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LendingClub (LC) Financials

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$17.18 -0.07 (-0.41%)
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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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 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
Net Income / (Loss) Attributable to Common Shareholders		 -33 -5.00 -146 -154 -94 -31 -188 19 290 39 51
Consolidated Net Income / (Loss)		 -33 -5.00 -146 -154 -128 -31 -433 19 290 39 51
Net Income / (Loss) Continuing Operations		 -33 -5.00 -146 -154 -94 -31 -433 19 290 39 51
Total Pre-Tax Income 		-32 -2.16 -150 -153 -128 -31 -433 18 153 55 65
Total Revenue		 211 430 501 575 729 759 73 819 1,187 865 787
Net Interest Income / (Expense)		 -2.16 3.25 5.35 9.02 1.17 98 59 213 475 562 534
Total Interest Income		 354 553 694 580 487 345 0.00 293 557 833 908
Loans and Leases Interest Income		 - - - - - 325 197 281 523 726 664
Investment Securities Interest Income		 354 553 697 611 487 14 12 11 16 40 188
Other Interest Income		 - 0.01 -2.95 -31 - 6.00 1.05 1.17 19 66 56
Total Interest Expense		 357 550 688 571 386 247 150 80 83 271 374
Deposits Interest Expense		 - - - - - 0.00 0.00 7.23 60 266 369
Other Interest Expense		 - - - - - - - 15 22 5.24 4.70
Total Non-Interest Income		 213 427 495 566 627 661 0.00 606 712 303 253
Other Service Charges		 213 422 513 542 648 14 13 27 29 11 10
Investment Banking Income		 - - - - - 647 0.00 579 684 291 243
Provision for Credit Losses		 0.12 - - - - 0.00 3.38 139 267 244 178
Total Non-Interest Expense		 243 432 651 728 823 789 502 661 767 566 544
Salaries and Employee Benefits		 - - - - - 334 253 288 339 262 232
Net Occupancy & Equipment Expense		 - - - - - 54 55 64 71 71 67
Marketing Expense		 124 249 332 372 424 235 52 156 198 94 100
Other Operating Expenses		 118 184 282 356 364 107 90 109 115 92 85
Depreciation Expense		 - - - - - 59 54 44 44 47 59
Income Tax Expense		 1.39 2.83 -4.23 0.63 0.04 -0.20 -0.08 -0.14 -137 16 14
Basic Earnings per Share		 ($0.44) ($0.01) ($0.38) ($1.88) ($1.52) ($0.35) - $0.38 $2.80 $0.36 $0.46
Weighted Average Basic Shares Outstanding		 75.57M 374.87M 387.76M 81.80M 0.00 87.28M 0.00 98.14M 103.55M 108.47M 111.73M
Diluted Earnings per Share		 ($0.44) ($0.01) ($0.38) ($1.88) ($1.52) ($0.35) - $0.18 $2.79 $0.36 $0.45
Weighted Average Diluted Shares Outstanding		 75.57M 374.87M 387.76M 81.80M 0.00 87.28M 0.00 102.15M 104.00M 108.47M 113.12M
Weighted Average Basic & Diluted Shares Outstanding		 371.99M 381.43M 400.16M 417.58M 84.58M 0.00 0.00 101.04M 106.57M 110.41M 113.38M

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 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025
Period end date 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025
Net Income / (Loss) Attributable to Common Shareholders		 24 14 10 5.01 10 12 15 14 9.72 12 38
Consolidated Net Income / (Loss)		 24 14 10 5.01 10 12 15 14 9.72 12 38
Net Income / (Loss) Continuing Operations		 24 14 10 5.01 10 12 15 14 9.72 12 38
Total Pre-Tax Income 		21 18 15 8.34 14 17 19 18 11 16 54
Total Revenue		 263 246 232 201 186 181 187 202 217 218 248
Net Interest Income / (Expense)		 135 147 147 137 131 123 129 140 142 150 154
Total Interest Income		 174 202 214 207 208 207 220 240 241 232 237
Loans and Leases Interest Income		 160 185 189 181 171 156 164 175 169 166 175
Investment Securities Interest Income		 3.36 3.90 5.95 9.47 21 35 43 52 57 56 55
Other Interest Income		 11 14 19 17 16 17 13 12 14 9.61 7.11
Total Interest Expense		 39 56 68 70 77 84 91 100 98 82 83
Deposits Interest Expense		 36 53 67 70 76 84 90 97 98 82 83
Other Interest Expense		 19 2.44 1.31 0.90 0.59 0.50 0.91 3.27 0.01 0.00 0.00
Total Non-Interest Income		 127 99 86 64 54 58 59 62 75 68 94
Other Service Charges		 4.03 3.36 3.04 2.96 1.95 1.91 2.36 3.26 2.65 2.11 4.54
Investment Banking Income		 123 96 83 61 52 56 56 58 72 66 90
Provision for Credit Losses		 62 71 67 64 42 32 36 48 63 58 40
Total Non-Interest Expense		 180 157 151 128 130 132 132 136 143 144 155
Salaries and Employee Benefits		 88 73 72 58 59 60 57 57 59 58 62
Net Occupancy & Equipment Expense		 18 18 19 17 17 17 16 17 17 19 19
Marketing Expense		 35 27 24 20 23 24 27 26 23 29 34
Other Operating Expenses		 28 27 25 21 19 19 20 23 24 23 24
Depreciation Expense		 12 12 12 11 12 13 13 13 20 14 15
Income Tax Expense		 -2.44 4.14 4.69 3.33 3.53 4.28 4.52 3.55 1.39 4.02 16
Basic Earnings per Share		 $0.22 $0.13 $0.09 $0.05 $0.09 $0.11 $0.13 $0.13 $0.09 $0.10 $0.33
Weighted Average Basic Shares Outstanding		 103.55M 106.91M 107.89M 109.07M 108.47M 110.69M 111.40M 112.04M 111.73M 113.69M 114.41M
Diluted Earnings per Share		 $0.26 $0.13 $0.09 $0.05 $0.09 $0.11 $0.13 $0.13 $0.08 $0.10 $0.33
Weighted Average Diluted Shares Outstanding		 104.00M 106.92M 107.90M 109.07M 108.47M 110.69M 111.47M 113.92M 113.12M 116.18M 115.69M
Weighted Average Basic & Diluted Shares Outstanding		 106.57M 107.47M 108.69M 109.65M 110.41M 111.12M 111.82M 112.40M 113.38M 114.20M 114.74M

