$LC Market Cap: $1.079 Billion
Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue
$971.6M
TTM
Gross Margin
83.75%
TTM
Net Earnings
$51.33M
TTM
Current Assets
$994.4M
Q4 2024
Current Liabilities
$9.289B
Q4 2024
Current Ratio
10.71%
Q4 2024
Total Assets
$10.63B
Q4 2024
Total Liabilities
$9.289B
Q4 2024
Book Value
$1.342B
Q4 2024
Cash
$977.4M
Q4 2024
P/E
21.02
Apr 15, 2025 EST
Free Cash Flow
-$2.688B
TTM

Revenues

Revenues

Revenue YoY Change

Revenues

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008
Revenue $787.0M $1.135B $1.270B $818.6M $314.7M $758.6M $694.8M $574.5M $500.8M $429.9M $211.1M $98.00M $15.80M $47.80M $19.20M $2.300M $400.0K
YoY Change -30.68% -10.58% 55.1% 160.13% -58.52% 9.18% 20.93% 14.72% 16.48% 103.64% 115.43% 520.38% -66.95% 148.96% 734.78% 475.0%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008
Revenue $787.0M $1.135B $1.270B $818.6M $314.7M $758.6M $694.8M $574.5M $500.8M $429.9M $211.1M $98.00M $15.80M $47.80M $19.20M $2.300M $400.0K
Cost Of Revenue $373.9M $270.8M $82.52M $141.5M $246.6M $385.6M $571.4M $688.4M $549.7M $356.6M $187.4M $56.60M $32.00M $12.70M $1.400M $1.500M
Gross Profit $787.0M $864.6M $1.187B $314.7M $758.6M $694.8M $574.5M $500.8M $429.9M $211.1M $98.00M $28.60M $15.80M $6.400M $800.0K -$1.100M
Gross Profit Margin 100.0% 76.15% 93.5% 100.0% 100.0% 100.0% 99.99% 100.0% 99.99% 99.99% 100.0% 181.05% 33.05% 33.33% 34.78% -275.0%

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operating Profits/Loss YoY Change

Operating Earnings to Gross Profit Ratio

Operating Profit Margin

Operational Expenses

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008
Selling, General & Admin $431.6M $462.0M $658.8M $555.8M $292.1M $517.7M $497.2M $421.5M $423.8M $293.7M $166.8M $71.87M $22.64M $25.00M $15.80M $9.300M $9.100M
YoY Change -6.58% -29.88% 18.53% 90.31% -43.58% 4.13% 17.94% -0.54% 44.31% 76.1% 132.07% 217.42% -9.43% 58.23% 69.89% 2.2%
% of Gross Profit 54.84% 53.43% 55.49% 92.81% 68.25% 71.55% 73.38% 84.63% 68.32% 79.01% 73.34% 79.17% 158.23% 246.88% 1162.5%
Research & Development $139.1M $168.4M $155.3M $142.3M $115.4M $77.06M $38.52M $15.53M $2.700M $2.000M $1.700M $1.900M
YoY Change -17.42% 8.45% 9.13% 23.32% 49.69% 100.07% 148.06% 35.0% 17.65% -10.53%
% of Gross Profit 44.18% 22.2% 22.35% 24.76% 23.03% 17.93% 18.25% 15.84% 17.09% 31.25% 212.5%
Depreciation & Amortization $58.83M $47.20M $43.83M $5.575M $56.53M $62.15M $54.76M $46.21M $29.88M $21.58M $10.26M $1.663M $150.0K $100.0K $100.0K $100.0K $100.0K
YoY Change 24.66% 7.67% 686.21% -90.14% -9.05% 13.49% 18.52% 54.63% 38.48% 110.35% 516.84% 1008.67% 50.0% 0.0% 0.0% 0.0%
% of Gross Profit 7.48% 5.46% 3.69% 17.96% 8.19% 7.88% 8.04% 5.97% 5.02% 4.86% 1.7% 0.52% 0.63% 1.56% 12.5%
Operating Expenses $348.0M $810.0M $1.034B $799.4M $502.3M $789.5M $822.9M $728.0M $651.0M $432.1M $242.6M $90.69M $27.74M $27.80M $17.80M $11.10M $11.00M
YoY Change -57.03% -21.68% 29.37% 59.14% -36.37% -4.06% 13.05% 11.82% 50.66% 78.09% 167.53% 226.93% -0.21% 56.18% 60.36% 0.91%
Operating Profit $439.0M $54.62M $153.0M -$187.6M -$30.90M -$128.1M -$153.5M -$150.2M -$2.205M -$31.53M $7.306M $859.0K -$12.00M -$11.40M -$10.30M -$12.10M
YoY Change 703.75% -64.31% 507.22% -75.88% -16.51% 2.16% 6712.2% -93.01% -531.59% 750.52% -107.16% 5.26% 10.68% -14.88%
Operating Profit To Gross Profit 55.78% 6.32% 12.89% -59.62% -4.07% -18.44% -26.71% -29.99% -0.51% -14.94% 7.46% 3.0% -75.95% -178.13% -1287.5%
Operating Profit To Revenue 55.78% 4.81% 12.05% -59.62% -4.07% -18.44% -26.71% -29.99% -0.51% -14.94% 7.45% 5.44% -25.1% -59.38% -447.83% -3025.0%

