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LendingClub (LC) Financials

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$10.37 -0.20 (-1.89%)
As of 05/20/2025 03:58 PM 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 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Net Income / (Loss) Attributable to Common Shareholders		 51 39 290 19 -188 -31 -94 -154 -146 -5.00 -33
Consolidated Net Income / (Loss)		 51 39 290 19 -433 -31 -128 -154 -146 -5.00 -33
Net Income / (Loss) Continuing Operations		 51 39 290 19 -433 -31 -94 -154 -146 -5.00 -33
Total Pre-Tax Income 		65 55 153 18 -433 -31 -128 -153 -150 -2.16 -32
Total Revenue		 787 865 1,187 819 73 759 729 575 501 430 211
Net Interest Income / (Expense)		 534 562 475 213 59 98 1.17 9.02 5.35 3.25 -2.16
Total Interest Income		 908 833 557 293 0.00 345 487 580 694 553 354
Loans and Leases Interest Income		 664 726 523 281 197 325 - - - - -
Investment Securities Interest Income		 188 40 16 11 12 14 487 611 697 553 354
Other Interest Income		 56 66 19 1.17 1.05 6.00 - -31 -2.95 0.01 -
Total Interest Expense		 374 271 83 80 150 247 386 571 688 550 357
Deposits Interest Expense		 369 266 60 7.23 0.00 0.00 - - - - -
Other Interest Expense		 4.70 5.24 22 15 - - - - - - -
Total Non-Interest Income		 253 303 712 606 0.00 661 627 566 495 427 213
Other Service Charges		 10 11 29 27 13 14 648 542 513 422 213
Investment Banking Income		 243 291 684 579 0.00 647 - - - - -
Provision for Credit Losses		 178 244 267 139 3.38 0.00 - - - - 0.12
Total Non-Interest Expense		 544 566 767 661 502 789 823 728 651 432 243
Salaries and Employee Benefits		 232 262 339 288 253 334 - - - - -
Net Occupancy & Equipment Expense		 67 71 71 64 55 54 - - - - -
Marketing Expense		 100 94 198 156 52 235 424 372 332 249 124
Other Operating Expenses		 85 92 115 109 90 107 364 356 282 184 118
Depreciation Expense		 59 47 44 44 54 59 - - - - -
Income Tax Expense		 14 16 -137 -0.14 -0.08 -0.20 0.04 0.63 -4.23 2.83 1.39
Basic Earnings per Share		 $0.46 $0.36 $2.80 $0.38 - ($0.35) ($1.52) ($1.88) ($0.38) ($0.01) ($0.44)
Weighted Average Basic Shares Outstanding		 111.73M 108.47M 103.55M 98.14M 0.00 87.28M 0.00 81.80M 387.76M 374.87M 75.57M
Diluted Earnings per Share		 $0.45 $0.36 $2.79 $0.18 - ($0.35) ($1.52) ($1.88) ($0.38) ($0.01) ($0.44)
Weighted Average Diluted Shares Outstanding		 113.12M 108.47M 104.00M 102.15M 0.00 87.28M 0.00 81.80M 387.76M 374.87M 75.57M
Weighted Average Basic & Diluted Shares Outstanding		 113.38M 110.41M 106.57M 101.04M 0.00 0.00 84.58M 417.58M 400.16M 381.43M 371.99M

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 Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 12 9.72 14 15 12 10 5.01 10 14 24 43
Consolidated Net Income / (Loss)		 12 9.72 14 15 12 10 5.01 10 14 24 43
Net Income / (Loss) Continuing Operations		 12 9.72 14 15 12 10 5.01 10 14 24 43
Total Pre-Tax Income 		16 11 18 19 17 14 8.34 15 18 21 36
Total Revenue		 218 217 202 187 181 186 201 232 246 263 305
Net Interest Income / (Expense)		 150 142 140 129 123 131 137 147 147 135 124
Total Interest Income		 232 241 240 220 207 208 207 214 202 174 143
Loans and Leases Interest Income		 166 169 175 164 156 171 181 189 185 160 134
Investment Securities Interest Income		 56 57 52 43 35 21 9.47 5.95 3.90 3.36 3.82
Other Interest Income		 9.61 14 12 13 17 16 17 19 14 11 5.02
Total Interest Expense		 82 98 100 91 84 77 70 68 56 39 20
Deposits Interest Expense		 82 98 97 90 84 76 70 67 53 36 15
Other Interest Expense		 0.00 0.01 3.27 0.91 0.50 0.59 0.90 1.31 2.44 19 0.68
Total Non-Interest Income		 68 75 62 59 58 54 64 86 99 127 181
Other Service Charges		 2.11 2.65 3.26 2.36 1.91 1.95 2.96 3.04 3.36 4.03 7.40
