Revenue segments as reported by the company.

Marketplace revenue

Other non-interest income

Net interest income

Revenue Segments

Gross Profit, Operating Income, and Net Income as a percentage of Revenue

Operating Margin

Profit Margin

Margins

An operating expense is an expense a business incurs through its normal business operations. Often abbreviated as OPEX.

Provision for credit losses

Compensation and benefits

Marketing

Equipment and software

Occupancy

Depreciation and amortization

Professional services

Other non-interest expense

Operating Expenses

Year over year growth in Revenue and Operating Expenses.

Revenue Y/Y

OpEx Y/Y

Growth

Shares outstanding refer to a company's stock currently held by all its shareholders, including share blocks held by institutional investors and restricted shares owned by the company's officers and insiders.

Outstanding Shares

Market Cap

Also known as Price/Sales Ratio. Calculated using Average market cap for the quarter / Annualized quarterly revenue.

Revenue Multiple

LendingClub

LendingClub Corp. operates as an online marketplace that facilitates loans to borrowers and investments. Its products include unsecured personal, secured auto refinance, patient, and education finance loans. The company was founded by Renaud Laplanche and Soulaiman Htite in 2006 and is headquartered in San Francisco, CA.

Earnings data Q1 2021

Earnings data Q2 2021

Earnings data Q3 2021

Earnings data Q4 2021

Earnings data Q1 2022

Earnings data Q2 2022

Earnings data Q3 2022

Earnings data Q4 2022

Earnings data Q1 2023

Earnings data Q2 2023

Earnings data Q3 2023

Earnings data Q4 2023

Earnings data Q1 2024

Earnings data Q2 2024

Earnings data Q3 2024

Earnings data Q4 2024

LendingClub reports solid Q4 earnings, focuses on credit quality

LendingClub's Q4 2022 performance met guidance, with a focus on credit quality and profitability.
The company is reducing expenses and transitioning its revenue model for resilience.
Challenges include impact of higher interest rates on loan originations and less attractive segments.
Opportunities lie in offering more value to customers and growing SBA Government Guaranteed Lending.

LendingClub reports strong Q1 performance amidst marketplace challenges

LendingClub's Q1 2023 Earnings Call showcased strong financial performance and effective liquidity management.
Challenges in marketplace revenue and fee income economics were addressed, along with workforce reduction savings.
Opportunities for growth were highlighted in potential marketplace recovery conditions and rapid growth potential.

LendingClub exceeds revenue expectations, focuses on profitability amidst challenges

LendingClub navigated challenges in Q2 2023 with a focus on profitability over growth, addressing delinquencies and marketplace headwinds.
Strong capital levels and strategic initiatives like the structured loan certificate program position the company well for future growth.
Anticipated marketplace recovery challenges and pricing pressures highlight the need for disciplined financial management and strategic decision-making.

LendingClub reports strong Q3 results, eyes credit market expansion

LendingClub's Q3 performance reflects solid financial metrics, strategic focus on prime originations, and innovative member engagement initiatives.
While facing challenges in the investor marketplace and limitations on share buybacks, the company is exploring opportunities for growth and diversification.
With enhanced returns in credit offerings, new partnerships, and a vision beyond lending, LendingClub is positioning itself for future success and market leadership.

LendingClub reports revenue growth, eyes product expansion and efficiency

LendingClub shows strong performance with revenue and income growth
Facing challenges with net interest margin and expense management
Opportunities lie in expanding product offerings and capital deployment
Overall, a focus on resilience, growth, and operational efficiency

LendingClub maintains stability and profitability, eyes growth opportunities ahead

LendingClub's Q1 performance showcased stability in originations and strong revenue generation. The company's focus on credit leadership and profitability highlights its resilience in the market.
While facing challenges such as rising expenses and competitive pressures, LendingClub is strategically positioned to leverage opportunities for growth through capital deployment and member-focused initiatives.

LendingClub excels in Q2, plans for growth and innovation

LendingClub's strong performance in Q2 showcases growth in originations, revenue, and net income. The company's focus on credit stewardship, mobile app engagement, and new product offerings positions it well for future success. Challenges lie in maintaining competitive pricing, optimizing funding, and managing delinquency rates.

LendingClub excels in Q3, eyes growth through innovation and acquisitions

LendingClub's strong performance, strategic acquisitions, and focus on customer engagement position the company for future growth and value creation.
While facing challenges such as expense management and maintaining credit performance, the company remains optimistic about its prospects and market opportunities.
By leveraging marketplace demand, innovative products, and a clear growth strategy, LendingClub aims to drive revenue, enhance shareholder value, and sustain its competitive edge.

Revenue

Cost of revenue

Gross profit

Operating expenses

SG&A

Other

Operating income

EBITDA

Net income

Earnings per share

Total assets

Current assets

Cash & equivalents

Receivables

Inventory

Non-current assets

Net PPE

Intangibles

Total liabilities

Current liabilities

Short term debt

Income tax payable

Non-current liabilities

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Total equity

Stockholders equity

Minority interest

Total liabilities & equity

Total debt

Net debt

Book value per share

Cash from operations

Funds from operations

Change in working capital

Cash from investing

Capital expenditure

Purchase/sale of investments

Purchase/sale of business

Other sources

Cash from financing

Change in stock

Change in debt

Cash dividends paid

Cash from other sources

Net change in cash

Free cash flow

LendingClub Corp. engages in the operations of digital marketplace bank. It operates through the LendingClub Bank and LendingClub Corporation (Parent Only) segments. The LendingClub Bank segment involves the provision of full complement of financial products and solutions, loans, leases, and deposits. The LendingClub Corporation (Parent Only) segment includes the holding company legal entity. The company was founded by Renaud Laplanche and Soulaiman Htite in 2006 and is headquartered in San Francisco, CA.

LendingTree

There could be huge upside potential for LendingTree and LendingClub and it may be time to look at these stocks while they are near multi-year lows.

Time to Buy These 2 Financial Lending Stocks?

CuriosityStream

Manitex

Root

Zynerba Pharmaceuticals

Want to try a different approach? Tap five stocks with increasing P/E ratios.

Rising P/E: An Overlooked Way to Pick 5 Winning Stocks

LC is a highly profitable FinTech and online digital bank. I believe a recession is likely in 2023.

LendingClub: Highly Profitable FinTech Bank

LendingClub (LC) has become technically an oversold stock now, which implies exhaustion of the heavy selling pressure on it. This, combined with strong agreement among Wall Street analysts in revising earnings estimates higher, indicates a potential trend reversal for the stock in the near term.

Down -11.51% in 4 Weeks, Here's Why You Should You Buy the Dip in LendingClub (LC)

NerdWallet

NerdWallet's Annual Awards That Help Consumers Make Smart Financial Decisions Recognizes LendingClub as One of The Top Personal Loans Products SAN FRANCISCO , Jan. 4, 2023 /PRNewswire/ -- LendingClub Bank, America's leading digital marketplace bank and a subsidiary of LendingClub Corporation (NYSE: LC), has been recognized by Nerdwallet as 2023's Best Personal Loan for Fair Credit. NerdWallet, Inc. (Nasdaq: NRDS), a platform that provides financial guidance to consumers and small and mid-sized businesses (SMBs), found in their recent survey that only 30% of Americans know where to find reputable information when they have questions about financial products and topics.

LendingClub Named Best Personal Loan for Fair Credit By NerdWallet's 2023 Best-Of Awards

Charter Communications

Micron Technology

Many stocks deserved their big declines in 2022, but even high-quality stocks sold off in the downturn. Buy them.

3 Top Bounce-Back Stocks for 2023

Affirm

Ally Financial

OneMain Hld

SoFi Technologies

Block

Upstart Holdings

After a rough year, there are plenty of tech stocks to sell. Unfortunately, investors now know that inflation is persistent.

7 Fintech and Tech Zombies to Sell Before 2023

This fintech stock has been hammered this year along with the broader sector.

1 Growth and Value Stock With 77% Upside in 2023, According to Wall Street

Half of Consumers Say Inflation Has Diminished Their Capacity to Reach Their Long-Term Financial Goals SAN FRANCISCO , Dec. 15, 2022 /PRNewswire/ --  LendingClub Corporation (NYSE: LC), the parent company of LendingClub Bank, America's leading digital marketplace bank, today released findings from the 17th edition of the Reality Check: Paycheck-To-Paycheck research series, conducted in partnership with PYMNTS. The Financial Goals Edition examines the motivations behind consumers' ability to save and plan for future large expenses as well as their long-term financial goals and expectations.

One-Third of Consumers Report They Are Not Currently Saving Any Money

Members Earn 15x1 the National Average on its High-Yield Savings Account at a current APY2 of 3.25% Reward Checking Members Could Save Over $180 Annually SAN FRANCISCO , Dec. 5, 2022 /PRNewswire/ -- LendingClub Corporation (NYSE: LC), the parent company of LendingClub Bank, America's leading digital marketplace bank, today announced competitive interest rates well above the national average on its High Yield Savings accounts – 3.25% APY – to help members meet their financial goals. In addition, with a LendingClub checking account, members can earn more while shopping this holiday season to grow and save more of their hard-earned paychecks.

LendingClub's Award-Winning Bank Products Offer Members More Ways to Save and Grow Their Money

LC has made a $1.05 billion acquisition of a personal loan portfolio that previously originated in its marketplace. Initially, I was concerned this could be another ominous sign that investors are pulling back.

LendingClub: Portfolio Acquisition Moves The Dial On 2023 Earnings

Seasoned, Quality Portfolio to Support Growth in Recurring Revenue SAN FRANCISCO , Dec. 2, 2022 /PRNewswire/ -- LendingClub Corporation (NYSE: LC) announced an agreement to acquire a $1.05 billion loan portfolio. The portfolio consists of personal loans that were originated through LendingClub's marketplace and will support its growing revenue stream of recurring net interest income.

LendingClub Acquires $1 Billion Personal Loan Portfolio

LendingClub is the world's largest provider of Peer to Peer Loans. The company reported strong financials in the third quarter of 2022, beating both revenue and earnings estimates.

LendingClub: Undervalued And Ready For A Financial Hurricane

I believe that the economy is on the precipice of a recession. Both SoFi and LC are in the unsecured personal lending space.

SoFi Vs. LendingClub: Which Is The Better FinTech To Hold In A Recession?

SAN FRANCISCO , Nov. 14, 2022 /PRNewswire/ -- LendingClub Corporation (NYSE: LC), the parent company of LendingClub Bank, America's leading digital marketplace bank, announced that its Chief Executive Officer Scott Sanborn and Chief Financial Officer Drew LaBenne will participate in a fireside chat at Citi's 2022 FinTech Conference on November 15 from 11:00 am – 11:35 am EST. Webcast information A live webcast of the Citi 2022 FinTech Conference fireside chat will be available at https://kvgo.com/citi/lendingclub-nov-2022.

LendingClub to Participate in Citi's 2022 FinTech Conference on November 15

Marqeta

Live by interest rates, die by the interest rates -- and vice versa.

Why Fintech Stocks Marqeta, Affirm, and LendingClub Are Ripping Higher Today

This fintech is growing earnings and could benefit from increasing consumer credit card balances.

This Fintech Is Down 78% From Its Peak -- Is Now Finally the Time to Buy?

SAN FRANCISCO , Oct. 31, 2022 /PRNewswire/ -- LendingClub Corporation (NYSE: LC), the parent company of LendingClub Bank, America's leading digital marketplace bank, has ranked No. 6 among Utah's Large Companies on the 2022 Utah Top Workplaces award list.

The Salt Lake Tribune Ranks LendingClub in Top 10 on Utah Top Workplaces 2022 Award List

The stock was hit hard this year, but the business is better positioned than ever before.

LendingClub: Investors Should Hold on a Little Longer

Lending Club lowered its next quarter guidance. Its Net Interest Margin compressed sharply this quarter.

Lending Club: Digging Underneath Its 'Depressing' Q3 Results

LendingClub (LC) delivered earnings and revenue surprises of 2.86% and 3.38%, respectively, for the quarter ended September 2022. Do the numbers hold clues to what lies ahead for the stock?

LendingClub (LC) Tops Q3 Earnings and Revenue Estimates

LendingClub Corporation (NYSE:LC ) Q3 2022 Earnings Conference Call October 26, 2022 5:00 PM ET Company Participants Sameer Gokhale - Head, Investor Relations Scott Sanborn - Chief Executive Officer Drew LaBenne - Chief Financial Officer Conference Call Participants David Chiaverini - Wedbush Bill Ryan - Seaport Research Partners Giuliano Bologna - Compass Point Michael Perito - KBW Vincent Caintic - Stephens Operator Thank you for the joining. I would like to welcome you all to the LendingClub Third Quarter 2022 Earnings Conference Call.

LendingClub Corporation (LC) Q3 2022 Earnings Call Transcript

Shares of LendingClub Corp. LC, -1.02% were falling more than 15% in after-hours trading Wednesday after the financial services and lending company topped expectations with the results from its latest quarter but delivered a downbeat outlook. The company posted net income of $43.2 million, or 41 cents a share, up from $27.2 million, or 26 cents a share, in the year-earlier period.

LendingClub stock sinks after earnings outlook comes up short

Revenue Increased 24% Year Over Year to $304.9 Million Diluted Earnings Per Share Increased 58% Year Over Year to $0.41 Total Assets Grew 43% Year Over Year to $6.8 Billion SAN FRANCISCO , Oct. 26, 2022  /PRNewswire/ -- LendingClub Corporation (NYSE: LC), the parent company of LendingClub Bank, America's leading digital marketplace bank, today announced financial results for the third quarter ended September 30, 2022. "We delivered solid results as we leaned into the strategic advantages of our digital bank in the face of a less favorable economic environment.

LendingClub Reports Third Quarter 2022 Results

Over the past 12 months, wages have increased by 4.9% while inflation rose by over 8.2% 81% of households have more than one breadwinner, yet 4 in 10 have only one significant household source of income 64% of consumers are very or extremely concerned about current and near-future economic conditions SAN FRANCISCO , Oct. 24, 2022 /PRNewswire/ -- LendingClub Corporation (NYSE: LC), the parent company of LendingClub Bank, America's leading digital marketplace bank, today released findings from the 15th edition of the Reality Check: Paycheck-To-Paycheck research series, conducted in partnership with PYMNTS.com. The Employment Edition provides an overview of consumers' employment characteristics, changes and expectations and how they affect their financial lifestyles.

News for LendingClub Stock (LC)