Summary
8LCA Chart
LendingClub: Lowering Price Target But Reiterating Buy
LendingClub delivered solid 1Q25 results, beating revenue estimates but missing EPS due to higher-than-expected credit provisioning, resulting from the ongoing tariff saga. Despite some broader concerns about a looming recession/stagflation, the capital markets appear to be on solid footing. I am lowering earnings estimates, but still expect strong EPS growth this year and in 2026.
LendingClub: Already Pricing In Major Economic Weakness
LendingClub Corporation beat Q1 '25 revenue estimates, but extra provision charges for potential macroeconomic weakness led to a slight EPS miss. The fintech plans to grow loan originations, aiming for up to $2.3 billion in Q2, with the potential to double quarterly originations based on TAM growth. LC stock, trading at $10, is undervalued trading below TBV and at only 7x '26 EPS targets.
Compared to Estimates, LendingClub (LC) Q1 Earnings: A Look at Key Metrics
The headline numbers for LendingClub (LC) give insight into how the company performed in the quarter ended March 2025, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.
LendingClub Corporation Dividends
LendingClub Corporation Earnings
| 28 Apr 2025 Date | | - Cons. EPS | - EPS |
| 28 Jan 2025 Date | | 0.09 Cons. EPS | 0.08 EPS |
| 23 Oct 2024 Date | | 0.07 Cons. EPS | 0.13 EPS |
| 30 Jul 2024 Date | | 0.04 Cons. EPS | 0.13 EPS |
| 24 Jul 2024 Date | | 0.04 Cons. EPS | - EPS |
| 28 Apr 2025 Date | | - Cons. EPS | - EPS |
| 28 Jan 2025 Date | | 0.09 Cons. EPS | 0.08 EPS |
| 23 Oct 2024 Date | | 0.07 Cons. EPS | 0.13 EPS |
| 30 Jul 2024 Date | | 0.04 Cons. EPS | 0.13 EPS |
| 24 Jul 2024 Date | | 0.04 Cons. EPS | - EPS |
LendingClub Corporation (8LCA) FAQ
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LendingClub Corporation Profile
| Financial - Credit Services Industry | Financial Services Sector | Mr. Scott C. Sanborn CEO | XMUN Exchange | US52603A2087 ISIN |
| US Country | 1,002 Employees | - Last Dividend | 8 Jul 2019 Last Split | 11 Dec 2014 IPO Date |
Overview
LendingClub Corporation, established in 2006 and based in San Francisco, California, marks its presence as a prominent bank holding company within the United States. The company has carved out a niche in the financial products and services sector, catering to a wide range of customer needs through its comprehensive offerings. Over the years, LendingClub has evolved, expanding its services beyond traditional banking products to include an innovative online lending marketplace platform, showcasing its adaptability and commitment to meeting the diverse financial needs of its clients.
Products and Services
LendingClub Corporation offers a broad spectrum of financial products and services designed to accommodate the various requirements of its clients. These offerings include:
- Deposit Products: The company provides a variety of deposit products aimed at ensuring the safekeeping and growth of clients' funds. These products include:
- Savings Accounts: Secure and flexible options for saving funds, offering competitive interest rates to help customers grow their savings over time.
- Checking Accounts: Convenient everyday banking solutions with features designed for easy access and management of funds.
- Certificates of Deposit: Fixed-term deposit accounts that offer higher interest rates compared to regular savings accounts, ideal for customers looking to safely invest their money for a specific period.
- Loan Products: LendingClub offers a variety of loan products tailored to meet the financial needs and goals of its clients. These products include:
- Consumer Loans: Includes unsecured personal loans for a wide range of purposes such as debt consolidation, home improvements, or major purchases. Secured auto refinance loans provide options for clients looking to better manage their existing auto loan expenses. Additionally, the company caters to specific financial needs through patient and education finance loans, offering tailored solutions for medical and educational expenses.
- Commercial Loans: Offers small business loans designed to support the growth and operational needs of small businesses, enabling them to thrive and expand.
- Online Lending Marketplace Platform: Beyond traditional banking services, LendingClub operates an innovative online marketplace platform. This platform connects borrowers with investors, facilitating personal and commercial loans outside the conventional banking system. This peer-to-peer lending approach provides an alternative financing route for both borrowers seeking competitive loan rates and investors looking for investment opportunities.
Contact Information
