LendingClub Corporation (LC) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 | Q1'21 |
|---|
| Sales/Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Revenue Growth % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Cost of Goods Sold | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| COGS % of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | 266.47M | 219.95M | 208.7M | 159.56M | 153.96M | 154.34M | 151.68M | 148.76M | 154.08M | 136.37M | 165.88M | 175.11M | 196.33M | 217.56M | 253.82M | 231.5M | 212.68M | 204.38M | 165.51M | 81.06M |
| Gross Margin % | 75.27% | 62.92% | 63% | 53.22% | 48.81% | 51.1% | 54.49% | 56.1% | 56.47% | 50.27% | 55.24% | 58.1% | 66.19% | 68.02% | 75.4% | 78.21% | 78.09% | 78.77% | 74.57% | 63.01% |
| Gross Profit Growth % | 73.07% | 42.51% | 37.59% | 7.26% | -0.07% | 13.18% | -8.56% | -15.05% | -21.52% | -37.32% | -34.65% | -24.36% | -7.69% | 6.45% | 53.36% | 185.61% | 259.62% | 182.68% | 296.83% | -27.69% |
| Operating Expenses | 169.28M | 162.71M | 154.72M | 143.87M | 142.85M | 136.33M | 132.26M | 132.23M | 140.39M | 128.03M | 151.08M | 157.31M | 175.18M | 181.61M | 203.72M | 185.68M | 183.8M | 174.51M | 155.9M | 130.96M |
| OpEx % of Revenue | 47.82% | 46.54% | 46.7% | 47.99% | 45.29% | 45.14% | 47.52% | 49.87% | 51.46% | 47.2% | 50.31% | 52.19% | 59.06% | 56.78% | 60.52% | 62.73% | 67.49% | 67.26% | 70.24% | 101.81% |
| Selling, General & Admin | 106.32M | 101.54M | 95.57M | 87.63M | 82.07M | 83.59M | 83.2M | 83.69M | 82.06M | 78.05M | 95.49M | 100.19M | 122.91M | 130.95M | 146.6M | 136.69M | 129.45M | 124.09M | 107.03M | 83.97M |
| SG&A % of Revenue | 30.03% | 29.05% | 28.85% | 29.23% | 26.02% | 27.68% | 29.89% | 31.56% | 30.08% | 28.77% | 31.8% | 33.24% | 41.44% | 40.94% | 43.55% | 46.18% | 47.53% | 47.82% | 48.22% | 65.28% |
| Research & Development | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| R&D % of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | 97.19M | 57.24M | 53.98M | 15.7M | 11.11M | 18.01M | 19.42M | 16.53M | 13.68M | 8.34M | 14.8M | 17.8M | 21.15M | 35.95M | 50.11M | 45.82M | 28.87M | 29.87M | 9.61M | -49.91M |
| Operating Margin % | 27.45% | 16.37% | 16.3% | 5.23% | 3.52% | 5.96% | 6.98% | 6.23% | 5.02% | 3.07% | 4.93% | 5.91% | 7.13% | 11.24% | 14.88% | 15.48% | 10.6% | 11.51% | 4.33% | -38.8% |
| Operating Income Growth % | 774.93% | 217.85% | 177.95% | -5.04% | -18.82% | 116.05% | 31.27% | -7.16% | -35.31% | -76.82% | -70.47% | -61.15% | -26.74% | 20.38% | 421.5% | 191.82% | 207.02% | 186.83% | 112.24% | -4.47% |
| EBITDA | 113.83M | 74.12M | 69.45M | 29.59M | 25.32M | 31.35M | 32.49M | 29.2M | 25.64M | 19.59M | 26.43M | 30.16M | 32.71M | 46.64M | 60.66M | 56.86M | 25.18M | 40.42M | 21.12M | -38.14M |
| EBITDA Margin % | 32.15% | 21.2% | 20.96% | 9.87% | 8.03% | 10.38% | 11.67% | 11.01% | 9.4% | 7.22% | 8.8% | 10.01% | 11.03% | 14.58% | 18.02% | 19.21% | 9.24% | 15.58% | 9.51% | -29.65% |
| EBITDA Growth % | 349.52% | 136.43% | 113.74% | 1.35% | -1.23% | 60.07% | 22.93% | -3.17% | -21.61% | -58% | -56.42% | -46.97% | 29.91% | 15.39% | 187.28% | 249.09% | 270.32% | 290.1% | 134.46% | -12.05% |
| D&A (Non-Cash Add-back) | 16.64M | 16.88M | 15.47M | 13.9M | 14.21M | 13.34M | 13.07M | 12.67M | 11.95M | 11.25M | 11.64M | 12.35M | 11.55M | 10.68M | 10.56M | 11.04M | -3.7M | 10.55M | 11.51M | 11.77M |
| EBIT | 97.19M | 57.24M | 53.98M | 15.7M | 11.11M | 18.01M | 19.42M | 16.53M | 13.68M | 8.34M | 14.8M | 17.8M | 21.15M | 35.95M | 50.11M | 45.82M | 28.87M | 29.87M | 9.61M | -49.91M |
