What is LendingClub Corporation's earnings per share (EPS)?

LendingClub Corporation (LC) reported diluted earnings per share of $1.16 for fiscal year 2025. This represents a 157.8% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

LendingClub Corporation (LC) Financials

Trailing 12 months to March 31, 2026

Revenue $1.0B +25.4% YoY

Net Income $175.6M +246.3% YoY

EPS (Diluted) $1.16 FY2025 annual

Free Cash Flow -$3.2B -44.8% YoY

Source SEC Filings (10-K/10-Q) Latest period Q1 FY2026, ended Mar 31, 2026 Reported Apr 30, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q1 FY2026, filed Apr 30, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the LC SEC filings page.

LendingClub Corporation (LC) reported $1.0B in revenue over the twelve months to Mar 31, 2026, up 25.4% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI LC FY2025 2026-08-29

LendingClub’s dominant mechanic is a liability-funded, asset-heavy balance sheet that absorbs cash despite FY2025 profit improvement.

Net income climbed to $136M in FY2025 from $51M in FY2024, yet operating cash flow remained negative. Free cash flow was -$2.87B as assets reached $11.6B, indicating that reported earnings were not funding the balance-sheet expansion.

FY2025 revenue was $999M against $11.6B of assets, making the business balance-sheet intensive rather than primarily revenue-scaled. Its return on assets was 1.2%, showing that profit remains modest relative to the asset base.

Liabilities reached $10.1B versus $1.50B of equity in FY2025, leaving the company predominantly financed by obligations. The reported 0.0x debt-to-equity ratio therefore does not capture the full liability structure shown in the statements.

Financial Health Signals

Financial Health Score 38/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of LendingClub Corporation's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

LendingClub Corporation earned a return on assets of 1.2% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.5% the prior year. Earnings ranks banks on that return over three years, and LendingClub Corporation scores 45/100 among other banks.

Growth

LendingClub Corporation reported revenue of $998.8M in fiscal year 2025, against $787.0M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and LendingClub Corporation scores 48/100 among other banks.

Capital

LendingClub Corporation funded 13.0% of its assets with shareholders' equity at the end of fiscal year 2025, holding $1.5B of equity against $11.6B of assets. Capital ranks banks on that cushion, and LendingClub Corporation scores 67/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. LendingClub Corporation scores 46/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. LendingClub Corporation scores 3/100 on it among other banks.

Stability

LendingClub Corporation reported net income of $135.7M in fiscal year 2025, against $51.3M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and LendingClub Corporation scores 21/100 among other banks.

Piotroski F-Score Partial

3/7

LendingClub Corporation passes 3 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality No Cash Backing

N/A

LendingClub Corporation reported $135.7M of net income while operations used $2.7B of cash. The ratio between the two is outside the range this page publishes as a per-dollar figure, so both figures are given instead.

Key Financial Metrics

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Earnings & Revenue

Revenue

$252.3M

YoY+15.9%

QoQ-5.3%

5Y CAGR+19.0%

10Y CAGR+5.2%

LendingClub Corporation generated $252.3M in revenue in Q1 2026. This represents an increase of 15.9% from the same quarter a year earlier. Against the prior quarter it is down 5.3%.

Net Income

$51.6M

YoY+342.1%

QoQ+24.1%

LendingClub Corporation reported $51.6M in net income in Q1 2026. This represents an increase of 342.1% from the same quarter a year earlier. Against the prior quarter it is up 24.1%.

EPS (Diluted)

$0.44

YoY+340.0%

LendingClub Corporation earned $0.44 per diluted share (EPS) in Q1 2026. This represents an increase of 340.0% from the same quarter a year earlier.

EBITDA

Not reported for Q1 2026.

Cash & Balance Sheet

Free Cash Flow

-$644.8M

YoY-83.0%

QoQ+29.9%

LendingClub Corporation recorded an outflow of $644.8M in free cash flow in Q1 2026, representing a cash shortfall after capex. This represents a decrease of 83.0% from the same quarter a year earlier. Against the prior quarter it is up 29.9%.

Cash & Debt

$821.9M

YoY-10.7%

QoQ-11.7%

5Y CAGR-3.3%

10Y CAGR+3.5%

LendingClub Corporation held $821.9M in cash against $0 in long-term debt as of Q1 2026.

Shares Outstanding

115M

YoY+1.0%

QoQ+0.1%

5Y CAGR+3.5%

10Y CAGR-11.3%

LendingClub Corporation had 115M shares outstanding in Q1 2026. This represents an increase of 1.0% from the same quarter a year earlier. Against the prior quarter it is up 0.1%.

