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

Long-term debt

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.

Many believe a recession is coming and this presents a number of risks. In my view, LC will be fine even if it is a deep recession.

LendingClub: The Risks And What To Expect

SAN FRANCISCO , July 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 second quarter 2022 on Wednesday, July 27, 2022, after-market hours. LendingClub will host a conference call to discuss the second quarter 2022 financial results at 2:00 p.m.

LendingClub Schedules Second Quarter 2022 Earnings Release and Conference Call

LendingClub's acquisition of Radius Bank radically improved the company's net interest margins and recurring revenue streams. CECL accounting front loads credit loss reserves, masking the actual profitability and cash flows, which emerge over time.

LendingClub's Earnings Power Is Only Beginning To Show

Credit markets are tightening. The Federal Reserve has been busy boosting interest rates and, amid a macroeconomic environment that could be charitably described as uncertain, the buying and selling of consumer loans winds up being a fraught process.

LendingClub CEO: Online Marketplace, APIs Create ‘Dynamic' Loan Pricing

SAN FRANCISCO , June 27, 2022 /PRNewswire/ -- LendingClub Corporation (NYSE: LC), the parent company of LendingClub Bank, America's leading digital marketplace bank, placed fourth on this year's 2022 San Francisco Large Company Top Workplaces list and was recognized with a special award in communication. The list is based solely on employee feedback gathered through a third-party survey administered by employee engagement technology partner Energage, LLC.

San Francisco Chronicle Names LendingClub a Top 5 Winner of the 2022 Greater Bay Area Top Workplaces Award

3 in 10 Earning Over $250,000 Continue to Live Paycheck to Paycheck  Nearly 40% of Those Earning Over $250,000 Cite Paying for a Family Members' Expenses as a Driver of Financial Distress SAN FRANCISCO , June 27, 2022 /PRNewswire/ -- LendingClub Corporation (NYSE: LC), the parent company of LendingClub Bank, America's leading digital marketplace bank, today released findings from the 11th edition of the Reality Check: Paycheck-To-Paycheck research series, conducted in partnership with PYMNTS.com. The Financial Distress Factors Edition examines the financial lifestyle of U.S. consumers who live paycheck to paycheck, the factors that cause financial distress – life-cycle events or life-altering events – and the impact of these financial stressors on their lives.

65 Percent of Paycheck-to-Paycheck Consumers Experienced a Financially Stressful Event in the Past Three Years

Live Oak Bancshares

Tradeweb Markets

They have bright futures beyond any short-term headwinds in the market.

3 No-Brainer Fintech Stocks to Buy With $300 During This Market Sell-Off

Digital Turbine

Corsair Gaming

Brinker International

e.l.f. Beauty

Overstock.com

Dave & Buster's

Small-cap stocks have suffered tremendous losses this year, so there are good stocks to buy on sale for the long term. The post 7 Small-Cap Stocks to Buy and Hold for the Long Haul appeared first on InvestorPlace.

7 Small-Cap Stocks to Buy and Hold for the Long Haul

LC is pressing the pedal to the metal on unsecured lending. The next phase is all about monetization of the customers' lifecycle.

LendingClub: Deep Dive On Strategy And Capital Allocation

SAN FRANCISCO , June 1, 2022 /PRNewswire/ -- LendingClub Corporation (NYSE: LC), the parent company of LendingClub Bank, America's leading digital marketplace bank, today released findings from its 10th edition of the Reality Check: Paycheck-To-Paycheck research series, conducted in partnership with PYMNTS.com. For the first time in the report series, the High Earners Edition examines the financial lifestyle of the growing share of highest-income U.S. consumers who live paycheck to paycheck, and the impact on their ability to access credit and other expense management.

1/3 of Consumers Earning a Quarter of a Million Dollars are Living Paycheck to Paycheck

The company is planning to increase its lending business.

This Fintech Stock Just Crushed its First Quarter Forecast

Upstart Holdings

While Upstart can generate more origination volume, LendingClub is better positioned to handle market shocks.

LendingClub Has a Huge Funding Advantage Over Upstart

Risk and reward are the cornerstones of any asset class. Clarke Roberts, senior vice president, Electronic Trading Services at LendingClub, told Karen Webster that whole loan auctions — where institutional clients buy and sell LendingClub's bundled personal loans — are due for a tech-enabled, digital overhaul.

LendingClub Says Client-to-Client Loans Mark Evolution for Its Online Marketplace

LendingClub, the parent of LendingClub Bank, on Wednesday (May 25) announced it is adding client-to-client sales to LCX, its automated loan-auction platform. The new capacity will let institutional investors sell LendingClub loans to each other directly, the announcement said.

LendingClub's LCX Platform to Get Client-to-Client Transactions

Major Step Forward to Enhance Liquidity of Asset Class SAN FRANCISCO , May 25, 2022 /PRNewswire/ -- LendingClub Corporation (NYSE: LC), the parent company of LendingClub Bank, America's leading digital marketplace bank, today announced a major enhancement to its automated loan auction platform, LCX. Institutional investors can now sell LendingClub loans directly to each other on the platform, increasing liquidity for this market-leading asset via an efficient digital marketplace.

LendingClub Adds Client-to-Client Sales to Its LCX Automated Loan Auction Platform

LC is exceeding my expectations (performance wise, not the share price!). The thesis is fully in-tact.

LendingClub: My Top Pick In The FinTech Space

PayPal

Silvergate Capital Corp

With the stock market struggling, there are plenty of bargain stocks with huge growth potential.

3 Monster Growth Stocks to Buy With the Market Nearing Bear Territory

Roku

These stocks are cheap after an unmerciful beatdown.

3 Stocks Down More Than 75% to Buy Right Now

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

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.

News for LendingClub Stock (LC)