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008
Interest Expense $373.9M $270.8M $82.52M $80.00M $150.4M $247.3M $385.6M $571.4M $688.4M $549.7M $356.6M $187.4M $32.03M
YoY Change 38.08% 228.17% 3.14% -46.8% -39.2% -35.87% -32.52% -16.99% 25.22% 54.16% 90.25% 485.22%
% of Operating Profit 85.18% 495.8% 53.92% 2565.66% 3728.75%
Other Income/Expense, Net $43.52M $45.04M $34.53M $37.37M
YoY Change -3.39% 30.44% -7.59%

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008
Pretax Income $65.07M $54.62M $153.0M $18.44M -$187.6M -$30.90M -$128.3M -$153.2M -$150.2M -$2.200M -$31.50M $7.308M -$11.94M -$11.90M -$11.30M -$10.30M -$12.10M
YoY Change 19.13% -64.31% 729.74% -109.83% 507.12% -75.92% -16.25% 2.0% 6727.27% -93.02% -531.09% -161.19% 0.37% 5.31% 9.71% -14.88%
Income Tax $13.74M $15.68M -$136.6M -$136.0K -$79.00K -$201.0K $43.00K $632.0K -$4.228M $2.833M $1.390M $0.00 $0.00 $0.00
% Of Pretax Income 21.11% 28.71% -89.29% -0.74% 0.0%
Net Earnings $51.33M $38.94M $289.7M $18.58M -$187.5M -$30.75M -$128.3M -$153.8M -$146.0M -$4.995M -$32.89M $7.308M -$11.94M -$11.94M -$11.30M -$10.30M -$12.10M
YoY Change 31.82% -86.56% 1459.12% -109.91% 509.98% -76.04% -16.59% 5.39% 2822.3% -84.81% -550.11% -161.19% 0.0% 5.7% 9.71% -14.88%
Net Earnings / Revenue 6.52% 3.43% 22.81% 2.27% -59.59% -4.05% -18.47% -26.78% -29.15% -1.16% -15.58% 7.46% -75.61% -24.99% -58.85% -447.83% -3025.0%
Basic Earnings Per Share $0.46 $0.36 $2.80 -$0.35 -$1.52 -$1.88 -$0.38 -$0.01 -$0.44 $0.00 -$1.36
Diluted Earnings Per Share $0.45 $0.36 $2.785M $0.18 -$2.407M -$0.35 -$1.52 -$1.88 -$0.38 -$0.01 -$0.44 $0.00 -$1.36 -$164.8K -$156.5K -$142.7K -$167.6K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

