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Live Oak Bancshares, Inc.（LOB）与MP Materials Corp.（MP）财务数据对比。点击上方公司名可切换其他公司
Live Oak Bancshares, Inc.的季度营收约是MP Materials Corp.的1.6倍（$145.5M vs $90.6M），Live Oak Bancshares, Inc.净利率更高（19.2% vs -8.8%，领先28.0%），MP Materials Corp.同比增速更快（49.1% vs 18.4%），过去两年MP Materials Corp.的营收复合增速更高（70.3% vs 7.7%）
Live Oak Bancshares, Inc.是一家美国金融控股公司，旗下子公司Live Oak Bank总部位于北卡罗来纳州威尔明顿，业务覆盖美国全部50个州，专注为小企业主提供金融服务，2022年按放贷金额计是美国SBA 7(a)贷款项目的头部放贷机构。
MP Materials Corp.是总部位于美国的稀土材料生产商，拥有并运营加利福尼亚州芒廷帕斯矿，这是西半球唯一在产的稀土开采及加工设施，所产核心材料可广泛应用于电动汽车、风力发电机、国防工业等多个关键领域。
LOB vs MP — 直观对比
营收规模更大
LOB
是对方的1.6倍
$90.6M
营收增速更快
MP
高出30.7%
18.4%
净利率更高
LOB
高出28.0%
-8.8%
两年增速更快
MP
近两年复合增速
7.7%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $145.5M | $90.6M |
| 净利润 | $27.9M | $-8.0M |
| 毛利率 | — | — |
| 营业利润率 | — | — |
| 净利率 | 19.2% | -8.8% |
| 营收同比 | 18.4% | 49.1% |
| 净利润同比 | 187.6% | 64.8% |
| 每股收益（稀释后） | $0.60 | $-0.04 |
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LOBMP
| Q1 26 | $145.5M | $90.6M | ||
| Q4 25 | $161.9M | $52.7M | ||
| Q3 25 | $146.1M | $53.6M | ||
| Q2 25 | $143.7M | $57.4M | ||
| Q1 25 | $126.1M | $60.8M | ||
| Q4 24 | $116.9M | $61.0M | ||
| Q3 24 | $129.9M | $62.9M | ||
| Q2 24 | $125.5M | $31.3M |
净利润LOBMP
| Q1 26 | $27.9M | $-8.0M | ||
| Q4 25 | $46.2M | $9.4M | ||
| Q3 25 | $26.5M | $-41.8M | ||
| Q2 25 | $23.4M | $-30.9M | ||
| Q1 25 | $9.7M | $-22.6M | ||
| Q4 24 | $9.9M | $-22.3M | ||
| Q3 24 | $13.0M | $-25.5M | ||
| Q2 24 | $27.0M | $-34.1M |
营业利润率LOBMP
| Q1 26 | — | — | ||
| Q4 25 | 38.2% | -7.0% | ||
| Q3 25 | 25.0% | -125.2% | ||
| Q2 25 | 21.7% | -76.5% | ||
| Q1 25 | 10.4% | -57.2% | ||
| Q4 24 | 11.3% | -72.1% | ||
| Q3 24 | 13.7% | -62.8% | ||
| Q2 24 | 28.7% | -171.1% |
净利率LOBMP
| Q1 26 | 19.2% | -8.8% | ||
| Q4 25 | 28.5% | 17.9% | ||
| Q3 25 | 18.1% | -78.0% | ||
| Q2 25 | 16.3% | -53.8% | ||
| Q1 25 | 7.7% | -37.2% | ||
| Q4 24 | 8.5% | -36.6% | ||
| Q3 24 | 10.0% | -40.5% | ||
| Q2 24 | 21.5% | -108.9% |
每股收益（稀释后）LOBMP
| Q1 26 | $0.60 | $-0.04 | ||
| Q4 25 | $0.96 | $0.07 | ||
| Q3 25 | $0.55 | $-0.24 | ||
| Q2 25 | $0.51 | $-0.19 | ||
| Q1 25 | $0.21 | $-0.14 | ||
| Q4 24 | $0.22 | $-0.12 | ||
| Q3 24 | $0.28 | $-0.16 | ||
| Q2 24 | $0.59 | $-0.21 |
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 | — | $1.7B |
| 总债务越低越好 | — | $1.0B |
| 股东权益账面价值 | $1.3B | $2.0B |
| 总资产 | $15.3B | $3.8B |
| 负债/权益比越低杠杆越低 | — | 0.51× |
8季度趋势，按日历期对齐
现金及短期投资LOBMP
| Q1 26 | — | $1.7B | ||
| Q4 25 | — | $1.2B | ||
| Q3 25 | — | $1.1B | ||
