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LendingClub

LendingClub (LC) Q4 2025 Earnings

Reported Jan 28, 2026 at 4:08 PM ET · SEC Source

Q4 25 EPS

$0.35

BEAT +4.14%

Est. $0.34

Q4 25 Revenue

$266.5M

BEAT +1.71%

Est. $262.0M

vs S&P Since Q4 25

+7.8%

BEATING MARKET

LC +15.2% vs S&P +7.5%

Full Year 2025 Results

FY 25 EPS

$1.16

FY 25 Revenue

$998.8M

Market Reaction

Did LC Beat Earnings? Q4 2025 Results

LendingClub closed out fiscal 2025 on a strong note, posting fourth-quarter earnings per share of $0.35 against a consensus estimate of $0.34, a beat of 4.14%, while revenue of $266.47 million edged past the $261.99 million estimate by 1.71%. Though … Read more LendingClub closed out fiscal 2025 on a strong note, posting fourth-quarter earnings per share of $0.35 against a consensus estimate of $0.34, a beat of 4.14%, while revenue of $266.47 million edged past the $261.99 million estimate by 1.71%. Though reported revenue declined 15.5% year over year, the headline comparison obscures a company in operational acceleration; loan originations surged 40% year over year to $2.59 billion, and net income of $41.55 million dwarfed the $9.72 million recorded in Q4 2024. The primary engine behind the profit expansion was a combination of stronger marketplace sales, improved loan sale pricing, and a net interest margin that widened to 5.98% from 5.42% a year ago as deposit funding costs eased. A sharp decline in the provision for credit losses, to $47.16 million from $63.24 million, further padded the bottom line. Despite some investor concern over rising marketing costs, management guided full-year 2026 diluted EPS of $1.65 to $1.80, signaling confidence in continued margin expansion and origination momentum heading into the new year.

Key Takeaways

  • • 40% year-over-year loan origination growth to $2.6 billion
  • • Net interest margin expansion to 5.98% from 5.42% driven by improved deposit funding costs
  • • Higher marketplace sales and loan sale pricing
  • • Strong credit performance with over 40% better performance vs. competitor set
  • • Provision for credit losses declined 25% year-over-year to $47.2 million
  • • Net charge-offs improved to $40.1 million from $46.0 million in prior year
24/7 Wall St

LC YoY Financials

Q4 2025 vs Q4 2024, source: SEC Filings

24/7 Wall St

LC Revenue by Segment

With YoY comparisons, source: SEC Filings

Q2 25 Q4 25

“We closed out a fantastic year with another strong quarter, delivering 40% originations growth and ROTCE approaching 12%. On a full-year basis, we grew originations 33% and more than doubled EPS. We're entering 2026 from a position of strength, with product innovations and marketing investments taking hold while credit continues to outperform. Our entry into home improvement financing is creating new opportunities and we also expect to leverage ongoing operating discipline and AI efficiencies to further strengthen the earnings power of the company.”

— Scott Sanborn, Q4 2025 Earnings Press Release

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