vs
Open Lending Corp（LPRO）与SLM Corp（SLM）财务数据对比。点击上方公司名可切换其他公司
SLM Corp的季度营收约是Open Lending Corp的28.9倍（$560.0M vs $19.3M）。过去两年SLM Corp的营收复合增速更高（22.7% vs -13.8%）
开放图书馆是互联网档案馆旗下的非盈利在线项目，旨在实现「每一本出版过的书都拥有专属网页」的目标，由亚伦·斯沃茨等多位开发者共同创立，项目获得了加州州立图书馆和卡勒-奥斯汀基金会的部分资助，为用户提供多种格式的公开领域书籍数字化副本在线阅览服务。
尼康旗下SLM Solutions AG总部位于德国吕贝克，是金属3D打印机领域的上市生产商，共同拥有SLM文字商标，集团股份自2014年5月9日起在法兰克福证券交易所高级市场板块挂牌交易。
LPRO vs SLM — 直观对比
营收规模更大
SLM
是对方的28.9倍
$19.3M
两年增速更快
SLM
近两年复合增速
-13.8%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $19.3M | $560.0M |
| 净利润 | — | $308.0M |
| 毛利率 | 76.0% | — |
| 营业利润率 | 3.9% | — |
| 净利率 | — | 55.0% |
| 营收同比 | 134.0% | — |
| 净利润同比 | — | 1.0% |
| 每股收益（稀释后） | $-0.00 | $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LPROSLM
| Q1 26 | — | $560.0M | ||
| Q4 25 | $19.3M | $377.1M | ||
| Q3 25 | $24.2M | $373.0M | ||
| Q2 25 | $25.3M | $376.8M | ||
| Q1 25 | $24.4M | $375.0M | ||
| Q4 24 | $-56.9M | $362.2M | ||
| Q3 24 | $23.5M | $359.4M | ||
| Q2 24 | — | $372.2M |
净利润LPROSLM
| Q1 26 | — | $308.0M | ||
| Q4 25 | — | $233.2M | ||
| Q3 25 | $-7.6M | $135.8M | ||
| Q2 25 | $1.0M | $71.3M | ||
| Q1 25 | $617.0K | $304.5M | ||
| Q4 24 | — | $111.6M | ||
| Q3 24 | $1.4M | $-45.2M | ||
| Q2 24 | — | $252.0M |
毛利率LPROSLM
| Q1 26 | — | — | ||
| Q4 25 | 76.0% | — | ||
| Q3 25 | 78.0% | — | ||
| Q2 25 | 78.2% | — | ||
| Q1 25 | 75.1% | — | ||
| Q4 24 | 111.0% | — | ||
| Q3 24 | 73.9% | — | ||
| Q2 24 | — | — |
营业利润率LPROSLM
| Q1 26 | — | — | ||
| Q4 25 | 3.9% | 83.8% | ||
| Q3 25 | -31.9% | 49.8% | ||
| Q2 25 | 4.6% | 23.3% | ||
| Q1 25 | 3.1% | — | ||
| Q4 24 | 138.0% | 36.5% | ||
| Q3 24 | 7.9% | -16.6% | ||
| Q2 24 | — | 91.0% |
净利率LPROSLM
| Q1 26 | — | 55.0% | ||
| Q4 25 | — | 61.8% | ||
| Q3 25 | -31.3% | 36.4% | ||
| Q2 25 | 4.1% | 18.9% | ||
| Q1 25 | 2.5% | 81.2% | ||
| Q4 24 | — | 30.8% | ||
| Q3 24 | 6.1% | -12.6% | ||
| Q2 24 | — | 67.7% |
每股收益（稀释后）LPROSLM
| Q1 26 | — | $1.54 | ||
| Q4 25 | $-0.00 | $1.11 | ||
| Q3 25 | $-0.06 | $0.63 | ||
| Q2 25 | $0.01 | $0.32 | ||
| Q1 25 | $0.01 | $1.40 | ||
| Q4 24 | $-1.20 | $0.53 | ||
| Q3 24 | $0.01 | $-0.23 | ||
| Q2 24 | — | $1.11 |
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 | $176.6M | $5.2B |
| 总债务越低越好 | $84.8M | $6.2B |
| 股东权益账面价值 | $75.0M | $2.4B |
| 总资产 | $236.7M | $29.4B |
| 负债/权益比越低杠杆越低 | 1.13× | 2.53× |
8季度趋势，按日历期对齐
现金及短期投资LPROSLM
| Q1 26 | — | $5.2B | ||
| Q4 25 | $176.6M | $4.2B | ||
| Q3 25 | $222.1M | $3.5B | ||
| Q2 25 | $230.7M | $4.1B | ||
