LendingClub Announces Q3 Earnings Per Share of 37 Cents, Exceeding Consensus Estimate of 31 Cents
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Oct 22 2025
0mins
Should l Buy LC?
Q3 Financial Performance: The company reported a net interest margin of 6.18%, an increase from 5.63% the previous year, and a tangible book value per share of $11.95, up from $11.19.
Capital Ratios: The common equity Tier 1 capital ratio improved to 18.0%, compared to 17.5% in the prior quarter.
Growth Metrics: There was a 37% growth in originations and a 32% increase in revenue, with diluted earnings per share nearly tripling, leading to a return on tangible common equity (ROTCE) of over 13%.
CEO's Outlook: CEO Scott Sanborn highlighted the company's innovative products, strong member base, and resilient balance sheet as key factors for sustainable growth and expressed optimism about future opportunities.
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Analyst Views on LC
Wall Street analysts forecast LC stock price to rise
9 Analyst Rating
8 Buy
1 Hold
0 Sell
Strong Buy
Current: 16.720
Low
20.00
Averages
23.00
High
26.00
Current: 16.720
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.
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- Simplified Accounting Policy: This year, LendingClub adopted the fair value option for accounting, streamlining loan processing and aligning revenue recognition with loss timing, which enhances transparency and could bolster institutional investor confidence.
- Increased Loan Origination Targets: Management has set a loan origination target of $12.1 billion for this year, with a long-term goal of ramping up to $18 billion to $22 billion, which could significantly enhance profitability and market competitiveness, driving stock price appreciation.
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- Accounting Policy Change: This year, LendingClub adopted the fair value option for loan accounting, simplifying its financial reporting and aligning revenue recognition with loss timing, which could enhance transparency and attract institutional investors.
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