LendingClub exhibited strong financial and operational performance with significant growth in originations and revenue, successful new product launches, and impressive credit performance. Despite increased marketing expenses and a higher tax rate impacting profitability, the positive aspects significantly outweigh the negatives.

Company Guidance

During the LendingClub Q2 2025 earnings call, the company reported impressive financial performance, with a 32% year-on-year increase in loan originations totaling $2.4 billion and a 33% rise in revenue to $248 million. GAAP net income more than doubled to $38 million, resulting in a return on tangible common equity (ROTCE) of nearly 12%, surpassing the 8% target set earlier in the year. The company achieved a net interest margin of 6.1% and a net charge-off ratio that improved to 3%. LendingClub also announced an extension of its forward flow agreement with Blue Owl for up to $3.4 billion in new originations and closed a significant $100 million transaction with BlackRock. Additionally, LendingClub introduced new products like LevelUp Checking, which offers financial incentives such as 1% cash back on everyday purchases and 2% cash back for on-time loan payments. The company plans to continue its growth trajectory by focusing on marketing and product innovation, with expected Q3 originations between $2.5 billion and $2.6 billion, and a PPNR range of $90 million to $100 million.

Strong Financial Performance

LendingClub delivered 32% year-on-year growth in originations and 33% growth in revenue. GAAP net income more than doubled to $38 million compared to $15 million last year. ROTCE reached nearly 12%, exceeding the 8% target set at the beginning of the year.

Successful Product Launches

Launched LevelUp Checking and LevelUp Savings, contributing to significant engagement with 6x more checking accounts opened daily and $2.7 billion in LevelUp Savings deposits.

Partnership and Funding Agreements

Extended forward flow agreement with Blue Owl for up to $3.4 billion of new originations and completed a $100 million transaction with BlackRock through the Fitch rated structured certificate program.

Improved Credit Performance

Sustained 40% credit improvement versus competitors and maintained strong credit performance, leading to a $9 million provision benefit.

LendingClub (LC) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

LC Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 22, 2025	2025 (Q3)	0.30 / -	0.13	―	―	―
Jul 29, 2025	2025 (Q2)	0.15 / 0.33	0.13	153.85% (+0.20)
Apr 29, 2025	2025 (Q1)	0.11 / 0.10	0.11	-9.09% (>-0.01)
Jan 28, 2025	2024 (Q4)	0.09 / 0.08	0.09	-11.11% (>-0.01)
Oct 23, 2024	2024 (Q3)	0.07 / 0.13	0.05	160.00% (+0.08)
Jul 30, 2024	2024 (Q2)	0.04 / 0.13	0.09	44.44% (+0.04)
Apr 30, 2024	2024 (Q1)	0.03 / 0.11	0.13	-15.38% (-0.02)
Jan 30, 2024	2023 (Q4)	0.01 / 0.09	0.22	-59.09% (-0.13)
Oct 25, 2023	2023 (Q3)	0.03 / 0.05	0.41	-87.80% (-0.36)
Jul 26, 2023	2023 (Q2)	0.04 / 0.09	1.73	-94.80% (-1.64)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

LC Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 29, 2025	$13.11	$15.89	+21.21%
Apr 29, 2025	$11.01	$9.77	-11.26%
Jan 28, 2025	$16.83	$14.42	-14.32%
Oct 23, 2024	$12.46	$13.82	+10.91%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Lendingclub Corp. (LC) report earnings?

Lendingclub Corp. (LC) is schdueled to report earning on Oct 22, 2025, After Close (Confirmed).

What is Lendingclub Corp. (LC) earnings time?

Lendingclub Corp. (LC) earnings time is at Oct 22, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is LC EPS forecast?

LC EPS forecast for the fiscal quarter 2025 (Q3) is 0.3.

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