Q2 25 | 36.5% | 8.3% | ||
| Q1 25 | 6.0% | 8.3% | ||
| Q4 24 | 25.0% | 52.8% | ||
| Q3 24 | 6.2% | 2.6% | ||
| Q2 24 | 6.9% | 2.9% |
现金转化率LCUP
| 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