No data

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008
Cash & Short-Term Investments $954.1M $1.253B $1.057B $687.1M $525.0M $243.8M $373.0M $401.7M $515.6M $623.5M $869.8M $49.30M $52.60M $31.20M $13.30M $2.600M $12.00M
YoY Change -23.83% 18.49% 53.83% 30.88% 115.34% -34.64% -7.14% -22.09% -17.31% -28.32% 1664.3% -6.27% 68.59% 134.59% 411.54% -78.33%
Cash & Equivalents $938.5M $1.238B $1.034B $651.5M $525.0M $243.8M $373.0M $401.7M $515.6M $623.5M $869.8M $49.30M $52.60M $31.20M $13.30M $2.600M $12.00M
Short-Term Investments
Other Short-Term Assets $16.50M $14.90M $25.60M $23.40M $17.00M $16.30M $6.800M $3.500M $1.500M $700.0K $100.0K $200.0K $100.0K
YoY Change 10.74% -41.8% 9.4% 37.65% 4.29% 139.71% 94.29% 133.33% 114.29% 600.0% -50.0% 100.0%
Inventory
Prepaid Expenses
Receivables $10.20M $19.00M $19.30M $10.00M $7.600M $5.000M $1.700M $400.0K $100.0K
Other Receivables $5.200M $12.90M $22.30M $36.10M $41.80M $39.20M $24.50M $34.10M $5.500M
Total Short-Term Assets $994.4M $1.253B $1.057B $687.1M $556.9M $290.6M $440.2M $471.2M $582.0M $684.0M $902.8M $87.30M $59.70M $34.30M $13.50M $2.900M $12.20M
YoY Change -20.6% 18.49% 53.83% 23.38% 91.64% -33.98% -6.58% -19.04% -14.91% -24.24% 934.14% 46.23% 74.05% 154.07% 365.52% -76.23%
Property, Plant & Equipment $188.8M $161.5M $136.5M $175.3M $170.7M $207.9M $113.9M $101.9M $89.30M $55.90M $27.10M $12.60M $1.600M $500.0K $200.0K $100.0K $100.0K
YoY Change 16.91% 18.35% -22.15% 2.7% -17.89% 82.53% 11.78% 14.11% 59.75% 106.27% 115.08% 687.5% 220.0% 150.0% 100.0% 0.0%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments $3.497B $2.290B $1.382B $707.7M $322.4M $1.037B $1.013B $714.6M $297.0M $298.1M $700.0K $200.0K $700.0K $3.300M $5.300M $56.10M $8.400M
YoY Change 52.68% 65.71% 95.27% 119.52% -68.91% 2.36% 41.77% 140.61% -0.37% 42485.71% 250.0% -71.43% -78.79% -37.74% -90.55% 567.86%
Other Assets $160.5M $41.64M $67.45M $76.46M $103.5M $244.8M $273.2M $245.5M $178.8M $80.70M $46.80M $12.20M $7.500M $4.900M $900.0K $1.400M $500.0K
YoY Change 285.39% -38.26% -11.78% -26.13% -57.72% -10.4% 11.28% 37.3% 121.56% 72.44% 283.61% 62.67% 53.06% 444.44% -35.71% 180.0%
Total Long-Term Assets $9.636B $7.575B $6.923B $4.213B $1.306B $2.692B $3.379B $4.170B $4.981B $5.110B $2.987B $1.856B $791.1M $369.0M $156.4M $65.10M $18.90M
YoY Change 27.21% 9.42% 64.31% 222.5% -51.47% -20.35% -18.95% -16.28% -2.52% 71.04% 60.94% 134.62% 114.39% 135.93% 140.25% 244.44%
Total Assets $10.63B $8.827B $7.980B $4.900B $1.863B $2.982B $3.820B $4.641B $5.563B $5.794B $3.890B $1.943B $850.8M $403.3M $169.9M $68.00M $31.10M
YoY Change
Accounts Payable $78.13M $54.62M $98.17M $101.0M $3.700M $10.90M $7.100M $9.400M $10.90M $5.500M $5.900M $4.500M $1.200M $900.0K $300.0K $400.0K $600.0K
YoY Change 43.05% -44.36% -2.77% 2628.97% -66.06% 53.52% -24.47% -13.76% 98.18% -6.78% 31.11% 275.0% 33.33% 200.0% -25.0% -33.33%
Accrued Expenses $28.50M $37.87M $77.29M $91.59M $174.1M $234.6M $149.2M $128.1M $126.6M $95.50M $56.50M $26.90M $10.00M $4.400M $1.500M $800.0K $400.0K
YoY Change -24.74% -51.0% -15.61% -47.39% -25.79% 57.24% 16.47% 1.18% 32.57% 69.03% 110.04% 169.0% 127.27% 193.33% 87.5% 100.0%
Deferred Revenue
YoY Change
Short-Term Debt $9.068B $7.333B $6.393B $3.136B $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change 23.66% 14.72% 103.86%
Long-Term Debt Due $147.6M $57.00M
YoY Change 158.95%
Total Short-Term Liabilities $9.289B $7.333B $6.393B $3.440B $218.1M $490.6M $362.4M $280.8M $4.584B $4.746B $2.915B $1.875B $798.6M $366.6M $151.6M $1.200M $9.200M
YoY Change 26.66% 14.72% 85.84% 1477.14% -55.54% 35.38% 29.06% -93.87% -3.4% 62.81% 55.43% 134.82% 117.84% 141.82% 12533.33% -86.96%
Long-Term Debt $0.00 $19.35M $130.3M $610.3M $894.6M $1.562B $2.564B $3.299B $0.00 $0.00 $0.00 $0.00 $0.00 $400.0K $2.900M $64.50M $9.600M
YoY Change -100.0% -85.14% -78.65% -31.78% -42.73% -39.08% -22.28% -100.0% -86.21% -95.5% 571.88%
Other Long-Term Liabilities $220.5M $222.8M $292.6M $26.50M $29.70M $22.20M $133.3M $2.600M $2.600M $800.0K $0.00 $100.0K
YoY Change -1.01% -23.86% -10.77% 33.78% -83.35% 5026.92% 0.0% 225.0% -100.0%
Total Long-Term Liabilities $220.5M $242.2M $422.9M $610.3M $921.1M $1.592B $2.586B $3.432B $2.600M $2.600M $800.0K $0.00 $0.00 $400.0K $2.900M $64.50M $9.700M
YoY Change -8.93% -42.74% -30.71% -33.74% -42.13% -38.45% -24.65% 131911.54% 0.0% 225.0% -100.0% -86.21% -95.5% 564.95%
Total Liabilities $9.289B $7.576B $6.815B $4.050B $1.139B $2.082B $2.950B $3.718B $4.587B $4.752B $2.917B $1.875B $798.6M $367.0M $154.4M $65.80M $19.00M
YoY Change 22.61% 11.15% 68.28% 255.55% -45.29% -29.42% -20.65% -18.94% -3.47% 62.91% 55.54% 134.82% 117.6% 137.69% 134.65% 246.32%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