Investment Banking Income		 66 72 58 56 56 52 61 83 96 123 174
Provision for Credit Losses		 58 63 48 36 32 42 64 67 71 62 83
Total Non-Interest Expense		 144 143 136 132 132 130 128 151 157 180 186
Salaries and Employee Benefits		 58 59 57 57 60 59 58 72 73 88 85
Net Occupancy & Equipment Expense		 19 17 17 16 17 17 17 19 18 18 18
Marketing Expense		 29 23 26 27 24 23 20 24 27 35 46
Other Operating Expenses		 23 24 23 20 19 19 21 25 27 28 27
Depreciation Expense		 14 20 13 13 13 12 11 12 12 12 11
Income Tax Expense		 4.02 1.39 3.55 4.52 4.28 3.53 3.33 4.69 4.14 -2.44 -7.24
Basic Earnings per Share		 $0.10 $0.09 $0.13 $0.13 $0.11 $0.09 $0.05 $0.09 $0.13 $0.22 $0.41
Weighted Average Basic Shares Outstanding		 113.69M 111.73M 112.04M 111.40M 110.69M 108.47M 109.07M 107.89M 106.91M 103.55M 104.22M
Diluted Earnings per Share		 $0.10 $0.08 $0.13 $0.13 $0.11 $0.09 $0.05 $0.09 $0.13 $0.26 $0.41
Weighted Average Diluted Shares Outstanding		 116.18M 113.12M 113.92M 111.47M 110.69M 108.47M 109.07M 107.90M 106.92M 104.00M 105.85M
Weighted Average Basic & Diluted Shares Outstanding		 114.20M 113.38M 112.40M 111.82M 111.12M 110.41M 109.65M 108.69M 107.47M 106.57M 105.09M

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

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 Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 -57 -73 81 -133 -192 -56 112 -446 560 105 -83
Net Cash From Operating Activities		 -339 -185 -670 -932 -847 -815 -345 -91 114 33 110
Net Cash From Continuing Operating Activities		 -339 -185 -670 -932 -847 -815 -345 -91 114 33 110
Net Income / (Loss) Continuing Operations		 12 9.72 14 15 12 10 5.01 10 14 24 43
Consolidated Net Income / (Loss)		 12 9.72 14 15 12 10 5.01 10 14 24 43
Provision For Loan Losses		 58 63 48 36 32 42 64 67 71 62 83
Depreciation Expense		 14 20 13 13 13 12 11 12 12 12 11
Amortization Expense		 -16 -16 -16 -18 -19 -16 -24 -26 -24 -23 -22
Non-Cash Adjustments to Reconcile Net Income		 29 99 36 33 64 114 45 11 22 81 -13
Changes in Operating Assets and Liabilities, net		 -436 -362 -765 -1,011 -948 -977 -447 -164 20 -122 8.95
Net Cash From Investing Activities		 450 498 -594 487 217 449 326 79 -336 -1,115 -713
Net Cash From Continuing Investing Activities		 450 498 -594 487 217 449 326 79 -336 -1,115 -713
Purchase of Property, Leasehold Improvements and Equipment		 -13 -17 -12 -13 -12 -11 -16 -16 -16 -15 -17
Purchase of Investment Securities		 83 185 -879 297 121 397 319 92 -329 -973 -746
Sale and/or Maturity of Investments		 380 331 298 203 107 63 23 2.42 9.00 -127 50
Net Cash From Financing Activities		 -168 -386 1,345 313 438 310 131 -433 782 1,187 520
Net Cash From Continuing Financing Activities		 -168 -386 1,345 313 438 310 131 -433 782 1,187 520
Net Change in Deposits		 -168 -382 1,351 574 199 322 148 -376 826 1,269 596
Issuance of Debt		 0.00 - - - 250 - - - 0.00 - -
Repayment of Debt		 0.00 -2.92 -2.07 -7.23 -6.98 -9.81 -14 -50 -39 -81 -75
Other Financing Activities, Net		 -0.75 -0.86 -4.28 -4.11 -4.43 -2.64 -4.13 -7.70 -5.37 -1.03 -1.67
Cash Interest Paid		 84 100 100 88 91 78 65 64 52 36 24

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 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Total Assets		 10,631 8,827 7,980 4,900 1,863 2,982 3,820 4,641 5,563 5,794 3,890
Cash and Due from Banks		 16 15 23 36 5.20 244 373 402 516 624 870
Restricted Cash		 23 42 67 76 104 243 271 243 178 81 47
Interest Bearing Deposits at Other Banks		 939 1,238 1,034 651 520 - - - - - -
Trading Account Securities		 3,453 1,620 346 264 142 271 170 118 287 297 0.00
Loans and Leases, Net of Allowance		 3,889 4,540 4,705 2,755 637 0.00 0.00 0.00 0.00 0.00 0.00
