LendingClub Issues Soft Q1 2026 Earnings Guidance Amid Strong Q4 Results
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 29 Jan 26
Source: seekingalpha
LendingClub Corp's stock fell 12.01% as it hit a 20-day low, reflecting investor concerns following its earnings guidance.
The company projected Q1 2026 GAAP EPS between $0.34 and $0.39, which is below the $0.30 average analyst estimate, leading to an 8.3% drop in after-hours trading. Despite a strong Q4 performance with a 40% year-over-year increase in loan originations to $2.6 billion, the soft guidance raised concerns about future profitability.
This guidance indicates potential challenges in sustaining profit growth, even as the company maintains a positive outlook for future loan originations and product innovations.
Analyst Views on LC
Wall Street analysts forecast LC stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for LC is 23.00 USD with a low forecast of 20.00 USD and a high forecast of 26.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
9 Analyst Rating
8 Buy
1 Hold
0 Sell
Strong Buy
Current: 19.570
Low
20.00
Averages
23.00
High
26.00
Current: 19.570
Low
20.00
Averages
23.00
High
26.00
About LC
LendingClub Corporation is a bank holding company. The Company 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. It 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.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