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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 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
Net Change in Cash & Equivalents		 820 -246 -11 -49 -0.23 -157 141 135 361 170 -317
Net Cash From Operating Activities		 50 75 0.55 -573 -640 -271 418 240 376 -1,137 -2,634
Net Cash From Continuing Operating Activities		 82 95 291 -573 -640 -271 418 240 376 -1,137 -2,634
Net Income / (Loss) Continuing Operations		 0.00 0.00 0.00 -154 -128 -31 -188 19 290 39 51
Consolidated Net Income / (Loss)		 - - - -154 -128 -31 -188 19 290 39 51
Provision For Loan Losses		 - - - - - 0.00 3.38 139 267 244 178
Depreciation Expense		 10 22 30 46 55 62 54 44 44 47 59
Amortization Expense		 - - - - - - 0.00 -41 -86 -91 -69
Non-Cash Adjustments to Reconcile Net Income		 3,500 51 238 12,872 14,149 156 209 58 -110 192 232
Changes in Operating Assets and Liabilities, net		 28 22 23 233 -129 -458 339 21 -30 -1,568 -3,086
Net Cash From Investing Activities		 -1,257 -2,407 -326 999 879 654 566 -454 -2,810 517 608
Net Cash From Continuing Investing Activities		 -1,148 -2,407 -326 999 879 654 566 -454 -2,810 517 608
Purchase of Property, Leasehold Improvements and Equipment		 21 -39 -52 45 53 -51 -31 -34 -69 -60 -54
Purchase of Investment Securities		 2,156 -4,285 -2,819 1,878 1,096 -144 -46 -1,763 -2,826 478 -276
Sale and/or Maturity of Investments		 1,062 1,951 2,545 2,922 2,027 849 643 675 86 98 938
Net Cash From Financing Activities		 2,028 2,086 314 -474 -239 -540 -842 350 2,795 790 1,710
Net Cash From Continuing Financing Activities		 1,135 2,086 314 -474 -239 -540 -842 350 2,795 790 1,710
Net Change in Deposits		 - - - - - 0.00 0.00 1,127 3,257 921 1,742
Repayment of Debt		 1,059 -1,828 -2,440 3,084 3,566 -4,133 -2,480 -768 -452 -112 -19
Other Financing Activities, Net		 38 47 66 19 19 -27 -8.95 -9.30 -9.03 -20 -14
Cash Interest Paid		 346 536 685 581 394 255 144 77 80 259 378
Cash Income Taxes Paid		 - - - - - - 0.00 4.80 14 6.63 0.28

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 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025
Period end date 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025
Net Change in Cash & Equivalents		 105 560 -446 112 -56 -192 -133 81 -73 -57 -146
Net Cash From Operating Activities		 33 114 -91 -345 -815 -847 -932 -670 -185 -339 -713
Net Cash From Continuing Operating Activities		 33 114 -91 -345 -815 -847 -932 -670 -185 -339 -713
Net Income / (Loss) Continuing Operations		 24 14 10 5.01 10 12 15 14 9.72 12 38
Consolidated Net Income / (Loss)		 24 14 10 5.01 10 12 15 14 9.72 12 38
Provision For Loan Losses		 62 71 67 64 42 32 36 48 63 58 40
Depreciation Expense		 12 12 12 11 12 13 13 13 20 14 15
Amortization Expense		 -23 -24 -26 -24 -16 -19 -18 -16 -16 -16 -16
Non-Cash Adjustments to Reconcile Net Income		 81 22 11 45 114 64 33 36 99 29 26
Changes in Operating Assets and Liabilities, net		 -122 20 -164 -447 -977 -948 -1,011 -765 -362 -436 -817
Net Cash From Investing Activities		 -1,115 -336 79 326 449 217 487 -594 498 450 337
Net Cash From Continuing Investing Activities		 -1,115 -336 79 326 449 217 487 -594 498 450 337
Purchase of Property, Leasehold Improvements and Equipment		 -15 -16 -16 -16 -11 -12 -13 -12 -17 -13 -91
Purchase of Investment Securities		 -973 -329 92 319 397 121 297 -879 185 83 -4.22
Sale and/or Maturity of Investments		 -127 9.00 2.42 23 63 107 203 298 331 380 432
Net Cash From Financing Activities		 1,187 782 -433 131 310 438 313 1,345 -386 -168 230
Net Cash From Continuing Financing Activities		 1,187 782 -433 131 310 438 313 1,345 -386 -168 230
Net Change in Deposits		 1,269 826 -376 148 322 199 574 1,351 -382 -168 234
Other Financing Activities, Net		 -1.03 -5.37 -7.70 -4.13 -2.64 -4.43 -4.11 -4.28 -0.86 -0.75 -3.41
Cash Interest Paid		 36 52 64 65 78 91 88 100 100 84 81

