LC (LC)
LendingClub Corporation
NYSE:LCFinancial Services · Financial - Credit Services
Mkt Cap-
Float111.28M
O/S-
Inst Own-
Dilution
Delisting Issues Timeline
Financials Summary
Revenue$1.33B
Net Income$135.68M
Total Assets$11.57B
Free Cash Flow-$2.87B
Debt & Equity
Debt 1%
Equity 99%
Total Debt$15.83M
Total Equity$1.5B
Shares Outstanding
Short Interest
Split History1 split · 1 reverse
- 1:5Reverse splitJul 8, 20195 shares → 1
Balance Sheet Details
Assets$11.57B
Liabilities$10.07B
Accounts Receivable$43.92M
Accounts Payable$87.34M
Inventory$0
PP&E (Net)$267.03M
Goodwill$75.72M
Intangible Assets$7.42M
Income Statement
| Period | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 | FY 2014 | FY 2013 | FY 2011 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Currency | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2011-12-31 |
| Revenue | $1.33B | $1.16B | $1.14B | $1.27B | $898.63M | $455.22M | $979.2M | $981.04M | $1.06B | $1.11B | $918.35M | $530.42M | $267.47M | $42.73M |
| YoY Growth | 15.0% | 2.2% | -10.6% | 41.3% | 97.4% | -53.5% | -0.2% | -7.4% | -5.0% | 21.4% | 73.1% | 98.3% | 526.0% | - |
| Cost of Revenue | $470.96M | $552.18M | $514.36M | $349.84M | $218.8M | $153.75M | $247.3M | $385.61M | $571.42M | $688.37M | $549.74M | $356.62M | $187.45M | $32.03M |
| Gross Profit | $863.75M | $608.74M | $621.05M | $919.89M | $679.83M | $301.47M | $731.9M | $595.44M | $487.65M | $426.05M | $368.61M | $173.8M | $80.02M | $10.7M |
| Gross Margin | 64.7% | 52.4% | 54.7% | 72.4% | 75.7% | 66.2% | 74.7% | 60.7% | 46.0% | 38.2% | 40.1% | 32.8% | 29.9% | 25.0% |
| Research and Development | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Selling, General, and Administrative | $391.06M | $332.56M | $355.79M | $537.14M | $444.53M | $304.04M | $568.97M | $497.16M | $421.55M | $423.84M | $293.71M | $166.79M | $57.19M | $22.64M |
| Other | $139.01M | $211.12M | $210.65M | $229.71M | $216.85M | $185.06M | $193.83M | $226.39M | $219.51M | $152.41M | $77.06M | $38.52M | $15.53M | $0 |
| Total Operating Expenses | $530.06M | $543.68M | $566.44M | $766.85M | $661.39M | $489.09M | $762.79M | $723.55M | $641.06M | $576.25M | $370.77M | $205.31M | $72.72M | $22.64M |
| Operating Income (EBIT) | $333.69M | $65.07M | $54.62M | $153.04M | $18.44M | -$187.62M | -$30.89M | -$128.11M | -$153.41M | -$150.2M | -$2.16M | -$31.5M | $7.31M | -$11.94M |
| Operating Margin | 25.0% | 5.6% | 4.8% | 12.1% | 2.1% | -41.2% | -3.2% | -13.1% | -14.5% | -13.5% | -0.2% | -5.9% | 2.7% | -28.0% |
| Interest Expense | $335.87M | $373.92M | $270.79M | $82.52M | $80M | $150.37M | $247.3M | $385.61M | $571.42M | $688.37M | $549.74M | $356.62M | $187.45M | $32.03M |
| Interest Income | $961.54M | $907.96M | $832.63M | $557.34M | $292.83M | $209.69M | $345.35M | $487.46M | $611.26M | $696.66M | $552.97M | $354.45M | $187.51M | $0 |
| Other Income (Expense) | -$156.75M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Income Before Tax (EBT) | $176.95M | $65.07M | $54.62M | $153.04M | $18.44M | -$187.62M | -$30.89M | -$128.11M | -$153.41M | -$150.2M | -$2.16M | -$31.5M | $7.31M | -$11.94M |
| Income Tax Expense | $41.27M | $13.74M | $15.68M | -$136.65M | -$136K | -$79K | -$201K | $43K | $632K | -$4.23M | $2.83M | $1.39M | $0 | $0 |
| Net Income | $135.68M | $51.33M | $38.94M | $289.69M | $18.58M | -$187.54M | -$30.75M | -$128.31M | -$153.84M | -$145.97M | -$5M | -$32.89M | $7.31M | -$11.94M |
| Net Income Margin | 10.2% | 4.4% | 3.4% | 22.8% | 2.1% | -41.2% | -3.1% | -13.1% | -14.5% | -13.1% | -0.5% | -6.2% | 2.7% | -28.0% |
| Supplementary Data | ||||||||||||||
| EPS | 1.18 | 0.46 | 0.36 | 2.80 | 0.19 | -2.07 | -0.35 | -1.52 | -1.88 | -1.88 | -0.07 | -2.18 | 0.02 | -1.03 |
| Diluted EPS | 1.15 | 0.45 | 0.36 | 2.79 | 0.18 | -2.07 | -0.35 | -1.52 | -1.88 | -1.88 | -0.07 | -2.18 | 0.02 | -1.03 |
| Weighted Average OS | 115.33M | 111.73M | 108.47M | 103.55M | 98.14M | 90.44M | 87.28M | 84.58M | 81.80M | 77.55M | 74.97M | 15.11M | 11.59M | 11.59M |
| EBITDA | $369.1M | $118.37M | $101.81M | $196.87M | $62.73M | -$133.59M | $31.26M | -$73.35M | -$107.2M | -$120.31M | $19.42M | -$21.25M | $8.97M | -$11.79M |
| EBITDA Margin | 27.7% | 10.2% | 9.0% | 15.5% | 7.0% | -29.3% | 3.2% | -7.5% | -10.1% | -10.8% | 2.1% | -4.0% | 3.4% | -27.6% |
Balance Sheet
| Period | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 | FY 2014 | FY 2013 | FY 2011 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Currency | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2011-12-31 |
| Assets | ||||||||||||||
| Current Assets | ||||||||||||||
| Cash and Cash Equivalents | $917.65M | $954.06M | $1.25B | $1.06B | $687.13M | $524.96M | $243.78M | $372.97M | $401.72M | $515.6M | $624.4M | $870.44M | $49.49M | $32.2M |
| Short-Term Investments | $3.71B | $3.45B | $1.62B | $345.7M | $263.53M | $142.23M | $270.93M | $170.47M | $117.57M | $287.14M | $297.21M | $0 | $0 | $0 |
| Cash and Short-Term Investments | $917.65M | $4.41B | $2.87B | $1.4B | $950.66M | $667.19M | $514.71M | $543.44M | $519.29M | $802.74M | $921.61M | $870.44M | $49.49M | $32.2M |
| Accounts Receivable | $43.92M | $40.39M | $35.79M | $191.22M | $149.16M | $15.45M | $31.87M | $41.58M | $111.95M | $57.66M | $45.61M | $26.63M | $35.39M | $2.35M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Current Assets | $12.78M | $23.34M | $41.64M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Current Assets | $974.36M | $4.47B | $2.95B | $1.59B | $1.1B | $699.09M | $561.44M | $610.62M | $654.67M | $877.36M | $983.5M | $903.87M | $88.43M | $35.35M |
| Long-Term Assets | ||||||||||||||
| Property, Plant & Equipment Net | $267.03M | $188.84M | $188.13M | $200.34M | $175.31M | $170.68M | $207.85M | $113.88M | $101.93M | $89.26M | $55.93M | $27.05M | $12.6M | $525K |
| Goodwill | $75.72M | $75.72M | $75.72M | $75.72M | $75.72M | $0 | $0 | $0 | $35.63M | $35.63M | $72.68M | $72.59M | $0 | $0 |
| Intangible Assets | $7.42M | $8.59M | $12.13M | $16.33M | $91.55M | $67.77M | $14.55M | $18.05M | $21.92M | $26.21M | $30.97M | $36.3M | $0 | $0 |
| Long-Term Investments | $3.76B | $5.53B | $5.15B | $5.68B | $3.28B | $816.82M | $1.85B | $2.73B | $3.54B | $4.33B | $4.56B | $2.8B | $1.83B | $362.59M |
| Deferred Tax Assets | $96.16M | $137.16M | $151.41M | $173.69M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Long-Term Assets | $6.39B | $216.67M | $297.6M | $244.65M | $178.41M | $108.93M | $344.89M | $342.63M | $287.03M | $202.76M | $94.22M | $51.73M | $13.33M | $4.86M |
| Total Long-Term Assets | $10.59B | $6.16B | $5.88B | $6.39B | $3.8B | $1.16B | $2.42B | $3.21B | $3.99B | $4.69B | $4.81B | $2.99B | $1.85B | $367.98M |
| Other Assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Assets | $11.57B | $10.63B | $8.83B | $7.98B | $4.9B | $1.86B | $2.98B | $3.82B | $4.64B | $5.56B | $5.79B | $3.89B | $1.94B | $403.33M |
| Liabilities | ||||||||||||||
| Current Liabilities | ||||||||||||||
| Accounts Payable | $87.34M | $78.13M | $54.62M | $98.17M | $100.97M | $46.88M | $20.11M | $26.34M | $42.39M | $54.46M | $45.79M | $32.86M | $22.27M | $3.49M |
| Short-Term Debt | $0 | $0 | $0 | $2.62M | $27.78M | $104.99M | $1.17B | $917.6M | $64.2M | $0 | $0 | $0 | $0 | $0 |
| Current Income Tax Payable | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Current Unearned Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Current Liabilities | $9.83B | $9.07B | $7.33B | $6.39B | $3.14B | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Current Liabilities | $9.93B | $9.17B | $7.42B | $6.49B | $3.26B | $166.26M | $1.23B | $986.46M | $127.91M | $74.2M | $59.84M | $39.47M | $24.32M | $3.94M |
| Long-Term Liabilities | ||||||||||||||
| Long-Term Debt | $60.25M | $0 | $19.35M | $130.28M | $310.63M | $789.58M | $1.12B | $2.16B | $3.27B | $4.32B | $4.57B | $2.81B | $1.84B | $361.16M |
| Long-Term Unearned Revenue | $0 | $0 | $0 | $0 | $0 | $4.92M | $13.69M | $25.63M | $18.15M | $14.19M | $7.17M | $2.14M | $653K | $0 |
| Long-Term Deferred Tax Liabilities | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $3.45M | $1.33M | $0 | $0 |
| Other Long-Term Liabilities | $9.99B | $91.08M | $93.49M | $114.53M | $383.32M | $83.82M | -$397.77M | -$225.77M | $300.12M | $177.57M | $109.74M | $60.28M | $10.34M | $86.7M |
| Total Long-Term Liabilities | $10.06B | $119.58M | $150.71M | $322.11M | $785.54M | $972.87M | $850.34M | $1.96B | $3.59B | $4.51B | $4.69B | $2.88B | $1.85B | $447.86M |
| Other Liabilities | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities | $10.07B | $9.29B | $7.58B | $6.82B | $4.05B | $1.14B | $2.08B | $2.95B | $3.71B | $4.59B | $4.75B | $2.92B | $1.88B | $451.8M |
| Stockholders' Equity | ||||||||||||||
| Preferred Stock | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $103.24M | $0 |
| Common Stock | $1.15M | $1.13M | $1.1M | $1.06M | $1.01M | $881K | $892K | $864K | $4.2M | $4M | $3.8M | $3.71M | $138K | $91K |
| Retained Earnings | -$201.8M | -$337.48M | -$388.81M | -$427.75M | -$717.43M | -$786.21M | -$548.47M | -$517.73M | -$389.42M | -$234.19M | -$88.22M | -$83.22M | -$50.33M | -$53.4M |
