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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| LC | +24.19% | +25.39% | +4.62% | -86% |
| S&P | +13.95% | +78.35% | +12.25% | +241% |
LendingClub Corp. engages in an online marketplace that facilitates loans to borrowers and investments. It operates through the LendingClub Bank and LendingClub Corporation (Parent Only) segments. The LendingClub Bank segment offers a full complement of financial products and solutions, including loans, leases and deposits. It originates loans to individuals and businesses, retains loans for investment, sells loans to investors and manages relationships with deposit holders. The LendingClub Corporation (Parent Only) segment refers to the holding company legal entity. The company was founded by Renaud Laplanche and Soulaiman Htite in 2006 and is headquartered in San Francisco, CA.
The post-earnings sell-off seems like an overreaction.
LendingClub is a fintech company that specializes in refinancing credit card debt.
| Q4 2025 | YOY Change | |
|---|---|---|
| Revenue | $393.48M | 15.6% |
| Gross Profit | $289.28M | 30.0% |
| Gross Margin | 73.52% | 8.2% |
| Market Cap | $2.18B | 20.0% |
| Market Cap / Employee | $2.18M | 0.0% |
| Employees | 1K | 0.0% |
| Net Income | $41.55M | 327.5% |
| EBITDA | $128.93M | 18.7% |
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| Q4 2025 | YOY Change | |
|---|---|---|
| Net Cash | $930.44M | -4.8% |
| Inventory | 0 | 0.0% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $49.67M | 71.9% |
| Short Term Debt | $3.50M | 8.5% |
| Q4 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 1.22% | 0.7% |
| Return On Invested Capital | 3.54% | 1.2% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | -$791,826.00K | -16.1% |
| Operating Free Cash Flow | -$770,823.00K | -15.1% |
| Metric | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 23.21 | 18.77 | 17.09 | 16.40 | -53.94% |
| Price to Book | 0.87 | 1.01 | 1.24 | 1.49 | 10.21% |
| Price to Sales | 0.90 | 1.02 | 1.27 | 1.53 | 6.93% |
| Price to Tangible Book Value | 0.93 | 1.07 | 1.32 | 1.58 | 9.50% |
| Enterprise Value to EBITDA | 10.66 | 3.23 | 5.82 | 7.78 | 197.58% |
| Return on Equity | 3.9% | 5.5% | 7.4% | 9.5% | 141.20% |
| Total Debt | $28.50M | $77.23M | $84.00M | $53.17M | 65.51% |
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