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LendingClub Corp（LC）与WORLD ACCEPTANCE CORP（WRLD）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WORLD ACCEPTANCE CORP的1.9倍（$266.5M vs $141.3M）。LendingClub Corp同比增速更快（22.7% vs 1.9%）。WORLD ACCEPTANCE CORP自由现金流更多（$57.2M vs $-919.3M）。过去两年LendingClub Corp的营收复合增速更高（21.4% vs -5.8%）
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。
本公司是一家汽车金融企业，主营汽车贷款及相关金融产品，业务通过全国合作经销商网络开展。目前公司运营两大核心业务项目，分别为投资组合项目与收购项目，通过这两个项目，公司可向汽车经销商预先提供资金，以此获得底层消费贷款的服务权等相关权益。
LC vs WRLD — 直观对比
营收规模更大
LC
是对方的1.9倍
$141.3M
营收增速更快
LC
高出20.8%
1.9%
自由现金流更多
WRLD
多$976.5M
$-919.3M
两年增速更快
LC
近两年复合增速
-5.8%
损益表 — Q4 2025 vs Q3 2026
| 指标 | | |
|---|---|---|
| 营收 | $266.5M | $141.3M |
| 净利润 | — | $-911.3K |
| 毛利率 | — | — |
| 营业利润率 | 18.8% | -0.7% |
| 净利率 | — | -0.6% |
| 营收同比 | 22.7% | 1.9% |
| 净利润同比 | — | -106.8% |
| 每股收益（稀释后） | $0.36 | $-0.19 |
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LCWRLD
| Q4 25 | $266.5M | $141.3M | ||
| Q3 25 | $266.2M | $134.5M | ||
| Q2 25 | $248.4M | $132.5M | ||
| Q1 25 | $217.7M | $165.3M | ||
| Q4 24 | $217.2M | $138.6M | ||
| Q3 24 | $201.9M | $131.4M | ||
| Q2 24 | $187.2M | $129.5M | ||
| Q1 24 | $180.7M | $159.3M |
净利润LCWRLD
| Q4 25 | — | $-911.3K | ||
| Q3 25 | $44.3M | $-1.9M | ||
| Q2 25 | $38.2M | $1.3M | ||
| Q1 25 | $11.7M | $44.3M | ||
| Q4 24 | — | $13.4M | ||
| Q3 24 | $14.5M | $22.1M | ||
| Q2 24 | $14.9M | $9.9M | ||
| Q1 24 | $12.3M | $35.1M |
营业利润率LCWRLD
| Q4 25 | 18.8% | -0.7% | ||
| Q3 25 | 21.5% | -1.3% | ||
| Q2 25 | 21.7% | 1.5% | ||
| Q1 25 | 7.2% | 33.3% | ||
| Q4 24 | 5.1% | 11.6% | ||
| Q3 24 | 8.9% | 21.3% | ||
| Q2 24 | 10.4% | 10.0% | ||
| Q1 24 | 9.1% | 29.3% |
净利率LCWRLD
| Q4 25 | — | -0.6% | ||
| Q3 25 | 16.6% | -1.4% | ||
| Q2 25 | 15.4% | 1.0% | ||
| Q1 25 | 5.4% | 26.8% | ||
| Q4 24 | — | 9.7% | ||
| Q3 24 | 7.2% | 16.8% | ||
| Q2 24 | 8.0% | 7.7% | ||
| Q1 24 | 6.8% | 22.0% |
每股收益（稀释后）LCWRLD
| Q4 25 | $0.36 | $-0.19 | ||
| Q3 25 | $0.37 | $-0.38 | ||
| Q2 25 | $0.33 | $0.25 | ||
| Q1 25 | $0.10 | $8.07 | ||
| Q4 24 | $0.08 | $2.45 | ||
| Q3 24 | $0.13 | $3.99 | ||
| Q2 24 | $0.13 | $1.79 | ||
| Q1 24 | $0.11 | $6.02 |
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 | — | $10.0M |
| 总债务越低越好 | $0 | $677.2M |
| 股东权益账面价值 | $1.5B | $351.6M |
| 总资产 | $11.6B | $1.1B |
| 负债/权益比越低杠杆越低 | 0.00× | 1.93× |
8季度趋势，按日历期对齐
现金及短期投资LCWRLD
| Q4 25 | — | $10.0M | ||
| Q3 25 | — | $14.9M | ||
| Q2 25 | — | $8.1M | ||
| Q1 25 | — | $4.7M | ||
| Q4 24 | — | $10.3M | ||
| Q3 24 | — | $9.7M | ||
| Q2 24 | — | $11.1M | ||
| Q1 24 | — | $5.2M |