Dividends Per Share

Not reported for Q1 2026.

Margins & Returns

Net Margin

20.5%

YoY+15.1pp

QoQ+4.9pp

LendingClub Corporation's net profit margin was 20.5% in Q1 2026, showing the share of revenue converted to profit. This is up 15.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 4.9 percentage points.

Return on Equity

3.4%

YoY+2.5pp

QoQ+0.6pp

LendingClub Corporation's ROE was 3.4% in Q1 2026, measuring profit generated per dollar of shareholder equity. This is up 2.5 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.6 percentage points.

Gross Margin

Not reported for Q1 2026.

Operating Margin

Not reported for Q1 2026.

Capital Allocation

Share Buybacks

$12.6M

LendingClub Corporation spent $12.6M on share buybacks in Q1 2026, returning capital to shareholders by reducing shares outstanding.

Capital Expenditures

$25.8M

YoY+97.3%

QoQ+65.5%

5Y CAGR+32.3%

10Y CAGR+9.4%

LendingClub Corporation invested $25.8M in capex in Q1 2026, funding long-term assets and infrastructure. This represents an increase of 97.3% from the same quarter a year earlier. Against the prior quarter it is up 65.5%.

R&D Spending

Not reported for Q1 2026.

LC Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

LC quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Revenue	$1.0B	$998.8M+26.9%	$787.0M-9.0%	$864.6M-27.2%	$1.2B+45.0%	$818.6M+157.4%	$318.1M-58.1%	$758.6M+9.2%	$694.8M+20.9%	$574.5M+14.7%	$500.8M+16.5%	$429.9M+103.6%	$211.1M+115.4%	$98.0M+520.4%	$15.8M+145.1%	$6.4M
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	$139.1M-17.4%	$168.4M+8.5%	$155.3M+9.1%	$142.3M+23.3%	$115.4M+49.7%	$77.1M+100.1%	$38.5M+148.1%	$15.5M	N/A	N/A
SG&A Expenses	$249.0M	$241.8M+4.2%	$232.2M-11.4%	$261.9M-22.8%	$339.4M+17.7%	$288.4M+35.4%	$213.0M-10.6%	$238.3M+4.2%	$228.6M+19.3%	$191.7M-7.5%	$207.2M+69.6%	$122.2M+50.6%	$81.1M+135.6%	$34.4M+242.0%	$10.1M+155.7%	$3.9M
Interest Expense	$338.7M	$335.9M-10.2%	$373.9M+38.1%	$270.8M+228.2%	$82.5M+3.1%	$80.0M-46.8%	$150.4M-39.2%	$247.3M-35.9%	$385.6M-32.5%	$571.4M-17.0%	$688.4M+25.2%	$549.7M+54.2%	$356.6M+90.2%	$187.4M+485.2%	$32.0M+151.9%	$12.7M
Income Tax	$53.0M	$41.3M+200.4%	$13.7M-12.4%	$15.7M+111.5%	-$136.6M-100376.5%	-$136K-72.2%	-$79K+60.7%	-$201K-567.4%	$43K-93.2%	$632K+114.9%	-$4.2M-249.2%	$2.8M+103.8%	$1.4M	$0	N/A	N/A
Net Income	$175.6M	$135.7M+164.5%	$51.3M+31.9%	$38.9M-86.6%	$289.7M+1457.5%	$18.6M+109.9%	-$187.5M-510.0%	-$30.7M+76.0%	-$128.3M+16.6%	-$153.8M-5.4%	-$146.0M-2822.3%	-$5.0M+84.8%	-$32.9M-550.1%	$7.3M+161.2%	-$11.9M0.0%	-$11.9M
EPS (Basic)	N/A	$1.18+156.5%	$0.46+27.8%	$0.36-87.1%	$2.80	N/A	N/A	-$0.35+77.0%	-$1.52+19.1%	-$1.88-394.7%	-$0.38-3700.0%	-$0.01+97.7%	-$0.44	$0.00+100.0%	-$1.36	N/A
EPS (Diluted)	—	$1.16+157.8%	$0.45+25.0%	$0.36-87.1%	$2.79+1450.0%	$0.18	N/A	-$0.35+77.0%	-$1.52	-$1.88	-$0.38-3700.0%	-$0.01	-$0.44	$0.00+100.0%	-$1.36	N/A
Diluted Shares (Avg)	N/A	117M+3.6%	113M+4.3%	108M+4.3%	104M+1.8%	102M	N/A	87M+3.2%	85M	82M	388M+3.4%	375M	76M-7.2%	81M+827.3%	9M	N/A

Metric	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q	Q2'2410-Q
Revenue	$252.3M+15.9%	$266.5M+22.7%	$266.2M+31.9%	$248.4M+32.7%	$217.7M+20.5%	$217.2M+17.0%	$201.9M+0.5%	$187.2M-19.5%
SG&A Expenses	$65.5M+12.2%	$60.6M+3.4%	$60.8M+6.0%	$62.0M+9.6%	$58.4M-2.0%	$58.7M+0.1%	$57.4M-1.9%	$56.5M-21.0%
Interest Expense	$85.0M+3.5%	$87.6M-10.8%	$83.4M-16.8%	$82.8M-9.1%	$82.1M-2.8%	$98.2M+27.8%	$100.1M+42.2%	$91.1M+34.3%
Income Tax	$15.7M+290.8%	$8.5M+510.6%	$13.0M+265.1%	$15.8M+249.8%	$4.0M-5.9%	$1.4M-60.7%	$3.6M+6.7%	$4.5M-3.6%
Net Income	$51.6M+342.1%	$41.6M+329.1%	$44.3M+206.2%	$38.2M+156.2%	$11.7M-4.7%	$9.7M-4.2%	$14.5M+188.7%	$14.9M+47.4%
EPS (Basic)	$0.45+350.0%	N/A	$0.39+200.0%	$0.33+153.8%	$0.10-9.1%	N/A	$0.13+160.0%	$0.13+44.4%
EPS (Diluted)	$0.44+340.0%	N/A	$0.37+184.6%	$0.33+153.8%	$0.10-9.1%	N/A	$0.13+160.0%	$0.13+44.4%
Diluted Shares (Avg)	117M+1.0%	N/A	118M+3.7%	116M+3.8%	116M+5.0%	N/A	114M+4.4%	111M+3.3%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

LC Balance Sheet

LC quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Total Assets	$11.6B+8.8%	$10.6B+20.4%	$8.8B+10.6%	$8.0B+62.8%	$4.9B+163.0%	$1.9B-37.5%	$3.0B-21.9%	$3.8B-17.7%	$4.6B-16.6%	$5.6B-4.0%	$5.8B+48.9%	$3.9B+100.2%	$1.9B+381.8%	$403.3M+137.4%	$169.9M
Cash & Equivalents	$930.4M-4.8%	$977.4M-24.5%	$1.3B+15.1%	$1.1B+47.3%	$763.6M	$0-100.0%	$243.8M-34.6%	$373.0M-7.2%	$401.7M-22.1%	$515.6M-17.3%	$623.5M-28.3%	$869.8M+1664.3%	$49.3M+57.8%	$31.2M+134.3%	$13.3M
Goodwill	$75.7M0.0%	$75.7M0.0%	$75.7M0.0%	$75.7M0.0%	$75.7M	$0	$0	$0-100.0%	$35.6M0.0%	$35.6M-51.0%	$72.7M+0.1%	$72.6M	$0	N/A	N/A
Total Liabilities	$10.1B+8.4%	$9.3B+22.6%	$7.6B+11.2%	$6.8B+68.3%	$4.1B+255.5%	$1.1B-45.3%	$2.1B-29.4%	$2.9B-20.6%	$3.7B-19.0%	$4.6B-3.5%	$4.8B+62.9%	$2.9B+55.5%	$1.9B+411.0%	$367.0M+137.7%	$154.4M
Long-Term Debt	$0	$0-100.0%	$19.4M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$0	N/A	N/A
Total Equity	$1.5B+11.8%	$1.3B+7.2%	$1.3B+7.5%	$1.2B+36.9%	$850.2M+17.4%	$724.2M-19.6%	$900.2M+3.6%	$869.2M-5.8%	$922.5M-5.5%	$975.8M-6.3%	$1.0B+7.1%	$973.2M+1329.2%	$68.1M+87.4%	$36.3M+134.3%	$15.5M
Retained Earnings	-$201.8M+40.2%	-$337.5M+13.2%	-$388.8M+9.1%	-$427.7M+40.4%	-$717.4M+8.7%	-$786.2M-43.3%	-$548.5M-5.9%	-$517.7M-32.9%	-$389.4M-66.3%	-$234.2M-165.5%	-$88.2M-6.0%	-$83.2M-65.4%	-$50.3M+5.7%	-$53.4M-28.8%	-$41.5M