| Net Interest Income | 163.03M | 158.44M | 154.25M | 149.96M | 142.38M | 140.24M | 128.53M | 122.89M | 131.48M | 137M | 146.65M | 146.7M | 135.24M | 123.68M | 116.23M | 99.68M | 83.13M | 65.29M | 45.91M | 18.51M |
| Interest Income | 250.59M | 241.8M | 237.1M | 232.06M | 240.6M | 240.38M | 219.63M | 207.35M | 208.32M | 207.41M | 214.49M | 202.41M | 174M | 143.22M | 128.47M | 111.65M | 97.66M | 82.86M | 67.73M | 44.59M |
| Interest Expense | 87.56M | 83.36M | 82.85M | 82.1M | 98.21M | 100.14M | 91.11M | 84.46M | 76.84M | 70.41M | 67.83M | 55.71M | 38.76M | 19.54M | 12.24M | 11.97M | 14.52M | 17.57M | 21.82M | 26.08M |
| Other Income/Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Pretax Income | 50.03M | 57.24M | 53.98M | 15.7M | 11.11M | 18.01M | 19.42M | 16.53M | 13.68M | 8.34M | 14.8M | 17.8M | 21.15M | 35.95M | 50.11M | 45.82M | 28.87M | 29.87M | 9.61M | -49.91M |
| Pretax Margin % | 14.13% | 16.37% | 16.3% | 5.23% | 3.52% | 5.96% | 6.98% | 6.23% | 5.02% | 3.07% | 4.93% | 5.91% | 7.13% | 11.24% | 14.88% | 15.48% | 10.6% | 11.51% | 4.33% | -38.8% |
| Income Tax | 8.47M | 12.96M | 15.81M | 4.02M | 1.39M | 3.55M | 4.52M | 4.28M | 3.53M | 3.33M | 4.69M | 4.14M | -2.44M | -7.24M | -131.95M | 4.99M | -234K | 2.68M | 237K | -2.82M |
| Effective Tax Rate % | 16.94% | 22.65% | 29.28% | 25.64% | 12.5% | 19.72% | 23.27% | 25.88% | 25.79% | 39.92% | 31.67% | 23.23% | -11.53% | -20.14% | -263.35% | 10.89% | -0.81% | 8.98% | 2.47% | 5.65% |
| Net Income | 41.55M | 44.27M | 38.18M | 11.67M | 9.72M | 14.46M | 14.9M | 12.25M | 10.15M | 5.01M | 10.11M | 13.67M | 23.59M | 43.2M | 182.06M | 40.84M | 29.11M | 27.18M | 9.37M | -47.08M |
| Net Margin % | 11.74% | 12.66% | 11.52% | 3.89% | 3.08% | 4.79% | 5.35% | 4.62% | 3.72% | 1.85% | 3.37% | 4.53% | 7.95% | 13.51% | 54.08% | 13.8% | 10.69% | 10.48% | 4.22% | -36.6% |
| Net Income Growth % | 327.51% | 206.25% | 156.18% | -4.73% | -4.28% | 188.68% | 47.41% | -10.36% | -56.95% | -88.41% | -94.45% | -66.53% | -18.95% | 58.9% | 1842.8% | 186.73% | 209.2% | 179.2% | 111.94% | 2.09% |
| Net Income (Continuing) | 41.55M | 44.27M | 38.18M | 11.67M | 9.72M | 14.46M | 14.9M | 12.25M | 10.15M | 5.01M | 10.11M | 13.67M | 23.59M | 43.2M | 182.06M | 40.84M | 29.11M | 27.18M | 9.37M | -47.08M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EPS (Diluted) | 0.35 | 0.37 | 0.33 | 0.10 | 0.08 | 0.13 | 0.13 | 0.11 | 0.09 | 0.05 | 0.09 | 0.13 | 0.22 | 0.41 | 1.73 | 0.39 | 0.27 | 0.26 | 0.09 | -0.51 |
| EPS Growth % | 319.16% | 184.62% | 153.85% | -9.09% | -9.63% | 183.22% | 38.74% | -15.38% | -58% | -88.8% | -94.58% | -66.67% | -18.52% | 57.69% | 1822.22% | 176.47% | 181.82% | 155.32% | 108.04% | 8.93% |
| EPS (Basic) | 0.36 | 0.39 | 0.33 | 0.10 | 0.09 | 0.13 | 0.13 | 0.11 | 0.09 | 0.05 | 0.09 | 0.13 | 0.22 | 0.41 | 1.77 | 0.40 | 0.29 | 0.27 | 0.10 | -0.51 |
| Diluted Shares Outstanding | 118.86M | 118.19M | 115.69M | 116.18M | 116.4M | 113.92M | 111.47M | 110.69M | 109.95M | 109.07M | 107.9M | 106.92M | 105.98M | 105.85M | 105.04M | 105.05M | 108.1M | 106.11M | 102.03M | 92.67M |
| Basic Shares Outstanding | 115.33M | 114.96M | 114.41M | 113.69M | 112.79M | 112.04M | 111.4M | 110.69M | 109.95M | 109.07M | 107.89M | 106.91M | 105.65M | 104.22M | 102.78M | 101.49M | 100.32M | 99.07M | 97.79M | 92.67M |
| Dividend Payout Ratio | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |