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Lendingclub (HAPN) Financials

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$16.86 -0.63 (-3.62%)
As of 11:32 AM Eastern
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Annual Income Statements for Lendingclub

Annual Income Statements for Lendingclub

This table shows Lendingclub's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 -5.00 -146 -154 -94 -31 -188 19 290 39 51 136
Consolidated Net Income / (Loss)		 -5.00 -146 -154 -128 -31 -433 19 290 39 51 136
Net Income / (Loss) Continuing Operations		 -5.00 -146 -154 -94 -31 -433 19 290 39 51 136
Total Pre-Tax Income 		-2.16 -150 -153 -128 -31 -433 18 153 55 65 177
Total Revenue		 430 501 575 729 759 73 819 1,187 865 787 999
Net Interest Income / (Expense)		 3.25 5.35 9.02 1.17 98 59 213 475 562 534 626
Total Interest Income		 553 694 580 487 345 0.00 293 557 833 908 962
Loans and Leases Interest Income		 - - - - 325 197 281 523 726 664 706
Investment Securities Interest Income		 553 697 611 487 14 12 11 16 40 188 224
Other Interest Income		 0.01 -2.95 -31 - 6.00 1.05 1.17 19 66 56 32
Total Interest Expense		 550 688 571 386 247 150 80 83 271 374 336
Deposits Interest Expense		 - - - - 0.00 0.00 7.23 60 266 369 336
Other Interest Expense		 - - - - - - 15 22 5.24 4.70 0.15
Total Non-Interest Income		 427 495 566 627 661 0.00 606 712 303 253 373
Other Service Charges		 422 513 542 648 14 13 27 29 11 10 17
Investment Banking Income		 - - - - 647 0.00 579 684 291 243 356
Provision for Credit Losses		 - - - - 0.00 3.38 139 267 244 178 191
Total Non-Interest Expense		 432 651 728 823 789 502 661 767 566 544 631
Salaries and Employee Benefits		 - - - - 334 253 288 339 262 232 242
Net Occupancy & Equipment Expense		 - - - - 54 55 64 71 71 67 77
Marketing Expense		 249 332 372 424 235 52 156 198 94 100 149
Other Operating Expenses		 184 282 356 364 107 90 109 115 92 85 100
Depreciation Expense		 - - - - 59 54 44 44 47 59 63
Income Tax Expense		 2.83 -4.23 0.63 0.04 -0.20 -0.08 -0.14 -137 16 14 41
Basic Earnings per Share		 ($0.01) ($0.38) ($1.88) ($1.52) ($0.35) - $0.38 $2.80 $0.36 $0.46 $1.18
Weighted Average Basic Shares Outstanding		 374.87M 387.76M 81.80M 0.00 87.28M 0.00 98.14M 103.55M 108.47M 111.73M 114.61M
Diluted Earnings per Share		 ($0.01) ($0.38) ($1.88) ($1.52) ($0.35) - $0.18 $2.79 $0.36 $0.45 $1.16
Weighted Average Diluted Shares Outstanding		 374.87M 387.76M 81.80M 0.00 87.28M 0.00 102.15M 104.00M 108.47M 113.12M 117.23M
Weighted Average Basic & Diluted Shares Outstanding		 381.43M 400.16M 417.58M 84.58M 0.00 0.00 101.04M 106.57M 110.41M 113.38M 115.18M

