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LendingClub Corp（LC）与UNITIL CORP（UTL）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UNITIL CORP的1.6倍（$252.3M vs $161.5M），LendingClub Corp净利率更高（20.5% vs 11.8%，领先8.7%），UNITIL CORP同比增速更快（26.7% vs 15.9%），过去两年LendingClub Corp的营收复合增速更高（16.1% vs -4.9%）
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。
Unitil是一家跨州电力与天然气公用事业公司，业务覆盖美国新罕布什尔州、马萨诸塞州与缅因州。公司最早前身是1849年在缅因州成立的波特兰煤气灯公司，现企业主体于1984年设立，总部位于新罕布什尔州。目前公司总市值约6.8651亿美元，为约10.24万电力客户、超7.59万天然气客户提供服务。
LC vs UTL — 直观对比
营收规模更大
LC
是对方的1.6倍
$161.5M
营收增速更快
UTL
高出10.8%
15.9%
净利率更高
LC
高出8.7%
11.8%
两年增速更快
LC
近两年复合增速
-4.9%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $252.3M | $161.5M |
| 净利润 | $51.6M | $19.0M |
| 毛利率 | — | — |
| 营业利润率 | — | 21.5% |
| 净利率 | 20.5% | 11.8% |
| 营收同比 | 15.9% | 26.7% |
| 净利润同比 | 341.0% | 21.8% |
| 每股收益（稀释后） | $0.44 | $1.05 |
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LCUTL
| Q1 26 | $252.3M | — | ||
| Q4 25 | $266.5M | $161.5M | ||
| Q3 25 | $266.2M | $101.1M | ||
| Q2 25 | $248.4M | $102.6M | ||
| Q1 25 | $217.7M | $170.8M | ||
| Q4 24 | $217.2M | $127.5M | ||
| Q3 24 | $201.9M | $92.9M | ||
| Q2 24 | $187.2M | $95.7M |
净利润LCUTL
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | $19.0M | ||
| Q3 25 | $44.3M | $-300.0K | ||
| Q2 25 | $38.2M | $4.0M | ||
| Q1 25 | $11.7M | $27.5M | ||
| Q4 24 | — | $15.6M | ||
| Q3 24 | $14.5M | $0 | ||
| Q2 24 | $14.9M | $4.3M |
营业利润率LCUTL
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | 21.5% | ||
| Q3 25 | 21.5% | 6.9% | ||
| Q2 25 | 21.7% | 13.0% | ||
| Q1 25 | 7.2% | 27.0% | ||
| Q4 24 | 5.1% | 22.1% | ||
| Q3 24 | 8.9% | 6.2% | ||
| Q2 24 | 10.4% | 13.0% |
净利率LCUTL
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | 11.8% | ||
| Q3 25 | 16.6% | -0.3% | ||
| Q2 25 | 15.4% | 3.9% | ||
| Q1 25 | 5.4% | 16.1% | ||
| Q4 24 | — | 12.2% | ||
| Q3 24 | 7.2% | — | ||
| Q2 24 | 8.0% | 4.5% |
每股收益（稀释后）LCUTL
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | $1.05 | ||
| Q3 25 | $0.37 | $-0.02 | ||
| Q2 25 | $0.33 | $0.25 | ||
| Q1 25 | $0.10 | $1.69 | ||
| Q4 24 | $0.08 | $0.97 | ||
| Q3 24 | $0.13 | $0.00 | ||
| Q2 24 | $0.13 | $0.27 |
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 | — | $15.6M |
| 总债务越低越好 | — | $670.5M |
| 股东权益账面价值 | $1.5B | $609.6M |
| 总资产 | $11.9B | $2.1B |
| 负债/权益比越低杠杆越低 | — | 1.10× |
8季度趋势，按日历期对齐
现金及短期投资LCUTL
| Q1 26 | — | — | ||
| Q4 25 | — | $15.6M | ||
| Q3 25 | — | $14.6M | ||
| Q2 25 | — | $8.5M | ||
| Q1 25 | — | $10.2M | ||
| Q4 24 | — | $6.3M | ||
| Q3 24 | — | $6.3M | ||
| Q2 24 | — | $2.8M |