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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 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
Total Assets		 3,890 5,794 5,563 4,641 3,820 2,982 1,863 4,900 7,980 8,827 10,631
Cash and Due from Banks		 870 624 516 402 373 244 5.20 36 23 15 16
Restricted Cash		 47 81 178 243 271 243 104 76 67 42 23
Interest Bearing Deposits at Other Banks		 - - - - - - 520 651 1,034 1,238 939
Trading Account Securities		 0.00 297 287 118 170 271 142 264 346 1,620 3,453
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 637 2,755 4,705 4,540 3,889
Loans and Leases		 - - - - - - 637 2,899 5,033 4,850 4,126
Allowance for Loan and Lease Losses		 - - - - - - - 144 328 310 237
Loans Held for Sale		 - 0.00 9.05 236 840 722 122 391 110 408 636
Premises and Equipment, Net		 27 56 89 102 114 114 97 98 136 162 168
Goodwill		 73 73 36 36 - - 0.00 76 76 76 76
Other Assets		 2,838 4,633 4,422 3,484 2,033 1,373 237 3,308 1,482 728 1,432
Total Liabilities & Shareholders' Equity		 3,890 5,794 5,563 4,641 3,820 2,982 1,863 4,900 7,980 8,827 10,631
Total Liabilities		 2,917 4,752 4,587 3,713 2,949 2,082 1,139 4,050 6,815 7,576 9,289
Non-Interest Bearing Deposits		 - - - - - - 0.00 217 234 332 392
Interest Bearing Deposits		 - - - - - - 0.00 2,919 6,159 7,002 8,676
Other Long-Term Liabilities		 39 73 126 143 149 363 397 304 293 223 221
Total Equity & Noncontrolling Interests		 973 1,042 976 928 871 900 724 850 1,164 1,252 1,342
Total Preferred & Common Equity		 973 1,042 976 922 869 900 724 850 1,164 1,252 1,342
Total Common Equity		 973 1,042 976 922 869 900 724 850 1,164 1,252 1,342
Common Stock		 1,056 1,132 1,230 1,331 1,406 1,469 1,509 1,561 1,630 1,671 1,703
Retained Earnings		 -83 -88 -234 -389 -518 -548 -786 -717 -428 -389 -337
Accumulated Other Comprehensive Income / (Loss)		 0.00 -1.67 -0.77 -0.01 0.16 -0.57 1.48 7.05 -38 -30 -24

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 Q2 2022 Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025
Period end date 6/30/2022 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025
Total Assets		 6,187 6,775 8,754 8,343 8,472 9,245 9,586 11,038 10,483 10,775
Cash and Due from Banks		 26 23 23 21 19 16 19 26 20 18
Restricted Cash		 60 66 47 35 42 36 31 33 25 22
Interest Bearing Deposits at Other Banks		 1,016 930 1,614 1,183 1,289 1,050 919 991 875 734
Trading Account Securities		 403 359 425 774 1,158 2,229 2,814 3,311 3,427 3,527
Loans and Leases, Net of Allowance		 3,811 4,504 5,143 5,178 4,887 4,247 3,999 3,888 3,971 4,133
Loans and Leases		 4,055 4,807 5,492 5,533 5,237 4,506 4,228 4,108 4,215 4,386
Allowance for Loan and Lease Losses		 243 303 349 355 350 259 229 221 244 253
Loans Held for Sale		 63 90 - - - 550 791 850 703 1,008
Premises and Equipment, Net		 120 130 144 152 160 164 166 168 169 246
Goodwill		 76 76 76 76 76 76 76 76 76 76
Other Assets		 612 597 6,425 924 841 878 770 1,695 1,217 1,010
Total Liabilities & Shareholders' Equity		 6,187 6,775 8,754 8,343 8,472 9,245 9,586 11,038 10,483 10,775
Total Liabilities		 5,108 5,654 7,563 7,137 7,264 7,979 8,298 9,695 9,119 9,369
Non-Interest Bearing Deposits		 266 255 201 190 313 308 336 361 366 350
Interest Bearing Deposits		 4,262 4,868 7,018 6,654 6,687 7,214 7,760 9,099 8,540 8,786
Other Long-Term Liabilities		 296 320 253 251 235 194 197 232 213 233
Total Equity & Noncontrolling Interests		 1,079 1,121 1,191 1,206 1,208 1,266 1,288 1,343 1,365 1,406
Total Preferred & Common Equity		 1,079 1,121 1,191 1,206 1,208 1,266 1,288 1,343 1,365 1,406
Total Common Equity		 1,079 1,121 1,191 1,206 1,208 1,266 1,288 1,343 1,365 1,406
Common Stock		 1,595 1,613 1,638 1,649 1,661 1,680 1,687 1,694 1,713 1,720
Retained Earnings		 -495 -451 -414 -404 -399 -377 -362 -347 -326 -288
Accumulated Other Comprehensive Income / (Loss)		 -22 -40 -34 -39 -54 -37 -37 -3.57 -22 -26

