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LendingClub Corporation

LendingClub Corporation

NYSE•LC
CEO: Mr. Scott C. Sanborn
Sector: Financial Services
Industry: Financial - Credit Services
Listing Date: 2014-12-11
LendingClub Corporation, operates as a bank holding company, that provides range of financial products and services in the United States. It offers deposit products, including savings accounts, checking accounts, and certificates of deposit. The company also provides loan products, such as consumer loans comprising unsecured personal loans, secured auto refinance loans, and patient and education finance loans; and commercial loans, including small business loans. In addition, it operates an online lending marketplace platform. The company was incorporated in 2006 and is headquartered in San Francisco, California.
Contact Information
595 Market Street, Suite 200, San Francisco, CA, 94105, United States
415-632-5600
www.lendingclub.com
Market Cap
$2.24B
P/E (TTM)
21.5
34.5
Dividend Yield
--
52W High
$19.88
52W Low
$7.90
52W Range
96%
Rank68Top 92.8%
1.7
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 1.7 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2015-2024

Financial Dashboard

Q3 2025 Data

Revenue

$349.59M+15.75%
4-Quarter Trend

EPS

$0.39+200.00%
4-Quarter Trend

FCF

-$791.83M+16.06%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Net Income Soars 206% YoY Net income reached $44.3M for Q3 2025, driven by strong total net revenue growth of 32% year-over-year.
Strong Marketplace Revenue Growth Total marketplace revenue grew 75% YoY to $102.2M, fueled by a 48% increase in origination fees this quarter.
Net Interest Margin Expansion NIM improved significantly to 6.18% (up from 5.63% YoY), benefiting from lower deposit funding costs and asset growth.
Robust Loan Origination Volume Total loan originations increased 37% YoY to $2.62B, led by marketplace loan volume growth of 44% driven by higher retention.

Risk Factors

Economic Uncertainty Pressures Evolving inflation, interest rates, and policy create uncertainty, potentially increasing borrower default risk and impacting loan volume.
Non-Interest Expense Rises Total non-interest expense rose 19% YoY to $162.7M, primarily due to increased marketing spend and higher headcount costs.
Elevated Credit Loss Provision Provision for credit losses was $46.3M in Q3 2025, reflecting higher initial provisioning on a greater mix of retained HFI loans.
HFS Loan Fair Value Loss Net fair value adjustments on loans held for sale resulted in a $38.4M loss for the quarter, partially offset by higher loan sale prices.

Outlook

Strong Capital Adequacy Maintained LendingClub Corp CET1 ratio remains strong at 18.0%, well above the 7.0% required minimum including the capital conservation buffer.
Interest Rate Sensitivity Forecast Rising rates project a decrease in NII over the next twelve months due to higher interest paid on interest-bearing deposits.
Deposit Base Stability Focus Liquidity management focuses on deposit stability; FDIC-insured deposits represent approximately 88% of total deposits as of September 30, 2025.
Software Amortization Increasing Depreciation and amortization expense increased 27% YoY due to higher amortization of internally-developed software placed into service.

Peer Comparison

Revenue (TTM)

Synchrony FinancialSYF
$20.16B
-12.6%
Affirm Holdings, Inc.AFRM
$3.46B
+37.0%
Navient CorporationNAVI
$3.41B
-25.0%

Gross Margin (Latest Quarter)

LendingTree, Inc.TREE
96.4%
+0.0pp
Navient CorporationNAVI
95.9%
+19.4pp
Synchrony FinancialSYF
83.2%
+30.2pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
SYF$30.48B8.521.2%12.3%
PSTG$23.07B165.810.5%5.5%
AFRM$22.15B96.37.8%69.3%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
3.5%
Moderate Growth
4Q Net Income CAGR
65.8%
Profitability Improved
Cash Flow Stability
0%
Cash Flow Needs Attention

Research & Insights

Next earnings:Jan 27, 2026
|
EPS:$0.34
|
Revenue:$262.73M
Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Oct 30, 2025|
    Revenue: $349.59M+15.8%
    |
    EPS: $0.39+200.0%
    Beat

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Jul 31, 2025|
    Revenue: $331.28M+19.0%
    |
    EPS: $0.33+153.8%
    Beat

  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 1, 2025|
    Revenue: $299.81M+13.1%
    |
    EPS: $0.10-9.1%
    Miss

  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Feb 13, 2025|
    Revenue: $1.16B+2.2%
    |
    EPS: $0.46+27.8%
    Beat

  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Oct 30, 2024|
    Revenue: $302.02M+52.6%
    |
    EPS: $0.13+183.2%
    Beat

  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 1, 2024|
    Revenue: $278.35M+21.0%
    |
    EPS: $0.13+38.7%
    Beat

  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 1, 2024|
    Revenue: $265.15M+10.1%
    |
    EPS: $0.11-15.4%
    Beat

  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Feb 16, 2024|
    Revenue: $1.14B-10.6%
    |
    EPS: $0.36-87.1%
    Beat