Loans and Leases		 4,126 4,850 5,033 2,899 637 - - - - - -
Allowance for Loan and Lease Losses		 237 310 328 144 - - - - - - -
Loans Held for Sale		 636 408 110 391 122 722 840 236 9.05 0.00 -
Premises and Equipment, Net		 168 162 136 98 97 114 114 102 89 56 27
Goodwill		 76 76 76 76 0.00 - - 36 36 73 73
Other Assets		 1,432 728 1,482 3,308 237 1,373 2,033 3,484 4,422 4,633 2,838
Total Liabilities & Shareholders' Equity		 10,631 8,827 7,980 4,900 1,863 2,982 3,820 4,641 5,563 5,794 3,890
Total Liabilities		 9,289 7,576 6,815 4,050 1,139 2,082 2,949 3,713 4,587 4,752 2,917
Non-Interest Bearing Deposits		 392 332 234 217 0.00 - - - - - -
Interest Bearing Deposits		 8,676 7,002 6,159 2,919 0.00 - - - - - -
Long-Term Debt		 0.00 19 130 583 637 1,122 2,162 3,267 4,321 4,572 2,814
Other Long-Term Liabilities		 221 223 293 304 397 363 149 143 126 73 39
Total Equity & Noncontrolling Interests		 1,342 1,252 1,164 850 724 900 871 928 976 1,042 973
Total Preferred & Common Equity		 1,342 1,252 1,164 850 724 900 869 922 976 1,042 973
Total Common Equity		 1,342 1,252 1,164 850 724 900 869 922 976 1,042 973
Common Stock		 1,703 1,671 1,630 1,561 1,509 1,469 1,406 1,331 1,230 1,132 1,056
Retained Earnings		 -337 -389 -428 -717 -786 -548 -518 -389 -234 -88 -83
Accumulated Other Comprehensive Income / (Loss)		 -24 -30 -38 7.05 1.48 -0.57 0.16 -0.01 -0.77 -1.67 0.00

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

Annual Metrics And Ratios for LendingClub

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

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -8.98% -27.17% 45.02% 1,024.96% -90.41% 4.11% 26.83% 14.72% 16.48% 103.52% 115.48%
EBITDA Growth		 399.28% -89.99% 417.19% 105.65% -1,312.10% 179.20% 63.18% 10.90% -719.67% 191.39% -336.83%
EBIT Growth		 19.13% -64.31% 729.74% 104.26% -1,301.48% 67.22% 38.58% -2.14% -6,847.13% 93.14% -531.09%
NOPAT Growth		 31.82% -86.56% 1,459.12% 106.13% -1,301.48% 75.89% 16.49% -2.14% -6,847.13% 93.14% -401.76%
Net Income Growth		 31.82% -86.56% 1,459.12% 104.29% -1,310.40% 76.08% 16.71% -5.53% -2,822.30% 84.81% -550.11%
EPS Growth		 25.00% -87.10% 1,450.00% 0.00% 0.00% 76.97% 16.71% -5.53% -3,700.00% 97.73% 0.00%
Operating Cash Flow Growth		 -131.76% -402.63% 56.57% -42.62% 254.46% 57.69% -11.57% -105,308.81% -99.27% 49.72% 4,282.79%
Free Cash Flow Firm Growth		 -130.84% -86.32% 1,803.94% -97.15% -2.32% 33.43% -32.98% 354.79% 111.58% 3.82% -78.77%
Invested Capital Growth		 5.55% -1.81% -11.37% -0.37% -43.83% -25.27% -17.38% -20.20% -5.64% 48.24% 98.46%
Revenue Q/Q Growth		 4.18% -8.19% 0.04% 94.89% -87.11% 22.67% 8.80% 4.73% -0.99% 18.59% 19.62%
EBITDA Q/Q Growth		 11.93% -5.57% -10.48% 110.42% -1,062.73% 126.26% 74.10% -99.99% -41.40% 517.95% -69.10%
EBIT Q/Q Growth		 -3.81% -12.03% -4.80% 107.40% -1,797.57% 82.64% 54.28% -62.31% -33.49% 86.51% -57.99%
NOPAT Q/Q Growth		 -0.84% -25.65% -1.87% 110.65% -123.46% 30.83% 37.84% -62.31% -33.45% 86.51% -57.99%
Net Income Q/Q Growth		 -0.84% -25.65% -1.87% 107.46% -122.97% 31.02% 37.97% -63.50% -33.76% 73.15% -56.65%
EPS Q/Q Growth		 -2.17% -32.08% -16.47% 550.00% 0.00% 0.00% 37.97% -63.50% -35.71% 83.33% -7.32%
Operating Cash Flow Q/Q Growth		 19.29% -294.04% -19.02% 39.98% 63.93% 49.72% 5.18% -275.90% -96.01% 10.12% 145.52%
Free Cash Flow Firm Q/Q Growth		 66.13% -57.54% -12.48% 416.02% 9.72% 31.09% -38.30% 18.12% 158.12% 23.19% -62.25%
Invested Capital Q/Q Growth		 -0.29% 2.76% -2.77% -6.19% -15.56% -1.07% 5.00% -6.39% -1.85% 9.83% 38.08%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 7.03% 1.28% 9.33% 2.62% -520.68% 4.12% -5.42% -18.66% -24.02% 4.52% -10.06%
EBIT Margin		 8.27% 6.32% 12.89% 2.25% -594.93% -4.07% -12.93% -26.70% -29.99% -0.50% -14.91%
Profit (Net Income) Margin		 6.52% 4.50% 24.40% 2.27% -594.82% -4.05% -17.61% -26.81% -29.15% -1.16% -15.57%
Tax Burden Percent		 78.89% 71.29% 189.29% 100.74% 99.98% 99.35% 100.15% 100.41% 97.19% 231.04% 104.41%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 135.95% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 21.11% 28.71% -89.29% -0.74% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Invested Capital (ROIC)		 3.93% 3.04% 21.03% 1.27% -14.87% -0.71% -2.32% -2.26% -1.93% -0.03% -0.77%
ROIC Less NNEP Spread (ROIC-NNEP)		 3.93% 3.04% 21.03% 1.27% -25.46% -1.13% -3.63% -3.48% -2.85% -0.13% -1.24%
Return on Net Nonoperating Assets (RNNOA)		 0.03% 0.19% 7.73% 1.09% -38.42% -2.76% -11.94% -13.93% -12.54% -0.46% -5.54%
Return on Equity (ROE)		 3.96% 3.22% 28.76% 2.36% -53.30% -3.47% -14.27% -16.19% -14.47% -0.50% -6.32%
Cash Return on Invested Capital (CROIC)		 -1.47% 4.86% 33.08% 1.64% 41.26% 28.21% 16.71% 20.21% 3.88% -38.90% -66.75%
Operating Return on Assets (OROA)		 0.67% 0.65% 2.38% 0.55% -17.87% -0.91% -2.23% -3.01% -2.65% -0.04% -1.08%
Return on Assets (ROA)		 0.53% 0.46% 4.50% 0.55% -17.87% -0.90% -3.03% -3.02% -2.57% -0.10% -1.13%
Return on Common Equity (ROCE)		 3.96% 3.22% 28.76% 2.36% -53.30% -3.46% -14.21% -16.14% -14.47% -0.50% -5.69%
Return on Equity Simple (ROE_SIMPLE)		 3.83% 3.11% 24.88% 2.19% -59.77% -3.41% -14.76% -16.70% -14.96% -0.48% -3.38%
Net Operating Profit after Tax (NOPAT)		 51 39 290 19 -303 -22 -90 -107 -105 -1.51 -22
NOPAT Margin		 6.52% 4.50% 24.40% 2.27% -416.45% -2.85% -12.31% -18.69% -20.99% -0.35% -10.44%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 10.59% 0.42% 1.31% 1.22% 0.92% 0.09% 0.47%
SG&A Expenses to Revenue		 50.77% 49.36% 51.24% 62.09% 492.99% 82.16% 58.16% 64.77% 66.30% 57.82% 58.78%
Operating Expenses to Revenue		 69.08% 65.51% 64.59% 80.79% 690.28% 104.07% 112.93% 126.70% 129.99% 100.50% 114.86%
Earnings before Interest and Taxes (EBIT)		 65 55 153 18 -433 -31 -94 -153 -150 -2.16 -32
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 55 11 111 21 -379 31 -39 -107 -120 19 -21
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.36 0.77 0.79 2.84 1.33 1.24 1.29 1.86 2.12 4.01 1.58
Price to Tangible Book Value (P/TBV)		 1.44 0.81 0.85 3.12 1.33 1.26 1.32 1.98 2.27 4.45 1.78
Price to Revenue (P/Rev)		 2.31 1.11 0.78 2.95 13.28 1.47 1.54 2.98 4.13 9.71 7.30
Price to Earnings (P/E)		 35.45 24.61 3.19 129.97 0.00 0.00 0.00 0.00 0.00 0.00 0.00
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		 2.82% 4.06% 31.32% 0.77% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.63 0.00 0.00 1.55 0.74 0.89 0.89 1.03 1.08 1.43 0.91
Enterprise Value to Revenue (EV/Rev)		 1.07 0.00 0.00 2.76 14.83 3.08 4.25 7.61 11.38 18.71 16.28
Enterprise Value to EBITDA (EV/EBITDA)		 15.22 0.00 0.00 105.64 0.00 74.68 0.00 0.00 0.00 414.23 0.00
Enterprise Value to EBIT (EV/EBIT)		 12.95 0.00 0.00 122.62 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 16.41 0.00 0.00 121.73 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 9.43 2.58 0.00 0.00 0.00 10,454.13 107.61 68.88
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 94.50 1.28 2.71 4.81 4.54 26.92 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.00 0.02 0.11 0.72 1.02 1.90 3.01 3.56 4.43 4.39 2.89
Long-Term Debt to Equity		 0.00 0.02 0.11 0.69 0.88 1.25 2.48 3.52 4.43 4.39 2.89
Financial Leverage		 0.01 0.06 0.37 0.86 1.51 2.45 3.29 4.00 4.41 3.67 4.47
Leverage Ratio		 7.50 6.96 6.39 4.30 2.98 3.84 4.70 5.36 5.63 4.81 5.60
Compound Leverage Factor		 7.50 6.96 6.39 4.30 2.98 3.84 6.39 5.36 5.63 4.81 5.60
Debt to Total Capital		 0.00% 1.52% 10.06% 41.79% 50.60% 65.51% 75.06% 78.05% 81.58% 81.44% 74.30%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 1.90% 7.16% 22.51% 13.14% 0.76% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 1.52% 10.06% 39.89% 43.44% 43.00% 61.92% 77.29% 81.58% 81.44% 74.30%
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% 0.05% 0.12% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 100.00% 98.48% 89.94% 58.21% 49.40% 34.49% 24.89% 21.83% 18.42% 18.56% 25.70%
Debt to EBITDA		 0.00 1.75 1.18 28.51 -1.96 54.69 -66.41 -30.77 -35.91 235.45 -132.43
Net Debt to EBITDA		 0.00 -114.96 -8.98 -7.16 -0.30 39.10 -50.09 -24.76 -30.15 199.18 -89.29
Long-Term Debt to EBITDA		 0.00 1.75 1.18 27.21 -1.68 35.89 -54.78 -30.47 -35.91 235.45 -132.43
Debt to NOPAT		 0.00 0.50 0.45 32.85 -2.45 -79.06 -29.23 -30.72 -41.10 -3,020.74 -127.59
Net Debt to NOPAT		 0.00 -32.74 -3.43 -8.25 -0.37 -56.53 -22.05 -24.72 -34.50 -2,555.38 -86.02
Long-Term Debt to NOPAT		 0.00 0.50 0.45 31.35 -2.10 -51.89 -24.11 -30.42 -41.10 -3,020.74 -127.59
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.10% 0.39% 0.28% 0.00% 0.00% 9.91%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -19 62 456 24 841 861 645 963 212 -1,828 -1,901
Operating Cash Flow to CapEx		 -4,850.97% -1,909.96% 540.53% 697.03% 1,342.12% -534.15% 0.00% 0.00% 1.05% 189.76% 0.00%
Free Cash Flow to Firm to Interest Expense		 -0.05 0.23 5.52 0.30 5.59 3.48 1.67 1.68 0.31 -3.33 -5.33
Operating Cash Flow to Interest Expense		 -7.04 -4.20 4.55 3.00 2.78 -1.09 -1.66 -1.00 0.00 0.14 0.14
Operating Cash Flow Less CapEx to Interest Expense		 -7.19 -4.42 3.71 2.57 2.57 -1.30 -1.52 -0.93 -0.07 0.06 0.20
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.08 0.10 0.18 0.24 0.03 0.22 0.17 0.11 0.09 0.09 0.07
Fixed Asset Turnover		 4.78 5.80 10.13 8.41 0.69 6.65 6.75 6.01 6.90 10.36 10.66
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,342 1,271 1,295 1,461 1,466 2,610 3,492 4,227 5,297 5,613 3,787
Invested Capital Turnover		 0.60 0.67 0.86 0.56 0.04 0.25 0.19 0.12 0.09 0.09 0.07
Increase / (Decrease) in Invested Capital		 71 -23 -166 -5.35 -1,144 -882 -735 -1,070 -317 1,827 1,879
Enterprise Value (EV)		 842 -316 -69 2,262 1,080 2,335 3,100 4,373 5,698 8,043 3,438
Market Capitalization		 1,820 958 925 2,415 966 1,112 1,121 1,713 2,070 4,175 1,541
Book Value per Share		 $11.94 $11.42 $11.08 $8.51 $7.91 $10.21 $2.04 $2.22 $2.47 $2.76 $15.98
Tangible Book Value per Share		 $11.26 $10.73 $10.36 $7.76 $7.91 $10.05 $2.00 $2.08 $2.32 $2.48 $14.19
Total Capital		 1,342 1,271 1,295 1,461 1,466 2,610 3,492 4,227 5,297 5,613 3,787
Total Debt		 0.00 19 130 610 742 1,710 2,621 3,299 4,321 4,572 2,814
Total Long-Term Debt		 0.00 19 130 583 637 1,122 2,162 3,267 4,321 4,572 2,814
Net Debt		 -977 -1,275 -994 -153 113 1,222 1,977 2,655 3,627 3,867 1,897
Capital Expenditures (CapEx)		 54 60 69 34 31 51 -53 -45 52 39 -21
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 130 9.07 39 47 41 3.48 11
Net Nonoperating Obligations (NNO)		 0.00 19 130 610 742 1,710 2,621 3,299 4,321 4,572 2,814
Total Depreciation and Amortization (D&A)		 -9.70 -44 -42 2.97 54 62 55 46 30 22 10
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.46 $0.36 $2.80 $0.38 ($1.24) $0.00 $0.00 $0.00 $0.00 ($0.05) ($2.20)
Adjusted Weighted Average Basic Shares Outstanding		 111.73M 108.47M 103.55M 98.14M 93.55M 0.00 0.00 0.00 0.00 74.97M 15.11M
Adjusted Diluted Earnings per Share		 $0.45 $0.36 $2.79 $0.18 ($1.24) $0.00 $0.00 $0.00 $0.00 ($0.05) ($2.20)
Adjusted Weighted Average Diluted Shares Outstanding		 113.12M 108.47M 104.00M 102.15M 93.55M 0.00 0.00 0.00 0.00 74.97M 15.11M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 ($1.24) $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 113.38M 110.41M 106.57M 101.04M 90.44M 0.00 0.00 0.00 0.00 76.29M 74.40M
Normalized Net Operating Profit after Tax (NOPAT)		 51 39 107 13 -303 -22 -65 -107 -79 -1.51 -22
Normalized NOPAT Margin		 6.52% 4.50% 9.02% 1.58% -416.45% -2.85% -8.88% -18.69% -15.81% -0.35% -10.44%
Pre Tax Income Margin		 8.27% 6.32% 12.89% 2.25% -594.93% -4.07% -17.58% -26.70% -29.99% -0.50% -14.91%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.17 0.20 1.85 0.23 -2.88 -0.12 -0.24 -0.27 -0.22 0.00 -0.09
NOPAT to Interest Expense		 0.14 0.14 3.51 0.23 -2.02 -0.09 -0.23 -0.19 -0.15 0.00 -0.06
EBIT Less CapEx to Interest Expense		 0.03 -0.02 1.01 -0.20 -3.09 -0.33 -0.11 -0.19 -0.29 -0.08 -0.03
NOPAT Less CapEx to Interest Expense		 -0.01 -0.08 2.67 -0.20 -2.22 -0.29 -0.10 -0.11 -0.23 -0.07 0.00
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% -11.60% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 0.00% 0.00% 0.00% 0.00% -11.60% 0.00% 0.00% 0.00% -13.35% 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 Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 20.49% 17.02% 0.51% -19.46% -26.46% -29.35% -34.13% -29.57% -15.14% 0.18% 23.86%
EBITDA Growth		 32.76% 62.78% 426.64% 5,708.33% 71.55% -6.50% -118.78% -99.35% -83.92% -56.31% -11.17%
EBIT Growth		 -5.04% -18.82% 116.05% 31.27% -7.16% -35.31% -76.82% -70.47% -61.15% -26.74% 20.38%
NOPAT Growth		 -4.73% -4.28% 188.68% 47.41% -10.36% -56.95% -88.41% -94.45% -66.53% -18.95% 58.90%
Net Income Growth		 -4.73% -4.28% 188.68% 47.41% -10.36% -56.95% -88.41% -94.45% -66.53% -18.95% 58.90%
EPS Growth		 -9.09% -11.11% 160.00% 44.44% -15.38% -65.38% -87.80% -94.80% -66.67% -67.90% 57.69%
Operating Cash Flow Growth		 59.92% 77.25% -94.19% -920.67% -839.37% -2,543.19% -412.82% -147.76% 181.49% -72.57% 28.71%
Free Cash Flow Firm Growth		 175.21% -281.29% -194.57% -124.33% -887.30% -82.30% -62.97% -65.53% -95.00% 450.15% 30.22%
Invested Capital Growth		 -10.75% 5.55% 8.77% 3.64% 19.20% -1.81% -7.09% -8.45% -1.24% -11.37% -14.48%
Revenue Q/Q Growth		 0.23% 7.59% 7.82% 3.63% -2.65% -7.59% -13.60% -5.38% -6.48% -13.84% -7.62%
EBITDA Q/Q Growth		 -10.01% 1.63% 2.86% 41.12% 10.34% 303.95% -1,928.97% -95.83% -39.86% -59.03% -36.29%
EBIT Q/Q Growth		 41.29% -38.32% -7.28% 17.51% 20.78% 64.18% -43.67% -16.89% -15.84% -41.17% -28.24%
NOPAT Q/Q Growth		 20.07% -32.77% -2.99% 21.66% 20.63% 102.78% -50.46% -26.02% -42.07% -45.39% -76.27%
Net Income Q/Q Growth		 20.07% -32.77% -2.99% 21.66% 20.63% 102.78% -50.46% -26.02% -42.07% -45.39% -76.27%
EPS Q/Q Growth		 25.00% -38.46% 0.00% 18.18% 22.22% 80.00% -44.44% -30.77% -50.00% -36.59% -76.30%
Operating Cash Flow Q/Q Growth		 -83.01% 72.33% 28.17% -10.15% -3.89% -136.22% -277.56% -179.79% 243.30% -69.75% -42.36%
Free Cash Flow Firm Q/Q Growth		 389.29% 35.33% -208.61% 86.97% -797.37% -66.26% -20.60% 321.46% -84.32% -29.42% -26.08%
Invested Capital Q/Q Growth		 1.70% -0.29% 4.03% -15.40% 20.27% 2.76% -0.88% -2.69% -0.93% -2.77% -2.32%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 6.32% 7.04% 7.46% 7.82% 5.74% 5.06% -2.29% 0.11% 2.46% 3.83% 8.05%
EBIT Margin		 7.21% 5.11% 8.92% 10.37% 9.15% 7.37% 4.15% 6.36% 7.25% 8.05% 11.79%
Profit (Net Income) Margin		 5.36% 4.48% 7.16% 7.96% 6.78% 5.47% 2.49% 4.35% 5.56% 8.98% 14.17%
Tax Burden Percent		 74.36% 87.50% 80.28% 76.73% 74.12% 74.21% 60.08% 68.33% 76.77% 111.53% 120.14%
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		 25.64% 12.50% 19.72% 23.27% 25.88% 25.79% 39.92% 31.67% 23.23% -11.53% -20.14%
Return on Invested Capital (ROIC)		 3.05% 2.70% 4.19% 4.73% 3.86% 3.69% 1.83% 3.48% 4.93% 7.74% 11.64%