Annual Metrics And Ratios for LendingClub

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

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 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
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 115.48% 103.52% 16.48% 14.72% 26.83% 4.11% -90.41% 1,024.96% 45.02% -27.17% -8.98%
EBITDA Growth		 -336.83% 191.39% -719.67% 10.90% 63.18% 179.20% -1,312.10% 105.65% 417.19% -89.99% 399.28%
EBIT Growth		 -531.09% 93.14% -6,847.13% -2.14% 38.58% 67.22% -1,301.48% 104.26% 729.74% -64.31% 19.13%
NOPAT Growth		 -401.76% 93.14% -6,847.13% -2.14% 16.49% 75.89% -1,301.48% 106.13% 1,459.12% -86.56% 31.82%
Net Income Growth		 -550.11% 84.81% -2,822.30% -5.53% 16.71% 76.08% -1,310.40% 104.29% 1,459.12% -86.56% 31.82%
EPS Growth		 0.00% 97.73% -3,700.00% -5.53% 16.71% 76.97% 0.00% 0.00% 1,450.00% -87.10% 25.00%
Operating Cash Flow Growth		 4,282.79% 49.72% -99.27% -105,308.81% -11.57% 57.69% 254.46% -42.62% 56.57% -402.63% -131.76%
Free Cash Flow Firm Growth		 -78.77% 3.82% 111.58% 354.79% -32.98% 33.43% -2.32% -97.15% 1,803.94% -86.32% -130.84%
Invested Capital Growth		 98.46% 48.24% -5.64% -20.20% -17.38% -25.27% -43.83% -0.37% -11.37% -1.81% 5.55%
Revenue Q/Q Growth		 19.62% 18.59% -0.99% 4.73% 8.80% 22.67% -87.11% 94.89% 0.04% -8.19% 4.18%
EBITDA Q/Q Growth		 -69.10% 517.95% -41.40% -99.99% 74.10% 126.26% -1,062.73% 110.42% -10.48% -5.57% 11.93%
EBIT Q/Q Growth		 -57.99% 86.51% -33.49% -62.31% 54.28% 82.64% -1,797.57% 107.40% -4.80% -12.03% -3.81%
NOPAT Q/Q Growth		 -57.99% 86.51% -33.45% -62.31% 37.84% 30.83% -123.46% 110.65% -1.87% -25.65% -0.84%
Net Income Q/Q Growth		 -56.65% 73.15% -33.76% -63.50% 37.97% 31.02% -122.97% 107.46% -1.87% -25.65% -0.84%
EPS Q/Q Growth		 -7.32% 83.33% -35.71% -63.50% 37.97% 0.00% 0.00% 550.00% -16.47% -32.08% -2.17%
Operating Cash Flow Q/Q Growth		 145.52% 10.12% -96.01% -275.90% 5.18% 49.72% 63.93% 39.98% -19.02% -294.04% 19.29%
Free Cash Flow Firm Q/Q Growth		 -62.25% 23.19% 158.12% 18.12% -38.30% 31.09% 9.72% 416.02% -12.48% -57.54% 66.13%
Invested Capital Q/Q Growth		 38.08% 9.83% -1.85% -6.39% 5.00% -1.07% -15.56% -6.19% -2.77% 2.76% -0.29%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 -10.06% 4.52% -24.02% -18.66% -5.42% 4.12% -520.68% 2.62% 9.33% 1.28% 7.03%
EBIT Margin		 -14.91% -0.50% -29.99% -26.70% -12.93% -4.07% -594.93% 2.25% 12.89% 6.32% 8.27%
Profit (Net Income) Margin		 -15.57% -1.16% -29.15% -26.81% -17.61% -4.05% -594.82% 2.27% 24.40% 4.50% 6.52%
Tax Burden Percent		 104.41% 231.04% 97.19% 100.41% 100.15% 99.35% 99.98% 100.74% 189.29% 71.29% 78.89%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 135.95% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% -0.74% -89.29% 28.71% 21.11%
Return on Invested Capital (ROIC)		 -0.77% -0.03% -1.93% -2.26% -2.32% -0.71% -14.87% 1.27% 21.03% 3.04% 3.93%
ROIC Less NNEP Spread (ROIC-NNEP)		 -1.24% -0.13% -2.85% -3.48% -3.63% -1.13% -25.46% 1.27% 21.03% 3.04% 3.93%
Return on Net Nonoperating Assets (RNNOA)		 -5.54% -0.46% -12.54% -13.93% -11.94% -2.76% -38.42% 1.09% 7.73% 0.19% 0.03%
Return on Equity (ROE)		 -6.32% -0.50% -14.47% -16.19% -14.27% -3.47% -53.30% 2.36% 28.76% 3.22% 3.96%
Cash Return on Invested Capital (CROIC)		 -66.75% -38.90% 3.88% 20.21% 16.71% 28.21% 41.26% 1.64% 33.08% 4.86% -1.47%
Operating Return on Assets (OROA)		 -1.08% -0.04% -2.65% -3.01% -2.23% -0.91% -17.87% 0.55% 2.38% 0.65% 0.67%
Return on Assets (ROA)		 -1.13% -0.10% -2.57% -3.02% -3.03% -0.90% -17.87% 0.55% 4.50% 0.46% 0.53%
Return on Common Equity (ROCE)		 -5.69% -0.50% -14.47% -16.14% -14.21% -3.46% -53.30% 2.36% 28.76% 3.22% 3.96%
Return on Equity Simple (ROE_SIMPLE)		 -3.38% -0.48% -14.96% -16.70% -14.76% -3.41% -59.77% 2.19% 24.88% 3.11% 3.83%
Net Operating Profit after Tax (NOPAT)		 -22 -1.51 -105 -107 -90 -22 -303 19 290 39 51
NOPAT Margin		 -10.44% -0.35% -20.99% -18.69% -12.31% -2.85% -416.45% 2.27% 24.40% 4.50% 6.52%
Net Nonoperating Expense Percent (NNEP)		 0.47% 0.09% 0.92% 1.22% 1.31% 0.42% 10.59% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 58.78% 57.82% 66.30% 64.77% 58.16% 82.16% 492.99% 62.09% 51.24% 49.36% 50.77%
Operating Expenses to Revenue		 114.86% 100.50% 129.99% 126.70% 112.93% 104.07% 690.28% 80.79% 64.59% 65.51% 69.08%
Earnings before Interest and Taxes (EBIT)		 -32 -2.16 -150 -153 -94 -31 -433 18 153 55 65
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 -21 19 -120 -107 -39 31 -379 21 111 11 55
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.58 4.01 2.12 1.86 1.29 1.24 1.33 2.84 0.79 0.77 1.36
Price to Tangible Book Value (P/TBV)		 1.78 4.45 2.27 1.98 1.32 1.26 1.33 3.12 0.85 0.81 1.44
Price to Revenue (P/Rev)		 7.30 9.71 4.13 2.98 1.54 1.47 13.28 2.95 0.78 1.11 2.31
Price to Earnings (P/E)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 129.97 3.19 24.61 35.45
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.77% 31.32% 4.06% 2.82%
Enterprise Value to Invested Capital (EV/IC)		 0.91 1.43 1.08 1.03 0.89 0.89 0.74 1.55 0.00 0.00 0.63
Enterprise Value to Revenue (EV/Rev)		 16.28 18.71 11.38 7.61 4.25 3.08 14.83 2.76 0.00 0.00 1.07
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 414.23 0.00 0.00 0.00 74.68 0.00 105.64 0.00 0.00 15.22
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 122.62 0.00 0.00 12.95
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 121.73 0.00 0.00 16.41
