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LendingClub Earnings Calls
| Release date | Oct 22, 2025 |
| EPS estimate | $0.300 |
| EPS actual | $0.370 |
| EPS Surprise | 23.33% |
| Revenue estimate | 262.311M |
| Revenue actual | 107.792M |
| Revenue Surprise | -58.91% |
| Release date | Jul 29, 2025 |
| EPS estimate | $0.150 |
| EPS actual | $0.330 |
| EPS Surprise | 120.00% |
| Revenue estimate | 259.1M |
| Revenue actual | 331.283M |
| Revenue Surprise | 27.86% |
| Release date | Apr 29, 2025 |
| EPS estimate | $0.100 |
| EPS actual | $0.100 |
| Revenue estimate | 214.3M |
| Revenue actual | 299.813M |
| Revenue Surprise | 39.90% |
| Release date | Jan 28, 2025 |
| EPS estimate | $0.0900 |
| EPS actual | $0.110 |
| EPS Surprise | 22.22% |
| Revenue estimate | 206.471M |
| Revenue actual | 217.201M |
| Revenue Surprise | 5.20% |
Last 4 Quarters for LendingClub
Below you can see how LC performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jan 28, 2025 |
| Price on release | $16.83 |
| EPS estimate | $0.0900 |
| EPS actual | $0.110 |
| EPS surprise | 22.22% |
| Date | Price |
|---|---|
| Jan 22, 2025 | $17.09 |
| Jan 23, 2025 | $16.94 |
| Jan 24, 2025 | $17.04 |
| Jan 27, 2025 | $16.66 |
| Jan 28, 2025 | $16.83 |
| Jan 29, 2025 | $14.42 |
| Jan 30, 2025 | $14.28 |
| Jan 31, 2025 | $13.49 |
| Feb 03, 2025 | $12.96 |
| 4 days before | -1.52% |
| 4 days after | -22.99% |
| On release day | -14.32% |
| Change in period | -24.17% |
| Release date | Apr 29, 2025 |
| Price on release | $11.01 |
| EPS estimate | $0.100 |
| EPS actual | $0.100 |
| Date | Price |
|---|---|
| Apr 23, 2025 | $10.25 |
| Apr 24, 2025 | $10.87 |
| Apr 25, 2025 | $10.96 |
| Apr 28, 2025 | $10.98 |
| Apr 29, 2025 | $11.01 |
| Apr 30, 2025 | $9.77 |
| May 01, 2025 | $9.89 |
| May 02, 2025 | $10.33 |
| May 05, 2025 | $10.30 |
| 4 days before | 7.41% |
| 4 days after | -6.45% |
| On release day | -11.26% |
| Change in period | 0.488% |
| Release date | Jul 29, 2025 |
| Price on release | $13.11 |
| EPS estimate | $0.150 |
| EPS actual | $0.330 |
| EPS surprise | 120.00% |
| Date | Price |
|---|---|
| Jul 23, 2025 | $13.41 |
| Jul 24, 2025 | $13.17 |
| Jul 25, 2025 | $12.83 |
| Jul 28, 2025 | $12.95 |
| Jul 29, 2025 | $13.11 |
| Jul 30, 2025 | $15.89 |
| Jul 31, 2025 | $15.59 |
| Aug 01, 2025 | $15.59 |
| Aug 04, 2025 | $16.05 |
| 4 days before | -2.24% |
| 4 days after | 22.43% |
| On release day | 21.21% |
| Change in period | 19.69% |
| Release date | Oct 22, 2025 |
| Price on release | $16.52 |
| EPS estimate | $0.300 |
| EPS actual | $0.370 |
| EPS surprise | 23.33% |
| Date | Price |
|---|---|
| Oct 16, 2025 | $15.56 |
| Oct 17, 2025 | $15.39 |
| Oct 20, 2025 | $16.36 |
| Oct 21, 2025 | $16.72 |
| Oct 22, 2025 | $16.52 |
| Oct 23, 2025 | $18.25 |
| Oct 24, 2025 | $18.43 |
| Oct 27, 2025 | $18.33 |
| Oct 28, 2025 | $18.02 |
| 4 days before | 6.17% |
| 4 days after | 9.08% |
| On release day | 10.47% |
| Change in period | 15.81% |
LendingClub Earnings Call Transcript Summary of Q3 2025
LendingClub reported a strong Q3 2025 driven by robust originations, rising marketplace revenue, expanding net interest income, and continued outperformance on credit. Key financials: originations grew 37% y/y to $2.62B, revenue grew 32% to $266M, net interest income hit an all-time high of $158M, non-interest income rose 75% to $108M, pre-provision net revenue increased 58% to $104M, diluted EPS nearly tripled to $0.37, ROTCE reached 13.2%, tangible book value per share was $11.95, and total assets exceeded $11B. Deposits ended at $9.4B with LevelUp savings approaching $3B. The marketplace showed improving loan sale prices, best-ever structured certificate sales >$1B, and a memorandum of understanding with BlackRock for up to $1B of purchases through 2026. Credit remains a competitive advantage: management reported roughly 40% outperformance versus peers and a net charge-off ratio of 2.9%, with stable-to-improving lifetime loss expectations. Management is increasing marketing to scale originations (noting some negative seasonality in Q4) while maintaining disciplined underwriting. Guidance: Q4 originations expected $2.5–$2.6B (up ~35–41% y/y), PPNR of $90–$100M, and ROTCE targeted at 10–11.5%. Management will provide more strategic detail at Investor Day on Nov 5.
