LendingClub (LC) reported $266.47 million in revenue for the quarter ended December 2025, representing a year-over-year increase of 22.7%. EPS of $0.35 for the same period compares to $0.11 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $262.33 million, representing a surprise of +1.58%. The company delivered an EPS surprise of +2.94%, with the consensus EPS estimate being $0.34.
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:
- Efficiency Ratio: 63.5% versus 63.1% estimated by two analysts on average.
- Average Balance - Total interest-earning assets: $10.9 billion versus $10.49 billion estimated by two analysts on average.
- Net charge-off ratio: 3.7% versus 4.1% estimated by two analysts on average.
- Net Interest Margin: 6% versus 6.1% estimated by two analysts on average.
- Total Interest Income: $250.59 million versus $243.26 million estimated by four analysts on average.
- Total non-interest income: $103.44 million compared to the $100.25 million average estimate based on three analysts.
- Non-Interest Income- Other non-interest income: $4.94 million versus the three-analyst average estimate of $5.32 million.
- Net Interest Income: $163.03 million versus $160.4 million estimated by three analysts on average.
- Non-Interest Income- Marketplace revenue: $98.5 million versus the three-analyst average estimate of $94.92 million.
View all Key Company Metrics for LendingClub here>>>
Shares of LendingClub have returned +8.1% over the past month versus the Zacks S&P 500 composite's +0.8% 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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