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6Material company update
Apr 27, 2026·SEC
Material company update
Jan 28, 2026·SEC
Material company update
Jan 27, 2026·SEC
LendingClub Corporation(LC)Earnings, Financials & Key Ratios
LC•NYSE•Banking & Credit
$17.06
$1.96B mkt cap·14.8× P/E·Price updated May 6, 2026
AboutLendingClub Corporation, operates as a bank holding company for LendingClub Bank, National Association that provides range of financial products and services through a technology-driven platform in the United States. The company provides commercial and industrial, commercial real estate, small business, and equipment loans, as well as leases equipment; and unsecured personal and auto, patient finance, and education finance loans. It also operates an online lending marketplace platform that connects borrowers and investors. LendingClub Corporation was incorporated in 2006 and is headquartered in San Francisco, California.Show more
- Net Interest Income$626M+17.2%
- Total Revenue$1.33B+15.0%
- Net Income$136M+164.3%
- Return on Equity9.55%+141.2%
- Net Interest Margin5.41%+7.7%
- Efficiency Ratio39.71%-15.2%
- ROA1.22%+131.7%
- Equity / Assets12.97%+2.8%
- Book Value per Share12.62+6.4%
- Tangible BV/Share11.92+7.3%
- Debt/Equity0.01-50.3%
LC Key Insights
LendingClub Corporation (LC) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Company is almost debt free
- ✓Strong NIM of 5.4%
- ✓Efficient operations: 39.7% efficiency ratio
- ✓Well capitalized: 13.0% equity/assets
- ✓Trading at only 1.4x book value
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
LC Price & Volume
LendingClub Corporation (LC) stock price & volume — 10-year historical chart
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LC Growth Metrics
LendingClub Corporation (LC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years3.81%
5 Years24%
3 Years1.68%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-22.34%
TTM164.32%
EPS CAGR
10 Years-
5 Years-
3 Years-25.58%
TTM153.58%
Return on Capital
10 Years-0.23%
5 Years3.84%
3 Years2.77%
Last Year3.29%
LC Recent Earnings
LendingClub Corporation (LC) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 11/12 qtrs (92%)●Beat Revenue 11/12 qtrs (92%)
Q2 2026Latest
Apr 27, 2026EPS
$0.44
Est $0.38
+15.8%
Revenue
$252M
Est $249M
+1.3%
Q1 2026
Jan 28, 2026EPS
$0.35
Est $0.31
+12.9%
Revenue
$266M
Est $262M
+1.7%
Q4 2025
Oct 22, 2025EPS
$0.37
Est $0.30
+21.9%
Revenue
$350M
Est $256M
+36.4%
Q3 2025
Jul 29, 2025EPS
$0.33
Est $0.15
+120.0%
Revenue
$331M
Est $259M
+27.9%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 27, 2026 | $0.44vs $0.38+15.8% | $252Mvs $249M+1.3% |
| Q1 2026 | Jan 28, 2026 | $0.35vs $0.31+12.9% | $266Mvs $262M+1.7% |
| Q4 2025 | Oct 22, 2025 | $0.37vs $0.30+21.9% | $350Mvs $256M+36.4% |
| Q3 2025 | Jul 29, 2025 | $0.33vs $0.15+120.0% | $331Mvs $259M+27.9% |
Based on last 12 quarters of dataView full earnings history →
LC Peer Comparison
LendingClub Corporation (LC) competitors in Small Business and Middle-Market Lending — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 SOFI | 20.79B | 16.30 | 41.79 | 28.78% | 5.87% | 0.17 | ||