ROIC Less NNEP Spread (ROIC-NNEP)		 3.05% 2.70% 4.19% 4.73% 3.86% 3.69% 1.83% 3.48% 4.93% 7.74% 11.64%
Return on Net Nonoperating Assets (RNNOA)		 0.30% 0.02% 0.05% 0.09% 0.56% 0.23% 0.19% 0.50% 1.19% 2.85% 5.82%
Return on Equity (ROE)		 3.36% 2.72% 4.24% 4.82% 4.41% 3.92% 2.02% 3.98% 6.12% 10.58% 17.46%
Cash Return on Invested Capital (CROIC)		 14.87% -1.47% -4.40% -0.24% -14.85% 4.86% 11.43% 15.76% 21.58% 33.08% 36.05%
Operating Return on Assets (OROA)		 0.60% 0.41% 0.69% 0.87% 0.81% 0.76% 0.51% 0.92% 1.16% 1.48% 2.43%
Return on Assets (ROA)		 0.45% 0.36% 0.55% 0.67% 0.60% 0.56% 0.31% 0.63% 0.89% 1.66% 2.92%
Return on Common Equity (ROCE)		 3.36% 2.72% 4.24% 4.82% 4.41% 3.92% 2.02% 3.98% 6.12% 10.58% 17.46%
Return on Equity Simple (ROE_SIMPLE)		 3.72% 0.00% 3.85% 3.29% 2.96% 0.00% 4.33% 7.51% 22.05% 0.00% 26.32%
Net Operating Profit after Tax (NOPAT)		 12 9.72 14 15 12 10 5.01 10 14 24 43
NOPAT Margin		 5.36% 4.48% 7.16% 7.96% 6.78% 5.47% 2.49% 4.35% 5.56% 8.98% 14.17%
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		 48.97% 45.77% 49.73% 53.14% 55.47% 53.43% 47.45% 49.10% 48.11% 53.60% 48.70%
Operating Expenses to Revenue		 66.08% 65.77% 67.53% 70.64% 73.18% 70.05% 63.75% 64.99% 64.03% 68.53% 61.07%
Earnings before Interest and Taxes (EBIT)		 16 11 18 19 17 14 8.34 15 18 21 36
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 14 15 15 15 10 9.40 -4.61 0.25 6.05 10 25
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.86 1.36 0.95 0.73 0.76 0.77 0.55 0.87 0.65 0.79 1.02
Price to Tangible Book Value (P/TBV)		 0.91 1.44 1.01 0.78 0.81 0.81 0.59 0.93 0.69 0.85 1.10
Price to Revenue (P/Rev)		 1.42 2.31 1.69 1.25 1.21 1.11 0.70 1.00 0.67 0.78 0.97
Price to Earnings (P/E)		 23.06 35.45 24.69 22.22 25.69 24.61 12.66 11.57 2.93 3.19 3.88
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		 4.34% 2.82% 4.05% 4.50% 3.89% 4.06% 7.90% 8.64% 34.16% 31.32% 25.77%
Enterprise Value to Invested Capital (EV/IC)		 0.18 0.63 0.17 0.00 0.08 0.00 0.00 0.00 0.00 0.00 0.25
Enterprise Value to Revenue (EV/Rev)		 0.30 1.07 0.31 0.00 0.16 0.00 0.00 0.00 0.00 0.00 0.28
Enterprise Value to EBITDA (EV/EBITDA)		 4.25 15.22 4.66 0.00 8.04 0.00 0.00 0.00 0.00 0.00 2.72
Enterprise Value to EBIT (EV/EBIT)		 3.89 12.95 3.41 0.00 2.32 0.00 0.00 0.00 0.00 0.00 2.09
Enterprise Value to NOPAT (EV/NOPAT)		 4.92 16.41 4.45 0.00 3.30 0.00 0.00 0.00 0.00 0.00 1.14
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 0.73
Enterprise Value to Free Cash Flow (EV/FCFF)		 1.16 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.65
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.00 0.00 0.00 0.00 0.21 0.02 0.02 0.04 0.08 0.11 0.19
Long-Term Debt to Equity		 0.00 0.00 0.00 0.00 0.21 0.02 0.02 0.04 0.08 0.11 0.18
Financial Leverage		 0.10 0.01 0.01 0.02 0.14 0.06 0.10 0.14 0.24 0.37 0.50
Leverage Ratio		 7.50 7.50 7.65 7.19 7.33 6.96 6.55 6.36 6.89 6.39 5.98
Compound Leverage Factor		 7.50 7.50 7.65 7.19 7.33 6.96 6.55 6.36 6.89 6.39 5.98
Debt to Total Capital		 0.00% 0.00% 0.20% 0.42% 17.17% 1.52% 2.33% 3.41% 7.16% 10.06% 15.78%
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% 0.36%
Long-Term Debt to Total Capital		 0.00% 0.00% 0.20% 0.42% 17.17% 1.52% 2.33% 3.41% 7.16% 10.06% 15.42%
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		 100.00% 100.00% 99.80% 99.58% 82.83% 98.48% 97.67% 96.59% 92.84% 89.94% 84.22%
Debt to EBITDA		 0.00 0.00 0.05 0.18 17.03 1.75 2.46 1.04 1.16 1.18 1.70
Net Debt to EBITDA		 0.00 0.00 -21.18 -32.35 -54.48 -114.96 -112.53 -29.25 -20.12 -8.98 -6.54
Long-Term Debt to EBITDA		 0.00 0.00 0.05 0.18 17.03 1.75 2.46 1.04 1.16 1.18 1.66
Debt to NOPAT		 0.00 0.00 0.05 0.13 7.00 0.50 0.55 0.47 0.35 0.45 0.71