Quarterly Income Statements for Lendingclub

This table shows Lendingclub's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 10 12 15 14 9.72 12 38 44 42 52 58
Consolidated Net Income / (Loss)		 10 12 15 14 9.72 12 38 44 42 52 58
Net Income / (Loss) Continuing Operations		 10 12 15 14 9.72 12 38 44 42 52 58
Total Pre-Tax Income 		14 17 19 18 11 16 54 57 50 67 76
Total Revenue		 186 181 187 202 217 218 248 266 266 252 263
Net Interest Income / (Expense)		 131 123 129 140 142 150 154 158 163 176 179
Total Interest Income		 208 207 220 240 241 232 237 242 251 261 269
Loans and Leases Interest Income		 171 156 164 175 169 166 175 179 186 200 206
Investment Securities Interest Income		 21 35 43 52 57 56 55 56 56 54 55
Other Interest Income		 16 17 13 12 14 9.61 7.11 6.39 8.82 6.90 7.42
Total Interest Expense		 77 84 91 100 98 82 83 83 88 85 90
Deposits Interest Expense		 76 84 90 97 98 82 83 83 88 85 90
Other Interest Expense		 0.59 0.50 0.91 3.27 0.01 0.00 0.00 0.14 0.00 0.00 0.00
Total Non-Interest Income		 54 58 59 62 75 68 94 108 103 76 84
Other Service Charges		 1.95 1.91 2.36 3.26 2.65 85 109 5.64 4.94 149 184
Net Realized & Unrealized Capital Gains on Investments		 - - - - - 12 14 - - 16 21
Other Non-Interest Income		 - - - - - -29 -28 - - -89 -121
Provision for Credit Losses		 42 32 36 48 63 58 40 46 47 0.39 -11
Total Non-Interest Expense		 130 132 132 136 143 144 155 163 169 185 198
Salaries and Employee Benefits		 59 60 57 57 59 58 62 61 61 66 68
Net Occupancy & Equipment Expense		 17 17 16 17 17 19 19 19 20 22 21
Marketing Expense		 23 24 27 26 23 29 34 41 46 55 63
Other Operating Expenses		 19 19 20 23 24 23 24 26 26 26 28
Depreciation Expense		 12 13 13 13 20 14 15 17 17 16 18
Income Tax Expense		 3.53 4.28 4.52 3.55 1.39 4.02 16 13 8.48 16 18
Basic Earnings per Share		 $0.09 $0.11 $0.13 $0.13 $0.09 $0.10 $0.33 $0.39 $0.36 $0.45 $0.50
Weighted Average Basic Shares Outstanding		 108.47M 110.69M 111.40M 112.04M 111.73M 113.69M 114.41M 114.96M 114.61M 115.40M 115.38M
Diluted Earnings per Share		 $0.09 $0.11 $0.13 $0.13 $0.08 $0.10 $0.33 $0.37 $0.36 $0.44 $0.50
Weighted Average Diluted Shares Outstanding		 108.47M 110.69M 111.47M 113.92M 113.12M 116.18M 115.69M 118.19M 117.23M 117.33M 117.27M
Weighted Average Basic & Diluted Shares Outstanding		 110.41M 111.12M 111.82M 112.40M 113.38M 114.20M 114.74M 115.30M 115.18M 115.35M 115.41M

Annual Cash Flow Statements for Lendingclub

This table details how cash moves in and out of Lendingclub's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -246 -11 -49 -0.23 -157 141 135 361 170 -317 -47
Net Cash From Operating Activities		 75 0.55 -573 -640 -271 418 240 376 -1,137 -2,634 -2,727
Net Cash From Continuing Operating Activities		 95 291 -573 -640 -271 418 240 376 -1,137 -2,634 -2,727
Net Income / (Loss) Continuing Operations		 0.00 0.00 -154 -128 -31 -188 19 290 39 51 136
Consolidated Net Income / (Loss)		 - - -154 -128 -31 -188 19 290 39 51 136
Provision For Loan Losses		 - - - - 0.00 3.38 139 267 244 178 191
Depreciation Expense		 22 30 46 55 62 54 44 44 47 59 63
Amortization Expense		 - - - - - 0.00 -41 -86 -91 -69 -62
Non-Cash Adjustments to Reconcile Net Income		 51 238 12,872 14,149 156 209 58 -110 192 156 120
Changes in Operating Assets and Liabilities, net		 22 23 233 -129 -458 339 21 -30 -1,568 -3,010 -3,175
Net Cash From Investing Activities		 -2,407 -326 999 879 654 566 -454 -2,810 517 608 1,932
Net Cash From Continuing Investing Activities		 -2,407 -326 999 879 654 566 -454 -2,810 517 608 1,932
Purchase of Property, Leasehold Improvements and Equipment		 -39 -52 45 53 -51 -31 -34 -69 -60 -54 -140
Purchase of Investment Securities		 -4,285 -2,819 1,878 1,096 -144 -46 -1,763 -2,826 478 -276 286
Sale and/or Maturity of Investments		 1,951 2,545 2,922 2,027 849 643 675 86 98 938 1,787
Net Cash From Financing Activities		 2,086 314 -474 -239 -540 -842 350 2,795 790 1,710 748
Net Cash From Continuing Financing Activities		 2,086 314 -474 -239 -540 -842 350 2,795 790 1,710 748
Net Change in Deposits		 - - - - 0.00 0.00 1,127 3,257 921 1,742 770
Repayment of Debt		 -1,828 -2,440 3,084 3,566 -4,133 -2,480 -768 -452 -112 -19 0.00
Other Financing Activities, Net		 47 66 19 19 -27 -8.95 -9.30 -9.03 -20 -14 -22
Cash Interest Paid		 536 685 581 394 255 144 77 80 259 378 341
Cash Income Taxes Paid		 - - - - - 0.00 4.80 14 6.63 0.28 3.38