Metric	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q	Q2'2410-Q
Total Assets	$11.9B+13.9%	$11.6B+8.8%	$11.1B+0.3%	$10.8B+12.4%	$10.5B+13.4%	$10.6B+20.4%	$11.0B+30.3%	$9.6B+14.9%
Cash & Equivalents	$821.9M-10.7%	$930.4M-4.8%	$845.7M-19.5%	$774.3M-20.1%	$920.2M-16.5%	$977.4M-24.5%	$1.1B-22.2%	$969.5M-21.7%
Goodwill	$75.7M0.0%	$75.7M0.0%	$75.7M0.0%	$75.7M0.0%	$75.7M0.0%	$75.7M0.0%	$75.7M0.0%	$75.7M0.0%
Total Liabilities	$10.4B+14.2%	$10.1B+8.4%	$9.6B-0.9%	$9.4B+12.9%	$9.1B+14.3%	$9.3B+22.6%	$9.7B+33.5%	$8.3B+16.3%
Long-Term Debt	$0	$0	$0	$0	$0	$0-100.0%	N/A	N/A
Total Equity	$1.5B+11.7%	$1.5B+11.8%	$1.5B+8.9%	$1.4B+9.2%	$1.4B+7.8%	$1.3B+7.2%	$1.3B+11.1%	$1.3B+6.8%
Retained Earnings	-$150.2M+53.9%	-$201.8M+40.2%	-$243.4M+29.9%	-$287.6M+20.5%	-$325.8M+13.5%	-$337.5M+13.2%	-$347.2M+13.0%	-$361.7M+10.5%

Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities.

LC Cash Flow Statement

LC quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Operating Cash Flow	-$3.0B	-$2.7B-3.5%	-$2.6B-131.8%	-$1.1B-402.6%	$375.6M+56.6%	$239.9M-42.6%	$418.0M+254.5%	-$270.6M+57.7%	-$639.7M-11.6%	-$573.4M-105308.8%	$545K-99.3%	$74.7M+49.7%	$49.9M+4282.8%	$1.1M+110.3%	-$11.1M-16.6%	-$9.5M
Depreciation & Amortization	N/A	N/A	$58.8M+24.7%	$47.2M+7.7%	$43.8M-1.0%	$44.3M-18.0%	$54.0M-13.1%	$62.2M+13.5%	$54.8M+18.5%	$46.2M+54.6%	$29.9M+38.5%	$21.6M+110.4%	$10.3M+516.8%	$1.7M+1008.7%	$150K+90.5%	$79K
Stock-Based Compensation	N/A	$34.3M-14.4%	$40.1M-23.5%	$52.4M-21.1%	$66.4M-0.6%	$66.8M+8.5%	$61.5M-16.4%	$73.6M-1.9%	$75.1M+5.8%	$71.0M+2.5%	$69.2M+35.2%	$51.2M+37.9%	$37.1M+472.4%	$6.5M+883.3%	$660K+213.4%	$211K
Capital Expenditures	$153.1M	$140.3M+158.4%	$54.3M-8.7%	$59.5M-14.4%	$69.5M+101.9%	$34.4M+10.5%	$31.1M-38.5%	$50.7M-4.4%	$53.0M+18.7%	$44.6M-13.9%	$51.8M+31.6%	$39.4M+91.5%	$20.6M+97.1%	$10.4M+2624.5%	$383K+135.1%	$163K
Free Cash Flow	-$3.2B	-$2.9B-6.7%	-$2.7B-124.8%	-$1.2B-490.8%	$306.1M+49.0%	$205.5M-46.9%	$386.9M+220.4%	-$321.3M+53.6%	-$692.7M-12.1%	-$618.0M-1104.8%	-$51.3M-245.1%	$35.4M+20.5%	$29.3M+415.7%	-$9.3M+18.9%	-$11.5M-18.6%	-$9.7M
Investing Cash Flow	$1.7B	$1.9B+217.9%	$607.8M+17.6%	$516.7M+118.4%	-$2.8B-518.3%	-$454.4M-180.3%	$565.8M-13.5%	$653.8M-25.6%	$878.7M-12.0%	$998.6M+406.4%	-$325.9M+86.5%	-$2.4B-91.5%	-$1.3B-12.2%	-$1.1B-412.2%	-$218.8M-116.9%	-$100.9M
Financing Cash Flow	$1.2B	$747.8M-56.3%	$1.7B+116.5%	$789.6M-71.8%	$2.8B+699.4%	$349.6M+141.5%	-$842.4M-56.0%	-$540.1M-125.8%	-$239.2M+49.6%	-$474.3M-250.8%	$314.5M-84.9%	$2.1B+2.9%	$2.0B+81.7%	$1.1B+350.5%	$247.8M+104.5%	$121.2M
Dividends Paid	N/A	N/A	N/A	N/A	$0	$0-100.0%	$50.2M	$0	$0	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$0	$0	$0-100.0%	$19.5M	$0	$0	N/A	N/A	N/A

