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Live Oak Bancshares, Inc.（LOB）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
Live Oak Bancshares, Inc.的季度营收约是再鼎医药的1.1倍（$145.5M vs $127.1M），Live Oak Bancshares, Inc.同比增速更快（18.4% vs 17.1%），过去两年再鼎医药的营收复合增速更高（20.8% 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。
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。
LOB vs ZLAB — 直观对比
营收规模更大
LOB
是对方的1.1倍
$127.1M
营收增速更快
LOB
高出1.2%
17.1%
两年增速更快
ZLAB
近两年复合增速
7.7%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $145.5M | $127.1M |
| 净利润 | $27.9M | — |
| 毛利率 | — | 51.0% |
| 营业利润率 | — | -54.6% |
| 净利率 | 19.2% | — |
| 营收同比 | 18.4% | 17.1% |
| 净利润同比 | 187.6% | — |
| 每股收益（稀释后） | $0.60 | $-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LOBZLAB
| Q1 26 | $145.5M | — | ||
| Q4 25 | $161.9M | $127.1M | ||
| Q3 25 | $146.1M | $115.4M | ||
| Q2 25 | $143.7M | $109.1M | ||
| Q1 25 | $126.1M | $105.7M | ||
| Q4 24 | $116.9M | $108.5M | ||
| Q3 24 | $129.9M | $101.8M | ||
| Q2 24 | $125.5M | $100.1M |
净利润LOBZLAB
| Q1 26 | $27.9M | — | ||
| Q4 25 | $46.2M | — | ||
| Q3 25 | $26.5M | $-36.0M | ||
| Q2 25 | $23.4M | $-40.7M | ||
| Q1 25 | $9.7M | $-48.4M | ||
| Q4 24 | $9.9M | — | ||
| Q3 24 | $13.0M | $-41.7M | ||
| Q2 24 | $27.0M | $-80.3M |
毛利率LOBZLAB
| 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LOBZLAB
| Q1 26 | — | — | ||
| Q4 25 | 38.2% | -54.6% | ||
| Q3 25 | 25.0% | -42.3% | ||
| Q2 25 | 21.7% | -50.3% | ||
| Q1 25 | 10.4% | -53.3% | ||
| Q4 24 | 11.3% | -62.6% | ||
| Q3 24 | 13.7% | -66.6% | ||
| Q2 24 | 28.7% | -76.0% |
净利率LOBZLAB
| Q1 26 | 19.2% | — | ||
| Q4 25 | 28.5% | — | ||
| Q3 25 | 18.1% | -31.2% | ||
| Q2 25 | 16.3% | -37.3% | ||
| Q1 25 | 7.7% | -45.8% | ||
| Q4 24 | 8.5% | — | ||
| Q3 24 | 10.0% | -40.9% | ||
| Q2 24 | 21.5% | -80.2% |
每股收益（稀释后）LOBZLAB
| Q1 26 | $0.60 | — | ||
| Q4 25 | $0.96 | $-0.05 | ||
| Q3 25 | $0.55 | $-0.03 | ||
| Q2 25 | $0.51 | $-0.04 | ||
| Q1 25 | $0.21 | $-0.04 | ||
| Q4 24 | $0.22 | $-0.09 | ||
| Q3 24 | $0.28 | $-0.04 | ||
| Q2 24 | $0.59 | $-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 | $1.3B | $715.5M |
| 总资产 | $15.3B | $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LOBZLAB
| 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 |
股东权益LOBZLAB
| Q1 26 | $1.3B | — | ||
| Q4 25 | $1.2B | $715.5M | ||
| Q3 25 | $1.2B | $759.9M | ||
| Q2 25 | $1.1B | $791.7M | ||
| Q1 25 | $1.0B | $810.8M | ||
| Q4 24 | $999.0M | $840.9M | ||
| Q3 24 | $1.0B | $667.7M | ||
| Q2 24 | $961.0M | $704.2M |
总资产LOBZLAB
| Q1 26 | $15.3B | — | ||
| Q4 25 | $15.1B | $1.2B | ||
| Q3 25 | $14.7B | $1.2B | ||
| Q2 25 | $13.8B | $1.2B | ||
| Q1 25 | $13.6B | $1.2B | ||
| Q4 24 | $12.9B | $1.2B | ||
| Q3 24 | $12.6B | $985.3M | ||
| Q2 24 | $11.9B | $987.4M |
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LOBZLAB
| Q1 26 | — | — | ||
| Q4 25 | $158.2M | $-26.0M | ||
| Q3 25 | $62.3M | $-32.0M | ||
| Q2 25 | $49.2M | $-31.0M | ||
| Q1 25 | $-33.0M | $-61.7M | ||
| Q4 24 | $156.8M | $-55.8M | ||
| Q3 24 | $47.4M | $-26.8M | ||
| Q2 24 | $29.5M | $-42.2M |
自由现金流LOBZLAB
| Q1 26 | — | — | ||
| Q4 25 | $143.5M | $-26.7M | ||
| Q3 25 | $60.6M | $-35.0M | ||
| Q2 25 | $47.8M | $-33.9M | ||
| Q1 25 | $-35.3M | $-63.2M | ||
| Q4 24 | $107.5M | $-58.4M | ||
| Q3 24 | $41.0M | $-28.2M | ||
| Q2 24 | $12.3M | $-42.9M |
自由现金流率LOBZLAB
| Q1 26 | — | — | ||
| Q4 25 | 88.6% | -21.0% | ||
| Q3 25 | 41.4% | -30.4% | ||
| Q2 25 | 33.3% | -31.1% | ||
| Q1 25 | -28.0% | -59.9% | ||
| Q4 24 | 91.9% | -53.8% | ||
| Q3 24 | 31.6% | -27.7% | ||
| Q2 24 | 9.8% | -42.9% |
资本支出强度LOBZLAB
| Q1 26 | — | — | ||
| Q4 25 | 9.1% | 0.5% | ||
| Q3 25 | 1.2% | 2.6% | ||
| Q2 25 | 1.0% | 2.6% | ||
| Q1 25 | 1.8% | 1.5% | ||
| Q4 24 | 42.2% | 2.4% | ||
| Q3 24 | 4.9% | 1.3% | ||
| Q2 24 | 13.7% | 0.7% |
现金转化率LOBZLAB
| Q1 26 | — | — | ||
| Q4 25 | 3.42× | — | ||
| 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
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% |
