For the quarter ended September 2025, LendingClub (LC) reported revenue of $266.23 million, up 31.9% over the same period last year. EPS came in at $0.37, compared to $0.13 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $256.72 million, representing a surprise of +3.7%. The company delivered an EPS surprise of +23.33%, with the consensus EPS estimate being $0.30.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
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: 6.2% versus 6.1% estimated by two analysts on average.
- Net charge-off ratio: 2.9% compared to the 4.1% average estimate based on two analysts.
- Efficiency Ratio: 61.1% compared to the 63.3% average estimate based on two analysts.
- Average Balance - Total interest-earning assets: $10.26 billion compared to the $10.67 billion average estimate based on two analysts.
- Total Interest Income: $241.8 million compared to the $246.62 million average estimate based on four analysts.
- Net Interest Income: $158.44 million compared to the $162.75 million average estimate based on three analysts.
- Non-Interest Income- Other non-interest income: $5.64 million compared to the $3.45 million average estimate based on three analysts.
- Total non-interest income: $107.79 million versus $94.04 million estimated by three analysts on average.
- Non-Interest Income- Marketplace revenue: $102.16 million compared to the $90.59 million average estimate based on three analysts.
View all Key Company Metrics for LendingClub here>>>
Shares of LendingClub have returned -2.4% over the past month versus the Zacks S&P 500 composite's +1.1% change. The stock currently has a Zacks Rank #1 (Strong Buy), indicating that it could outperform 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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