Metric	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q	Q2'2410-Q
Operating Cash Flow	-$619.0M-82.5%	-$903.8M-387.5%	-$770.8M-15.1%	-$713.1M+23.5%	-$339.3M+59.9%	-$185.4M+77.2%	-$669.8M-94.2%	-$932.5M-920.7%
Depreciation & Amortization	$15.1M+8.6%	N/A	N/A	N/A	$13.9M+9.8%	N/A	N/A	N/A
Stock-Based Compensation	$7.6M-11.1%	N/A	$8.5M-10.9%	$9.1M-4.1%	$8.5M-26.2%	N/A	$9.5M-33.8%	$9.4M-40.3%
Capital Expenditures	$25.8M+97.3%	$15.6M-9.5%	$21.0M+68.9%	$90.7M+605.0%	$13.1M+10.9%	$17.2M+52.8%	$12.4M-22.2%	$12.9M-18.9%
Free Cash Flow	-$644.8M-83.0%	-$919.3M-353.8%	-$791.8M-16.1%	-$803.8M+15.0%	-$352.3M+59.0%	-$202.6M+75.5%	-$682.3M-89.0%	-$945.3M-781.7%
Investing Cash Flow	$182.5M-59.5%	$548.8M+10.2%	$595.9M+200.3%	$337.0M-30.8%	$450.5M+107.7%	$498.1M+11.0%	-$594.1M-282.4%	$487.0M+520.2%
Financing Cash Flow	$327.9M+294.8%	$439.7M+214.0%	$246.3M-81.7%	$230.1M-26.4%	-$168.4M-138.4%	-$385.6M-224.4%	$1.3B+929.1%	$312.6M+172.2%
Share Buybacks	$12.6M	N/A	N/A	N/A	$0	N/A	N/A	N/A

Not reported in any period shown, so not listed: Dividends Paid.

LC Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

LC quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Net Margin	13.6%+7.1pp	6.5%+2.0pp	4.5%-19.9pp	24.4%+22.1pp	2.3%+61.2pp	-59.0%-54.9pp	-4.0%+14.4pp	-18.5%+8.3pp	-26.8%+2.4pp	-29.1%-28.0pp	-1.2%+14.4pp	-15.6%-23.0pp	7.5%+83.1pp	-75.6%	-185.3%
Return on Equity	9.0%+5.2pp	3.8%+0.7pp	3.1%-21.8pp	24.9%+22.7pp	2.2%+28.1pp	-25.9%-22.5pp	-3.4%+11.3pp	-14.8%+1.9pp	-16.7%-1.7pp	-15.0%-14.5pp	-0.5%+2.9pp	-3.4%-14.1pp	10.7%+43.6pp	-32.9%+44.1pp	-77.0%
Return on Assets	1.2%+0.7pp	0.5%0.0pp	0.4%-3.2pp	3.6%+3.3pp	0.4%+10.4pp	-10.1%-9.0pp	-1.0%+2.3pp	-3.4%-0.1pp	-3.3%-0.7pp	-2.6%-2.5pp	-0.1%+0.8pp	-0.9%-1.2pp	0.4%+3.3pp	-3.0%+4.1pp	-7.0%
Debt-to-Equity	0.000.0x	0.000.0x	0.02-5.8x	5.85+1.1x	4.76+3.2x	1.57-0.7x	2.31-1.1x	3.39-0.6x	4.03-0.7x	4.70+0.1x	4.56+1.6x	3.00+3.0x	0.00-10.1x	10.10+0.1x	9.95
Asset Turnover	0.090.0x	0.070.0x	0.10-0.1x	0.150.0x	0.170.0x	0.17-0.1x	0.25+0.1x	0.18+0.1x	0.120.0x	0.090.0x	0.070.0x	0.050.0x	0.050.0x	0.040.0x	0.04
FCF Margin	-287.1%	-341.6%	-138.3%	25.8%+0.7pp	25.1%	121.6%	-42.4%+57.3pp	-99.7%	-107.6%	-10.2%-18.5pp	8.2%-5.7pp	13.9%+23.4pp	-9.5%+63.1pp	-72.6%	-150.0%

Metric	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q	Q2'2410-Q
Net Margin	20.5%+15.1pp	15.6%+11.1pp	16.6%+9.5pp	15.4%+7.4pp	5.4%-1.4pp	4.5%-1.0pp	7.2%+4.7pp	8.0%+3.6pp
Return on Equity	3.4%+2.5pp	2.8%+2.0pp	3.0%+1.9pp	2.7%+1.6pp	0.9%-0.1pp	0.7%-0.1pp	1.1%+0.7pp	1.2%+0.3pp
Return on Assets	0.4%+0.3pp	0.4%+0.3pp	0.4%+0.3pp	0.4%+0.2pp	0.1%0.0pp	0.1%0.0pp	0.1%+0.1pp	0.2%0.0pp
Debt-to-Equity	0.000.0x	0.000.0x	0.00-7.2x	0.00-6.4x	0.00-6.3x	0.000.0x	7.22+1.2x	6.44+0.5x
Asset Turnover	0.020.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x
FCF Margin	-255.6%	-345.0%	-297.4%	-323.5%	-161.8%	-93.3%	-338.0%	-504.9%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
LendingClub Corporation LC	FY2025	$998.8M	$135.7M	13.6%	$2.2B	38/100
Veritex Holdings, Inc. VBTX	FY2024	$425.6M	$107.2M	25.2%	$1.7B	48/100
First Commonwealth Financial Corporation FCF	FY2025	$522.9M	$152.3M	29.1%	$2.1B	63/100
OFG BANCORP OFG	FY2025	$731.4M	$205.1M	28.0%	$2.2B	56/100
Pathward Financial, Inc. CASH	FY2025	$839.9M	$185.9M	22.1%	$1.6B	55/100
Northwest Bancshares, Inc NWBI	FY2025	$654.7M	$126.0M	19.3%	$2.3B	48/100

Where LendingClub Corporation Ranks

Frequently Asked Questions

What is LendingClub Corporation's annual revenue?

LendingClub Corporation (LC) reported $998.8M in total revenue for fiscal year 2025. This represents a 26.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is LendingClub Corporation's revenue growing?

LendingClub Corporation (LC) revenue grew by 26.9% year-over-year, from $787.0M to $998.8M in fiscal year 2025.

Is LendingClub Corporation profitable?

Yes, LendingClub Corporation (LC) reported a net income of $135.7M in fiscal year 2025, with a net profit margin of 13.6%.

How much debt does LendingClub Corporation have?

As of fiscal year 2025, LendingClub Corporation (LC) had $930.4M in cash and equivalents against $0 in long-term debt.

What is LendingClub Corporation's net profit margin?

LendingClub Corporation (LC) had a net profit margin of 13.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is LendingClub Corporation's return on equity (ROE)?

LendingClub Corporation (LC) has a return on equity of 9.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is LendingClub Corporation's free cash flow?

LendingClub Corporation (LC) recorded an outflow of $2.9B in free cash flow during fiscal year 2025. This represents a -6.7% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is LendingClub Corporation's operating cash flow?

LendingClub Corporation (LC) recorded an outflow of $2.7B in operating cash flow during fiscal year 2025, representing cash used by core business activities.

What are LendingClub Corporation's total assets?

LendingClub Corporation (LC) had $11.6B in total assets as of fiscal year 2025, including both current and long-term assets.

What are LendingClub Corporation's capital expenditures?

LendingClub Corporation (LC) invested $140.3M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does LendingClub Corporation have outstanding?

LendingClub Corporation (LC) had 115M shares outstanding as of fiscal year 2025.

What is LendingClub Corporation's debt-to-equity ratio?

LendingClub Corporation (LC) had a debt-to-equity ratio of 0.00 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is LendingClub Corporation's return on assets (ROA)?

LendingClub Corporation (LC) had a return on assets of 1.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is LendingClub Corporation's Piotroski F-Score?

LendingClub Corporation (LC) has a Piotroski F-Score of 3 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are LendingClub Corporation's earnings high quality?

LendingClub Corporation (LC) reported $135.7M of net income while operations used $2.7B of cash. The ratio between the two is outside the range this page publishes as a per-dollar figure, so both figures are given instead. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is LendingClub Corporation?

LendingClub Corporation (LC) scores 38 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.