No data

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008
Basic Shares Outstanding 111.7M shares 108.5M shares 103.5M shares 87.28M shares 84.58M shares 81.80M shares 387.8M shares 374.9M shares 75.57M shares 51.56M shares 8.781M shares
Diluted Shares Outstanding 113.1M shares 108.5M shares 104.0M shares 102.1M shares 87.28M shares 84.58M shares 81.80M shares 387.8M shares 374.9M shares 75.57M shares 81.43M shares 8.781M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Dividends

Stock Price

Market Cap: $1.0792 Billion

About LendingClub Corp

LendingClub Corp. engages in the operations of digital marketplace bank. The company is headquartered in San Francisco, California and currently employs 1,002 full-time employees. The company went IPO on 2014-10-22. The firm operates its business, through its subsidiary, LendingClub Bank, National Association (LC Bank). LC Bank is the digital marketplace bank in the United States where members can access a range of financial products and services designed to help them pay less when borrowing and earn more when saving. The company offers a suite of deposit and loan products through a smart, simple and rewarding digital experience. LC Bank retains loans and funds those loans directly with its own capital and deposits. LC Bank’s primary loan products include unsecured personal loans, secured auto refinance loans, and patient and education finance loans. LC Bank’s commercial lending business is primarily focused on small businesses, and it participates in the United States small business administration lending programs. LC Bank’s deposit business includes sourcing deposits directly from customers and from third-party marketing channels and deposit brokers.

Industry: Personal Credit Institutions Peers: PROG Holdings Inc Bread Financial Holdings Inc American Express Co Encore Capital Group Inc Enova International Inc Green Dot Corp Nelnet Inc Navient Corp PRA Group Inc Upstart Holdings Inc