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LendingClub (LC) Financials

LendingClub logo
$16.37 -1.13 (-6.47%)
Closing price 06/3/2026 03:58 PM Eastern
Extended Trading
$16.26 -0.10 (-0.63%)
As of 06/3/2026 08:00 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 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
Net Income / (Loss) Attributable to Common Shareholders		 5.01 10 12 15 14 9.72 12 38 44 42 52
Consolidated Net Income / (Loss)		 5.01 10 12 15 14 9.72 12 38 44 42 52
Net Income / (Loss) Continuing Operations		 5.01 10 12 15 14 9.72 12 38 44 42 52
Total Pre-Tax Income 		8.34 14 17 19 18 11 16 54 57 50 67
Total Revenue		 201 186 181 187 202 217 218 248 266 266 252
Net Interest Income / (Expense)		 137 131 123 129 140 142 150 154 158 163 176
Total Interest Income		 207 208 207 220 240 241 232 237 242 251 261
Loans and Leases Interest Income		 181 171 156 164 175 169 166 175 179 186 200
Investment Securities Interest Income		 9.47 21 35 43 52 57 56 55 56 56 54
Other Interest Income		 17 16 17 13 12 14 9.61 7.11 6.39 8.82 6.90
Total Interest Expense		 70 77 84 91 100 98 82 83 83 88 85
Deposits Interest Expense		 70 76 84 90 97 98 82 83 83 88 85
Other Interest Expense		 0.90 0.59 0.50 0.91 3.27 0.01 0.00 0.00 0.14 0.00 0.00
Total Non-Interest Income		 64 54 58 59 62 75 68 94 108 103 76
Other Service Charges		 2.96 1.95 1.91 2.36 3.26 2.65 85 4.54 5.64 4.94 149
Net Realized & Unrealized Capital Gains on Investments		 - - - - - - 12 - - - 16
Other Non-Interest Income		 - - - - - - -29 - - - -89
Provision for Credit Losses		 64 42 32 36 48 63 58 40 46 47 0.39
Total Non-Interest Expense		 128 130 132 132 136 143 144 155 163 169 185
Salaries and Employee Benefits		 58 59 60 57 57 59 58 62 61 61 66
Net Occupancy & Equipment Expense		 17 17 17 16 17 17 19 19 19 20 22
Marketing Expense		 20 23 24 27 26 23 29 34 41 46 55
Other Operating Expenses		 21 19 19 20 23 24 23 24 26 26 26
Depreciation Expense		 11 12 13 13 13 20 14 15 17 17 16
Income Tax Expense		 3.33 3.53 4.28 4.52 3.55 1.39 4.02 16 13 8.48 16
Basic Earnings per Share		 $0.05 $0.09 $0.11 $0.13 $0.13 $0.09 $0.10 $0.33 $0.39 $0.36 $0.45
Weighted Average Basic Shares Outstanding		 109.07M 108.47M 110.69M 111.40M 112.04M 111.73M 113.69M 114.41M 114.96M 114.61M 115.40M
Diluted Earnings per Share		 $0.05 $0.09 $0.11 $0.13 $0.13 $0.08 $0.10 $0.33 $0.37 $0.36 $0.44
Weighted Average Diluted Shares Outstanding		 109.07M 108.47M 110.69M 111.47M 113.92M 113.12M 116.18M 115.69M 118.19M 117.23M 117.33M
Weighted Average Basic & Diluted Shares Outstanding		 109.65M 110.41M 111.12M 111.82M 112.40M 113.38M 114.20M 114.74M 115.30M 115.18M 115.35M

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 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
Net Change in Cash & Equivalents		 112 -56 -192 -133 81 -73 -57 -146 71 85 -109
Net Cash From Operating Activities		 -345 -815 -847 -932 -670 -185 -339 -713 -771 -904 -619
Net Cash From Continuing Operating Activities		 -345 -815 -847 -932 -670 -185 -339 -713 -771 -904 -619
Net Income / (Loss) Continuing Operations		 5.01 10 12 15 14 9.72 12 38 44 42 52
Consolidated Net Income / (Loss)		 5.01 10 12 15 14 9.72 12 38 44 42 52
Provision For Loan Losses		 64 42 32 36 48 63 58 40 46 47 0.39
Depreciation Expense		 11 12 13 13 13 20 14 15 17 17 16
Amortization Expense		 -24 -16 -19 -18 -16 -16 -16 -16 -16 -15 -14
Non-Cash Adjustments to Reconcile Net Income		 45 114 64 33 36 99 46 26 73 -8.17 80
Changes in Operating Assets and Liabilities, net		 -447 -977 -948 -1,011 -765 -362 -453 -817 -936 -986 -753
Net Cash From Investing Activities		 326 449 217 487 -594 498 450 337 596 549 183
Net Cash From Continuing Investing Activities		 326 449 217 487 -594 498 450 337 596 549 183
Purchase of Property, Leasehold Improvements and Equipment		 -16 -11 -12 -13 -12 -17 -13 -91 -21 -16 -26
Purchase of Investment Securities		 319 397 121 297 -879 185 86 -4.22 145 62 -297
Sale and/or Maturity of Investments		 23 63 107 203 298 331 378 432 472 503 506
Net Cash From Financing Activities		 131 310 438 313 1,345 -386 -168 230 246 440 328
Net Cash From Continuing Financing Activities		 131 310 438 313 1,345 -386 -168 230 246 440 328
Net Change in Deposits		 148 322 199 574 1,351 -382 -168 234 252 452 354
Repurchase of Common Equity		 - - - - - - -0.75 - - - -26
Cash Interest Paid		 65 78 91 88 100 100 84 81 93 83 87
Cash Income Taxes Paid		 0.51 -1.13 - 0.05 0.06 0.16 0.10 - 0.35 0.57 -6.48

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 Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 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 9/30/2025 3/31/2026
Total Assets		 6,775 8,754 8,343 8,472 9,245 9,586 11,038 10,483 10,775 11,073 11,940
Cash and Due from Banks		 23 23 21 19 16 19 26 20 18 11 20
Restricted Cash		 66 47 35 42 36 31 33 25 22 18 20
Interest Bearing Deposits at Other Banks		 930 1,614 1,183 1,289 1,050 919 991 875 734 817 782
Trading Account Securities		 359 425 774 1,158 2,229 2,814 3,311 3,427 3,527 3,742 3,868
Loans and Leases, Net of Allowance		 4,504 5,143 5,178 4,887 4,247 3,999 3,888 3,971 4,133 4,096 3,463
Loans and Leases		 4,807 5,492 5,533 5,237 4,506 4,228 4,108 4,215 4,386 4,363 3,701
Allowance for Loan and Lease Losses		 303 349 355 350 259 229 221 244 253 268 238
Loans Held for Sale		 90 - - - 550 791 850 703 1,008 1,213 1,836
Premises and Equipment, Net		 130 144 152 160 164 166 168 169 246 250 273
Goodwill		 76 76 76 76 76 76 76 76 76 76 76
Other Assets		 597 6,425 924 841 878 770 1,695 1,217 1,010 850 1,602
Total Liabilities & Shareholders' Equity		 6,775 8,754 8,343 8,472 9,245 9,586 11,038 10,483 10,775 11,073 11,940
Total Liabilities		 5,654 7,563 7,137 7,264 7,979 8,298 9,695 9,119 9,369 9,610 10,416
Non-Interest Bearing Deposits		 255 201 190 313 308 336 361 366 350 347 408
Interest Bearing Deposits		 4,868 7,018 6,654 6,687 7,214 7,760 9,099 8,540 8,786 9,041 9,782
Other Long-Term Liabilities		 320 253 251 235 194 197 232 213 233 222 227
Total Equity & Noncontrolling Interests		 1,121 1,191 1,206 1,208 1,266 1,288 1,343 1,365 1,406 1,462 1,524
Total Preferred & Common Equity		 1,121 1,191 1,206 1,208 1,266 1,288 1,343 1,365 1,406 1,462 1,524
Total Common Equity		 1,121 1,191 1,206 1,208 1,266 1,288 1,343 1,365 1,406 1,462 1,524
Common Stock		 1,613 1,638 1,649 1,661 1,680 1,687 1,694 1,713 1,720 1,723 1,702
Retained Earnings		 -451 -414 -404 -399 -377 -362 -347 -326 -288 -243 -150
Accumulated Other Comprehensive Income / (Loss)		 -40 -34 -39 -54 -37 -37 -3.57 -22 -26 -18 -29

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 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
DEI Shares Outstanding		 - - - - - - - - - 115,301,440.00 115,180,598.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - 115,301,440.00 115,180,598.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - 0.36 0.45
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -34.13% -29.35% -26.46% -19.46% 0.51% 17.02% 20.49% 32.68% 31.88% - 15.87%
EBITDA Growth		 -118.78% -6.50% 71.55% 5,708.33% 426.64% 62.78% 32.76% 267.09% 286.14% - 405.67%
EBIT Growth		 -76.82% -35.31% -7.16% 31.27% 116.05% -18.82% -5.04% 177.95% 217.85% - 328.98%
NOPAT Growth		 -88.41% -56.95% -10.36% 47.41% 188.68% -4.28% -4.73% 156.18% 206.25% - 342.15%
Net Income Growth		 -88.41% -56.95% -10.36% 47.41% 188.68% -4.28% -4.73% 156.18% 206.25% - 342.15%
EPS Growth		 -87.80% -65.38% -15.38% 44.44% 160.00% -11.11% -9.09% 153.85% 184.62% - 340.00%
Operating Cash Flow Growth		 -412.82% -2,543.19% -839.37% -920.67% -94.19% 77.25% 59.92% 23.53% -15.08% - -82.46%
Free Cash Flow Firm Growth		 -62.97% -82.30% -887.30% -124.33% -194.57% -281.29% 175.21% -144.21% 23.08% - -161.03%
Invested Capital Growth		 -7.09% -1.81% 19.20% 3.64% 8.77% 5.55% -10.75% 8.71% 8.67% - 11.65%
Revenue Q/Q Growth		 -13.60% -7.59% -2.65% 3.63% 7.82% 7.59% 0.23% 14.11% 7.16% - -5.34%
EBITDA Q/Q Growth		 -1,928.97% 303.95% 10.34% 41.12% 2.86% 1.63% -10.01% 290.20% 8.19% - 34.32%
EBIT Q/Q Growth		 -43.67% 64.18% 20.78% 17.51% -7.28% -38.32% 41.29% 243.96% 6.03% - 34.58%
NOPAT Q/Q Growth		 -50.46% 102.78% 20.63% 21.66% -2.99% -32.77% 20.07% 227.12% 15.97% - 24.18%
Net Income Q/Q Growth		 -50.46% 102.78% 20.63% 21.66% -2.99% -32.77% 20.07% 227.12% 15.97% - 24.18%
EPS Q/Q Growth		 -44.44% 80.00% 22.22% 18.18% 0.00% -38.46% 25.00% 230.00% 12.12% - 22.22%
Operating Cash Flow Q/Q Growth		 -277.56% -136.22% -3.89% -10.15% 28.17% 72.33% -83.01% -110.19% -8.10% - 31.51%
Free Cash Flow Firm Q/Q Growth		 -20.60% -66.26% -797.37% 86.97% -208.61% 35.33% 389.29% -142.30% 2.79% - 8.31%
Invested Capital Q/Q Growth		 -0.88% 2.76% 20.27% -15.40% 4.03% -0.29% 1.70% 3.04% 4.00% - 1.54%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 -2.29% 5.06% 5.74% 7.82% 7.46% 7.04% 6.32% 21.63% 21.84% - 27.60%
EBIT Margin		 4.15% 7.37% 9.15% 10.37% 8.92% 5.11% 7.21% 21.73% 21.50% - 26.69%
Profit (Net Income) Margin		 2.49% 5.47% 6.78% 7.96% 7.16% 4.48% 5.36% 15.37% 16.63% - 20.46%
Tax Burden Percent		 60.08% 74.21% 74.12% 76.73% 80.28% 87.50% 74.36% 70.72% 77.35% - 76.64%
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		 39.92% 25.79% 25.88% 23.27% 19.72% 12.50% 25.64% 29.28% 22.65% - 23.36%
Return on Invested Capital (ROIC)		 1.83% 3.69% 3.86% 4.73% 4.19% 2.70% 3.05% 10.08% 11.25% - 14.64%
ROIC Less NNEP Spread (ROIC-NNEP)		 1.83% 3.69% 3.86% 4.73% 4.19% 2.70% 3.05% 10.08% 11.25% - 0.00%
Return on Net Nonoperating Assets (RNNOA)		 0.19% 0.23% 0.56% 0.09% 0.05% 0.02% 0.30% 0.02% 0.01% - 0.00%
Return on Equity (ROE)		 2.02% 3.92% 4.41% 4.82% 4.24% 2.72% 3.36% 10.10% 11.26% - 0.00%
Cash Return on Invested Capital (CROIC)		 11.43% 4.86% -14.85% -0.24% -4.40% -1.47% 14.87% -2.86% -0.91% - 1.15%
Operating Return on Assets (OROA)		 0.51% 0.76% 0.81% 0.87% 0.69% 0.41% 0.60% 1.89% 1.85% - 2.46%
Return on Assets (ROA)		 0.31% 0.56% 0.60% 0.67% 0.55% 0.36% 0.45% 1.34% 1.43% - 1.89%
Return on Common Equity (ROCE)		 2.02% 3.92% 4.41% 4.82% 4.24% 2.72% 3.36% 10.10% 11.26% - 0.00%
Return on Equity Simple (ROE_SIMPLE)		 4.33% 0.00% 2.96% 3.29% 3.85% 0.00% 3.72% 5.26% 7.10% - 11.53%
Net Operating Profit after Tax (NOPAT)		 5.01 10 12 15 14 9.72 12 38 44 - 52
NOPAT Margin		 2.49% 5.47% 6.78% 7.96% 7.16% 4.48% 5.36% 15.37% 16.63% - 20.46%
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		 47.45% 53.43% 55.47% 53.14% 49.73% 45.77% 48.97% 46.23% 45.17% - 56.54%
Operating Expenses to Revenue		 63.75% 70.05% 73.18% 70.64% 67.53% 65.77% 66.08% 62.28% 61.12% - 73.15%
Earnings before Interest and Taxes (EBIT)		 8.34 14 17 19 18 11 16 54 57 - 67
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 -4.61 9.40 10 15 15 15 14 54 58 - 70
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.55 0.77 0.76 0.73 0.95 1.36 0.86 0.98 1.19 - 1.08
Price to Tangible Book Value (P/TBV)		 0.59 0.81 0.81 0.78 1.01 1.44 0.91 1.03 1.26 - 1.14
Price to Revenue (P/Rev)		 0.70 1.11 1.21 1.25 1.69 2.31 1.42 1.55 1.84 - 1.60
Price to Earnings (P/E)		 12.66 24.61 25.69 22.22 24.69 35.45 23.06 18.56 16.78 - 9.39
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
Earnings Yield		 7.90% 4.06% 3.89% 4.50% 4.05% 2.82% 4.34% 5.39% 5.96% - 10.65%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.08 0.00 0.17 0.63 0.18 0.43 0.61 - 0.54
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 0.16 0.00 0.31 1.07 0.30 0.68 0.94 - 0.80
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 8.04 0.00 4.66 15.22 4.25 6.13 6.37 - 3.55
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 2.32 0.00 3.41 12.95 3.89 6.07 6.50 - 3.62
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 3.30 0.00 4.45 16.41 4.92 8.10 8.64 - 4.71
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 0.00 1.16 0.00 0.00 - 49.86
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.02 0.02 0.21 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00
Long-Term Debt to Equity		 0.02 0.02 0.21 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00
Financial Leverage		 0.10 0.06 0.14 0.02 0.01 0.01 0.10 0.00 0.00 - 0.00
Leverage Ratio		 6.55 6.96 7.33 7.19 7.65 7.50 7.50 7.56 7.88 - 7.76
Compound Leverage Factor		 6.55 6.96 7.33 7.19 7.65 7.50 7.50 7.56 7.88 - 7.76
Debt to Total Capital		 2.33% 1.52% 17.17% 0.42% 0.20% 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		 2.33% 1.52% 17.17% 0.42% 0.20% 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		 97.67% 98.48% 82.83% 99.58% 99.80% 100.00% 100.00% 100.00% 100.00% - 100.00%
Debt to EBITDA		 2.46 1.75 17.03 0.18 0.05 0.00 0.00 0.00 0.00 - 0.00
Net Debt to EBITDA		 -112.53 -114.96 -54.48 -32.35 -21.18 0.00 0.00 0.00 0.00 - 0.00
Long-Term Debt to EBITDA		 2.46 1.75 17.03 0.18 0.05 0.00 0.00 0.00 0.00 - 0.00
Debt to NOPAT		 0.55 0.50 7.00 0.13 0.05 0.00 0.00 0.00 0.00 - 0.00
Net Debt to NOPAT		 -25.23 -32.74 -22.38 -22.78 -20.24 0.00 0.00 0.00 0.00 - 0.00
Long-Term Debt to NOPAT		 0.55 0.50 7.00 0.13 0.05 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)		 99 34 -234 -30 -94 -61 176 -74 -72 - -107
Operating Cash Flow to CapEx		 -2,157.97% -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%
Free Cash Flow to Firm to Interest Expense		 1.41 0.44 -2.77 -0.33 -0.94 -0.62 2.14 -0.90 -0.87 - -1.26
Operating Cash Flow to Interest Expense		 -4.90 -10.60 -10.02 -10.23 -6.69 -1.89 -4.13 -8.61 -9.25 - -7.28