 UPST | 2.74B | 28.68 | 63.73 | 58.87% | 6.59% | 2.32 | ||
 PFSI | 4.54B | 86.94 | 9.35 | 173.81% | 12.02% | 5.35 | ||
 ATLC | 1.16B | 77.82 | 13.06 | 53.29% | 21.1% | 10.84 | ||
 OMF | 6.55B | 55.90 | 8.52 | 9.09% | 23.62% | 6.67 | ||
 CACC | 5.63B | 539.93 | 14.38 | 8.57% | 29.39% | 4.17 | ||
 ALLY | 13.67B | 44.30 | 18.69 | -25.75% | 5.5% | 1.40 | ||
 SLM | 4.46B | 22.53 | 6.51 | 4.1% | 31.01% | 2.39 |
Compare LC vs Peers
LendingClub Corporation (LC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
LC Income Statement
LendingClub Corporation (LC) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 39.84M | 101.86M | 98.04M | 59.33M | 212.83M | 474.82M | 561.84M | 534.04M | 625.67M |
| NII Growth % | 380.29% | 155.7% | -3.75% | -39.49% | 258.74% | 123.1% | 18.33% | -4.95% | 17.16% |
| Net Interest Margin % | 0.86% | 2.67% | 3.29% | 3.18% | 4.34% | 5.95% | 6.36% | 5.02% | 5.41% |
| Interest Income | 611.26M | 487.46M | 345.35M | 209.69M | 292.83M | 557.34M | 832.63M | 907.96M | 961.54M |
| Interest Expense | 571.42M | 385.61M | 247.3M | 150.37M | 80M | 82.52M | 270.79M | 373.92M | 335.87M |
| Loan Loss Provision | 0 | 0 | 0 | 3.38M | 138.8M | 267.33M | 243.56M | 178.27M | 135.09M |
| Non-Interest Income | 447.81M | 493.58M | 633.86M | 245.53M | 605.8M | 712.39M | 302.78M | 252.97M | 373.18M |
| Non-Interest Income % | 42.28% | 50.31% | 64.73% | 53.94% | 67.41% | 56.11% | 26.67% | 21.79% | 27.96% |
| Total Revenue | 1.06B▲ 0% | 981.04M▼ 7.4% | 979.2M▼ 0.2% | 455.22M▼ 53.5% | 898.63M▲ 97.4% | 1.27B▲ 41.3% | 1.14B▼ 10.6% | 1.16B▲ 2.2% | 1.33B▲ 15.0% |
| Revenue Growth % | -4.97% | -7.37% | -0.19% | -53.51% | 97.41% | 41.3% | -10.58% | 2.25% | 14.97% |
| Non-Interest Expense | 641.06M | 723.55M | 762.79M | 489.09M | 661.39M | 766.85M | 566.44M | 543.68M | 530.06M |
| Efficiency Ratio | 60.53% | 73.75% | 77.9% | 107.44% | 73.6% | 60.39% | 49.89% | 46.83% | 39.71% |
| Operating Income | -153.41M▲ 0% | -128.11M▲ 16.5% | -30.89M▲ 75.9% | -187.62M▼ 507.4% | 18.44M▲ 109.8% | 153.04M▲ 729.7% | 54.62M▼ 64.3% | 65.07M▲ 19.1% | 333.69M▲ 412.9% |
| Operating Margin % | -14.49% | -13.06% | -3.15% | -41.21% | 2.05% | 12.05% | 4.81% | 5.6% | 25% |
| Operating Income Growth % | -2.14% | 16.49% | 75.89% | -507.35% | 109.83% | 729.74% | -64.31% | 19.13% | 412.85% |
| Pretax Income | -153.41M▲ 0% | -128.11M▲ 16.5% | -30.89M▲ 75.9% | -187.62M▼ 507.4% | 18.44M▲ 109.8% | 153.04M▲ 729.7% | 54.62M▼ 64.3% | 65.07M▲ 19.1% | 176.95M▲ 171.9% |
| Pretax Margin % | -14.49% | -13.06% | -3.15% | -41.21% | 2.05% | 12.05% | 4.81% | 5.6% | 13.26% |
| Income Tax | 632K | 43K | -201K | -79K | -136K | -136.65M | 15.68M | 13.74M | 41.27M |
| Effective Tax Rate % | -0.41% | -0.03% | 0.65% | 0.04% | -0.74% | -89.29% | 28.71% | 21.11% | 23.32% |
| Net Income | -153.84M▲ 0% | -128.31M▲ 16.6% | -30.75M▲ 76.0% | -187.54M▼ 510.0% | 18.58M▲ 109.9% | 289.69M▲ 1459.1% | 38.94M▼ 86.6% | 51.33M▲ 31.8% | 135.68M▲ 164.3% |
| Net Margin % | -14.53% | -13.08% | -3.14% | -41.2% | 2.07% | 22.81% | 3.43% | 4.42% | 10.17% |