Enterprise Value to Operating Cash Flow (EV/OCF)		 68.88 107.61 10,454.13 0.00 0.00 0.00 2.58 9.43 0.00 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 26.92 4.54 4.81 2.71 1.28 94.50 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 2.89 4.39 4.43 3.56 3.01 1.90 1.02 0.72 0.11 0.02 0.00
Long-Term Debt to Equity		 2.89 4.39 4.43 3.52 2.48 1.25 0.88 0.69 0.11 0.02 0.00
Financial Leverage		 4.47 3.67 4.41 4.00 3.29 2.45 1.51 0.86 0.37 0.06 0.01
Leverage Ratio		 5.60 4.81 5.63 5.36 4.70 3.84 2.98 4.30 6.39 6.96 7.50
Compound Leverage Factor		 5.60 4.81 5.63 5.36 6.39 3.84 2.98 4.30 6.39 6.96 7.50
Debt to Total Capital		 74.30% 81.44% 81.58% 78.05% 75.06% 65.51% 50.60% 41.79% 10.06% 1.52% 0.00%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.76% 13.14% 22.51% 7.16% 1.90% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 74.30% 81.44% 81.58% 77.29% 61.92% 43.00% 43.44% 39.89% 10.06% 1.52% 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% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.12% 0.05% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 25.70% 18.56% 18.42% 21.83% 24.89% 34.49% 49.40% 58.21% 89.94% 98.48% 100.00%
Debt to EBITDA		 -132.43 235.45 -35.91 -30.77 -66.41 54.69 -1.96 28.51 1.18 1.75 0.00
Net Debt to EBITDA		 -89.29 199.18 -30.15 -24.76 -50.09 39.10 -0.30 -7.16 -8.98 -114.96 0.00
Long-Term Debt to EBITDA		 -132.43 235.45 -35.91 -30.47 -54.78 35.89 -1.68 27.21 1.18 1.75 0.00
Debt to NOPAT		 -127.59 -3,020.74 -41.10 -30.72 -29.23 -79.06 -2.45 32.85 0.45 0.50 0.00
Net Debt to NOPAT		 -86.02 -2,555.38 -34.50 -24.72 -22.05 -56.53 -0.37 -8.25 -3.43 -32.74 0.00
Long-Term Debt to NOPAT		 -127.59 -3,020.74 -41.10 -30.42 -24.11 -51.89 -2.10 31.35 0.45 0.50 0.00
Noncontrolling Interest Sharing Ratio		 9.91% 0.00% 0.00% 0.28% 0.39% 0.10% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -1,901 -1,828 212 963 645 861 841 24 456 62 -19
Operating Cash Flow to CapEx		 0.00% 189.76% 1.05% 0.00% 0.00% -534.15% 1,342.12% 697.03% 540.53% -1,909.96% -4,850.97%
Free Cash Flow to Firm to Interest Expense		 -5.33 -3.33 0.31 1.68 1.67 3.48 5.59 0.30 5.52 0.23 -0.05
Operating Cash Flow to Interest Expense		 0.14 0.14 0.00 -1.00 -1.66 -1.09 2.78 3.00 4.55 -4.20 -7.04
Operating Cash Flow Less CapEx to Interest Expense		 0.20 0.06 -0.07 -0.93 -1.52 -1.30 2.57 2.57 3.71 -4.42 -7.19
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.07 0.09 0.09 0.11 0.17 0.22 0.03 0.24 0.18 0.10 0.08
Fixed Asset Turnover		 10.66 10.36 6.90 6.01 6.75 6.65 0.69 8.41 10.13 5.80 4.78
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 3,787 5,613 5,297 4,227 3,492 2,610 1,466 1,461 1,295 1,271 1,342
Invested Capital Turnover		 0.07 0.09 0.09 0.12 0.19 0.25 0.04 0.56 0.86 0.67 0.60
Increase / (Decrease) in Invested Capital		 1,879 1,827 -317 -1,070 -735 -882 -1,144 -5.35 -166 -23 71
Enterprise Value (EV)		 3,438 8,043 5,698 4,373 3,100 2,335 1,080 2,262 -69 -316 842
Market Capitalization		 1,541 4,175 2,070 1,713 1,121 1,112 966 2,415 925 958 1,820
Book Value per Share		 $15.98 $2.76 $2.47 $2.22 $2.04 $10.21 $7.91 $8.51 $11.08 $11.42 $11.94
Tangible Book Value per Share		 $14.19 $2.48 $2.32 $2.08 $2.00 $10.05 $7.91 $7.76 $10.36 $10.73 $11.26
Total Capital		 3,787 5,613 5,297 4,227 3,492 2,610 1,466 1,461 1,295 1,271 1,342
Total Debt		 2,814 4,572 4,321 3,299 2,621 1,710 742 610 130 19 0.00
Total Long-Term Debt		 2,814 4,572 4,321 3,267 2,162 1,122 637 583 130 19 0.00
Net Debt		 1,897 3,867 3,627 2,655 1,977 1,222 113 -153 -994 -1,275 -977
Capital Expenditures (CapEx)		 -21 39 52 -45 -53 51 31 34 69 60 54
Net Nonoperating Expense (NNE)		 11 3.48 41 47 39 9.07 130 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 2,814 4,572 4,321 3,299 2,621 1,710 742 610 130 19 0.00
Total Depreciation and Amortization (D&A)		 10 22 30 46 55 62 54 2.97 -42 -44 -9.70
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 ($2.20) ($0.05) $0.00 $0.00 $0.00 $0.00 ($1.24) $0.38 $2.80 $0.36 $0.46
Adjusted Weighted Average Basic Shares Outstanding		 15.11M 74.97M 0.00 0.00 0.00 0.00 93.55M 98.14M 103.55M 108.47M 111.73M
Adjusted Diluted Earnings per Share		 ($2.20) ($0.05) $0.00 $0.00 $0.00 $0.00 ($1.24) $0.18 $2.79 $0.36 $0.45
Adjusted Weighted Average Diluted Shares Outstanding		 15.11M 74.97M 0.00 0.00 0.00 0.00 93.55M 102.15M 104.00M 108.47M 113.12M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 ($1.24) $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 74.40M 76.29M 0.00 0.00 0.00 0.00 90.44M 101.04M 106.57M 110.41M 113.38M
Normalized Net Operating Profit after Tax (NOPAT)		 -22 -1.51 -79 -107 -65 -22 -303 13 107 39 51
Normalized NOPAT Margin		 -10.44% -0.35% -15.81% -18.69% -8.88% -2.85% -416.45% 1.58% 9.02% 4.50% 6.52%
Pre Tax Income Margin		 -14.91% -0.50% -29.99% -26.70% -17.58% -4.07% -594.93% 2.25% 12.89% 6.32% 8.27%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 -0.09 0.00 -0.22 -0.27 -0.24 -0.12 -2.88 0.23 1.85 0.20 0.17
NOPAT to Interest Expense		 -0.06 0.00 -0.15 -0.19 -0.23 -0.09 -2.02 0.23 3.51 0.14 0.14
EBIT Less CapEx to Interest Expense		 -0.03 -0.08 -0.29 -0.19 -0.11 -0.33 -3.09 -0.20 1.01 -0.02 0.03
NOPAT Less CapEx to Interest Expense		 0.00 -0.07 -0.23 -0.11 -0.10 -0.29 -2.22 -0.20 2.67 -0.08 -0.01
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% -11.60% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 0.00% 0.00% -13.35% 0.00% 0.00% 0.00% -11.60% 0.00% 0.00% 0.00% 0.00%