Quarterly Cash Flow Statements for Lendingclub

This table details how cash moves in and out of Lendingclub's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Change in Cash & Equivalents		 -56 -192 -133 81 -73 -57 -146 71 85 -109 106
Net Cash From Operating Activities		 -815 -847 -932 -670 -185 -339 -713 -771 -904 -619 -573
Net Cash From Continuing Operating Activities		 -815 -847 -932 -670 -185 -339 -713 -771 -904 -619 -573
Net Income / (Loss) Continuing Operations		 10 12 15 14 9.72 12 38 44 42 52 58
Consolidated Net Income / (Loss)		 10 12 15 14 9.72 12 38 44 42 52 58
Provision For Loan Losses		 42 32 36 48 63 58 40 46 47 0.39 -11
Depreciation Expense		 12 13 13 13 20 14 15 17 17 16 18
Amortization Expense		 -16 -19 -18 -16 -16 -16 -16 -16 -15 -14 -13
Non-Cash Adjustments to Reconcile Net Income		 114 64 33 36 99 46 26 73 -8.17 80 139
Changes in Operating Assets and Liabilities, net		 -977 -948 -1,011 -765 -362 -453 -817 -936 -986 -753 -765
Net Cash From Investing Activities		 449 217 487 -594 498 450 337 596 549 183 114
Net Cash From Continuing Investing Activities		 449 217 487 -594 498 450 337 596 549 183 114
Purchase of Property, Leasehold Improvements and Equipment		 -11 -12 -13 -12 -17 -13 -91 -21 -16 -26 -28
Purchase of Investment Securities		 397 121 297 -879 185 86 -4.22 145 62 -297 -434
Sale and/or Maturity of Investments		 63 107 203 298 331 378 432 472 503 506 575
Net Cash From Financing Activities		 310 438 313 1,345 -386 -168 230 246 440 328 566
Net Cash From Continuing Financing Activities		 310 438 313 1,345 -386 -168 230 246 440 328 566
Net Change in Deposits		 322 199 574 1,351 -382 -168 234 252 452 354 578
Repurchase of Common Equity		 - - - - - -0.75 - - - -26 6.07
Cash Interest Paid		 78 91 88 100 100 84 81 93 83 87 85
Cash Income Taxes Paid		 -1.13 - 0.05 0.06 0.16 0.10 - 0.35 0.57 -6.48 9.98

Annual Balance Sheets for Lendingclub

This table presents Lendingclub's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 5,794 5,563 4,641 3,820 2,982 1,863 4,900 7,980 8,827 10,631 11,568
Cash and Due from Banks		 624 516 402 373 244 5.20 36 23 15 16 12
Restricted Cash		 81 178 243 271 243 104 76 67 42 23 13
Interest Bearing Deposits at Other Banks		 - - - - - 520 651 1,034 1,238 939 906
Trading Account Securities		 297 287 118 170 271 142 264 346 1,620 3,453 3,707
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 637 2,755 4,705 4,540 3,889 3,997
Loans and Leases		 - - - - - 637 2,899 5,033 4,850 4,126 4,273
Allowance for Loan and Lease Losses		 - - - - - - 144 328 310 237 276
Loans Held for Sale		 0.00 9.05 236 840 722 122 391 110 408 636 1,762
Premises and Equipment, Net		 56 89 102 114 114 97 98 136 162 168 254
Goodwill		 73 36 36 - - 0.00 76 76 76 76 76
Other Assets		 4,633 4,422 3,484 2,033 1,373 237 3,308 1,482 728 1,432 841
Total Liabilities & Shareholders' Equity		 5,794 5,563 4,641 3,820 2,982 1,863 4,900 7,980 8,827 10,631 11,568
Total Liabilities		 4,752 4,587 3,713 2,949 2,082 1,139 4,050 6,815 7,576 9,289 10,067
Non-Interest Bearing Deposits		 - - - - - 0.00 217 234 332 392 374
Interest Bearing Deposits		 - - - - - 0.00 2,919 6,159 7,002 8,676 9,459
Other Long-Term Liabilities		 73 126 143 149 363 397 304 293 223 221 234
Total Equity & Noncontrolling Interests		 1,042 976 928 871 900 724 850 1,164 1,252 1,342 1,500
Total Preferred & Common Equity		 1,042 976 922 869 900 724 850 1,164 1,252 1,342 1,500
Total Common Equity		 1,042 976 922 869 900 724 850 1,164 1,252 1,342 1,500
Common Stock		 1,132 1,230 1,331 1,406 1,469 1,509 1,561 1,630 1,671 1,703 1,720
Retained Earnings		 -88 -234 -389 -518 -548 -786 -717 -428 -389 -337 -202
Accumulated Other Comprehensive Income / (Loss)		 -1.67 -0.77 -0.01 0.16 -0.57 1.48 7.05 -38 -30 -24 -18

