LendingClub Reports Q4 Revenue of $266.5M, Beating Expectations
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 28 2026
0mins
Should l Buy LC?
Reports Q4 revenue $266.5M, consensus $261.99M. "We closed out a fantastic year with another strong quarter, delivering 40% originations growth and ROTCE approaching 12%," said Scott Sanborn, LendingClub CEO. "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."
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Analyst Views on LC
Wall Street analysts forecast LC stock price to rise
9 Analyst Rating
8 Buy
1 Hold
0 Sell
Strong Buy
Current: 14.910
Low
20.00
Averages
23.00
High
26.00
Current: 14.910
Low
20.00
Averages
23.00
High
26.00
About LC
LendingClub Corporation is a bank holding company. The Company operates its business, through its subsidiary, LendingClub Bank, National Association (LC Bank). LC Bank is the digital marketplace bank in the United States where members can access a range of financial products and services designed to help them pay less when borrowing and earn more when saving. It offers a suite of deposit and loan products through a smart, simple and rewarding digital experience. LC Bank retains loans and funds those loans directly with its own capital and deposits. LC Bank’s primary loan products include unsecured personal loans, secured auto refinance loans, and patient and education finance loans. LC Bank’s commercial lending business is primarily focused on small businesses, and it participates in the United States small business administration lending programs. LC Bank’s deposit business includes sourcing deposits directly from customers and from third-party marketing channels and deposit brokers.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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- Rising Borrower Numbers: Approximately 7.9 million student loan borrowers entered delinquency in the first three quarters of 2025, which not only affects their credit scores but also hinders their ability to achieve life milestones such as home and car ownership.
- Credit Score Decline: The study estimates that around 2 million delinquent borrowers have seen their credit scores drop to an average of 580 from 680, significantly below the acceptable range, which will directly impact their future borrowing ability and costs.
- Severe Issues in Southern States: The analysis indicates that states like Louisiana and Mississippi have delinquency rates nearing 40%, with over 48% of Black borrowers being delinquent, highlighting significant racial disparities in repayment capabilities that could exacerbate socioeconomic inequalities.
See More
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- Simplified Accounting Policy: This year, LendingClub adopted the fair value option for accounting, streamlining loan processing and aligning revenue recognition with loss timing, which enhances transparency and could bolster institutional investor confidence.
- Increased Loan Origination Targets: Management has set a loan origination target of $12.1 billion for this year, with a long-term goal of ramping up to $18 billion to $22 billion, which could significantly enhance profitability and market competitiveness, driving stock price appreciation.
- Clear Valuation Advantage: LendingClub trades at less than 10 times earnings, significantly lower than SoFi's 34 times, suggesting that if market confidence in its future earnings grows, the stock price could reach $24, indicating strong upside potential.
See More
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- SoFi Stock Performance: SoFi Technologies has seen its stock rise over 37% in the past year, yet it trades at a high valuation of nearly 34 times earnings, which may pose risks to investor confidence moving forward.
- LendingClub Earnings Growth: LendingClub reported earnings per share of $0.45 in 2024, with a projected 154% increase to $1.15 in 2025, and further guidance of $1.65 to $1.80 for 2026, indicating strong potential for profitability.
- Accounting Policy Change: This year, LendingClub adopted the fair value option for loan accounting, simplifying its financial reporting and aligning revenue recognition with loss timing, which could enhance transparency and attract institutional investors.
- Loan Origination Goals: LendingClub aims to ramp up loan originations to between $18 billion and $22 billion by 2025, with a current run rate of $12 billion, showcasing its ambition for business expansion and market opportunities.
See More
