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

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Professional services

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Year over year growth in Revenue and Operating Expenses.

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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.

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Cost of revenue

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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.

Upstart Holdings

In recent months, both fintechs have seen their stocks plummet in value.

Better Buy: Upstart Holdings vs. LendingClub

Being a "'platform" sounds well and good, but it's hard for fintechs involved in lending to escape the economics of banks.

Upstart Investors Are Learning a Lesson LendingClub Investors Learned Years Ago

This stock is down 74% from its peak price in November 2021.

How This Fintech Plans to Profit From Higher Interest Rates

Tradeweb Markets

The market sell-off in 2022 has created excellent buying opportunities for investors in these two financial specialists.

2 Fintech Stocks You Can Buy Today

More Americans are feeling financially strained, as prices for basic necessities keep climbing.

Two-thirds of Americans live paycheck to paycheck as inflation continues to climb

Affirm

SoFi Technologies

Fintech stocks are taking a hit after Upstart's recent quarterly performance disappointed investors.

Why Shares of Affirm, SoFi, and LendingClub Are Down Today

As Rising Inflation Makes Paying Bills and Building Savings Increasingly Difficult, More Consumers of All Income Brackets Join Their Ranks Paycheck-to-Paycheck Consumers are Three Times More Likely to Revolve Credit Card Debt and Carry Higher Monthly Balances SAN FRANCISCO , May 2, 2022 /PRNewswire/ -- LendingClub Corporation (NYSE: LC), the parent company of LendingClub Bank, America's leading digital marketplace bank, today released findings from its ninth edition of the Reality Check: Paycheck-To-Paycheck research series, conducted in partnership with PYMNTS.com. The Credit Edition examines the growing shares of U.S. consumers in all economic brackets living paycheck to paycheck, and the impact on their ability to access credit and other expense management tools.

2/3 of the U.S. Population Now Lives Paycheck to Paycheck

Like many fintech stocks, LendingClub has struggled this year.

Down 35% This Year, This Fintech Stock Is a Buy

It may be hard to believe, given the massive downturn the markets took on Friday, but there were some positive performers in the CE100™ Index. A couple of firms even managed to log gains for the week, but not enough to help the overall Index break its seemingly unshakeable downturn.

LendingClub, Meta Rallies Unable to Reverse CE100™ Slide

Customers Bancorp

Solid earnings reports drove these stocks higher, but economic uncertainty remains.

Why Upstart, LendingClub, and Customers Bancorp Are Rising Today

In further evidence of its journey to become a direct-to-consumer digital bank, LendingClub's latest results showed significant growth in deposits, in loan originations, and in activity across its core marketplace. The company, of course, closed its acquisition of Radius Bancorp last year.

LendingClub Deposits Grow 68% in Wake of Radius Bancorp Acquisition

LendingClub Corporation (NYSE:LC ) Q1 2022 Earnings Conference Call April 27, 2022 5:00 PM ET Company Participants Sameer Gokhale - Head, Investor Relations Scott Sanborn - Chief Executive Officer Tom Casey - Chief Financial Officer Conference Call Participants David Chiaverini - Wedbush Securities Giuliano Bologna - Compass Point Bill Ryan - The Seaport Research Partners John Rowan - Janney Stephen Kwok - KBW Operator Good afternoon. Thank you for attending today's LendingClub First Quarter 2022 Earnings Conference Call.

LendingClub Corporation's (LC) CEO Scott Sanborn on Q1 2022 Results - Earnings Call Transcript

LendingClub (LC) delivered earnings and revenue surprises of 56% and 10.40%, respectively, for the quarter ended March 2022. Do the numbers hold clues to what lies ahead for the stock?

LendingClub (LC) Tops Q1 Earnings and Revenue Estimates

LendingClub Corp. LC, -0.65% shares rose more than 20% in the extended session Wednesday after the lending and banking company swung to a first-quarter profit. LendingClub said it earned $40.8 million, or 39 cents a share, in the quarter, reversing a loss of $47.1 million, or 49 cents a share, in the year-ago quarter.

LendingClub stock rallies more than 20% after Q1 profit

Delivers Record Revenue and Net Income  Revenue More than Doubles and Net Income Increases Over $85 million Year-over-Year Raises 2022 Outlook SAN FRANCISCO, April 27, 2022 /PRNewswire/ -- LendingClub Corporation (NYSE: LC), the parent company of LendingClub Bank, America's leading digital marketplace bank, today announced financial results for the first quarter ended March 31, 2022 "We grew our member base beyond four million to serve more everyday Americans who are looking to refinance out of higher cost credit card debt, save more of what they earn and find a better way to bank," said Scott Sanborn, LendingClub's CEO. "With another quarter of record results, we are clearly demonstrating the power of our loyal customers, significant data advantage and differentiated marketplace bank model.

LendingClub Reports First Quarter 2022 Results

Growth stocks are out of favor. Value stocks are out of favor. So what will the market be like? Stocks growing revenue and EPS while also trading at depressed valuations. LendingClub has guided to over 35% revenue growth and 700% growth in net income for 2022. The stock is trading at ~10x 2021 EPS estimates.

LendingClub: Combining Growth And Value Which Is A Sneaky Good Play For Inflationary Environment

AUSTIN, Texas--(BUSINESS WIRE)--ZenBusiness, the only one-stop guided platform to help entrepreneurs launch, run, and grow a successful business, today announced the addition of financial services and technology leader Sameer Gulati as President of Fintech. Gulati joins at a time when the company is experiencing explosive growth, adding roughly 15,000 new customers a month and after helping more than 250,000 entrepreneurs form their businesses since the onset of the pandemic. Gulati will overse

ZenBusiness Names Industry Veteran Sameer Gulati President of Fintech

SAN FRANCISCO , April 6, 2022 /PRNewswire/ -- LendingClub Corporation (NYSE: LC), the parent company of LendingClub Bank, America's leading digital marketplace bank, announced that it will report earnings for the first quarter 2022 on Wednesday, April 27, 2022, after-market hours. LendingClub will host a conference call to discuss the first quarter 2022 financial results at 2:00 p.m.

LendingClub Schedules First Quarter 2022 Earnings Release and Conference Call

Recession fears spurred investors to sell LendingClub, which also said it wasn't getting into cryptocurrency anytime soon.

Why LendingClub Fell 15.1% in March

50% of Americans Who Earn More than $100,000 a Year Now Live Paycheck to Paycheck 67% of Americans Living in Cities Live Paycheck to Paycheck SAN FRANCISCO , April 4, 2022 /PRNewswire/ -- LendingClub Corporation (NYSE: LC), the parent company of LendingClub Bank, America's leading digital marketplace bank, today released findings from the eighth edition of the Reality Check: Paycheck-To-Paycheck research series, conducted in partnership with PYMNTS.com. The Regional Divide Edition examines the growing shares of consumers living paycheck to paycheck in urban, suburban, and rural areas of the U.S. and the impact on their ability to both build savings and afford emergency expenses.

Half the Share of the Wealthiest Americans Now Live Paycheck to Paycheck

LendingClub says it has helped over 4 million members since 2007, a press release said, hitting this mark just a year after becoming a bank holding company. The company defines members as “individuals who have obtained a personal loan, auto refinance loan, patient and education finance loan, or consumer deposit account.

LendingClub Says It Has Exceeded 4 Million Members

One Year After Becoming a Bank, LendingClub Helps More People Keep More of What They Earn SAN FRANCISCO, March 30, 2022 /PRNewswire/ -- LendingClub Corporation (NYSE: LC), the parent company of LendingClub Bank, America's leading digital marketplace bank, today announced it has helped more than 4 million members since 2007 on their paths to financial health. The company reached this milestone just a little more than one year after becoming a bank holding company operating a national bank.

LendingClub Surpasses 4 Million Members

LendingClub has fallen back to mid-2021 levels despite boosting expectations dramatically in the last year.

LendingClub: Big Upside Ahead

SAN FRANCISCO, March 3, 2022 /PRNewswire/ -- LendingClub Corporation (NYSE: LC), the parent company of LendingClub Bank, America's leading digital marketplace bank, today released findings from its seventh edition of the Reality Check: Paycheck-To-Paycheck research series, conducted in partnership with PYMNTS.com. The Wealth Divide Edition examines why consumers across different income brackets are living paycheck to paycheck and what they see as the most prominent stressors on their finances.

48 Percent of Americans with Annual Incomes over $100,000 Live Paycheck to Paycheck, 9 percentage points higher than first reported in June 2021

SAN FRANCISCO, Feb. 25, 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, will participate in KBW's Fintech & Payments Conference on March 1, 2022 at 8:45 a.m. Eastern Time.

News for LendingClub Stock (LC)