LendingClub Corp. Reports Strong Q4 2025 Results and Sets 2026 Expansion Targets
Q4 2025 Financial Performance
- Revenue: Increased by 23% year over year.
- Earnings per share (EPS): Quadrupled compared with the previous year.
- Credit metrics: Improved year over year, indicating a healthier loan portfolio.
The company presented these results in its Q4 2025 earnings call held on January 28 2026. The earnings announcement was followed by a brief decline in the stock price, reflecting the company’s forthcoming guidance.
Guidance for 2026
- Loan originations: Management set a target range of $11.6 billion to $12.6 billion for the full year 2026, as announced in a January 29 2026 earnings preview.
- Marketing and product expansion: The company plans to accelerate marketing spend and expand LevelUp product offerings to support the originations target.
LevelUp Product Impact
- Origination growth: LendingClub reported a 40% increase in loan originations attributed to LevelUp products, which have also boosted deposits and customer retention.
- Marketing spend: Although marketing costs rose, the company highlighted that the overall credit quality remained strong.
Market Reaction
- Following the Q1 2026 earnings guidance, which fell below analyst consensus, the share price slid, as noted by multiple market sources on January 28 2026.
- The stock closed on January 27 2026 at $19.57, with a 52‑week high of $21.67 and a low of $7.90.
Company Profile
LendingClub Corp. is a consumer‑finance company headquartered in San Francisco that connects credit‑worthy borrowers with independent investors through an online platform. The firm went public on the New York Stock Exchange on December 11, 2014, and currently trades under the ticker LC. With a market capitalization of approximately $2.4 billion, the company maintains a price‑to‑earnings ratio of 23.67.
These developments underscore LendingClub’s focus on expanding loan originations through product innovation and marketing investments while maintaining disciplined credit standards.
