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Dec 31, 2025
LendingClub Q4 2025 Earnings Report
LendingClub reported strong financial results for the fourth quarter and full year ended December 31, 2025, with significant increases in net income, EPS, and loan originations.
Key Takeaways
LendingClub delivered a strong performance in Q4 2025, with GAAP Net Income of $41.6 million, Diluted EPS of $0.35, and a 40% increase in loan originations compared to the prior year. The company also reported a 23% increase in total net revenue and continued credit outperformance.
Achieved $2.6 billion in origination volume, up 40% year-over-year, driven by successful product and marketing initiatives.
Diluted EPS more than quadrupled to $0.35 compared to $0.08 in the prior year.
Total net revenue increased 23% to $266.5 million, compared to $217.2 million in the prior year.
Maintained a strong capital position with a consolidated Tier 1 leverage ratio of 12.0% and a CET1 capital ratio of 17.4%.
Revenue by Segment
Forward Guidance
LendingClub expects continued growth in loan originations and diluted EPS for both the first quarter and full year 2026, driven by product innovations, marketing investments, and ongoing operating discipline.
Positive Outlook
- Q1 2026 Loan originations projected to be between $2.55 billion and $2.65 billion.
- Q1 2026 Diluted EPS projected to be between $0.34 and $0.39.
- FY 2026 Loan originations projected to be between $11.6 billion and $12.6 billion.
- FY 2026 Diluted EPS projected to be between $1.65 and $1.80.
- Entry into home improvement financing creating new opportunities.
Challenges Ahead
- No specific negative forward guidance was provided in the report.
- No specific negative forward guidance was provided in the report.
- No specific negative forward guidance was provided in the report.
- No specific negative forward guidance was provided in the report.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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