Quarterly Metrics And Ratios for LendingClub

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

Metric Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025
Period end date 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 0.18% -15.14% -29.57% -34.13% -29.35% -26.46% -19.46% 0.51% 17.02% 20.49% 32.68%
EBITDA Growth		 -56.31% -83.92% -99.35% -118.78% -6.50% 71.55% 5,708.33% 426.64% 62.78% 32.76% 267.09%
EBIT Growth		 -26.74% -61.15% -70.47% -76.82% -35.31% -7.16% 31.27% 116.05% -18.82% -5.04% 177.95%
NOPAT Growth		 -18.95% -66.53% -94.45% -88.41% -56.95% -10.36% 47.41% 188.68% -4.28% -4.73% 156.18%
Net Income Growth		 -18.95% -66.53% -94.45% -88.41% -56.95% -10.36% 47.41% 188.68% -4.28% -4.73% 156.18%
EPS Growth		 -67.90% -66.67% -94.80% -87.80% -65.38% -15.38% 44.44% 160.00% -11.11% -9.09% 153.85%
Operating Cash Flow Growth		 -72.57% 181.49% -147.76% -412.82% -2,543.19% -839.37% -920.67% -94.19% 77.25% 59.92% 23.53%
Free Cash Flow Firm Growth		 450.15% -95.00% -65.53% -62.97% -82.30% -887.30% -124.33% -194.57% -281.29% 175.21% -144.21%
Invested Capital Growth		 -11.37% -1.24% -8.45% -7.09% -1.81% 19.20% 3.64% 8.77% 5.55% -10.75% 8.71%
Revenue Q/Q Growth		 -13.84% -6.48% -5.38% -13.60% -7.59% -2.65% 3.63% 7.82% 7.59% 0.23% 14.11%
EBITDA Q/Q Growth		 -59.03% -39.86% -95.83% -1,928.97% 303.95% 10.34% 41.12% 2.86% 1.63% -10.01% 290.20%
EBIT Q/Q Growth		 -41.17% -15.84% -16.89% -43.67% 64.18% 20.78% 17.51% -7.28% -38.32% 41.29% 243.96%
NOPAT Q/Q Growth		 -45.39% -42.07% -26.02% -50.46% 102.78% 20.63% 21.66% -2.99% -32.77% 20.07% 227.12%
Net Income Q/Q Growth		 -45.39% -42.07% -26.02% -50.46% 102.78% 20.63% 21.66% -2.99% -32.77% 20.07% 227.12%
EPS Q/Q Growth		 -36.59% -50.00% -30.77% -44.44% 80.00% 22.22% 18.18% 0.00% -38.46% 25.00% 230.00%
Operating Cash Flow Q/Q Growth		 -69.75% 243.30% -179.79% -277.56% -136.22% -3.89% -10.15% 28.17% 72.33% -83.01% -110.19%
Free Cash Flow Firm Q/Q Growth		 -29.42% -84.32% 321.46% -20.60% -66.26% -797.37% 86.97% -208.61% 35.33% 389.29% -142.30%
Invested Capital Q/Q Growth		 -2.77% -0.93% -2.69% -0.88% 2.76% 20.27% -15.40% 4.03% -0.29% 1.70% 3.04%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 3.83% 2.46% 0.11% -2.29% 5.06% 5.74% 7.82% 7.46% 7.04% 6.32% 21.63%
EBIT Margin		 8.05% 7.25% 6.36% 4.15% 7.37% 9.15% 10.37% 8.92% 5.11% 7.21% 21.73%
Profit (Net Income) Margin		 8.98% 5.56% 4.35% 2.49% 5.47% 6.78% 7.96% 7.16% 4.48% 5.36% 15.37%
Tax Burden Percent		 111.53% 76.77% 68.33% 60.08% 74.21% 74.12% 76.73% 80.28% 87.50% 74.36% 70.72%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 -11.53% 23.23% 31.67% 39.92% 25.79% 25.88% 23.27% 19.72% 12.50% 25.64% 29.28%
Return on Invested Capital (ROIC)		 7.74% 4.93% 3.48% 1.83% 3.69% 3.86% 4.73% 4.19% 2.70% 3.05% 10.08%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.74% 4.93% 3.48% 1.83% 3.69% 3.86% 4.73% 4.19% 2.70% 3.05% 10.08%
Return on Net Nonoperating Assets (RNNOA)		 2.85% 1.19% 0.50% 0.19% 0.23% 0.56% 0.09% 0.05% 0.02% 0.30% 0.02%
Return on Equity (ROE)		 10.58% 6.12% 3.98% 2.02% 3.92% 4.41% 4.82% 4.24% 2.72% 3.36% 10.10%
Cash Return on Invested Capital (CROIC)		 33.08% 21.58% 15.76% 11.43% 4.86% -14.85% -0.24% -4.40% -1.47% 14.87% -2.86%
Operating Return on Assets (OROA)		 1.48% 1.16% 0.92% 0.51% 0.76% 0.81% 0.87% 0.69% 0.41% 0.60% 1.89%
Return on Assets (ROA)		 1.66% 0.89% 0.63% 0.31% 0.56% 0.60% 0.67% 0.55% 0.36% 0.45% 1.34%
Return on Common Equity (ROCE)		 10.58% 6.12% 3.98% 2.02% 3.92% 4.41% 4.82% 4.24% 2.72% 3.36% 10.10%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 22.05% 7.51% 4.33% 0.00% 2.96% 3.29% 3.85% 0.00% 3.72% 5.26%
Net Operating Profit after Tax (NOPAT)		 24 14 10 5.01 10 12 15 14 9.72 12 38
NOPAT Margin		 8.98% 5.56% 4.35% 2.49% 5.47% 6.78% 7.96% 7.16% 4.48% 5.36% 15.37%
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% 0.00%
SG&A Expenses to Revenue		 53.60% 48.11% 49.10% 47.45% 53.43% 55.47% 53.14% 49.73% 45.77% 48.97% 46.23%
Operating Expenses to Revenue		 68.53% 64.03% 64.99% 63.75% 70.05% 73.18% 70.64% 67.53% 65.77% 66.08% 62.28%
Earnings before Interest and Taxes (EBIT)		 21 18 15 8.34 14 17 19 18 11 16 54
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 10 6.05 0.25 -4.61 9.40 10 15 15 15 14 54
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.79 0.65 0.87 0.55 0.77 0.76 0.73 0.95 1.36 0.86 0.98
Price to Tangible Book Value (P/TBV)		 0.85 0.69 0.93 0.59 0.81 0.81 0.78 1.01 1.44 0.91 1.03
Price to Revenue (P/Rev)		 0.78 0.67 1.00 0.70 1.11 1.21 1.25 1.69 2.31 1.42 1.55
Price to Earnings (P/E)		 3.19 2.93 11.57 12.66 24.61 25.69 22.22 24.69 35.45 23.06 18.56
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 31.32% 34.16% 8.64% 7.90% 4.06% 3.89% 4.50% 4.05% 2.82% 4.34% 5.39%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.00 0.00 0.00 0.08 0.00 0.17 0.63 0.18 0.43
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 0.00 0.00 0.00 0.16 0.00 0.31 1.07 0.30 0.68
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 0.00 0.00 8.04 0.00 4.66 15.22 4.25 6.13