Operating Cash Flow Less CapEx to Interest Expense		 -5.13 -10.75 -10.16 -10.38 -6.81 -2.06 -4.29 -9.70 -9.50 - -7.59
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.12 0.10 0.09 0.08 0.08 0.08 0.08 0.09 0.09 - 0.09
Fixed Asset Turnover		 6.50 5.80 5.20 4.75 4.61 4.78 4.96 4.29 4.54 - 4.67
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,237 1,271 1,529 1,293 1,346 1,342 1,365 1,406 1,462 - 1,524
Invested Capital Turnover		 0.73 0.67 0.57 0.59 0.59 0.60 0.57 0.66 0.68 - 0.72
Increase / (Decrease) in Invested Capital		 -94 -23 246 45 109 71 -164 113 117 - 159
Enterprise Value (EV)		 -658 -316 124 -24 230 842 250 600 897 - 828
Market Capitalization		 663 958 964 940 1,278 1,820 1,170 1,374 1,743 - 1,649
Book Value per Share		 $11.12 $11.42 $11.44 $11.59 $12.01 $11.94 $12.03 $12.31 $12.74 - $13.23
Tangible Book Value per Share		 $10.42 $10.73 $10.76 $10.91 $11.33 $11.26 $11.37 $11.65 $12.08 - $12.57
Total Capital		 1,237 1,271 1,529 1,293 1,346 1,342 1,365 1,406 1,462 - 1,524
Total Debt		 29 19 263 5.47 2.68 0.00 0.00 0.00 0.00 - 0.00
Total Long-Term Debt		 29 19 263 5.47 2.68 0.00 0.00 0.00 0.00 - 0.00
Net Debt		 -1,321 -1,275 -840 -964 -1,048 -977 -920 -774 -846 - -822
Capital Expenditures (CapEx)		 16 11 12 13 12 17 13 91 21 - 26
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)		 29 19 263 5.47 2.68 0.00 0.00 0.00 0.00 - 0.00
Total Depreciation and Amortization (D&A)		 -13 -4.28 -6.16 -4.79 -2.95 4.19 -1.93 -0.25 0.90 - 2.30
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.05 $0.09 $0.11 $0.13 $0.13 $0.09 $0.10 $0.33 $0.39 $0.36 $0.45
Adjusted Weighted Average Basic Shares Outstanding		 109.07M 108.47M 110.69M 111.40M 112.04M 111.73M 113.69M 114.41M 114.96M 114.61M 115.40M
Adjusted Diluted Earnings per Share		 $0.05 $0.09 $0.11 $0.13 $0.13 $0.08 $0.10 $0.33 $0.37 $0.36 $0.44
Adjusted Weighted Average Diluted Shares Outstanding		 109.07M 108.47M 110.69M 111.47M 113.92M 113.12M 116.18M 115.69M 118.19M 117.23M 117.33M
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		 109.65M 110.41M 111.12M 111.82M 112.40M 113.38M 114.20M 114.74M 115.30M 115.18M 115.35M
Normalized Net Operating Profit after Tax (NOPAT)		 5.01 10 12 15 14 9.72 12 38 44 - 52
Normalized NOPAT Margin		 2.49% 5.47% 6.78% 7.96% 7.16% 4.48% 5.36% 15.37% 16.63% - 20.46%
Pre Tax Income Margin		 4.15% 7.37% 9.15% 10.37% 8.92% 5.11% 7.21% 21.73% 21.50% - 26.69%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.12 0.18 0.20 0.21 0.18 0.11 0.19 0.65 0.69 - 0.79
NOPAT to Interest Expense		 0.07 0.13 0.15 0.16 0.14 0.10 0.14 0.46 0.53 - 0.61
EBIT Less CapEx to Interest Expense		 -0.11 0.03 0.06 0.07 0.06 -0.06 0.03 -0.44 0.43 - 0.49
NOPAT Less CapEx to Interest Expense		 -0.16 -0.01 0.01 0.02 0.02 -0.08 -0.02 -0.63 0.28 - 0.30
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 latest quarter shows a business that is still profitable, but operating cash flow remains under pressure even as earnings improved year over year. In Q1 2026, net income rose to $51.6 million from $41.6 million in Q4 2025 and $44.3 million in Q3 2025, while revenue was fairly steady at $252.3 million. The bigger story is balance-sheet growth: total assets increased to $11.94 billion from $11.07 billion at the end of Q3 2025, driven mainly by a larger loan portfolio and more loans held for sale.

