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LendingClub Corp（LC）与Utz Brands, Inc.（UTZ）财务数据对比。点击上方公司名可切换其他公司
Utz Brands, Inc.的季度营收约是LendingClub Corp的1.4倍（$361.3M vs $252.3M），LendingClub Corp同比增速更快（15.9% vs 2.6%），过去两年LendingClub Corp的营收复合增速更高（16.1% vs -0.2%）
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。
Utz Brands, Inc.常简称为Utz，是总部位于美国宾夕法尼亚州汉诺威的休闲食品企业。该公司主打生产薯片、碱水脆饼等多种休闲食品，大部分产品以旗下品牌矩阵发售，同时也为仓储式会员店和批发商供应休闲零食。
LC vs UTZ — 直观对比
营收规模更大
UTZ
是对方的1.4倍
$252.3M
营收增速更快
LC
高出13.3%
2.6%
两年增速更快
LC
近两年复合增速
-0.2%
损益表 — Q1 FY2026 vs Q1 FY2027
| 指标 | | |
|---|---|---|
| 营收 | $252.3M | $361.3M |
| 净利润 | $51.6M | — |
| 毛利率 | — | 25.4% |
| 营业利润率 | — | 2.2% |
| 净利率 | 20.5% | — |
| 营收同比 | 15.9% | 2.6% |
| 净利润同比 | 341.0% | — |
| 每股收益（稀释后） | $0.44 | $-0.02 |
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LCUTZ
| Q1 26 | $252.3M | $361.3M | ||
| Q4 25 | $266.5M | — | ||
| Q3 25 | $266.2M | — | ||
| Q2 25 | $248.4M | — | ||
| Q1 25 | $217.7M | — | ||
| Q4 24 | $217.2M | $341.0M | ||
| Q3 24 | $201.9M | $365.5M | ||
| Q2 24 | $187.2M | $356.2M |
净利润LCUTZ
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | $44.3M | — | ||
| Q2 25 | $38.2M | — | ||
| Q1 25 | $11.7M | — | ||
| Q4 24 | — | $2.3M | ||
| Q3 24 | $14.5M | $-2.2M | ||
| Q2 24 | $14.9M | $19.8M |
毛利率LCUTZ
| Q1 26 | — | 25.4% | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 25.5% | ||
| Q3 24 | — | 26.9% | ||
| Q2 24 | — | 26.7% |
营业利润率LCUTZ
| Q1 26 | — | 2.2% | ||
| Q4 25 | 18.8% | — | ||
| Q3 25 | 21.5% | — | ||
| Q2 25 | 21.7% | — | ||
| Q1 25 | 7.2% | — | ||
| Q4 24 | 5.1% | 2.1% | ||
| Q3 24 | 8.9% | 5.3% | ||
| Q2 24 | 10.4% | 6.3% |
净利率LCUTZ
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 16.6% | — | ||
| Q2 25 | 15.4% | — | ||
| Q1 25 | 5.4% | — | ||
| Q4 24 | — | 0.7% | ||
| Q3 24 | 7.2% | -0.6% | ||
| Q2 24 | 8.0% | 5.6% |
每股收益（稀释后）LCUTZ
| Q1 26 | $0.44 | $-0.02 | ||
| Q4 25 | $0.36 | — | ||
| Q3 25 | $0.37 | — | ||
| Q2 25 | $0.33 | — | ||
| Q1 25 | $0.10 | — | ||
| Q4 24 | $0.08 | $0.04 | ||
| Q3 24 | $0.13 | $-0.03 | ||
| Q2 24 | $0.13 | $0.23 |
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 | — | $73.7M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.5B | $709.5M |
| 总资产 | $11.9B | $2.8B |
| 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LCUTZ
| Q1 26 | — | $73.7M | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $56.1M | ||
| Q3 24 | — | $64.9M | ||
| Q2 24 | — | $66.6M |
总债务LCUTZ
| Q1 26 | — | — | ||
| Q4 25 | $0 | — | ||
| Q3 25 | $0 | — | ||
| Q2 25 | $0 | — | ||
| Q1 25 | $0 | — | ||
| Q4 24 | $0 | $768.6M | ||
| Q3 24 | — | $780.8M | ||
| Q2 24 | — | $797.6M |
股东权益LCUTZ
| Q1 26 | $1.5B | $709.5M | ||
| Q4 25 | $1.5B | — | ||
| Q3 25 | $1.5B | — | ||
| Q2 25 | $1.4B | — | ||
| Q1 25 | $1.4B | — | ||
| Q4 24 | $1.3B | $696.9M | ||
| Q3 24 | $1.3B | $685.7M | ||
| Q2 24 | $1.3B | $686.0M |
总资产LCUTZ
| Q1 26 | $11.9B | $2.8B | ||
| Q4 25 | $11.6B | — | ||
| Q3 25 | $11.1B | — | ||
| Q2 25 | $10.8B | — | ||
| Q1 25 | $10.5B | — | ||
| Q4 24 | $10.6B | $2.7B | ||
| Q3 24 | $11.0B | $2.6B | ||
| Q2 24 | $9.6B | $2.7B |
负债/权益比LCUTZ
| Q1 26 | — | — | ||
| Q4 25 | 0.00× | — | ||
| Q3 25 | 0.00× | — | ||
| Q2 25 | 0.00× | — | ||
| Q1 25 | 0.00× | — | ||
| Q4 24 | 0.00× | 1.10× | ||
| Q3 24 | — | 1.14× | ||
| Q2 24 | — | 1.16× |
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 | — | $-12.2M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | 3.8% |
| 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 | — | — |
8季度趋势，按日历期对齐
经营现金流LCUTZ
| Q1 26 | — | $-12.2M | ||
| Q4 25 | $-2.7B | — | ||
| Q3 25 | $-770.8M | — | ||
| Q2 25 | $-713.1M | — | ||
| Q1 25 | $-339.3M | — | ||
| Q4 24 | $-2.6B | $54.2M | ||
| Q3 24 | $-669.8M | $52.2M | ||
| Q2 24 | $-932.5M | $8.9M |
自由现金流LCUTZ
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | — | ||
| Q3 25 | $-791.8M | — | ||
| Q2 25 | $-803.8M | — | ||
| Q1 25 | $-352.3M | — | ||
| Q4 24 | $-2.7B | $16.5M | ||
| Q3 24 | $-682.3M | $29.1M | ||
| Q2 24 | $-945.3M | $-15.3M |
自由现金流率LCUTZ
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | — | ||
| Q3 25 | -297.4% | — | ||
| Q2 25 | -323.5% | — | ||
| Q1 25 | -161.8% | — | ||
| Q4 24 | -1237.8% | 4.8% | ||
| Q3 24 | -338.0% | 8.0% | ||
| Q2 24 | -504.9% | -4.3% |
资本支出强度LCUTZ
| Q1 26 | — | 3.8% | ||
| Q4 25 | 52.7% | — | ||
| Q3 25 | 7.9% | — | ||
| Q2 25 | 36.5% | — | ||
| Q1 25 | 6.0% | — | ||
| Q4 24 | 25.0% | 11.1% | ||
| Q3 24 | 6.2% | 6.3% | ||
| Q2 24 | 6.9% | 6.8% |
现金转化率LCUTZ
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | -17.41× | — | ||
| Q2 25 | -18.68× | — | ||
| Q1 25 | -29.07× | — | ||
| Q4 24 | — | 23.67× | ||
| Q3 24 | -46.33× | — | ||
| Q2 24 | -62.57× | 0.45× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
