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LendingClub Corp（LC）与WEBSTER FINANCIAL CORP（WBS）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WEBSTER FINANCIAL CORP的4.5倍（$266.5M vs $58.7M）。LendingClub Corp同比增速更快（22.7% vs -0.2%）。WEBSTER FINANCIAL CORP自由现金流更多（$301.8M vs $-919.3M）。过去两年LendingClub Corp的营收复合增速更高（21.4% vs -4.2%）
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。
韦伯斯特银行是总部位于美国康涅狄格州斯坦福德的商业银行，业务覆盖康涅狄格州、马萨诸塞州、罗德岛州、新泽西州，以及纽约州的威彻斯特、奥兰治、阿尔斯特、罗克兰县和纽约市，共设有177家营业网点和316台自动柜员机。
LC vs WBS — 直观对比
营收规模更大
LC
是对方的4.5倍
$58.7M
营收增速更快
LC
高出22.8%
-0.2%
自由现金流更多
WBS
多$1.2B
$-919.3M
两年增速更快
LC
近两年复合增速
-4.2%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $266.5M | $58.7M |
| 净利润 | — | $255.8M |
| 毛利率 | — | — |
| 营业利润率 | 18.8% | — |
| 净利率 | — | 435.9% |
| 营收同比 | 22.7% | -0.2% |
| 净利润同比 | — | 43.9% |
| 每股收益（稀释后） | $0.36 | $1.54 |
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LCWBS
| Q4 25 | $266.5M | $58.7M | ||
| Q3 25 | $266.2M | $59.1M | ||
| Q2 25 | $248.4M | $59.4M | ||
| Q1 25 | $217.7M | $60.8M | ||
| Q4 24 | $217.2M | $58.8M | ||
| Q3 24 | $201.9M | $61.1M | ||
| Q2 24 | $187.2M | $61.8M | ||
| Q1 24 | $180.7M | $64.0M |
净利润LCWBS
| Q4 25 | — | $255.8M | ||
| Q3 25 | $44.3M | $261.2M | ||
| Q2 25 | $38.2M | $258.8M | ||
| Q1 25 | $11.7M | $226.9M | ||
| Q4 24 | — | $177.8M | ||
| Q3 24 | $14.5M | $193.0M | ||
| Q2 24 | $14.9M | $181.6M | ||
| Q1 24 | $12.3M | $216.3M |
营业利润率LCWBS
| Q4 25 | 18.8% | — | ||
| Q3 25 | 21.5% | — | ||
| Q2 25 | 21.7% | — | ||
| Q1 25 | 7.2% | — | ||
| Q4 24 | 5.1% | — | ||
| Q3 24 | 8.9% | — | ||
| Q2 24 | 10.4% | — | ||
| Q1 24 | 9.1% | — |
净利率LCWBS
| Q4 25 | — | 435.9% | ||
| Q3 25 | 16.6% | 442.3% | ||
| Q2 25 | 15.4% | 435.6% | ||
| Q1 25 | 5.4% | 373.4% | ||
| Q4 24 | — | 302.4% | ||
| Q3 24 | 7.2% | 316.0% | ||
| Q2 24 | 8.0% | 293.7% | ||
| Q1 24 | 6.8% | 338.0% |
每股收益（稀释后）LCWBS
| Q4 25 | $0.36 | $1.54 | ||
| Q3 25 | $0.37 | $1.54 | ||
| Q2 25 | $0.33 | $1.52 | ||
| Q1 25 | $0.10 | $1.30 | ||
| Q4 24 | $0.08 | $1.01 | ||
| Q3 24 | $0.13 | $1.10 | ||
| Q2 24 | $0.13 | $1.03 | ||
| Q1 24 | $0.11 | $1.23 |
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 | — | — |
| 总债务越低越好 | $0 | $739.5M |
| 股东权益账面价值 | $1.5B | $9.5B |
| 总资产 | $11.6B | $84.1B |
| 负债/权益比越低杠杆越低 | 0.00× | 0.08× |
8季度趋势，按日历期对齐
总债务LCWBS
| Q4 25 | $0 | $739.5M | ||
| Q3 25 | $0 | $1.2B | ||
| Q2 25 | $0 | $905.6M | ||
| Q1 25 | $0 | $907.4M | ||
| Q4 24 | $0 | $909.2M | ||
| Q3 24 | — | $911.0M | ||
| Q2 24 | — | $912.7M | ||
| Q1 24 | — | $914.5M |