Quarterly Balance Sheets for Lendingclub

This table presents Lendingclub's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026
Total Assets		 8,754 8,343 8,472 9,245 9,586 11,038 10,483 10,775 11,073 11,940 12,549
Cash and Due from Banks		 23 21 19 16 19 26 20 18 11 20 12
Restricted Cash		 47 35 42 36 31 33 25 22 18 20 15
Interest Bearing Deposits at Other Banks		 1,614 1,183 1,289 1,050 919 991 875 734 817 782 901
Trading Account Securities		 425 774 1,158 2,229 2,814 3,311 3,427 3,527 3,742 3,868 4,047
Loans and Leases, Net of Allowance		 5,143 5,178 4,887 4,247 3,999 3,888 3,971 4,133 4,096 3,463 2,993
Loans and Leases		 5,492 5,533 5,237 4,506 4,228 4,108 4,215 4,386 4,363 3,701 3,186
Allowance for Loan and Lease Losses		 349 355 350 259 229 221 244 253 268 238 193
Loans Held for Sale		 - - - 550 791 850 703 1,008 1,213 1,836 1,773
Premises and Equipment, Net		 144 152 160 164 166 168 169 246 250 273 276
Goodwill		 76 76 76 76 76 76 76 76 76 76 76
Other Assets		 6,425 924 841 878 770 1,695 1,217 1,010 850 1,602 2,456
Total Liabilities & Shareholders' Equity		 8,754 8,343 8,472 9,245 9,586 11,038 10,483 10,775 11,073 11,940 12,549
Total Liabilities		 7,563 7,137 7,264 7,979 8,298 9,695 9,119 9,369 9,610 10,416 10,982
Non-Interest Bearing Deposits		 201 190 313 308 336 361 366 350 347 408 429
Interest Bearing Deposits		 7,018 6,654 6,687 7,214 7,760 9,099 8,540 8,786 9,041 9,782 10,336
Other Long-Term Liabilities		 253 251 235 194 197 232 213 233 222 227 216
Total Equity & Noncontrolling Interests		 1,191 1,206 1,208 1,266 1,288 1,343 1,365 1,406 1,462 1,524 1,567
Total Preferred & Common Equity		 1,191 1,206 1,208 1,266 1,288 1,343 1,365 1,406 1,462 1,524 1,567
Total Common Equity		 1,191 1,206 1,208 1,266 1,288 1,343 1,365 1,406 1,462 1,524 1,567
Common Stock		 1,638 1,649 1,661 1,680 1,687 1,694 1,713 1,720 1,723 1,702 1,699
Retained Earnings		 -414 -404 -399 -377 -362 -347 -326 -288 -243 -150 -92
Accumulated Other Comprehensive Income / (Loss)		 -34 -39 -54 -37 -37 -3.57 -22 -26 -18 -29 -39

Annual Metrics And Ratios for Lendingclub

This table displays calculated financial ratios and metrics derived from Lendingclub's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 - - - - - - - - - - 115,301,440.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 115,301,440.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 1.18
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 ($0.05) $0.00 $0.00 $0.00 $0.00 ($1.24) $0.38 $2.80 $0.36 $0.46 $1.18
Adjusted Weighted Average Basic Shares Outstanding		 74.97M 0.00 0.00 0.00 0.00 93.55M 98.14M 103.55M 108.47M 111.73M 114.61M
Adjusted Diluted Earnings per Share		 ($0.05) $0.00 $0.00 $0.00 $0.00 ($1.24) $0.18 $2.79 $0.36 $0.45 $1.16
Adjusted Weighted Average Diluted Shares Outstanding		 74.97M 0.00 0.00 0.00 0.00 93.55M 102.15M 104.00M 108.47M 113.12M 117.23M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 ($1.24) $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 76.29M 0.00 0.00 0.00 0.00 90.44M 101.04M 106.57M 110.41M 113.38M 115.18M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Quarterly Metrics And Ratios for Lendingclub

