NYSE$LC

LendingClub Corporation · Q3 2025 earnings

Q3 2025 earnings · · After market close · Investor relations

Briefing

LendingClub reported Q3 2025, revenue of $198M, net income of $44.3M, diluted EPS of $0.10.

For Q3 2025, LendingClub reported revenue of $198M, net income of $44.3M, diluted EPS was $0.10. The filing discusses segment trends, liquidity, and management outlook for upcoming periods.

  • Revenue $198M.
  • Net income $44.3M.
  • Diluted EPS $0.10.

Headline financials

Total Revenue

$266M

Previous: $202M+31.9%
EPS (adj)

$0.10

Previous: $0.13-23.1%
Total loan originations

$2.62B

Previous: $1.91B+37.1%
Pre-provision net revenue

$104M

Previous: $65.5M+57.9%
Net interest margin

6.2%

Previous: 5.6%+9.8%
Efficiency ratio

61.0%

Previous: 68.0%-10.3%
Return on average equity

12.4%

Previous: 4.4%+181.8%
Return on tangible common equity

13.2%

Previous: 4.7%+180.9%
Return on average total assets

1.7%

Previous: 0.6%+183.3%
Marketing expense as a % of loan originations

1.6%

Previous: 1.4%+13.1%
Common equity Tier 1 capital ratio

18.0%

Previous: 15.9%+13.2%
Tier 1 leverage ratio

12.3%

Previous: 11.3%+8.8%
Book value per common share

$12.68

Previous: $11.95+6.1%
Tangible book value per common share

$11.95

Previous: $11.19+6.8%
Total deposits

$9.39B

Previous: $9.46B-0.8%
Capital Expenditures

-$125M

Previous: -$37.1M-236.5%
Net Income

$44.3M

Previous: $14.5M+206.2%
Operating Income

$57.2M

Previous: $95.6M-40.2%

Revenue & EPS history

LendingClub · Revenue · Quarterly

$266M

Q3 2025+31.9%vs Q3 2024
Beat estimate in 11 of 15 quarters(73%)
ActualEstimate

Revenue by segment

LendingClub · $60.9M total across 1 segment · Q3 2023

  • Marketplace revenue
    $60.9M

Forward guidance

The release discusses LendingClub's outlook, capital allocation, and key risks for upcoming quarters, including guidance ranges or operating priorities where disclosed.

Tailwinds

  • LendingClub cites demand and execution supporting the near-term outlook.
  • Liquidity and balance-sheet capacity support operations and shareholder returns.

Headwinds

  • Macro, input costs, and FX may pressure margins quarter to quarter.
  • Segment mix and one-time items can affect comparability versus prior periods.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q3 2025

Historical avgQ3 2025

+0.6%

Avg return

Earnings day

+3.3%

Avg return

5 days after

+1.9%

Avg return

30 days after

51%

23 / 45 earnings

Positive

+50.7%

Q2 2021

Best reaction

-42.3%

Q1 2016

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-1.8%-0.7%-0.9%
Q4 2025-16.2%-17.7%-23.8%
Q3 2025+9.7%+9.1%-1.3%
Q1 2025-11.3%-6.4%-8.9%
Q4 2024-14.3%-23.0%-24.0%
Q3 2024+11.5%+14.8%+34.9%
Q2 2024+12.4%-4.4%+8.9%
Q1 2024+15.2%+18.8%+13.3%
Q4 2023+0.2%+0.4%-9.9%
Q3 2023-5.8%-4.7%+5.5%
Q2 2023-20.6%-17.1%-32.5%
Q1 2023-0.6%+2.4%+13.7%
Q4 2022-10.4%+9.1%+6.5%
Q3 2022-10.5%-9.7%-10.4%
Q2 2022-2.6%-2.2%-2.9%
Q1 2022+17.9%+13.4%+13.0%
Q4 2021-26.1%-12.9%-12.9%
Q3 2021+21.2%+37.2%+2.8%
Q2 2021+50.7%+61.9%+80.3%
Q1 2021+6.9%+0.8%+2.1%
Q4 2020+14.6%+53.3%+41.4%
Q3 2020+3.7%+5.0%+65.1%
Q2 2020+5.2%+7.8%+5.4%
Q1 2020-17.5%-16.7%-13.7%
Q4 2019-1.4%-1.1%-28.2%
Q3 2019+7.4%+7.6%-7.1%
Q2 2019+9.4%+12.5%+0.4%
Q1 2019+7.7%+6.3%-11.9%
Q4 2018-5.3%-12.1%-15.7%
Q3 2018+5.7%-0.6%-9.2%
Q2 2018-7.1%-6.8%-8.1%
Q1 2018+24.5%+21.6%+28.6%
Q4 2017-1.3%-15.2%-8.4%
Q3 2017-21.5%-26.5%-38.6%
Q2 2017+23.8%+11.3%+17.9%
Q1 2017-4.8%-2.5%-7.3%
Q4 2016-5.8%-15.7%-17.8%
Q3 2016+12.3%+19.7%+14.2%
Q2 2016+0.8%+13.7%+13.9%
Q1 2016-42.3%
Q4 2015+8.1%
Q3 2015+1.3%
Q2 2015+0.4%
Q1 2015-1.0%
Q4 2014-13.7%
Q3 2014
Q2 2014
Q1 2014
Q4 2013
Q3 2013
Q2 2013
Q1 2013
Q4 2012

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