| Comprehensive Income & Other | -$18.16M | -$24.24M | -$30.3M | -$37.62M | $7.05M | $1.48M | -$565K | $157K | -$5K | -$767K | -$1.67M | $0 | $0 | $0 |
| Other Stockholders' Equity | $1.7B | $1.68B | $1.64B | $1.59B | $1.57B | $1.51B | $1.45B | $1.39B | $1.31B | $1.21B | $1.13B | $1.05B | $118.28M | $4.84M |
| Total Equity | $1.5B | $1.34B | $1.25B | $1.16B | $850.24M | $724.17M | $900.19M | $869.2M | $922.5M | $975.77M | $1.04B | $973.22M | $68.09M | -$48.47M |
| Minority Interest | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $1.78M | $5.26M | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities and Equity | $11.57B | $10.63B | $8.83B | $7.98B | $4.9B | $1.86B | $2.98B | $3.82B | $4.64B | $5.56B | $5.79B | $3.89B | $1.94B | $403.33M |
| Supplementary Data | ||||||||||||||
| Total Debt | $15.83M | $28.5M | $57.22M | $210.19M | $429.99M | $989.11M | $2.41B | $3.08B | $3.33B | $4.32B | $4.57B | $2.81B | $1.84B | $361.16M |
| Net Debt | -$901.83M | -$925.56M | -$1.2B | -$846.84M | -$257.13M | $464.15M | $2.17B | $2.71B | $2.93B | $3.81B | $3.95B | $1.94B | $1.79B | $328.96M |
Cash Flow Statement
| Period | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 | FY 2014 | FY 2013 | FY 2011 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Currency | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2011-12-31 |
| Operating Activities | ||||||||||||||
| Net Income | $135.68M | $51.33M | $38.94M | $289.69M | $18.58M | -$187.54M | -$30.69M | -$128.15M | -$154.04M | -$145.97M | -$5M | -$32.89M | $7.31M | -$11.94M |
| Depreciation & Amortization | $62.89M | $53.3M | $47.2M | $43.83M | $44.28M | $54.03M | $62.15M | $54.76M | $46.21M | $29.88M | $21.58M | $10.26M | $1.66M | $150K |
| Deferred Income Tax | $0 | $0 | $0 | -$143.5M | $0 | -$27.43M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Stock-Based Compensation | $34.29M | $40.07M | $52.39M | $66.36M | $66.76M | $61.53M | $73.64M | $75.09M | $70.98M | $69.24M | $51.22M | $37.15M | $6.49M | $660K |
| Changes in Working Capital: | ||||||||||||||
| Accounts Receivable | $0 | $0 | $54.89M | $0 | $0 | -$5.05M | -$16.3M | -$3.79M | $6.29M | -$2.22M | -$14.01M | -$8.4M | -$10.69M | -$2.39M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Accounts Payable | $0 | $0 | $0 | $0 | $0 | -$11.61M | -$5.68M | -$16.38M | -$12.49M | $8.91M | $12.68M | $11.58M | $12.85M | $3.22M |
| Other Working Capital | $33.29M | $15.96M | -$87.75M | -$37.6M | $16.64M | -$79.89M | -$54.13M | -$41.51M | $88.24M | $17.32M | $14.63M | $29.96M | -$16.94M | -$1.11M |
| Total Working Capital Change | $33.29M | $15.96M | -$32.85M | -$37.6M | $16.64M | -$96.54M | -$76.11M | -$61.67M | $82.04M | $24.02M | $13.3M | $33.14M | -$14.79M | -$278K |
| Other Non-Cash Items | -$2.99B | -$2.79B | -$1.24B | $156.78M | $93.61M | $613.98M | -$299.63M | -$579.77M | -$618.57M | $23.37M | -$6.37M | $2.26M | $465K | $326K |
| Net Cash from Operating | -$2.73B | -$2.63B | -$1.14B | $375.57M | $239.87M | $418.03M | -$270.64M | -$639.74M | -$573.39M | $545K | $74.74M | $49.92M | $1.14M | -$11.09M |