| Net Income Growth % | -5.39% | 16.59% | 76.04% | -509.98% | 109.91% | 1459.12% | -86.56% | 31.82% | 164.32% |
| Net Income (Continuing) | -154.04M | -128.15M | -30.69M | -187.54M | 18.58M | 289.69M | 38.94M | 51.33M | 135.68M |
| EPS (Diluted) | -1.88▲ 0% | -1.52▲ 19.1% | -0.35▲ 77.0% | -2.07▼ 491.4% | 0.18▲ 108.7% | 2.79▲ 1450.0% | 0.36▼ 87.1% | 0.45▲ 25.0% | 1.15▲ 155.6% |
| EPS Growth % | 0% | 19.15% | 76.97% | -491.43% | 108.7% | 1450% | -87.1% | 25% | 155.56% |
| EPS (Basic) | -1.88 | -1.52 | -0.35 | -2.07 | 0.19 | 2.80 | 0.36 | 0.46 | 1.18 |
| Diluted Shares Outstanding | 81.8M | 84.58M | 87.28M | 90.44M | 102.15M | 104M | 108.47M | 113.12M | 118.86M |
LC Balance Sheet
LendingClub Corporation (LC) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 519.29M | 543.44M | 514.71M | 667.19M | 950.66M | 1.4B | 2.87B | 957.05M | 917.65M |
| Cash & Due from Banks | 401.72M | 372.97M | 243.78M | 524.96M | 687.13M | 1.06B | 1.25B | 954.06M | 917.65M |
| Short Term Investments | 117.57M | 170.47M | 270.93M | 142.23M | 263.53M | 345.7M | 1.62B | 2.99M | 3.71B |
| Total Investments | 3.66B | 2.9B | 2.12B | 959.04M | 3.54B | 6.02B | 6.77B | 8.99B | 9.95B |
| Investments Growth % | -20.81% | -20.57% | -26.86% | -54.86% | 269.44% | 69.93% | 12.49% | 32.68% | 10.71% |
| Long-Term Investments | 3.54B | 2.73B | 1.85B | 816.82M | 3.28B | 5.68B | 5.15B | 8.98B | 3.76B |
| Accounts Receivables | 46.15M | 41.58M | 31.87M | 15.45M | 0 | 30.9M | 35.79M | 40.39M | 43.92M |
| Goodwill & Intangibles | 57.56M | 18.05M | 14.55M | 67.77M | 167.27M | 92.05M | 87.85M | 84.3M | 83.14M |
| Goodwill | 35.63M | 0 | 0 | 0 | 75.72M | 75.72M | 75.72M | 75.72M | 75.72M |
| Intangible Assets | 21.92M | 18.05M | 14.55M | 67.77M | 91.55M | 16.33M | 12.13M | 8.59M | 7.42M |
| PP&E (Net) | 101.93M | 113.88M | 207.85M | 170.68M | 175.31M | 200.34M | 188.13M | 188.84M | 254.09M |
| Other Assets | 287.03M | 342.63M | 344.89M | 108.93M | 178.41M | 244.65M | 228.26M | -9.15B | -3.76B |
| Total Current Assets | 654.67M | 610.62M | 561.44M | 699.09M | 1.1B | 1.59B | 3.02B | 3.47B | 3.72B |
| Total Non-Current Assets | 3.99B | 3.21B | 2.42B | 1.16B | 3.8B | 6.39B | 5.81B | 243.25M | 329.81M |
| Total Assets | 4.64B▲ 0% | 3.82B▼ 17.7% | 2.98B▼ 21.9% | 1.86B▼ 37.5% | 4.9B▲ 163.0% | 7.98B▲ 62.8% | 8.83B▲ 10.6% | 10.63B▲ 20.4% | 11.57B▲ 8.8% |
| Asset Growth % | -16.57% | -17.7% | -21.92% | -37.52% | 162.99% | 62.84% | 10.62% | 20.43% | 8.82% |
| Return on Assets (ROA) | -3.02% | -3.03% | -0.9% | -7.74% | 0.55% | 4.5% | 0.46% | 0.53% | 1.22% |
| Accounts Payable | 42.39M | 26.34M | 20.11M | 46.88M | 100.97M | 98.17M | 54.62M | 78.13M | 87.34M |
| Total Debt | 3.33B | 3.08B | 2.41B | 989.11M | 429.99M | 210.19M | 57.22M | 28.5M | 15.83M |
| Net Debt | 2.93B | 2.71B | 2.17B | 464.15M | -257.13M | -846.84M | -1.2B | -925.56M | -901.83M |
| Long-Term Debt | 3.27B | 2.16B | 1.12B | 789.58M | 310.63M | 130.28M | 19.35M | 14.84M | 60.25M |
| Short-Term Debt | 64.2M | 917.6M | 1.17B | 104.99M | 27.78M | 2.62M | 3.92M | 13.66M | 0 |
| Other Liabilities | 300.12M | -225.77M | -397.77M | 83.82M | 383.32M | 114.53M | 130.31M | 7.38B | 9.99B |
