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LendingClub Corp（LC）与世纪互联（VNET）财务数据对比。点击上方公司名可切换其他公司
世纪互联的季度营收约是LendingClub Corp的1.4倍（$362.7M vs $252.3M），LendingClub Corp净利率更高（20.5% vs -10.7%，领先31.1%），过去两年世纪互联的营收复合增速更高（17.4% vs 16.1%）
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。
VNET Group即世纪互联，是中国领先的第三方中立数据中心服务商，提供机柜托管、云基础设施、混合云部署及网络管理等解决方案，服务覆盖科技、金融、零售等多领域企业客户，为企业数字化运营提供稳定的算力与网络支撑。
LC vs VNET — 直观对比
营收规模更大
VNET
是对方的1.4倍
$252.3M
净利率更高
LC
高出31.1%
-10.7%
两年增速更快
VNET
近两年复合增速
16.1%
损益表 — Q1 FY2026 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $252.3M | $362.7M |
| 净利润 | $51.6M | $-38.7M |
| 毛利率 | — | 20.9% |
| 营业利润率 | — | 0.5% |
| 净利率 | 20.5% | -10.7% |
| 营收同比 | 15.9% | — |
| 净利润同比 | 341.0% | — |
| 每股收益（稀释后） | $0.44 | — |
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LCVNET
| Q1 26 | $252.3M | — | ||
| Q4 25 | $266.5M | — | ||
| Q3 25 | $266.2M | $362.7M | ||
| Q2 25 | $248.4M | — | ||
| Q1 25 | $217.7M | $309.5M | ||
| Q4 24 | $217.2M | — | ||
| Q3 24 | $201.9M | $302.2M | ||
| Q2 24 | $187.2M | $274.4M |
净利润LCVNET
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | $44.3M | $-38.7M | ||
| Q2 25 | $38.2M | — | ||
| Q1 25 | $11.7M | $-2.4M | ||
| Q4 24 | — | — | ||
| Q3 24 | $14.5M | $-2.1M | ||
| Q2 24 | $14.9M | $-1.1M |
毛利率LCVNET
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 20.9% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 25.2% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 23.2% | ||
| Q2 24 | — | 21.3% |
营业利润率LCVNET
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | — | ||
| Q3 25 | 21.5% | 0.5% | ||
| Q2 25 | 21.7% | — | ||
| Q1 25 | 7.2% | 0.1% | ||
| Q4 24 | 5.1% | — | ||
| Q3 24 | 8.9% | 24.5% | ||
| Q2 24 | 10.4% | 0.2% |
净利率LCVNET
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 16.6% | -10.7% | ||
| Q2 25 | 15.4% | — | ||
| Q1 25 | 5.4% | -0.8% | ||
| Q4 24 | — | — | ||
| Q3 24 | 7.2% | -0.7% | ||
| Q2 24 | 8.0% | -0.4% |
每股收益（稀释后）LCVNET
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | — | ||
| Q3 25 | $0.37 | — | ||
| Q2 25 | $0.33 | — | ||
| Q1 25 | $0.10 | — | ||
| Q4 24 | $0.08 | — | ||
| Q3 24 | $0.13 | — | ||
| Q2 24 | $0.13 | — |
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 | — | $492.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.5B | $890.8M |
| 总资产 | $11.9B | $6.1B |
| 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LCVNET
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $492.1M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $544.3M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $219.5M | ||
| Q2 24 | — | $247.2M |
总债务LCVNET
| Q1 26 | — | — | ||
| Q4 25 | $0 | — | ||
| Q3 25 | $0 | — | ||
| Q2 25 | $0 | — | ||
| Q1 25 | $0 | — | ||
| Q4 24 | $0 | — | ||
| Q3 24 | — | $1.2B | ||
| Q2 24 | — | — |
股东权益LCVNET
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | — | ||
| Q3 25 | $1.5B | $890.8M | ||
| Q2 25 | $1.4B | — | ||
| Q1 25 | $1.4B | $927.8M | ||
| Q4 24 | $1.3B | — | ||
| Q3 24 | $1.3B | $902.9M | ||
| Q2 24 | $1.3B | $900.6M |
总资产LCVNET
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | — | ||
| Q3 25 | $11.1B | $6.1B | ||
| Q2 25 | $10.8B | — | ||
| Q1 25 | $10.5B | $5.4B | ||
| Q4 24 | $10.6B | — | ||
| Q3 24 | $11.0B | $4.3B | ||
| Q2 24 | $9.6B | $4.0B |
负债/权益比LCVNET
| Q1 26 | — | — | ||
| Q4 25 | 0.00× | — | ||
| Q3 25 | 0.00× | — | ||
| Q2 25 | 0.00× | — | ||
| Q1 25 | 0.00× | — | ||
| Q4 24 | 0.00× | — | ||
| Q3 24 | — | 1.28× | ||
| 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 | — | $113.8M |
| 自由现金流经营现金流 - 资本支出 | — | $-193.1M |
| 自由现金流率自由现金流/营收 | — | -53.2% |
| 资本支出强度资本支出/营收 | — | 84.6% |
| 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 | — | $-589.7M |
8季度趋势，按日历期对齐
经营现金流LCVNET
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | — | ||
| Q3 25 | $-770.8M | $113.8M | ||
| Q2 25 | $-713.1M | — | ||
| Q1 25 | $-339.3M | $27.0M | ||
| Q4 24 | $-2.6B | — | ||
| Q3 24 | $-669.8M | $108.3M | ||
| Q2 24 | $-932.5M | $55.8M |
自由现金流LCVNET
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | — | ||
| Q3 25 | $-791.8M | $-193.1M | ||
| Q2 25 | $-803.8M | — | ||
| Q1 25 | $-352.3M | $-220.0M | ||
| Q4 24 | $-2.7B | — | ||
| Q3 24 | $-682.3M | $-95.0M | ||
| Q2 24 | $-945.3M | $-81.6M |
自由现金流率LCVNET
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | — | ||
| Q3 25 | -297.4% | -53.2% | ||
| Q2 25 | -323.5% | — | ||
| Q1 25 | -161.8% | -71.1% | ||
| Q4 24 | -1237.8% | — | ||
| Q3 24 | -338.0% | -31.4% | ||
| Q2 24 | -504.9% | -29.8% |
资本支出强度LCVNET
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | — | ||
| Q3 25 | 7.9% | 84.6% | ||
| Q2 25 | 36.5% | — | ||
| Q1 25 | 6.0% | 79.8% | ||
| Q4 24 | 25.0% | — | ||
| Q3 24 | 6.2% | 67.3% | ||
| Q2 24 | 6.9% | 50.1% |
现金转化率LCVNET
| 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
