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Sep 30, 2025
LendingClub Q3 2025 Earnings Report
LendingClub reported strong Q3 2025 results with record pre-tax income and significant growth in EPS, revenue, and loan originations.
Key Takeaways
LendingClub delivered a robust Q3 2025, with net income more than tripling to $44.3 million and total revenue rising 32% YoY to $266.2 million. EPS climbed to $0.37, boosted by improved marketplace activity, credit performance, and cost discipline. The company achieved a net interest margin of 6.18% and a return on tangible common equity of 13.2%.
Net income rose to $44.3 million from $14.5 million a year ago
Loan originations increased 37% YoY to $2.6 billion
EPS reached $0.37, up from $0.13 in Q3 2024
Efficiency ratio improved to 61% due to well-managed expenses and AI initiatives
Revenue by Segment
Forward Guidance
For Q4 2025, LendingClub expects sustained loan origination strength and solid profitability, while navigating slightly moderating ROTCE expectations.
Positive Outlook
- Q4 loan originations projected at $2.5B to $2.6B
- PPNR forecasted between $90M to $100M
- Strong marketplace investor interest with BlackRock MOU
- Continued credit outperformance vs. competitors
- AI-driven efficiency gains to continue reducing cost pressures
Challenges Ahead
- ROTCE expected to moderate to 10%–11.5% from 13.2% in Q3
- Brokered deposits declined YoY, impacting deposit mix
- Marketing expenses rose 55% YoY due to growth initiatives
- Provision for credit losses remains elevated at $46.3M
Historical Earnings Impact
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Avg. Return Before/After Earnings
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