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.00 0.00 2.32 0.00 3.41 12.95 3.89 6.07
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.00 0.00 3.30 0.00 4.45 16.41 4.92 8.10
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 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.16 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.11 0.08 0.04 0.02 0.02 0.21 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to Equity		 0.11 0.08 0.04 0.02 0.02 0.21 0.00 0.00 0.00 0.00 0.00
Financial Leverage		 0.37 0.24 0.14 0.10 0.06 0.14 0.02 0.01 0.01 0.10 0.00
Leverage Ratio		 6.39 6.89 6.36 6.55 6.96 7.33 7.19 7.65 7.50 7.50 7.56
Compound Leverage Factor		 6.39 6.89 6.36 6.55 6.96 7.33 7.19 7.65 7.50 7.50 7.56
Debt to Total Capital		 10.06% 7.16% 3.41% 2.33% 1.52% 17.17% 0.42% 0.20% 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% 0.00%
Long-Term Debt to Total Capital		 10.06% 7.16% 3.41% 2.33% 1.52% 17.17% 0.42% 0.20% 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% 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% 0.00%
Common Equity to Total Capital		 89.94% 92.84% 96.59% 97.67% 98.48% 82.83% 99.58% 99.80% 100.00% 100.00% 100.00%
Debt to EBITDA		 1.18 1.16 1.04 2.46 1.75 17.03 0.18 0.05 0.00 0.00 0.00
Net Debt to EBITDA		 -8.98 -20.12 -29.25 -112.53 -114.96 -54.48 -32.35 -21.18 0.00 0.00 0.00
Long-Term Debt to EBITDA		 1.18 1.16 1.04 2.46 1.75 17.03 0.18 0.05 0.00 0.00 0.00
Debt to NOPAT		 0.45 0.35 0.47 0.55 0.50 7.00 0.13 0.05 0.00 0.00 0.00
Net Debt to NOPAT		 -3.43 -6.07 -13.21 -25.23 -32.74 -22.38 -22.78 -20.24 0.00 0.00 0.00
Long-Term Debt to NOPAT		 0.45 0.35 0.47 0.55 0.50 7.00 0.13 0.05 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% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 190 30 125 99 34 -234 -30 -94 -61 176 -74
Operating Cash Flow to CapEx		 225.00% 698.21% -576.13% -2,157.97% -7,229.86% -7,185.43% -7,248.01% -5,386.20% -1,076.50% -2,596.48% -786.26%
Free Cash Flow to Firm to Interest Expense		 4.89 0.53 1.85 1.41 0.44 -2.77 -0.33 -0.94 -0.62 2.14 -0.90
Operating Cash Flow to Interest Expense		 0.86 2.06 -1.35 -4.90 -10.60 -10.02 -10.23 -6.69 -1.89 -4.13 -8.61
Operating Cash Flow Less CapEx to Interest Expense		 0.48 1.76 -1.58 -5.13 -10.75 -10.16 -10.38 -6.81 -2.06 -4.29 -9.70
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.18 0.16 0.14 0.12 0.10 0.09 0.08 0.08 0.08 0.08 0.09
Fixed Asset Turnover		 10.13 8.95 7.70 6.50 5.80 5.20 4.75 4.61 4.78 4.96 4.29
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,295 1,283 1,248 1,237 1,271 1,529 1,293 1,346 1,342 1,365 1,406
Invested Capital Turnover		 0.86 0.89 0.80 0.73 0.67 0.57 0.59 0.59 0.60 0.57 0.66
Increase / (Decrease) in Invested Capital		 -166 -16 -115 -94 -23 246 45 109 71 -164 113
Enterprise Value (EV)		 -69 -824 -148 -658 -316 124 -24 230 842 250 600
Market Capitalization		 925 768 1,048 663 958 964 940 1,278 1,820 1,170 1,374
Book Value per Share		 $11.08 $11.17 $11.22 $11.12 $11.42 $11.44 $11.59 $12.01 $11.94 $12.03 $12.31
Tangible Book Value per Share		 $10.36 $10.46 $10.51 $10.42 $10.73 $10.76 $10.91 $11.33 $11.26 $11.37 $11.65
Total Capital		 1,295 1,283 1,248 1,237 1,271 1,529 1,293 1,346 1,342 1,365 1,406
Total Debt		 130 92 43 29 19 263 5.47 2.68 0.00 0.00 0.00
Total Long-Term Debt		 130 92 43 29 19 263 5.47 2.68 0.00 0.00 0.00
Net Debt		 -994 -1,593 -1,196 -1,321 -1,275 -840 -964 -1,048 -977 -920 -774
Capital Expenditures (CapEx)		 15 16 16 16 11 12 13 12 17 13 91
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 130 92 43 29 19 263 5.47 2.68 0.00 0.00 0.00
Total Depreciation and Amortization (D&A)		 -11 -12 -15 -13 -4.28 -6.16 -4.79 -2.95 4.19 -1.93 -0.25
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.22 $0.13 $0.09 $0.05 $0.09 $0.11 $0.13 $0.13 $0.09 $0.10 $0.33
Adjusted Weighted Average Basic Shares Outstanding		 103.55M 106.91M 107.89M 109.07M 108.47M 110.69M 111.40M 112.04M 111.73M 113.69M 114.41M
Adjusted Diluted Earnings per Share		 $0.26 $0.13 $0.09 $0.05 $0.09 $0.11 $0.13 $0.13 $0.08 $0.10 $0.33
Adjusted Weighted Average Diluted Shares Outstanding		 104.00M 106.92M 107.90M 109.07M 108.47M 110.69M 111.47M 113.92M 113.12M 116.18M 115.69M
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		 106.57M 107.47M 108.69M 109.65M 110.41M 111.12M 111.82M 112.40M 113.38M 114.20M 114.74M
Normalized Net Operating Profit after Tax (NOPAT)		 15 14 10 5.01 10 12 15 14 9.72 12 38
Normalized NOPAT Margin		 5.64% 5.56% 4.35% 2.49% 5.47% 6.78% 7.96% 7.16% 4.48% 5.36% 15.37%
Pre Tax Income Margin		 8.05% 7.25% 6.36% 4.15% 7.37% 9.15% 10.37% 8.92% 5.11% 7.21% 21.73%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.55 0.32 0.22 0.12 0.18 0.20 0.21 0.18 0.11 0.19 0.65
NOPAT to Interest Expense		 0.61 0.25 0.15 0.07 0.13 0.15 0.16 0.14 0.10 0.14 0.46
EBIT Less CapEx to Interest Expense		 0.16 0.03 -0.02 -0.11 0.03 0.06 0.07 0.06 -0.06 0.03 -0.44
NOPAT Less CapEx to Interest Expense		 0.23 -0.05 -0.08 -0.16 -0.01 0.01 0.02 0.02 -0.08 -0.02 -0.63
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% 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% 0.00%