This table displays calculated financial ratios and metrics derived from Lendingclub's official financial filings.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
DEI Shares Outstanding		 - - - - - - - - 115,301,440.00 115,180,598.00 115,350,925.00
DEI Adjusted Shares Outstanding		 - - - - - - - - 115,301,440.00 115,180,598.00 115,350,925.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - 0.36 0.45 0.50
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -29.35% -26.46% -19.46% 0.51% 17.02% 20.49% 32.68% 31.88% - 15.87% 5.80%
EBITDA Growth		 -6.50% 71.55% 5,708.33% 426.64% 62.78% 32.76% 267.09% 286.14% - 405.67% 50.72%
EBIT Growth		 -35.31% -7.16% 31.27% 116.05% -18.82% -5.04% 177.95% 217.85% - 328.98% 40.15%
NOPAT Growth		 -56.95% -10.36% 47.41% 188.68% -4.28% -4.73% 156.18% 206.25% - 342.15% 52.31%
Net Income Growth		 -56.95% -10.36% 47.41% 188.68% -4.28% -4.73% 156.18% 206.25% - 342.15% 52.31%
EPS Growth		 -65.38% -15.38% 44.44% 160.00% -11.11% -9.09% 153.85% 184.62% - 340.00% 51.52%
Operating Cash Flow Growth		 -2,543.19% -839.37% -920.67% -94.19% 77.25% 59.92% 23.53% -15.08% - -82.46% 19.66%
Free Cash Flow Firm Growth		 -82.30% -887.30% -124.33% -194.57% -281.29% 175.21% -144.21% 23.08% - -161.03% -38.75%
Invested Capital Growth		 -1.81% 19.20% 3.64% 8.77% 5.55% -10.75% 8.71% 8.67% - 11.65% 11.48%
Revenue Q/Q Growth		 -7.59% -2.65% 3.63% 7.82% 7.59% 0.23% 14.11% 7.16% - -5.34% 4.20%
EBITDA Q/Q Growth		 303.95% 10.34% 41.12% 2.86% 1.63% -10.01% 290.20% 8.19% - 34.32% 16.30%
EBIT Q/Q Growth		 64.18% 20.78% 17.51% -7.28% -38.32% 41.29% 243.96% 6.03% - 34.58% 12.37%
NOPAT Q/Q Growth		 102.78% 20.63% 21.66% -2.99% -32.77% 20.07% 227.12% 15.97% - 24.18% 12.68%
Net Income Q/Q Growth		 102.78% 20.63% 21.66% -2.99% -32.77% 20.07% 227.12% 15.97% - 24.18% 12.68%
EPS Q/Q Growth		 80.00% 22.22% 18.18% 0.00% -38.46% 25.00% 230.00% 12.12% - 22.22% 13.64%
Operating Cash Flow Q/Q Growth		 -136.22% -3.89% -10.15% 28.17% 72.33% -83.01% -110.19% -8.10% - 31.51% 7.45%
Free Cash Flow Firm Q/Q Growth		 -66.26% -797.37% 86.97% -208.61% 35.33% 389.29% -142.30% 2.79% - 8.31% 3.84%
Invested Capital Q/Q Growth		 2.76% 20.27% -15.40% 4.03% -0.29% 1.70% 3.04% 4.00% - 1.54% 2.88%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 5.06% 5.74% 7.82% 7.46% 7.04% 6.32% 21.63% 21.84% - 27.60% 30.81%
EBIT Margin		 7.37% 9.15% 10.37% 8.92% 5.11% 7.21% 21.73% 21.50% - 26.69% 28.78%
Profit (Net Income) Margin		 5.47% 6.78% 7.96% 7.16% 4.48% 5.36% 15.37% 16.63% - 20.46% 22.12%
Tax Burden Percent		 74.21% 74.12% 76.73% 80.28% 87.50% 74.36% 70.72% 77.35% - 76.64% 76.86%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% - 100.00% 100.00%
Effective Tax Rate		 25.79% 25.88% 23.27% 19.72% 12.50% 25.64% 29.28% 22.65% - 23.36% 23.14%
Return on Invested Capital (ROIC)		 3.69% 3.86% 4.73% 4.19% 2.70% 3.05% 10.08% 11.25% - 14.64% 15.59%
ROIC Less NNEP Spread (ROIC-NNEP)		 3.69% 3.86% 4.73% 4.19% 2.70% 3.05% 10.08% 11.25% - 0.00% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 0.23% 0.56% 0.09% 0.05% 0.02% 0.30% 0.02% 0.01% - 0.00% 0.00%
Return on Equity (ROE)		 3.92% 4.41% 4.82% 4.24% 2.72% 3.36% 10.10% 11.26% - 0.00% 0.00%
Cash Return on Invested Capital (CROIC)		 4.86% -14.85% -0.24% -4.40% -1.47% 14.87% -2.86% -0.91% - 1.15% 2.30%
Operating Return on Assets (OROA)		 0.76% 0.81% 0.87% 0.69% 0.41% 0.60% 1.89% 1.85% - 2.46% 2.59%