On the positive side, LendingClub continues to show solid profitability and a strong spread business. Net interest income improved to $176.2 million in Q1 2026, up from $163.0 million in Q4 2025 and $158.4 million in Q3 2025. Deposit interest expense also appears manageable relative to interest income, and the company generated $327.9 million of financing cash flow in the quarter, helped by a $354.4 million increase in deposits.

The company also remains well-capitalized on paper, with equity rising sequentially. Total common equity increased to $1.52 billion in Q1 2026 from $1.46 billion in Q3 2025, while total liabilities stayed high but stable enough to support a large lending platform. Book equity has improved over the past year compared with early 2025, suggesting retained profitability and balance-sheet expansion are still supporting capital.

  • Profitability improved year over year: Q1 2026 net income of $51.6 million was up from $44.3 million in Q3 2025 and $41.6 million in Q4 2025.
  • Net interest income expanded: Q1 2026 net interest income reached $176.2 million, the strongest in the recent comparisons provided.
  • Deposit growth supported funding: Deposits increased by $354.4 million in Q1 2026, helping finance the loan book.
  • Equity balance improved: Total common equity rose to $1.52 billion in Q1 2026 from $1.46 billion in Q3 2025.
  • Revenue remained resilient: Quarterly revenue stayed above $250 million in the recent periods despite a changing rate environment.
  • Loan growth was meaningful: Loans and leases increased to $3.70 billion from $3.51 billion at year-end 2025 and $4.36 billion in Q3 2025, indicating an active lending platform, though the trend should be monitored for credit quality and mix.
  • Loans held for sale remained sizable: At $1.84 billion in Q1 2026, this balance is a material part of assets and can add volatility to reported results and liquidity.
  • Cash generation was mixed: Operating cash flow was negative at $(619.0) million in Q1 2026, offset by positive investing and financing cash flows.
  • Operating cash flow remains weak: Q1 2026 operating cash flow was a negative $(619.0) million, worse than the already negative $(903.8) million in Q4 2025 but less severe than some prior periods after adjustments.
  • Cash and equivalents are thin relative to assets: Cash and due from banks was only $19.5 million at Q1 2026, leaving the company reliant on deposits and investment liquidity.

Longer term, LendingClub has moved from the much weaker earnings profile seen in 2022–2023 to a more stable, consistently profitable model in 2024–2026. In 2023, quarterly earnings were often modest and volatile, with net income ranging from about $5.0 million to $43.2 million. By 2024 and into 2025–2026, quarterly net income generally improved into the $10 million to $50 million+ range, while revenue and net interest income became more consistent.

Still, investors should watch one important caution: the business appears profitable, but cash flow from operations has been heavily affected by changes in operating assets and liabilities, and that makes earnings quality and deposit stability especially important to track. For LendingClub, the near-term investment case looks more like a story of improved profitability and balance-sheet execution than rapid, clean cash conversion.

06/04/26 12:27 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. View LendingClub's forecast to see where analysts expect LendingClub to go next.

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 NYSE:LC last updated on 5/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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