| Total Current Liabilities | 127.91M | 986.46M | 1.23B | 166.26M | 3.26B | 6.49B | 7.39B | 1.89B | 7.97M |
| Total Non-Current Liabilities | 3.59B | 1.96B | 850.34M | 972.87M | 785.54M | 322.11M | 187.54M | 7.4B | 10.07B |
| Total Liabilities | 3.71B | 2.95B | 2.08B | 1.14B | 4.05B | 6.82B | 7.58B | 9.29B | 10.07B |
| Total Equity | 927.76M▲ 0% | 870.98M▼ 6.1% | 900.19M▲ 3.4% | 724.17M▼ 19.6% | 850.24M▲ 17.4% | 1.16B▲ 36.9% | 1.25B▲ 7.5% | 1.34B▲ 7.2% | 1.5B▲ 11.8% |
| Equity Growth % | -4.92% | -6.12% | 3.35% | -19.55% | 17.41% | 36.94% | 7.52% | 7.18% | 11.83% |
| Equity / Assets (Capital Ratio) | 19.99% | 22.8% | 30.18% | 38.87% | 17.35% | 14.59% | 14.18% | 12.62% | 12.97% |
| Return on Equity (ROE) | -16.16% | -14.27% | -3.47% | -23.09% | 2.36% | 28.76% | 3.22% | 3.96% | 9.55% |
| Book Value per Share | 11.34 | 10.30 | 10.31 | 8.01 | 8.32 | 11.19 | 11.54 | 11.86 | 12.62 |
| Tangible BV per Share | 10.64 | 10.08 | 10.15 | 7.26 | 6.69 | 10.31 | 10.73 | 11.12 | 11.92 |
| Common Stock | 4.2M | 864K | 892K | 881K | 1.01M | 1.06M | 1.1M | 1.13M | 1.15M |
| Additional Paid-in Capital | 1.33B | 1.41B | 1.47B | 1.51B | 1.56B | 1.63B | 1.67B | 1.7B | 1.72B |
| Retained Earnings | -389.42M | -517.73M | -548.47M | -786.21M | -717.43M | -427.75M | -388.81M | -337.48M | -201.8M |
| Accumulated OCI | -5K | 157K | -565K | 1.48M | 7.05M | -37.62M | -30.3M | -24.24M | -18.16M |
| Treasury Stock | -19.48M | -19.48M | -19.55M | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
LC Cash Flow Statement
LendingClub Corporation (LC) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | -573.39M | -639.74M | -270.64M | 418.03M | 239.87M | 375.57M | -1.14B | -2.63B | -2.73B |
| Operating CF Growth % | -105308.81% | -11.57% | 57.69% | 254.46% | -42.62% | 56.57% | -402.63% | -131.76% | -3.52% |
| Net Income | -154.04M | -128.15M | -30.69M | -187.54M | 18.58M | 289.69M | 38.94M | 51.33M | 135.68M |
| Depreciation & Amortization | 46.21M | 54.76M | 62.15M | 54.03M | 44.28M | 43.83M | 47.2M | 53.3M | 62.89M |
| Deferred Taxes | 0 | 0 | 0 | -27.43M | 0 | -143.5M | 0 | 0 | 0 |
| Other Non-Cash Items | -618.57M | -579.77M | -299.63M | 613.98M | 93.61M | 156.78M | -1.24B | -2.79B | -2.99B |
| Working Capital Changes | 82.04M | -61.67M | -76.11M | -96.54M | 16.64M | -37.6M | -32.85M | 15.96M | 33.29M |
| Cash from Investing | 998.57M | 878.74M | 653.77M | 565.77M | -454.41M | -2.81B | 516.7M | 607.81M | 1.93B |
| Purchase of Investments | -139.77M | -136.44M | -144.48M | -53.74M | -100.47M | -222.53M | -61.65M | -49.79M | -30.45M |
| Sale/Maturity of Investments | 363.08M | 200.7M | 236.53M | 231.68M | 249.59M | 86.08M | 97.71M | 938.41M | 1.79B |
| Net Investment Activity | 223.31M | 64.26M | 92.05M | 177.94M | 149.12M | -136.46M | 36.06M | 888.62M | 1.76B |
| Acquisitions | 0 | 0 | 0 | 418.58M | 522.89M | 0 | 0 | 0 | 0 |
| Other Investing | 819.88M | 867.45M | 612.39M | 400K | -1.09B | -2.6B | 540.14M | -226.51M | 316.19M |
| Cash from Financing | -474.31M | -239.23M | -540.06M | -842.44M | 349.64M | 2.8B | 789.57M | 1.71B | 747.82M |