总债务LCUTL
| Q1 26 | — | — | ||
| Q4 25 | $0 | $670.5M | ||
| Q3 25 | $0 | $670.5M | ||
| Q2 25 | $0 | $640.7M | ||
| Q1 25 | $0 | $642.1M | ||
| Q4 24 | $0 | $643.3M | ||
| Q3 24 | — | $643.3M | ||
| Q2 24 | — | $511.3M |
股东权益LCUTL
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | $609.6M | ||
| Q3 25 | $1.5B | $597.2M | ||
| Q2 25 | $1.4B | $532.8M | ||
| Q1 25 | $1.4B | $534.1M | ||
| Q4 24 | $1.3B | $512.5M | ||
| Q3 24 | $1.3B | $502.4M | ||
| Q2 24 | $1.3B | $508.8M |
总资产LCUTL
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | $2.1B | ||
| Q3 25 | $11.1B | $1.9B | ||
| Q2 25 | $10.8B | $1.9B | ||
| Q1 25 | $10.5B | $1.9B | ||
| Q4 24 | $10.6B | $1.8B | ||
| Q3 24 | $11.0B | $1.7B | ||
| Q2 24 | $9.6B | $1.7B |
负债/权益比LCUTL
| Q1 26 | — | — | ||
| Q4 25 | 0.00× | 1.10× | ||
| Q3 25 | 0.00× | 1.12× | ||
| Q2 25 | 0.00× | 1.20× | ||
| Q1 25 | 0.00× | 1.20× | ||
| Q4 24 | 0.00× | 1.26× | ||
| Q3 24 | — | 1.28× | ||
| Q2 24 | — | 1.00× |
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 | — | $21.4M |
| 自由现金流经营现金流 - 资本支出 | — | $-36.3M |
| 自由现金流率自由现金流/营收 | — | -22.5% |
| 资本支出强度资本支出/营收 | — | 35.7% |
| 现金转化率经营现金流/净利润 | — | 1.13× |
| 过去12个月自由现金流最近4个季度 | — | $-53.8M |
8季度趋势，按日历期对齐
经营现金流LCUTL
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | $21.4M | ||
| Q3 25 | $-770.8M | $15.6M | ||
| Q2 25 | $-713.1M | $42.2M | ||
| Q1 25 | $-339.3M | $52.1M | ||
| Q4 24 | $-2.6B | $23.3M | ||
| Q3 24 | $-669.8M | $26.1M | ||
| Q2 24 | $-932.5M | $49.9M |
自由现金流LCUTL
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | $-36.3M | ||
| Q3 25 | $-791.8M | $-39.0M | ||
| Q2 25 | $-803.8M | $2.0M | ||
| Q1 25 | $-352.3M | $19.5M | ||
| Q4 24 | $-2.7B | $-32.3M | ||
| Q3 24 | $-682.3M | $-31.3M | ||
| Q2 24 | $-945.3M | $13.2M |
自由现金流率LCUTL
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | -22.5% | ||
| Q3 25 | -297.4% | -38.6% | ||
| Q2 25 | -323.5% | 1.9% | ||
| Q1 25 | -161.8% | 11.4% | ||
| Q4 24 | -1237.8% | -25.3% | ||
| Q3 24 | -338.0% | -33.7% | ||
| Q2 24 | -504.9% | 13.8% |
资本支出强度LCUTL
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | 35.7% | ||
| Q3 25 | 7.9% | 54.0% | ||
| Q2 25 | 36.5% | 39.2% | ||
| Q1 25 | 6.0% | 19.1% | ||
| Q4 24 | 25.0% | 43.6% | ||
| Q3 24 | 6.2% | 61.8% | ||
| Q2 24 | 6.9% | 38.3% |
现金转化率LCUTL
| Q1 26 | — | — | ||
| Q4 25 | — | 1.13× | ||
| Q3 25 | -17.41× | — | ||
| Q2 25 | -18.68× | 10.55× | ||
| Q1 25 | -29.07× | 1.89× | ||
| Q4 24 | — | 1.49× | ||
| Q3 24 | -46.33× | — | ||
| Q2 24 | -62.57× | 11.60× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
