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LendingClub Corp（LC）与再鼎医药（ZLAB）财务数据对比。点击上方公司名可切换其他公司
LendingClub Corp的季度营收约是再鼎医药的2.0倍（$252.3M vs $127.1M），再鼎医药同比增速更快（17.1% vs 15.9%），过去两年再鼎医药的营收复合增速更高（20.8% 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。
再鼎医药是一家创新生物制药企业，专注于肿瘤、自身免疫性疾病、感染性疾病等领域创新疗法的研发、生产与商业化，核心市场覆盖大中华区，与全球多家头部生物科技企业合作，为存在未被满足医疗需求的患者提供治疗方案。
LC vs ZLAB — 直观对比
营收规模更大
LC
是对方的2.0倍
$127.1M
营收增速更快
ZLAB
高出1.2%
15.9%
两年增速更快
ZLAB
近两年复合增速
16.1%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $252.3M | $127.1M |
| 净利润 | $51.6M | — |
| 毛利率 | — | 51.0% |
| 营业利润率 | — | -54.6% |
| 净利率 | 20.5% | — |
| 营收同比 | 15.9% | 17.1% |
| 净利润同比 | 341.0% | — |
| 每股收益（稀释后） | $0.44 | $-0.05 |
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LCZLAB
| Q1 26 | $252.3M | — | ||
| Q4 25 | $266.5M | $127.1M | ||
| Q3 25 | $266.2M | $115.4M | ||
| Q2 25 | $248.4M | $109.1M | ||
| Q1 25 | $217.7M | $105.7M | ||
| Q4 24 | $217.2M | $108.5M | ||
| Q3 24 | $201.9M | $101.8M | ||
| Q2 24 | $187.2M | $100.1M |
净利润LCZLAB
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | $44.3M | $-36.0M | ||
| Q2 25 | $38.2M | $-40.7M | ||
| Q1 25 | $11.7M | $-48.4M | ||
| Q4 24 | — | — | ||
| Q3 24 | $14.5M | $-41.7M | ||
| Q2 24 | $14.9M | $-80.3M |
毛利率LCZLAB
| Q1 26 | — | — | ||
| Q4 25 | — | 51.0% | ||
| Q3 25 | — | 59.5% | ||
| Q2 25 | — | 60.6% | ||
| Q1 25 | — | 63.6% | ||
| Q4 24 | — | 61.5% | ||
| Q3 24 | — | 64.1% | ||
| Q2 24 | — | 64.9% |
营业利润率LCZLAB
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | -54.6% | ||
| Q3 25 | 21.5% | -42.3% | ||
| Q2 25 | 21.7% | -50.3% | ||
| Q1 25 | 7.2% | -53.3% | ||
| Q4 24 | 5.1% | -62.6% | ||
| Q3 24 | 8.9% | -66.6% | ||
| Q2 24 | 10.4% | -76.0% |
净利率LCZLAB
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 16.6% | -31.2% | ||
| Q2 25 | 15.4% | -37.3% | ||
| Q1 25 | 5.4% | -45.8% | ||
| Q4 24 | — | — | ||
| Q3 24 | 7.2% | -40.9% | ||
| Q2 24 | 8.0% | -80.2% |
每股收益（稀释后）LCZLAB
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | $-0.05 | ||
| Q3 25 | $0.37 | $-0.03 | ||
| Q2 25 | $0.33 | $-0.04 | ||
| Q1 25 | $0.10 | $-0.04 | ||
| Q4 24 | $0.08 | $-0.09 | ||
| Q3 24 | $0.13 | $-0.04 | ||
| Q2 24 | $0.13 | $-0.08 |
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 | — | $689.6M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.5B | $715.5M |
| 总资产 | $11.9B | $1.2B |
| 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LCZLAB
| Q1 26 | — | — | ||
| Q4 25 | — | $689.6M | ||
| Q3 25 | — | $717.2M | ||
| Q2 25 | — | $732.2M | ||
| Q1 25 | — | $757.3M | ||