Return on Assets (ROA)		 0.56% 0.60% 0.67% 0.55% 0.36% 0.45% 1.34% 1.43% - 1.89% 1.99%
Return on Common Equity (ROCE)		 3.92% 4.41% 4.82% 4.24% 2.72% 3.36% 10.10% 11.26% - 0.00% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 2.96% 3.29% 3.85% 0.00% 3.72% 5.26% 7.10% - 11.53% 12.48%
Net Operating Profit after Tax (NOPAT)		 10 12 15 14 9.72 12 38 44 - 52 58
NOPAT Margin		 5.47% 6.78% 7.96% 7.16% 4.48% 5.36% 15.37% 16.63% - 20.46% 22.12%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00% 0.00%
SG&A Expenses to Revenue		 53.43% 55.47% 53.14% 49.73% 45.77% 48.97% 46.23% 45.17% - 56.54% 57.69%
Operating Expenses to Revenue		 70.05% 73.18% 70.64% 67.53% 65.77% 66.08% 62.28% 61.12% - 73.15% 75.37%
Earnings before Interest and Taxes (EBIT)		 14 17 19 18 11 16 54 57 - 67 76
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 9.40 10 15 15 15 14 54 58 - 70 81
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.77 0.76 0.73 0.95 1.36 0.86 0.98 1.19 - 1.08 1.53
Price to Tangible Book Value (P/TBV)		 0.81 0.81 0.78 1.01 1.44 0.91 1.03 1.26 - 1.14 1.60
Price to Revenue (P/Rev)		 1.11 1.21 1.25 1.69 2.31 1.42 1.55 1.84 - 1.60 2.28
Price to Earnings (P/E)		 24.61 25.69 22.22 24.69 35.45 23.06 18.56 16.78 - 9.39 12.23
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00% 0.00%
Earnings Yield		 4.06% 3.89% 4.50% 4.05% 2.82% 4.34% 5.39% 5.96% - 10.65% 8.18%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.08 0.00 0.17 0.63 0.18 0.43 0.61 - 0.54 0.93
Enterprise Value to Revenue (EV/Rev)		 0.00 0.16 0.00 0.31 1.07 0.30 0.68 0.94 - 0.80 1.40
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 8.04 0.00 4.66 15.22 4.25 6.13 6.37 - 3.55 5.62
Enterprise Value to EBIT (EV/EBIT)		 0.00 2.32 0.00 3.41 12.95 3.89 6.07 6.50 - 3.62 5.85
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 3.30 0.00 4.45 16.41 4.92 8.10 8.64 - 4.71 7.49
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 1.16 0.00 0.00 - 49.86 42.88
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.02 0.21 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00 0.00
Long-Term Debt to Equity		 0.02 0.21 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00 0.00
Financial Leverage		 0.06 0.14 0.02 0.01 0.01 0.10 0.00 0.00 - 0.00 0.00
Leverage Ratio		 6.96 7.33 7.19 7.65 7.50 7.50 7.56 7.88 - 7.76 7.84
Compound Leverage Factor		 6.96 7.33 7.19 7.65 7.50 7.50 7.56 7.88 - 7.76 7.84
Debt to Total Capital		 1.52% 17.17% 0.42% 0.20% 0.00% 0.00% 0.00% 0.00% - 0.00% 0.00%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00% 0.00%
Long-Term Debt to Total Capital		 1.52% 17.17% 0.42% 0.20% 0.00% 0.00% 0.00% 0.00% - 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00% 0.00%
Common Equity to Total Capital		 98.48% 82.83% 99.58% 99.80% 100.00% 100.00% 100.00% 100.00% - 100.00% 100.00%
Debt to EBITDA		 1.75 17.03 0.18 0.05 0.00 0.00 0.00 0.00 - 0.00 0.00
Net Debt to EBITDA		 -114.96 -54.48 -32.35 -21.18 0.00 0.00 0.00 0.00 - 0.00 0.00
Long-Term Debt to EBITDA		 1.75 17.03 0.18 0.05 0.00 0.00 0.00 0.00 - 0.00 0.00
Debt to NOPAT		 0.50 7.00 0.13 0.05 0.00 0.00 0.00 0.00 - 0.00 0.00
Net Debt to NOPAT		 -32.74 -22.38 -22.78 -20.24 0.00 0.00 0.00 0.00 - 0.00 0.00
Long-Term Debt to NOPAT		 0.50 7.00 0.13 0.05 0.00 0.00 0.00 0.00 - 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 34 -234 -30 -94 -61 176 -74 -72 - -107 -103
