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

$1.60B

P/E (TTM)

11.8

28.7

Dividend Yield

52W High

$21.67

52W Low

$7.90

52W Range

43%

Rank67Top 97.6%

1.4

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Weak • 1.4 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$354.03M+12.24%

4-Quarter Trend

EPS

$0.36+317.63%

4-Quarter Trend

FCF

-$919.35M+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Net Income Soars 164% Net income reached $135.7M, a 164% increase year-over-year, supported by total net revenue growth of 27% to $998.8M.

NIM Expansion and Funding Costs Net Interest Margin improved to 6.07% from 5.62%, primarily driven by lower deposit funding costs offsetting interest-earning asset fluctuations.

Asset Quality Significantly Improves Net Charge-off ratio substantially decreased to 3.6% in 2025 from 5.8% in 2024, reflecting better credit performance across the portfolio.

Loan Originations Growth Total loan originations grew 33% to $9.59B, fueled by a 30% increase in marketplace loan volume and higher investor demand.

Risk Factors

Regulatory and Political Uncertainty Recent presidential administration actions directed the CFPB to suspend supervision, creating uncertainty regarding future legal and regulatory compliance.

Technology System Vulnerabilities Reliance on technology infrastructure exposes the company to risks from cyber-attacks, system failures, and the successful implementation of new AI initiatives.

Marketplace Investor Reliance Business success heavily depends on marketplace investors; any pause or reduction in their participation could materially harm origination volume and revenue.

Interest Rate Sensitivity Exposure Fluctuating interest rates affect NIM and loan demand; hedging activities may not fully mitigate the impact of repricing fixed-rate assets versus variable-rate deposits.

Outlook

New Accounting Methodology Adopted Effective January 1, 2026, the fair value option was elected for new HFI loans, aligning accounting methodology across all newly originated loans.

Product Expansion Planned LendingClub intends to expand loan offerings in 2026, focusing on new areas like home improvement financing to enhance the ecosystem.

Capital Return Program The Board approved a $100M share repurchase program through December 31, 2026, indicating focus on stockholder value return.

Deposit Funding Stability Total deposits grew to $9.83B, supporting growth strategy by providing a less costly and stable funding source for lending activities.

Peer Comparison

Revenue (TTM)

SYF

$19.12B

-2.9%

AFRM

$3.72B

+32.7%

PSTG

$3.66B

+15.6%

Gross Margin (Latest Quarter)

AGM

96.9%

+1.8pp

UPST

90.8%

-11.2pp

TREE

89.6%

+0.0pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
SYF	$23.06B	6.4	21.1%	12.7%
PSTG	$20.75B	110.4	13.9%	4.6%
AFRM	$15.89B	56.5	8.8%	69.9%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

5.7%

Steady Growth

4Q Net Income CAGR

52.7%

Profitability Improved

Cash Flow Stability

Cash Flow Needs Attention

Deep Research

Next earnings:Apr 27, 2026

EPS:-

Revenue:-

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data