股东权益LCWBS
| Q4 25 | $1.5B | $9.5B | ||
| Q3 25 | $1.5B | $9.5B | ||
| Q2 25 | $1.4B | $9.3B | ||
| Q1 25 | $1.4B | $9.2B | ||
| Q4 24 | $1.3B | $9.1B | ||
| Q3 24 | $1.3B | $9.2B | ||
| Q2 24 | $1.3B | $8.8B | ||
| Q1 24 | $1.3B | $8.7B |
总资产LCWBS
| Q4 25 | $11.6B | $84.1B | ||
| Q3 25 | $11.1B | $83.2B | ||
| Q2 25 | $10.8B | $81.9B | ||
| Q1 25 | $10.5B | $80.3B | ||
| Q4 24 | $10.6B | $79.0B | ||
| Q3 24 | $11.0B | $79.5B | ||
| Q2 24 | $9.6B | $76.8B | ||
| Q1 24 | $9.2B | $76.2B |
负债/权益比LCWBS
| Q4 25 | 0.00× | 0.08× | ||
| Q3 25 | 0.00× | 0.13× | ||
| Q2 25 | 0.00× | 0.10× | ||
| Q1 25 | 0.00× | 0.10× | ||
| Q4 24 | 0.00× | 0.10× | ||
| Q3 24 | — | 0.10× | ||
| Q2 24 | — | 0.10× | ||
| Q1 24 | — | 0.10× |
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 | $-903.8M | $317.6M |
| 自由现金流经营现金流 - 资本支出 | $-919.3M | $301.8M |
| 自由现金流率自由现金流/营收 | -345.0% | 514.2% |
| 资本支出强度资本支出/营收 | 5.8% | 26.9% |
| 现金转化率经营现金流/净利润 | — | 1.24× |
| 过去12个月自由现金流最近4个季度 | $-2.9B | $1.0B |
8季度趋势，按日历期对齐
经营现金流LCWBS
| Q4 25 | $-903.8M | $317.6M | ||
| Q3 25 | $-770.8M | $374.7M | ||
| Q2 25 | $-713.1M | $270.9M | ||
| Q1 25 | $-339.3M | $94.9M | ||
| Q4 24 | $-185.4M | $891.3M | ||
| Q3 24 | $-669.8M | $45.3M | ||
| Q2 24 | $-932.5M | $224.0M | ||
| Q1 24 | $-846.5M | $243.7M |
自由现金流LCWBS
| Q4 25 | $-919.3M | $301.8M | ||
| Q3 25 | $-791.8M | $362.5M | ||
| Q2 25 | $-803.8M | $257.7M | ||
| Q1 25 | $-352.3M | $86.6M | ||
| Q4 24 | $-202.6M | $879.0M | ||
| Q3 24 | $-682.3M | $35.3M | ||
| Q2 24 | $-945.3M | $215.6M | ||
| Q1 24 | $-858.3M | $238.6M |
自由现金流率LCWBS
| Q4 25 | -345.0% | 514.2% | ||
| Q3 25 | -297.4% | 613.7% | ||
| Q2 25 | -323.5% | 433.6% | ||
| Q1 25 | -161.8% | 142.5% | ||
| Q4 24 | -93.3% | 1495.2% | ||
| Q3 24 | -338.0% | 57.8% | ||
| Q2 24 | -504.9% | 348.6% | ||
| Q1 24 | -475.0% | 372.8% |
资本支出强度LCWBS
| Q4 25 | 5.8% | 26.9% | ||
| Q3 25 | 7.9% | 20.7% | ||
| Q2 25 | 36.5% | 22.2% | ||
| Q1 25 | 6.0% | 13.7% | ||
| Q4 24 | 7.9% | 21.0% | ||
| Q3 24 | 6.2% | 16.4% | ||
| Q2 24 | 6.9% | 13.6% | ||
| Q1 24 | 6.5% | 7.9% |
现金转化率LCWBS
| Q4 25 | — | 1.24× | ||
| Q3 25 | -17.41× | 1.43× | ||
| Q2 25 | -18.68× | 1.05× | ||
| Q1 25 | -29.07× | 0.42× | ||
| Q4 24 | — | 5.01× | ||
| Q3 24 | -46.33× | 0.23× | ||
| Q2 24 | -62.57× | 1.23× | ||
| Q1 24 | -69.10× | 1.13× |
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
| Lending Club Bank | $162.8M | 61% |
| Other | $82.3M | 31% |
| Servicing Fees | $12.8M | 5% |
| Lending Club Corporation | $8.5M | 3% |
WBS
暂无分部数据
