LC · Lendingclub Corp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $252.25M | - | $266.23M | $248.44M | $217.71M | - | $201.88M | $187.24M | $180.69M | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | $13.91M | - | - | - | $12.67M | - |
| Operating Income | $67.33M | - | $57.24M | $53.98M | $15.70M | - | $18.01M | $19.42M | $16.53M | - |
| Interest Expense | $84.97M | - | $83.36M | $82.85M | $82.10M | - | $100.14M | $91.11M | $84.46M | - |
| Income Tax | $15.72M | - | $12.96M | $15.81M | $4.02M | - | $3.55M | $4.52M | $4.28M | - |
| Net Income | $51.60M | - | $44.27M | $38.18M | $11.67M | - | $14.46M | $10.11M | $12.25M | - |
| EPS - Basic | $0.45 | - | $0.39 | $0.33 | $0.10 | - | $0.13 | $0.13 | $0.11 | - |
| EPS - Diluted | $0.44 | - | $0.37 | $0.33 | $0.10 | - | $0.13 | $0.13 | $0.11 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $821.86M | $930.44M | $845.67M | $774.32M | $920.25M | $977.40M | $1.05B | $969.45M | $1.10B | $1.29B |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $11.94B | $11.57B | $11.07B | $10.78B | $10.48B | $10.63B | $11.04B | $9.59B | $9.24B | $8.83B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | $0 | $0 | $0 | $0 | $0 | $0 | - | - | - | $19.35M |
| Total Liabilities | $10.42B | $10.07B | $9.61B | $9.37B | $9.12B | $9.29B | $9.69B | $8.30B | $7.98B | $7.58B |
| Stockholders' Equity | $1.52B | $1.50B | $1.46B | $1.41B | $1.36B | $1.34B | $1.34B | $1.29B | $1.27B | $1.25B |
| Retained Earnings | ($150.20M) | ($201.80M) | ($243.35M) | ($287.63M) | ($325.81M) | ($337.48M) | ($347.20M) | ($361.65M) | ($376.56M) | ($388.81M) |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | ($618.99M) | - | - | - | ($339.26M) | - | - | - | ($846.52M) | - |
| Investing Cash Flow | $182.54M | - | - | - | $450.46M | - | - | - | $216.88M | - |
| Financing Cash Flow | $327.87M | - | - | - | ($168.35M) | - | - | - | $437.85M | - |
| CapEx | $25.78M | - | - | - | $13.07M | - | $12.44M | $12.87M | $11.78M | - |
| Free Cash Flow | ($644.77M) | - | - | - | ($352.32M) | - | - | - | ($858.30M) | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | 26.7% | - | 21.5% | 21.7% | 7.2% | - | 8.9% | 10.4% | 9.1% | - |
| EBITDA margin | - | - | - | - | 13.6% | - | - | - | 16.2% | - |
| Net margin | 20.5% | - | 16.6% | 15.4% | 5.4% | - | 7.2% | 5.4% | 6.8% | - |
| Free cash flow margin | -255.6% | - | - | - | -161.8% | - | - | - | -475.0% | - |
| FCF / Net income | -12.49 | - | - | - | -30.19 | - | - | - | -70.07 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 23.4% | - | 22.6% | 29.3% | 25.6% | - | 19.7% | 30.9% | 25.9% | - |
| Return on assets | 0.4% | - | 0.4% | 0.4% | 0.1% | - | 0.1% | 0.1% | 0.1% | - |
| Return on equity | 3.4% | - | 3.0% | 2.7% | 0.9% | - | 1.1% | 0.8% | 1.0% | - |
| Return on invested capital | 3.4% | - | 3.0% | 2.7% | 0.9% | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | - | - | - | 0.02 |
| Debt / Assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | - | - | - | 0.00 |
| Debt / EBITDA | - | - | - | - | 0.00 | - | - | - | - | - |
| Interest coverage | 0.8x | - | 0.7x | 0.7x | 0.2x | - | 0.2x | 0.2x | 0.2x | - |
| Equity multiplier | 7.84 | 7.71 | 7.57 | 7.66 | 7.68 | 7.92 | 8.22 | 7.44 | 7.30 | 7.05 |
| Liabilities / Assets | 0.87 | 0.87 | 0.87 | 0.87 | 0.87 | 0.87 | 0.88 | 0.87 | 0.86 | 0.86 |
| Efficiency | ||||||||||
| Asset turnover | 0.02 | - | 0.02 | 0.02 | 0.02 | - | 0.02 | 0.02 | 0.02 | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 32.5x | - | 41.1x | 36.5x | 103.2x | - | 87.9x | 65.1x | 79.9x | - |
| P / B | 1.1x | - | 1.2x | 1.0x | 0.9x | - | 1.0x | 0.7x | 0.8x | - |
| P / S | 6.7x | - | 6.7x | 5.6x | 5.5x | - | 6.4x | 5.0x | 5.4x | - |
| EV / EBITDA | - | - | - | - | 9.4x | - | - | - | -4.4x | - |
| Growth | ||||||||||
| Revenue growth (YoY) | 15.9% | - | 31.9% | 32.7% | 20.5% | - | 0.5% | -19.5% | -26.5% | - |
| Revenue CAGR (3y) | 0.9% | - | -4.4% | -9.0% | -9.1% | - | 41.6% | -2.9% | 11.3% | - |
| Revenue CAGR (5y) | 14.0% | - | 28.9% | 41.5% | 12.6% | - | -0.3% | -0.4% | 0.7% | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 329.0% | - | 217.8% | 178.0% | -5.0% | - | 116.1% | 31.3% | -7.2% | - |
| Net income growth (YoY) | 342.1% | - | 206.2% | 277.6% | -4.7% | - | 188.7% | -94.4% | -70.0% | - |
| EPS growth (YoY) | 340.0% | - | 184.6% | 153.8% | -9.1% | - | 160.0% | 44.4% | -15.4% | - |
| EPS CAGR (3y) | 50.1% | - | - | - | - | - | - | - | - | - |
| EPS CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| FCF growth (YoY) | -83.0% | - | - | - | 59.0% | - | - | - | - | - |
| FCF CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Book value growth (YoY) | 11.7% | 11.8% | 8.9% | 9.2% | 7.8% | 7.2% | 11.1% | 6.8% | 8.8% | 7.5% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Business segments
$1.02B totalLending Club Bank$980.82M · 96.3%
Lending Club Corporation$37.91M · 3.7%
Product / service
$431.80M totalFinancial Service$372.81M · 86.3%
Servicing Fees$58.99M · 13.7%
Peer comparison
Same SIC group: Personal Credit Institutions
Comparing LendingClub Corp against the 5 most active filers in the same SIC group.