| Q1 25 | $236.2M | $3.7B | ||
| Q4 24 | $243.2M | $4.7B | ||
| Q3 24 | $250.2M | $4.5B | ||
| Q2 24 | — | $5.3B |
总债务LPROSLM
| Q1 26 | — | $6.2B | ||
| Q4 25 | $84.8M | $5.4B | ||
| Q3 25 | $134.4M | $6.8B | ||
| Q2 25 | $136.1M | $6.4B | ||
| Q1 25 | $137.9M | $6.1B | ||
| Q4 24 | $139.7M | $6.4B | ||
| Q3 24 | $141.5M | $6.0B | ||
| Q2 24 | — | $5.4B |
股东权益LPROSLM
| Q1 26 | — | $2.4B | ||
| Q4 25 | $75.0M | $2.5B | ||
| Q3 25 | $72.8M | $2.3B | ||
| Q2 25 | $78.9M | $2.4B | ||
| Q1 25 | $79.8M | $2.4B | ||
| Q4 24 | $78.1M | $2.2B | ||
| Q3 24 | $220.5M | $2.1B | ||
| Q2 24 | — | $2.3B |
总资产LPROSLM
| Q1 26 | — | $29.4B | ||
| Q4 25 | $236.7M | $29.7B | ||
| Q3 25 | $287.7M | $29.6B | ||
| Q2 25 | $296.7M | $29.6B | ||
| Q1 25 | $304.2M | $28.9B | ||
| Q4 24 | $296.4M | $30.1B | ||
| Q3 24 | $395.7M | $30.0B | ||
| Q2 24 | — | $28.8B |
负债/权益比LPROSLM
| Q1 26 | — | 2.53× | ||
| Q4 25 | 1.13× | 2.19× | ||
| Q3 25 | 1.84× | 2.92× | ||
| Q2 25 | 1.72× | 2.70× | ||
| Q1 25 | 1.73× | 2.56× | ||
| Q4 24 | 1.79× | 2.98× | ||
| Q3 24 | 0.64× | 2.83× | ||
| Q2 24 | — | 2.37× |
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 | $5.5M | — |
| 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 | 0.0% | — |
| 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LPROSLM
| Q1 26 | — | — | ||
| Q4 25 | $5.5M | $-64.5M | ||
| Q3 25 | $-5.7M | $-49.3M | ||
| Q2 25 | $848.0K | $-138.7M | ||
| Q1 25 | $-3.8M | $-146.1M | ||
| Q4 24 | $-3.4M | $4.5M | ||
| Q3 24 | $11.4M | $-113.4M | ||
| Q2 24 | — | $-143.8M |
自由现金流LPROSLM
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | $837.0K | — | ||
| Q1 25 | $-3.9M | — | ||
| Q4 24 | $-3.4M | — | ||
| Q3 24 | $11.3M | — | ||
| Q2 24 | — | — |
自由现金流率LPROSLM
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | 3.3% | — | ||
| Q1 25 | -15.9% | — | ||
| Q4 24 | 5.9% | — | ||
| Q3 24 | 48.0% | — | ||
| Q2 24 | — | — |
资本支出强度LPROSLM
| Q1 26 | — | — | ||
| Q4 25 | 0.0% | — | ||
| Q3 25 | 0.0% | — | ||
| Q2 25 | 0.0% | — | ||
| Q1 25 | 0.2% | — | ||
| Q4 24 | -0.0% | — | ||
| Q3 24 | 0.5% | — | ||
| Q2 24 | — | — |
现金转化率LPROSLM
| Q1 26 | — | — | ||
| Q4 25 | — | -0.28× | ||
| Q3 25 | — | -0.36× | ||
| Q2 25 | 0.82× | -1.95× | ||
| Q1 25 | -6.22× | -0.48× | ||
| Q4 24 | — | 0.04× | ||
| Q3 24 | 7.92× | — | ||
| Q2 24 | — | -0.57× |
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
LPRO
暂无分部数据
SLM
| Net Interest Income | $375.0M | 67% |
| Noninterest Income | $185.0M | 33% |