总债务LCWRLD
| Q4 25 | $0 | $677.2M | ||
| Q3 25 | $0 | $584.6M | ||
| Q2 25 | $0 | $472.5M | ||
| Q1 25 | $0 | $447.9M | ||
| Q4 24 | $0 | $561.2M | ||
| Q3 24 | — | $506.6M | ||
| Q2 24 | — | $494.7M | ||
| Q1 24 | — | $498.4M |
股东权益LCWRLD
| Q4 25 | $1.5B | $351.6M | ||
| Q3 25 | $1.5B | $365.6M | ||
| Q2 25 | $1.4B | $427.9M | ||
| Q1 25 | $1.4B | $439.5M | ||
| Q4 24 | $1.3B | $428.2M | ||
| Q3 24 | $1.3B | $417.5M | ||
| Q2 24 | $1.3B | $422.6M | ||
| Q1 24 | $1.3B | $424.4M |
总资产LCWRLD
| Q4 25 | $11.6B | $1.1B | ||
| Q3 25 | $11.1B | $1.1B | ||
| Q2 25 | $10.8B | $1.0B | ||
| Q1 25 | $10.5B | $1.0B | ||
| Q4 24 | $10.6B | $1.1B | ||
| Q3 24 | $11.0B | $1.0B | ||
| Q2 24 | $9.6B | $1.0B | ||
| Q1 24 | $9.2B | $1.1B |
负债/权益比LCWRLD
| Q4 25 | 0.00× | 1.93× | ||
| Q3 25 | 0.00× | 1.60× | ||
| Q2 25 | 0.00× | 1.10× | ||
| Q1 25 | 0.00× | 1.02× | ||
| Q4 24 | 0.00× | 1.31× | ||
| Q3 24 | — | 1.21× | ||
| Q2 24 | — | 1.17× | ||
| Q1 24 | — | 1.17× |
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 | $58.0M |
| 自由现金流经营现金流 - 资本支出 | $-919.3M | $57.2M |
| 自由现金流率自由现金流/营收 | -345.0% | 40.5% |
| 资本支出强度资本支出/营收 | 5.8% | 0.6% |
| 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 | $-2.9B | $252.0M |
8季度趋势，按日历期对齐
经营现金流LCWRLD
| Q4 25 | $-903.8M | $58.0M | ||
| Q3 25 | $-770.8M | $48.6M | ||
| Q2 25 | $-713.1M | $58.2M | ||
| Q1 25 | $-339.3M | $90.9M | ||
| Q4 24 | $-185.4M | $61.1M | ||
| Q3 24 | $-669.8M | $53.8M | ||
| Q2 24 | $-932.5M | $48.4M | ||
| Q1 24 | $-846.5M | $83.8M |
自由现金流LCWRLD
| Q4 25 | $-919.3M | $57.2M | ||
| Q3 25 | $-791.8M | $47.7M | ||
| Q2 25 | $-803.8M | $57.1M | ||
| Q1 25 | $-352.3M | $90.0M | ||
| Q4 24 | $-202.6M | $60.4M | ||
| Q3 24 | $-682.3M | $52.7M | ||
| Q2 24 | $-945.3M | $47.3M | ||
| Q1 24 | $-858.3M | $82.3M |
自由现金流率LCWRLD
| Q4 25 | -345.0% | 40.5% | ||
| Q3 25 | -297.4% | 35.5% | ||
| Q2 25 | -323.5% | 43.1% | ||
| Q1 25 | -161.8% | 54.5% | ||
| Q4 24 | -93.3% | 43.6% | ||
| Q3 24 | -338.0% | 40.1% | ||
| Q2 24 | -504.9% | 36.5% | ||
| Q1 24 | -475.0% | 51.7% |
资本支出强度LCWRLD
| Q4 25 | 5.8% | 0.6% | ||
| Q3 25 | 7.9% | 0.7% | ||
| Q2 25 | 36.5% | 0.8% | ||
| Q1 25 | 6.0% | 0.5% | ||
| Q4 24 | 7.9% | 0.5% | ||
| Q3 24 | 6.2% | 0.8% | ||
| Q2 24 | 6.9% | 0.8% | ||
| Q1 24 | 6.5% | 1.0% |
现金转化率LCWRLD
| Q4 25 | — | — | ||
| Q3 25 | -17.41× | — | ||
| Q2 25 | -18.68× | 43.27× | ||
| Q1 25 | -29.07× | 2.05× | ||
| Q4 24 | — | 4.56× | ||
| Q3 24 | -46.33× | 2.43× | ||
| Q2 24 | -62.57× | 4.87× | ||
| Q1 24 | -69.10× | 2.39× |
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% |
WRLD
暂无分部数据