Net Debt to NOPAT		 0.00 0.00 -20.24 -22.78 -22.38 -32.74 -25.23 -13.21 -6.07 -3.43 -2.74
Long-Term Debt to NOPAT		 0.00 0.00 0.05 0.13 7.00 0.50 0.55 0.47 0.35 0.45 0.70
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)		 176 -61 -94 -30 -234 34 99 125 30 190 269
Operating Cash Flow to CapEx		 -2,596.48% -1,076.50% -5,386.20% -7,248.01% -7,185.43% -7,229.86% -2,157.97% -576.13% 698.21% 225.00% 637.32%
Free Cash Flow to Firm to Interest Expense		 2.14 -0.62 -0.94 -0.33 -2.77 0.44 1.41 1.85 0.53 4.89 13.75
Operating Cash Flow to Interest Expense		 -4.13 -1.89 -6.69 -10.23 -10.02 -10.60 -4.90 -1.35 2.06 0.86 5.64
Operating Cash Flow Less CapEx to Interest Expense		 -4.29 -2.06 -6.81 -10.38 -10.16 -10.75 -5.13 -1.58 1.76 0.48 4.76
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.08 0.08 0.08 0.08 0.09 0.10 0.12 0.14 0.16 0.18 0.21
Fixed Asset Turnover		 4.96 4.78 4.61 4.75 5.20 5.80 6.50 7.70 8.95 10.13 10.50
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,365 1,342 1,346 1,293 1,529 1,271 1,237 1,248 1,283 1,295 1,332
Invested Capital Turnover		 0.57 0.60 0.59 0.59 0.57 0.67 0.73 0.80 0.89 0.86 0.82
Increase / (Decrease) in Invested Capital		 -164 71 109 45 246 -23 -94 -115 -16 -166 -225
Enterprise Value (EV)		 250 842 230 -24 124 -316 -658 -148 -824 -69 336
Market Capitalization		 1,170 1,820 1,278 940 964 958 663 1,048 768 925 1,145
Book Value per Share		 $12.03 $11.94 $12.01 $11.59 $11.44 $11.42 $11.12 $11.22 $11.17 $11.08 $10.82
Tangible Book Value per Share		 $11.37 $11.26 $11.33 $10.91 $10.76 $10.73 $10.42 $10.51 $10.46 $10.36 $10.09
Total Capital		 1,365 1,342 1,346 1,293 1,529 1,271 1,237 1,248 1,283 1,295 1,332
Total Debt		 0.00 0.00 2.68 5.47 263 19 29 43 92 130 210
Total Long-Term Debt		 0.00 0.00 2.68 5.47 263 19 29 43 92 130 205
Net Debt		 -920 -977 -1,048 -964 -840 -1,275 -1,321 -1,196 -1,593 -994 -809
Capital Expenditures (CapEx)		 13 17 12 13 12 11 16 16 16 15 17
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)		 0.00 0.00 2.68 5.47 263 19 29 43 92 130 210
Total Depreciation and Amortization (D&A)		 -1.93 4.19 -2.95 -4.79 -6.16 -4.28 -13 -15 -12 -11 -11
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.10 $0.09 $0.13 $0.13 $0.11 $0.09 $0.05 $0.09 $0.13 $0.22 $0.41
Adjusted Weighted Average Basic Shares Outstanding		 113.69M 111.73M 112.04M 111.40M 110.69M 108.47M 109.07M 107.89M 106.91M 103.55M 104.22M
Adjusted Diluted Earnings per Share		 $0.10 $0.08 $0.13 $0.13 $0.11 $0.09 $0.05 $0.09 $0.13 $0.26 $0.41
Adjusted Weighted Average Diluted Shares Outstanding		 116.18M 113.12M 113.92M 111.47M 110.69M 108.47M 109.07M 107.90M 106.92M 104.00M 105.85M
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		 114.20M 113.38M 112.40M 111.82M 111.12M 110.41M 109.65M 108.69M 107.47M 106.57M 105.09M
Normalized Net Operating Profit after Tax (NOPAT)		 12 9.72 14 15 12 10 5.01 10 14 15 25
Normalized NOPAT Margin		 5.36% 4.48% 7.16% 7.96% 6.78% 5.47% 2.49% 4.35% 5.56% 5.64% 8.25%
Pre Tax Income Margin		 7.21% 5.11% 8.92% 10.37% 9.15% 7.37% 4.15% 6.36% 7.25% 8.05% 11.79%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.19 0.11 0.18 0.21 0.20 0.18 0.12 0.22 0.32 0.55 1.84
NOPAT to Interest Expense		 0.14 0.10 0.14 0.16 0.15 0.13 0.07 0.15 0.25 0.61 2.21
EBIT Less CapEx to Interest Expense		 0.03 -0.06 0.06 0.07 0.06 0.03 -0.11 -0.02 0.03 0.16 0.95
NOPAT Less CapEx to Interest Expense		 -0.02 -0.08 0.02 0.02 0.01 -0.01 -0.16 -0.08 -0.05 0.23 1.33
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%

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 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 5/21/2025 by MarketBeat.com Staff
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