For the quarter ended June 2025, LendingClub (LC) reported revenue of $248.44 million, up 32.7% over the same period last year. EPS came in at $0.33, compared to $0.13 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $225.75 million, representing a surprise of +10.05%. The company delivered an EPS surprise of +120%, with the consensus EPS estimate being $0.15.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how LendingClub performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Net Interest Margin: 6.1% versus 5.8% estimated by two analysts on average.
- Net charge-off ratio: 3% versus the two-analyst average estimate of 4.8%.
- Efficiency Ratio: 62.3% compared to the 65.9% average estimate based on two analysts.
- Average Balance - Total interest-earning assets: $10.05 billion compared to the $10.24 billion average estimate based on two analysts.
- Total Interest Income: $237.1 million versus the five-analyst average estimate of $231.29 million.
- Net Interest Income: $154.25 million compared to the $147.78 million average estimate based on four analysts.
- Total non-interest income: $94.19 million compared to the $79.54 million average estimate based on four analysts.
- Non-Interest Income- Other non-interest income: $4.54 million versus $2.32 million estimated by four analysts on average.
- Non-Interest Income- Marketplace revenue: $89.64 million compared to the $77.21 million average estimate based on four analysts.
- Total Interest Income- Other interest income: $7.11 million versus $9.31 million estimated by two analysts on average.
- Total Interest Income- Interest on loans held for sale: $32.49 million versus the two-analyst average estimate of $27.89 million.
- Total Interest Income- Interest on securities available for sale: $55.34 million versus $55.32 million estimated by two analysts on average.
View all Key Company Metrics for LendingClub here>>>
Shares of LendingClub have returned +7.7% over the past month versus the Zacks S&P 500 composite's +3.6% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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LendingClub Corporation (LC): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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