| Q2 25 | — | $261.5M | ||
| Q1 25 | — | $198.3M | ||
| Q4 24 | — | $282.4M | ||
| Q3 24 | — | $284.4M | ||
| Q2 24 | — | $295.6M |
总债务LOBMP
| Q1 26 | — | $1.0B | ||
| Q4 25 | — | $998.7M | ||
| Q3 25 | — | $997.3M | ||
| Q2 25 | — | $910.8M | ||
| Q1 25 | — | $909.8M | ||
| Q4 24 | — | $908.7M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益LOBMP
| Q1 26 | $1.3B | $2.0B | ||
| Q4 25 | $1.2B | $2.0B | ||
| Q3 25 | $1.2B | $2.0B | ||
| Q2 25 | $1.1B | $1.0B | ||
| Q1 25 | $1.0B | $1.0B | ||
| Q4 24 | $999.0M | $1.1B | ||
| Q3 24 | $1.0B | $1.1B | ||
| Q2 24 | $961.0M | $1.1B |
总资产LOBMP
| Q1 26 | $15.3B | $3.8B | ||
| Q4 25 | $15.1B | $3.9B | ||
| Q3 25 | $14.7B | $3.8B | ||
| Q2 25 | $13.8B | $2.3B | ||
| Q1 25 | $13.6B | $2.4B | ||
| Q4 24 | $12.9B | $2.3B | ||
| Q3 24 | $12.6B | $2.3B | ||
| Q2 24 | $11.9B | $2.4B |
负债/权益比LOBMP
| Q1 26 | — | 0.51× | ||
| Q4 25 | — | 0.50× | ||
| Q3 25 | — | 0.51× | ||
| Q2 25 | — | 0.90× | ||
| Q1 25 | — | 0.88× | ||
| Q4 24 | — | 0.86× | ||
| 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 | — | $-1.9M |
| 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 | — | — |
| 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LOBMP
| Q1 26 | — | $-1.9M | ||
| Q4 25 | $158.2M | $-46.9M | ||
| Q3 25 | $62.3M | $-42.0M | ||
| Q2 25 | $49.2M | $-3.7M | ||
| Q1 25 | $-33.0M | $-63.2M | ||
| Q4 24 | $156.8M | $30.5M | ||
| Q3 24 | $47.4M | $-6.8M | ||
| Q2 24 | $29.5M | $30.8M |
自由现金流LOBMP
| Q1 26 | — | — | ||
| Q4 25 | $143.5M | $-109.3M | ||
| Q3 25 | $60.6M | $-92.5M | ||
| Q2 25 | $47.8M | $-32.7M | ||
| Q1 25 | $-35.3M | $-93.7M | ||
| Q4 24 | $107.5M | $-11.2M | ||
| Q3 24 | $41.0M | $-53.3M | ||
| Q2 24 | $12.3M | $-15.6M |
自由现金流率LOBMP
| Q1 26 | — | — | ||
| Q4 25 | 88.6% | -207.4% | ||
| Q3 25 | 41.4% | -172.8% | ||
| Q2 25 | 33.3% | -56.9% | ||
| Q1 25 | -28.0% | -154.0% | ||
| Q4 24 | 91.9% | -18.3% | ||
| Q3 24 | 31.6% | -84.7% | ||
| Q2 24 | 9.8% | -50.1% |
资本支出强度LOBMP
| Q1 26 | — | — | ||
| Q4 25 | 9.1% | 118.5% | ||
| Q3 25 | 1.2% | 94.3% | ||
| Q2 25 | 1.0% | 50.5% | ||
| Q1 25 | 1.8% | 50.1% | ||
| Q4 24 | 42.2% | 68.3% | ||
| Q3 24 | 4.9% | 73.8% | ||
| Q2 24 | 13.7% | 148.7% |
现金转化率LOBMP
| Q1 26 | — | — | ||
| Q4 25 | 3.42× | -4.97× | ||
| Q3 25 | 2.35× | — | ||
| Q2 25 | 2.10× | — | ||
| Q1 25 | -3.39× | — | ||
| Q4 24 | 15.84× | — | ||
| Q3 24 | 3.64× | — | ||
| Q2 24 | 1.10× | — |
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
LOB
暂无分部数据
MP
| Materials Segment | $72.2M | 80% |
| Magnetics Segment | $21.1M | 23% |
