LendingClub Corp (LC) Financials

$19.61

$19.44 (11,235.26%)

As on 13-Jul-2026 09:30EDT

Market cap

$2,216 Mln

Revenue (TTM)

$1,296 Mln

P/E Ratio

12.8

P/B Ratio

1.6

Div. Yield

0 %

Income Statement ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Operating Revenue	1,296.11	1,334.72	1,160.93	1,135.41	1,269.73	898.63
Cost of Revenue	424.76	470.96	552.18	514.36	349.84	218.80
Gross Profit	871.36	863.76	608.74	621.05	919.89	679.83
Operating Expenses	671.64	530.06	543.68	566.44	766.85	661.39
Operating Profit (EBIT)	199.72	333.69	65.07	54.62	153.04	18.44
Other Income	--	--	--	--	--	--
Profit before Tax	228.58	176.95	65.07	54.62	153.04	18.44
Provision for Tax	52.97	41.27	13.74	15.68	-136.65	-0.14
Profit after Tax (Net Income)	175.61	135.68	51.33	38.94	289.69	18.58
Minority Interest	--	--	--	--	--	--
Consolidated Profit	124.01	135.68	51.33	38.94	289.69	18.58

Liabilities ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Shareholder's Funds	1,523.53	1,500.43	1,341.73	1,251.82	1,164.29	850.24
Minority Interest	--	--	--	--	--	--
Non-Current Liabilities	10,411.84	10,059.42	119.58	150.71	322.11	785.54
Current Liabilities	4.47	9,933.14	9,169.20	7,424.93	6,493.35	3,264.54
Total Liabilities	11,944.31	11,567.82	10,630.51	8,827.46	7,979.75	4,900.32

Assets ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Non-Current Assets	11,070.00	10,593.46	6,160.08	5,877.26	6,385.80	3,800.51
Current Assets	869.84	974.36	4,470.43	2,950.20	1,593.95	1,099.81
Total Assets	12,809.68	11,567.82	10,630.51	8,827.46	7,979.75	4,900.32
Total Debt*	59.74	15.83	28.50	57.22	210.19	429.99
Net Current Assets	--	--	--	--	--	--

Cashflow ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Cash From Operating Activities	--	-2,726.94	-2,634.17	-1,136.60	375.57	239.87
Cash Flow from Investing Activities	--	1,932.16	607.81	516.70	-2,809.80	-454.41
Cash from Financing Activities	--	747.82	1,709.61	789.57	2,795.13	349.64
Net Cash Inflow / Outflow	--	--	--	--	360.90	135.10

Financials Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Adjusted EPS ($)	1.49	1.14	0.44	0.35	2.73	0.17
Cash EPS ($)	--	1.67	0.90	0.78	3.15	0.58
Adjusted Book Value ($)	--	12.62	11.53	11.39	10.99	7.87
Dividend per Share ($)	--	--	--	--	--	--
Cash Flow per Share ($)	--	-22.94	-22.63	-10.34	3.54	2.22
Free Cash Flow per Share ($)	--	-24.12	-23.10	-10.88	2.89	1.90

Profitability Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
ROCE (%)	--	9.40	3.83	2.90	21.82	1.24
ROE (%)	11.76	9.55	3.96	3.22	28.76	2.36
ROA (%)	1.45	1.22	0.53	0.46	4.50	0.55
EBIT Margin (%)	15.41	22.94	5.60	4.81	12.05	2.05
Net Margin (%)	13.55	10.17	4.42	3.43	22.81	2.07
Cash Profit Margin (%)	--	--	--	--	--	--

Growth Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Revenue Growth (%)	8.41	0.15	0.02	-0.11	0.41	0.97
EBIT Growth (%)	210.93	370.61	19.13	-64.31	729.74	109.83
Net Profit Growth (%)	16.18	164.32	31.82	-86.56	1,459.12	109.91
EPS Growth (%)	236.06	1.59	0.25	-0.87	14.90	1.07
Book Value Growth (%)	10.55	--	--	--	--	--

Valuation Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Price / Earnings	12.81	16.59	36.71	24.68	3.22	140.68
Price / Book Value	1.56	1.50	1.40	0.77	0.80	3.07
Dividend Yield (%)	--	--	--	--	--	--
EV/EBITDA	18.63	-6.37	-21.07	-18.22	-1.32	33.37
Close Price ($)	14.32	18.94	16.19	8.74	8.80	24.18
High Price ($)	21.67	20.93	18.75	10.92	26.87	49.21
Low Price ($)	7.90	7.90	7.48	4.73	8.24	9.26
Market Cap ($ Cr)	2,215.89	--	--	--	--	--

Solvency Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Debt to Equity	--	0.01	0.02	0.05	0.18	0.51
Short term debt to equity ratio	0.00	0.01	0.01	0.00	0.00	0.03
Current Ratio	194.64	0.10	0.49	0.40	0.25	0.34
Quick Ratio	194.64	--	--	--	0.08	0.15
Interest Coverage	1.67	0.91	0.17	0.20	1.85	0.23

Operating Efficiency Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Debtors to sales (%)	3.47	3.29	3.48	3.15	15.06	16.60
Asset Turnover	0.11	0.12	0.12	0.14	0.20	0.27
Receivable days	--	11.54	11.98	36.51	48.96	33.45
Inventory Days	--	--	--	776.56	891.62	1,037.42
Payable days	--	64.16	43.90	54.25	103.96	123.41
Cash Conversion Cycle	--	--	--	758.83	836.62	947.46

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Income Statement ($ Mln)