| Dividends Paid | 0 | 0 | 0 | -50.2M | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Stock Issued | 5.61M | 5.23M | 2.41M | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | 5.61M | 5.23M | 2.41M | 0 | 0 | 0 | 0 | 0 | 0 |
| Debt Issuance (Net) | -1000K | -1000K | -1000K | -1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Other Financing | 893K | -21.2M | -29.18M | -8.95M | -9.29M | -9.03M | -19.83M | -13.67M | -22.09M |
| Net Change in Cash | -49.12M▲ 0% | -231K▲ 99.5% | -156.94M▼ 67837.7% | 141.36M▲ 190.1% | 135.1M▼ 4.4% | 360.9M▲ 167.1% | 169.66M▼ 53.0% | -316.75M▼ 286.7% | -46.96M▲ 85.2% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 693.41M | 644.29M | 644.06M | 487.12M | 628.49M | 763.59M | 1.12B | 1.29B | 977.4M |
| Cash at End | 644.29M | 644.06M | 487.12M | 628.49M | 763.59M | 1.12B | 1.29B | 977.4M | 930.44M |
| Interest Paid | 581.43M | 394.46M | 254.59M | 143.84M | 77.33M | 79.73M | 258.63M | 378.28M | 341.39M |
| Income Taxes Paid | 0 | 0 | 0 | 3K | 4.8M | 14.46M | 6.63M | 275K | 3.38M |
| Free Cash Flow | -618M▲ 0% | -692.72M▼ 12.1% | -321.31M▲ 53.6% | 386.88M▲ 220.4% | 205.46M▼ 46.9% | 306.09M▲ 49.0% | -1.2B▼ 490.8% | -2.69B▼ 124.8% | -2.87B▼ 6.7% |
| FCF Growth % | -1104.75% | -12.09% | 53.62% | 220.41% | -46.89% | 48.98% | -490.77% | -124.77% | -6.65% |
LC Banking Ratios
LendingClub Corporation (LC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | -14.47% | -16.16% | -14.27% | -3.47% | -23.09% | 2.36% | 28.76% | 3.22% | 3.96% | 9.55% |
| Return on Assets (ROA) | -2.57% | -3.02% | -3.03% | -0.9% | -7.74% | 0.55% | 4.5% | 0.46% | 0.53% | 1.22% |
| Net Interest Margin | 0.15% | 0.86% | 2.67% | 3.29% | 3.18% | 4.34% | 5.95% | 6.36% | 5.02% | 5.41% |
| Efficiency Ratio | 51.71% | 60.53% | 73.75% | 77.9% | 107.44% | 73.6% | 60.39% | 49.89% | 46.83% | 39.71% |
| Equity / Assets | 17.54% | 19.99% | 22.8% | 30.18% | 38.87% | 17.35% | 14.59% | 14.18% | 12.62% | 12.97% |
| Book Value / Share | 12.58 | 11.34 | 10.3 | 10.31 | 8.01 | 8.32 | 11.19 | 11.54 | 11.86 | 12.62 |
| NII Growth | 156.62% | 380.29% | 155.7% | -3.75% | -39.49% | 258.74% | 123.1% | 18.33% | -4.95% | 17.16% |
LC SEC Filings & Documents
LendingClub Corporation (LC) SEC filings — annual & quarterly reports (10-K, 10-Q)
LC Frequently Asked Questions
LendingClub Corporation (LC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
LendingClub Corporation (LC) grew revenue by 15.0% over the past year. This is steady growth.
Yes, LendingClub Corporation (LC) is profitable, generating $135.7M in net income for fiscal year 2025 (10.2% net margin).
Dividend & Returns
LendingClub Corporation (LC) has a return on equity (ROE) of 9.5%. This is below average, suggesting room for improvement.
Industry Metrics
LendingClub Corporation (LC) has a net interest margin (NIM) of 5.4%. This indicates healthy earnings from lending activities.
LendingClub Corporation (LC) has an efficiency ratio of 39.7%. This is excellent, indicating strong cost control.
Explore More LC
LendingClub Corporation (LC) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates