LendingClub Corporation
Description
LendingClub Corporation, operates as a bank holding company, that provides range of financial products and services in the United States. It offers deposit products, including savings accounts, checking accounts, and certificates of deposit. The company also provides loan products, such as consumer loans comprising unsecured personal loans, secured auto refinance loans, and patient and education finance loans; and commercial loans, including small business loans. In addition, it operates an online lending marketplace platform. The company was incorporated in 2006 and is headquartered in San Francisco, California.
About
CEO
Mr. Scott C. Sanborn
Employees
1,025
Instrument type
Common Stock
Sector
Financial Services
Industry
Banks - Regional
MIC code
XNYS
Address
595 Market Street, San Francisco, CA 94105, United States
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Oscillators
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Summary
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Moving Averages
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Earnings
| Date | Estimate EPS | Actual EPS | Difference | % Surprise |
|---|---|---|---|---|
| Jan 26, 2026 | — | — | — | — |
| Oct 21, 2025 | — | — | — | — |
| Jul 28, 2025 | — | — | — | — |
| Apr 28, 2025 | — | — | — | — |
| Jan 29, 2025 | 0.09 | 0.08 | -0.01 | -11.11% |
Earnings estimate
|
Current Quarter
(Mar 2025)
|
Next Quarter
(Jun 2025)
|
Current Year
(Dec 2025)
|
Next Year
(Dec 2026)
|
|
|---|---|---|---|---|
| Number of analysts | 7 | 7 | 7 | 7 |
| Average estimate | 0.11 | 0.19 | 0.78 | 1.32 |
| Low estimate | 0.04 | 0.13 | 0.53 | 1.19 |
| High estimate | 0.16 | 0.23 | 0.89 | 1.44 |
| Last year EPS | 0.11 | 0.13 | 0.45 | 0.78 |
[stock_revenue_estimate]
Growth estimates
Current qtr (Mar 2025)
-4.310%
Next qtr. (Jun 2025)
46.930%
Current year (Dec 2025)
72.890%
Next year (Dec 2026)
69.970%
Next 5 years (per annum)
—
Past 5 years (per annum)
—
Income statement
| 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|
| Fiscal date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total reported revenue | 864.62M | 1.19B | 818.63M | 304.86M | 731.90M |
| Cost of revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating expense | |||||
| Research & development | — | — | — | — | — |
| Selling general and admin | 355.79M | 537.14M | 444.53M | 304.04M | 568.97M |
| Other operating expenses | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Non operating interest income | |||||
| Income | — | — | — | — | — |
| Expense | — | — | — | — | — |
| Other income expense | — | — | — | — | — |
| Pretax income | 54.62M | 153.04M | 18.44M | -187.62M | -30.89M |
| Tax provision | 15.68M | -136.65M | -136,000 | -79,000 | -201,000 |
| Net income | 38.94M | 289.69M | 18.58M | -187.54M | -30.69M |
| Basic EPS | 0.36 | 2.80 | 0.19 | -2.63 | -0.35 |
| Diluted EPS | 0.36 | 2.79 | 0.18 | -2.63 | -0.35 |
| Basic average shares | 108.47M | 103.55M | 97.49M | 77.93M | 87.28M |
| Diluted average shares | 108.47M | 103.55M | 97.49M | 77.93M | 87.28M |
| EBITDA | — | — | — | — | — |
| Net income from continuing op. | 38.94M | 289.69M | 18.58M | -187.54M | -30.69M |
| Minority interests | — | — | — | — | -55,000 |
| Preferred stock dividends | — | — | — | -32.87M | — |
Balance sheet
| 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|
| Fiscal date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | — | — | — | — | — |
| Current assets | |||||
| Cash | 14.99M | 23.13M | 35.67M | — | 243.78M |
| Cash equivalents | — | — | — | — | — |
| Cash and cash equivalents | 1.25B | 1.06B | 687.13M | 524.96M | 243.78M |
| Other short term investments | 1.62B | 345.70M | 263.53M | 142.23M | 270.93M |
| Accounts receivable | 35.79M | 30.90M | — | 15.45M | 31.87M |
| Other receivables | 110.99M | 160.32M | 149.16M | — | — |
| Inventory | — | — | — | — | — |
| Prepaid assets | — | — | — | 16.46M | 14.86M |
| Restricted cash | — | — | — | — | — |
| Assets held for sale | — | — | — | — | — |
| Hedging assets | — | — | — | — | — |
| Other current assets | — | — | — | — | — |
| Non current assets | |||||
| Properties | 26.61M | 63.87M | 77.32M | 74.04M | 93.49M |
| Land and improvements | — | — | — | — | — |
| Machinery furniture equipment | 123.86M | 134.16M | 119.35M | 137.19M | 153.59M |
| Construction in progress | 112.90M | 73.70M | 39.70M | 21.77M | 16.78M |
| Leases | 30.76M | 31.21M | 37.35M | 35.14M | 39.32M |
| Accumulated depreciation | -106.01M | -102.60M | -98.40M | -97.45M | -95.31M |
| Goodwill | 163.57M | 167.77M | 242.99M | 67.77M | 14.55M |
| Investment properties | — | — | — | — | — |
| Financial assets | — | — | — | — | — |
| Intangible assets | 12.14M | 16.33M | 91.55M | 67.77M | 14.55M |
| Investments and advances | 1.66B | 384.02M | 295.26M | 150.50M | 279.17M |
| Other non current assets | — | — | — | — | — |
| Total liabilities | — | — | — | — | — |
| Current liabilities | |||||
| Accounts payable | 54.62M | 98.17M | 100.97M | 46.89M | 20.12M |
| Accrued expenses | — | — | — | 14.38M | 36.80M |
| Short term debt | — | 2.62M | 27.78M | 104.99M | 587.45M |
| Deferred revenue | — | — | — | — | — |
| Tax payable | — | — | — | — | — |
| Pensions | — | — | — | — | — |
| Other current liabilities | — | — | — | — | — |
| Non current liabilities | |||||
| Long term debt | 57.22M | 207.57M | 402.21M | 884.12M | 1.23B |
| Provision for risks and charges | — | — | — | — | — |
| Deferred liabilities | — | — | — | — | — |
| Derivative product liabilities | — | — | — | — | — |
| Other non current liabilities | — | — | — | — | — |
| Shareholders equity | |||||
| Common stock | 1.10M | 1.07M | 1.01M | 881,000 | 892,000 |
| Retained earnings | -388.81M | -427.75M | -717.43M | -786.21M | -548.47M |
| Other shareholders equity | -30.30M | -37.62M | 7.05M | 1.48M | -565,000 |
| Total shareholders equity | 1.25B | 1.16B | 850.24M | 724.17M | 900.19M |
| Additional paid in capital | 1.67B | 1.63B | 1.56B | 1.51B | 1.47B |
| Treasury stock | — | — | — | — | 19.55M |
| Minority interest | — | — | — | — | — |
Cash flow statement
| 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||||
| Net Income | 38.94M | 289.69M | 18.58M | -187.54M | -30.69M | -128.15M | -154.05M | -145.97M | -5.00M | -32.89M | 7.31M | -11.94M |
| Depreciation | 47.20M | 43.83M | 44.29M | 54.03M | 62.15M | 54.76M | 46.21M | 29.88M | 21.58M | 10.26M | 1.66M | 150,000 |
| Deferred Taxes | — | -143.50M | — | — | — | — | — | — | — | — | — | — |
| Stock-Based Compensation | 52.39M | 66.36M | 66.76M | 61.53M | 73.64M | 75.09M | 70.98M | 69.24M | 51.22M | 37.15M | 6.49M | 660,000 |
| Other Non-Cash Items | -1.35B | 70.93M | 66.24M | 613.98M | -231.92M | -564.98M | -579.72M | -506,000 | 647,000 | -3.25M | 3.90M | -43,000 |
| Accounts Receivable | — | — | — | -5.05M | -16.30M | -3.79M | 6.29M | -2.22M | -14.01M | -8.40M | -10.69M | -2.39M |
| Accounts Payable | — | — | — | -11.61M | -5.69M | -16.38M | -12.50M | 8.91M | 12.68M | 11.58M | 12.85M | 3.22M |
| Other Assets & Liabilities | -32.85M | -37.60M | 16.64M | -96.54M | -76.11M | 52.71M | -71.21M | -9.96M | -15.86M | 13.27M | -21.02M | -1.47M |
| Operating Cash Flow | -1.24B | 289.72M | 212.50M | 428.80M | -224.91M | -530.74M | -693.98M | -50.62M | 51.27M | 27.72M | 492,000 | -11.81M |
| Investing Activities | ||||||||||||
| Capital Expenditures | -59.51M | -69.48M | -34.41M | -31.15M | -50.67M | -52.98M | -44.62M | -51.84M | -39.39M | -20.57M | -10.44M | -383,000 |
| Net Intangibles | — | — | — | — | — | — | — | — | — | — | — | — |
| Net Acquisitions | — | — | 522.89M | — | — | — | — | — | — | -109.46M | — | — |
| Purchase of Investments | -61.65M | -222.53M | -100.47M | -53.74M | -144.48M | -136.45M | -139.77M | -85.98M | -419.17M | — | — | — |
| Sale of Investments | 97.71M | 86.08M | 249.59M | 231.68M | 236.53M | 200.70M | 363.08M | 87.16M | 120.42M | — | — | — |
| Investing Cash Flow | -28.12M | -210.36M | 624.85M | 147.19M | 41.94M | 13.03M | 113.94M | -147.74M | -372.11M | -163.01M | -15.16M | -4.38M |
| Financing Activities | ||||||||||||
| Long-Term Debt Issuance | — | — | 325.19M | 501.19M | 675.46M | 3.34B | 2.60B | 2.70B | 3.86B | 2.21B | 1.62B | 319.70M |
| Long-Term Debt Payments | -111.99M | -452.34M | -767.72M | -2.48B | -4.13B | -3.56B | -3.08B | -2.44B | -1.83B | -1.11B | -506.00M | -104.55M |
| Other Financing Charges | -19.83M | -9.03M | -9.30M | -8.95M | -26.77M | -15.96M | -13.67M | 52.56M | 33.95M | 33.09M | 1.87M | 533,000 |
| Financing Cash Flow | -131.83M | -486.95M | -539.46M | -2.50B | -3.34B | -233.99M | -488.87M | 301.27M | 2.07B | 2.02B | 1.11B | 247.63M |
| Other Cash Details | ||||||||||||
| End Cash Position | 1.29B | 1.12B | 763.59M | 628.49M | 487.12M | 644.06M | 644.29M | 693.41M | 623.53M | 869.78M | 49.30M | 31.24M |
| Income Tax Paid | 6.63M | 14.46M | 4.80M | 3,000 | — | — | — | — | — | — | — | — |
| Interest Paid | 258.63M | 79.73M | 77.33M | 143.84M | 254.59M | 394.46M | 581.44M | 684.78M | 536.45M | 345.92M | 176.20M | 28.06M |
| Free Cash Flow | -1.20B | 306.09M | 205.46M | 386.88M | -321.31M | -692.72M | -618.00M | -51.30M | 35.35M | 29.35M | -9.30M | -11.47M |
Top Institutional Holders
| Holder | Date Reported | Shares | Value | % Held |
|---|---|---|---|---|
| Vanguard Total Stock Market Index Fund | Sep 30, 2024 | 3,340,124 | 44.42M | 2.97% |
| iShares Russell 2000 ETF | Nov 30, 2024 | 3,285,721 | 43.70M | 2.92% |
| Vanguard Small-Cap Index Fund | Sep 30, 2024 | 2,662,873 | 35.42M | 2.37% |
| Vanguard Small Cap Value Index Fund | Sep 30, 2024 | 1,800,055 | 23.94M | 1.60% |
| Vanguard Extended Market Index Fund | Sep 30, 2024 | 1,730,676 | 23.02M | 1.54% |
| DFA U.S. Small Cap Value Series | Oct 31, 2024 | 1,547,457 | 20.58M | 1.38% |
| Avantis U.S. Small Cap Value ETF | Nov 30, 2024 | 1,425,414 | 18.96M | 1.27% |
| SPDR (R) Ser Tr-SPDR� Kensho New Economies Composite ETF | Nov 30, 2024 | 1,360,333 | 18.09M | 1.21% |
| College Retirement Equities Fund-Stock Account | Sep 30, 2024 | 1,254,560 | 16.69M | 1.12% |
| Fidelity Small Cap Index Fund | Oct 31, 2024 | 1,122,285 | 14.93M | 1.00% |
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