Key Financial Trends

LendingClub Corp (NYSE: LC) shows the following key financial trends over the last several years through Q2 2025, based on analysis of its income statements, balance sheets, and cash flow statements:

  • Consistent Net Income Growth: Quarterly consolidated net income rose from $10.2 million in Q2 2023 to $38.2 million in Q2 2025, demonstrating improving profitability.
  • Increasing Revenue Streams: Total revenue increased from $187 million in Q2 2024 to $248 million in Q2 2025, driven by growth in both net interest income and investment banking income.
  • Strengthening Non-Interest Income: Investment banking income nearly doubled from $56 million in Q1 2024 to $90 million by Q2 2025, enhancing revenue diversification.
  • Loan Portfolio Growth: Gross loans and leases grew substantially over the period, with net loans increasing from approximately $3.8 billion in Q2 2024 to over $4.1 billion in Q2 2025.
  • Equity Position Improving: Total common equity increased from $1.28 billion in Q2 2024 to $1.41 billion in Q2 2025, indicating a stronger capital base.
  • Provision for Credit Losses Fluctuating: Provisions declined from $66.6 million in Q2 2023 to $39.7 million in Q2 2025, reflecting changes in loan loss expectations but with some volatility.
  • Assets Breakdown Shifting: Large holdings of trading account securities and interest-bearing deposits at other banks persist, enabling liquidity and investment income, though these fluctuate quarter to quarter.
  • Negative Operating Cash Flow: LendingClub’s net cash from operating activities remains significantly negative recently, with -$932 million in Q2 2024 and -$713 million in Q2 2025, due to large changes in operating assets and liabilities.
  • High Deposit Interest Expense: Interest expense on deposits remains elevated, exceeding $82 million in Q2 2025, which pressures net interest margins.
  • Increasing Non-Interest Expenses: Total non-interest expenses reached $154.7 million in Q2 2025, growing from $132 million a year earlier, mainly due to marketing, salaries, and depreciation costs, which could affect profitability if unchecked.

Overall, LendingClub exhibits a trajectory of growing profitability and revenue diversification driven by loan growth and expanding investment banking activities. However, the company faces challenges related to operating cash flow sustainability and rising expenses that could require strategic focus to maintain margins. Investors should monitor LendingClub's ability to convert revenue growth into consistent positive operating cash flow and control costs while managing credit risks.

08/29/25 10:08 AM ETAI Generated. May Contain Errors.

Financials Breakdown Chart

Frequently Asked Questions About LendingClub's Financials

When does LendingClub's fiscal year end?

According to the most recent income statement we have on file, LendingClub's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has LendingClub's net income changed over the last 10 years?

LendingClub's net income appears to be on a downward trend, with a most recent value of $51.33 million in 2024, falling from -$32.89 million in 2014. The previous period was $38.94 million in 2023. See LendingClub's forecast for analyst expectations on what’s next for the company.

How has LendingClub's revenue changed over the last 10 years?

Over the last 10 years, LendingClub's total revenue changed from $211.25 million in 2014 to $787.01 million in 2024, a change of 272.5%.

How much debt does LendingClub have?

LendingClub's total liabilities were at $9.29 billion at the end of 2024, a 22.6% increase from 2023, and a 218.5% increase since 2014.

How much cash does LendingClub have?

In the past 10 years, LendingClub's cash and equivalents has ranged from $5.20 million in 2020 to $869.78 million in 2014, and is currently $15.52 million as of their latest financial filing in 2024.

How has LendingClub's book value per share changed over the last 10 years?

Over the last 10 years, LendingClub's book value per share changed from 15.98 in 2014 to 11.94 in 2024, a change of -25.3%.


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This page (NYSE:LC) was last updated on 8/29/2025 by MarketBeat.com Staff
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