Operating Cash Flow to CapEx		 -7,229.86% -7,185.43% -7,248.01% -5,386.20% -1,076.50% -2,596.48% -786.26% -3,670.06% - -2,400.67% -2,048.45%
Free Cash Flow to Firm to Interest Expense		 0.44 -2.77 -0.33 -0.94 -0.62 2.14 -0.90 -0.87 - -1.26 -1.15
Operating Cash Flow to Interest Expense		 -10.60 -10.02 -10.23 -6.69 -1.89 -4.13 -8.61 -9.25 - -7.28 -6.37
Operating Cash Flow Less CapEx to Interest Expense		 -10.75 -10.16 -10.38 -6.81 -2.06 -4.29 -9.70 -9.50 - -7.59 -6.68
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.10 0.09 0.08 0.08 0.08 0.08 0.09 0.09 - 0.09 0.09
Fixed Asset Turnover		 5.80 5.20 4.75 4.61 4.78 4.96 4.29 4.54 - 4.67 4.01
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,271 1,529 1,293 1,346 1,342 1,365 1,406 1,462 - 1,524 1,567
Invested Capital Turnover		 0.67 0.57 0.59 0.59 0.60 0.57 0.66 0.68 - 0.72 0.70
Increase / (Decrease) in Invested Capital		 -23 246 45 109 71 -164 113 117 - 159 161
Enterprise Value (EV)		 -316 124 -24 230 842 250 600 897 - 828 1,464
Market Capitalization		 958 964 940 1,278 1,820 1,170 1,374 1,743 - 1,649 2,392
Book Value per Share		 $11.42 $11.44 $11.59 $12.01 $11.94 $12.03 $12.31 $12.74 - $13.23 $13.59
Tangible Book Value per Share		 $10.73 $10.76 $10.91 $11.33 $11.26 $11.37 $11.65 $12.08 - $12.57 $12.93
Total Capital		 1,271 1,529 1,293 1,346 1,342 1,365 1,406 1,462 - 1,524 1,567
Total Debt		 19 263 5.47 2.68 0.00 0.00 0.00 0.00 - 0.00 0.00
Total Long-Term Debt		 19 263 5.47 2.68 0.00 0.00 0.00 0.00 - 0.00 0.00
Net Debt		 -1,275 -840 -964 -1,048 -977 -920 -774 -846 - -822 -928
Capital Expenditures (CapEx)		 11 12 13 12 17 13 91 21 - 26 28
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00 0.00
Net Nonoperating Obligations (NNO)		 19 263 5.47 2.68 0.00 0.00 0.00 0.00 - 0.00 0.00
Total Depreciation and Amortization (D&A)		 -4.28 -6.16 -4.79 -2.95 4.19 -1.93 -0.25 0.90 - 2.30 5.33
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.09 $0.11 $0.13 $0.13 $0.09 $0.10 $0.33 $0.39 $0.36 $0.45 $0.50
Adjusted Weighted Average Basic Shares Outstanding		 108.47M 110.69M 111.40M 112.04M 111.73M 113.69M 114.41M 114.96M 114.61M 115.40M 115.38M
Adjusted Diluted Earnings per Share		 $0.09 $0.11 $0.13 $0.13 $0.08 $0.10 $0.33 $0.37 $0.36 $0.44 $0.50
Adjusted Weighted Average Diluted Shares Outstanding		 108.47M 110.69M 111.47M 113.92M 113.12M 116.18M 115.69M 118.19M 117.23M 117.33M 117.27M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 110.41M 111.12M 111.82M 112.40M 113.38M 114.20M 114.74M 115.30M 115.18M 115.35M 115.41M
Normalized Net Operating Profit after Tax (NOPAT)		 10 12 15 14 9.72 12 38 44 - 52 58
Normalized NOPAT Margin		 5.47% 6.78% 7.96% 7.16% 4.48% 5.36% 15.37% 16.63% - 20.46% 22.12%
Pre Tax Income Margin		 7.37% 9.15% 10.37% 8.92% 5.11% 7.21% 21.73% 21.50% - 26.69% 28.78%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.18 0.20 0.21 0.18 0.11 0.19 0.65 0.69 - 0.79 0.84
NOPAT to Interest Expense		 0.13 0.15 0.16 0.14 0.10 0.14 0.46 0.53 - 0.61 0.65
EBIT Less CapEx to Interest Expense		 0.03 0.06 0.07 0.06 -0.06 0.03 -0.44 0.43 - 0.49 0.53
NOPAT Less CapEx to Interest Expense		 -0.01 0.01 0.02 0.02 -0.08 -0.02 -0.63 0.28 - 0.30 0.34
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00% 0.00%
Augmented Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00% 0.00%