| Investing Activities | ||||||||||||||
| Capital Expenditures | -$140.34M | -$54.3M | -$59.51M | -$69.48M | -$34.41M | -$31.15M | -$50.67M | -$52.98M | -$44.62M | -$51.84M | -$39.39M | -$20.57M | -$10.44M | -$383K |
| Acquisitions | $0 | $0 | $0 | $0 | $522.89M | $418.58M | $0 | $0 | $0 | $0 | $0 | -$109.46M | $0 | $0 |
| Purchases of Investments | -$30.45M | -$49.79M | -$61.65M | -$222.53M | -$100.47M | -$53.74M | -$144.48M | -$136.44M | -$139.77M | -$85.98M | -$419.17M | $0 | $0 | $0 |
| Sales of Investments | $1.79B | $938.41M | $97.71M | $86.08M | $249.59M | $231.68M | $236.53M | $200.7M | $363.08M | $87.16M | $120.42M | $0 | $0 | $0 |
| Other Investing Activities | $316.19M | -$226.51M | $540.14M | -$2.6B | -$1.09B | $400K | $612.39M | $867.45M | $819.88M | -$275.21M | -$2.07B | -$1.13B | -$1.11B | -$218.42M |
| Net Cash from Investing | $1.93B | $607.81M | $516.7M | -$2.81B | -$454.41M | $565.77M | $653.77M | $878.74M | $998.57M | -$325.88M | -$2.41B | -$1.26B | -$1.12B | -$218.81M |
| Financing Activities | ||||||||||||||
| Debt Repaid | - | $19.2M | $111.99M | -$2.83B | -$446.58M | $316.35M | $655.42M | $223.26M | $480.81M | -$262.95M | -$2.03B | -$1.1B | -$1.11B | -$215.15M |
| Common Stock Issuance | $0 | $0 | $0 | $0 | $0 | $0 | $2.41M | $5.23M | $5.61M | $5.24M | $5.09M | $827.68M | $0 | $158K |
| Common Stock Repurchases | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | -$19.48M | $0 | $0 | $0 | $0 |
| Dividends Paid | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Financing Activities | -$22.09M | -$13.67M | -$19.83M | -$9.03M | -$9.29M | -$8.95M | -$29.18M | -$21.2M | $893K | $65.77M | $45.63M | $37.23M | $3.95M | $701K |
| Net Cash from Financing | $747.82M | $1.71B | $789.57M | $2.8B | $349.64M | -$842.44M | -$540.06M | -$239.23M | -$474.31M | $314.48M | $2.09B | $2.03B | $1.12B | $247.8M |
| Forex Effect | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Net Change in Cash | -$46.96M | -$316.75M | $169.66M | $360.9M | $135.1M | $141.36M | -$156.94M | -$231K | -$49.12M | -$10.85M | -$246.25M | $820.48M | -$3.25M | $17.91M |
| Supplementary Data | ||||||||||||||
| Operating Cash Flow | -$2.73B | -$2.63B | -$1.14B | $375.57M | $239.87M | $418.03M | -$270.64M | -$639.74M | -$573.39M | $545K | $74.74M | $49.92M | $1.14M | -$11.09M |
| Capital Expenditure | -$140.34M | -$54.3M | -$59.51M | -$69.48M | -$34.41M | -$31.15M | -$50.67M | -$52.98M | -$44.62M | -$51.84M | -$39.39M | -$20.57M | -$10.44M | -$383K |
| Free Cash Flow | -$2.87B | -$2.69B | -$1.2B | $306.09M | $205.46M | $386.88M | -$321.31M | -$692.72M | -$618M | -$51.3M | $35.35M | $29.35M | -$9.3M | -$11.47M |
| Cash at Beginning | $977.4M | $1.29B | $1.12B | $763.59M | $628.49M | $487.12M | $644.06M | $644.29M | $693.41M | $704.26M | $869.78M | $49.3M | $52.55M | $13.34M |
| Cash at End | $930.44M | $977.4M | $1.29B | $1.12B | $763.59M | $628.49M | $487.12M | $644.06M | $644.29M | $693.41M | $623.53M | $869.78M | $49.3M | $31.24M |