| Q4 24 | — | $779.7M | ||
| Q3 24 | — | $616.1M | ||
| Q2 24 | — | $630.0M |
总债务LCZLAB
| Q1 26 | — | — | ||
| Q4 25 | $0 | — | ||
| Q3 25 | $0 | — | ||
| Q2 25 | $0 | — | ||
| Q1 25 | $0 | — | ||
| Q4 24 | $0 | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益LCZLAB
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | $715.5M | ||
| Q3 25 | $1.5B | $759.9M | ||
| Q2 25 | $1.4B | $791.7M | ||
| Q1 25 | $1.4B | $810.8M | ||
| Q4 24 | $1.3B | $840.9M | ||
| Q3 24 | $1.3B | $667.7M | ||
| Q2 24 | $1.3B | $704.2M |
总资产LCZLAB
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | $1.2B | ||
| Q3 25 | $11.1B | $1.2B | ||
| Q2 25 | $10.8B | $1.2B | ||
| Q1 25 | $10.5B | $1.2B | ||
| Q4 24 | $10.6B | $1.2B | ||
| Q3 24 | $11.0B | $985.3M | ||
| Q2 24 | $9.6B | $987.4M |
负债/权益比LCZLAB
| Q1 26 | — | — | ||
| Q4 25 | 0.00× | — | ||
| Q3 25 | 0.00× | — | ||
| Q2 25 | 0.00× | — | ||
| Q1 25 | 0.00× | — | ||
| Q4 24 | 0.00× | — | ||
| Q3 24 | — | — | ||
| 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 | — | $-26.0M |
| 自由现金流经营现金流 - 资本支出 | — | $-26.7M |
| 自由现金流率自由现金流/营收 | — | -21.0% |
| 资本支出强度资本支出/营收 | — | 0.5% |
| 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 | — | $-158.9M |
8季度趋势，按日历期对齐
经营现金流LCZLAB
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | $-26.0M | ||
| Q3 25 | $-770.8M | $-32.0M | ||
| Q2 25 | $-713.1M | $-31.0M | ||
| Q1 25 | $-339.3M | $-61.7M | ||
| Q4 24 | $-2.6B | $-55.8M | ||
| Q3 24 | $-669.8M | $-26.8M | ||
| Q2 24 | $-932.5M | $-42.2M |
自由现金流LCZLAB
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | $-26.7M | ||
| Q3 25 | $-791.8M | $-35.0M | ||
| Q2 25 | $-803.8M | $-33.9M | ||
| Q1 25 | $-352.3M | $-63.2M | ||
| Q4 24 | $-2.7B | $-58.4M | ||
| Q3 24 | $-682.3M | $-28.2M | ||
| Q2 24 | $-945.3M | $-42.9M |
自由现金流率LCZLAB
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | -21.0% | ||
| Q3 25 | -297.4% | -30.4% | ||
| Q2 25 | -323.5% | -31.1% | ||
| Q1 25 | -161.8% | -59.9% | ||
| Q4 24 | -1237.8% | -53.8% | ||
| Q3 24 | -338.0% | -27.7% | ||
| Q2 24 | -504.9% | -42.9% |
资本支出强度LCZLAB
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | 0.5% | ||
| Q3 25 | 7.9% | 2.6% | ||
| Q2 25 | 36.5% | 2.6% | ||
| Q1 25 | 6.0% | 1.5% | ||
| Q4 24 | 25.0% | 2.4% | ||
| Q3 24 | 6.2% | 1.3% | ||
| Q2 24 | 6.9% | 0.7% |
现金转化率LCZLAB
| 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
业务分部营收拆解
LC
暂无分部数据
ZLAB
| Zejula | $56.0M | 44% |
| Other | $21.9M | 17% |
| Nuzyra | $16.0M | 13% |
| Optune | $11.9M | 9% |
| XACDURO | $10.7M | 8% |
| Qinlock | $9.7M | 8% |
| AUGTYRO | $836.0K | 1% |