Financials Breakdown Chart

Key Financial Trends

LendingClub’s financial performance has improved meaningfully since 2023. Revenue increased from $200.8 million in Q3 2023 to $262.9 million in Q2 2026, while net income rose from $5.0 million to $58.1 million over the same period. Net interest income reached a record $179.0 million in Q2 2026, up from $122.9 million in Q1 2024. Earnings per share also improved to $0.50 in Q2 2026 from $0.13 in Q2 2024.

The improvement has been supported by lower credit-loss provisions and expanding interest income. LendingClub recorded a $10.9 million credit-loss benefit in Q2 2026, compared with provisions of $39.7 million in Q2 2025 and $35.6 million in Q2 2024. However, part of the recent earnings improvement may reflect unusually favorable credit-loss adjustments and volatile non-interest income, rather than only steady operating growth.

The balance sheet has expanded substantially. Total assets reached $12.5 billion in Q2 2026, compared with $6.2 billion in Q2 2022, while interest-bearing deposits increased to $10.3 billion from $4.3 billion over the same period. LendingClub has shifted toward trading securities and loans held for sale: trading account securities were $4.0 billion and loans held for sale were $1.8 billion in Q2 2026. Net loans held on the balance sheet, however, declined to $3.0 billion from more than $5.2 billion in Q2 2023.

Cash generation remains the main concern. Operating cash flow was negative $572.9 million in Q2 2026, marking another quarter in which working-capital movements consumed substantial cash. Positive financing cash flow, primarily from deposit growth, and investment cash proceeds more than offset the operating deficit during the quarter. Investors should also note that several historical statements are marked as restated, and the Q2 2026 records contain an inconsistent ticker identifier; the analysis therefore focuses on the reported LendingClub figures and broad trends.

  • Profitability has strengthened: Net income increased in each quarter from $11.7 million in Q1 2025 to $58.1 million in Q2 2026, while pretax income reached $75.7 million.
  • Net interest income is trending higher: Q2 2026 net interest income of $179.0 million was approximately 46% above Q2 2024, indicating stronger earning assets and improved spread generation.
  • Credit costs have fallen sharply: Provisions declined from $70.6 million in Q2 2023 and $47.5 million in Q4 2024 to a small benefit in Q2 2026.
  • Deposits continue to grow: Interest-bearing deposits rose to $10.3 billion in Q2 2026 from $8.8 billion in Q2 2025 and $4.3 billion in Q2 2022, providing funding for the larger balance sheet.
  • Equity has recovered: Total common equity increased to $1.57 billion in Q2 2026 from $1.08 billion in Q2 2022, helped by the return to sustained profitability.
  • Quarterly cash pressure has eased: Operating cash outflow improved to $572.9 million in Q2 2026 from $713.1 million in Q2 2025 and $932.5 million in Q2 2024.
  • Asset composition is changing: Trading securities and loans held for sale now represent a much larger portion of assets, while net loans held on the balance sheet have declined from their 2023 peak.
  • Non-interest income is volatile: Q2 2026 included $183.5 million of service-charge income but a negative $121.1 million in other non-interest income, making total revenue less predictable.
  • Operating cash flow remains negative: Working-capital changes consumed $764.7 million in Q2 2026, meaning reported accounting profits are not yet translating into positive operating cash generation.
  • Funding remains deposit-dependent: Financing cash flow contributed $565.7 million in Q2 2026, primarily through higher deposits, leaving LendingClub exposed to deposit outflows and funding-cost pressure.
09/09/26 10:39 AM ETAI Generated. May Contain Errors.

Lendingclub Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Lendingclub's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Lendingclub's net income appears to be on a downward trend, with a most recent value of $135.68 million in 2025, falling from -$5.00 million in 2015. The previous period was $51.33 million in 2024. Find out what analysts predict for Lendingclub in the coming months.

Over the last 10 years, Lendingclub's total revenue changed from $429.94 million in 2015 to $998.85 million in 2025, a change of 132.3%.

Lendingclub's total liabilities were at $10.07 billion at the end of 2025, a 8.4% increase from 2024, and a 111.9% increase since 2015.

In the past 10 years, Lendingclub's cash and equivalents has ranged from $5.20 million in 2020 to $623.53 million in 2015, and is currently $11.75 million as of their latest financial filing in 2025.


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Financial statements for NASDAQ:HAPN last updated on 7/30/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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