LendingClub Corp is a company engaged in operating an online lending marketplace platform that connects borrowers and investors for the provision of the loan facility. It offers investors access to an asset class that has generally been closed to many investors and only available on a limited basis to institutional investors. The company through the platform offers loan products such as personal, education and patient finance, small business, and auto to interested investors. It generates a majority of the revenue from the transaction fees received from the platform's role in accepting and decisioning applications on behalf of the bank partners to enable loan originations.
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The chart shows the growth of an initial investment of $10,000 in LendingClub Corporation, comparing it to the performance of the S&P 500 index.
All prices have been adjusted for splits and dividends.
LendingClub Corporation (LC) has returned -24.95% so far this year and 78.33% over the past 12 months. Looking at the last ten years, LC has achieved an annualized return of -9.80%, underperforming the Benchmark (SPY), which averaged 12.23% per year.
The table below presents the monthly returns of LendingClub Corporation (LC) with color gradation from worst to best to easily spot seasonal factors.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -11.37% | -10.61% | -0.97% | -1.98% | ||||||||
| 2025 | -17.94% | -1.01% | -19.44% | -4.40% | 2.45% | 20.30% | 30.57% | 12.69% | -8.49% | 15.01% | 3.61% | 5.99% |
| 2024 | 5.13% | -9.99% | 7.85% | -14.84% | 6.19% | -5.47% | 48.40% | -2.33% | -3.71% | 24.06% | 16.61% | 0.25% |
| 2023 | 7.79% | -1.88% | -22.89% | 14.05% | 19.34% | -13.51% | -16.45% | -13.60% | -14.78% | 22.33% | 40.06% | |
| 2022 | -24.78% | -2.31% | -16.64% | -4.15% | 3.76% | -25.54% | 19.40% | -4.60% | -15.13% | -5.67% | -6.61% | -15.55% |
| 2021 | 5.65% | -1.91% | 46.98% | -7.57% | -2.55% | 17.35% | 33.85% | 24.24% | -8.96% | 61.60% | -30.65% | -28.97% |
| 2020 | -8.44% | -6.46% | -28.38% | 2.82% | -27.01% | -14.15% | 14.22% | 2.70% | -9.94% | -1.68% | 68.71% | 28.62% |
| 2019 | 22.69% | -7.48% | 3.00% | 4.26% | -6.25% | 10.07% | -4.95% | -11.25% | 0.69% | -4.31% | 7.97% | -9.08% |
| 2018 | -11.59% | -13.93% | 11.46% | -23.14% | 23.22% | 13.81% | 10.16% | -12.59% | 7.48% | -16.54% | 5.21% | -24.64% |
| 2017 | 17.08% | -14.29% | 0.73% | 6.95% | -8.49% | 0.73% | -7.99% | 21.37% | -1.46% | -6.72% | -24.39% | -5.06% |
| 2016 | -3.66% | -40.13% | -8.90% | 5.72% | 17.61% | 13.81% | -19.44% | 15.04% | -7.08% |
The charts below present risk-adjusted performance metrics for LendingClub Corporation (LC) and compare them to a Benchmark (SPY). These indicators evaluate an investment's returns against its associated risks.
The Sharpe ratio helps investors understand how much return they're getting for the level of risk taken. A higher Sharpe ratio indicates better risk-adjusted performance, meaning more reward for each unit of risk.
These values reflect how efficiently the investment has delivered returns relative to its volatility over different time periods. All figures are annualized and based on daily total returns.
The chart below shows the rolling Sharpe ratio of LC compared to the benchmark. This view highlights how the investment's risk-adjusted performance has changed over time.
The current LendingClub Corporation volatility is 2.58%, representing the standart deviation of percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.
The Drawdowns chart displays portfolio losses from any high point along the way. It shows the maximum percentage drop from a peak to a trough over a specified period, indicating the risk of significant losses.
Although chart shows positive values, it represents the percentage drop from the peak, so a value of 10% means the portfolio has dropped 10% from its highest point.
The income statement provides a summary of a company's revenues, expenses, and profits over a specific period. It shows how much money the company earned (revenues) and how much it spent (expenses), leading to the net income or profit. This statement is crucial for understanding a company's financial performance and profitability.
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Liabilities And Equity (USD) | 11.57B | 10.63B | 8.83B | 7.98B | 4.90B | 1.86B | 2.98B | 3.82B | 4.64B | 5.56B | 5.79B | 3.89B |
| Equity Attributable To Parent (USD) | 1.50B | 1.34B | 1.25B | 1.16B | 850.24M | 724.17M | 900.19M | 869.20M | 922.50M | 975.77M | 1.04B | 973.22M |
| Equity Attributable To Noncontrolling Interest (USD) | - | - | - | - | - | - | - | 1.78M | 5.26M | - | - | - |
| Equity (USD) | 1.50B | 1.34B | 1.25B | 1.16B | 850.24M | 724.17M | 900.19M | 870.98M | 927.76M | 975.77M | 1.04B | 973.22M |
| Long-term Debt (USD) | - | - | - | - | - | - | - | - | - | - | - | - |
| Noncurrent Liabilities (USD) | - | - | - | - | - | - | - | - | - | - | - | - |
| Current Liabilities (USD) | 10.07B | 9.29B | 7.58B | 6.82B | 4.05B | 1.14B | 2.08B | 2.95B | 3.71B | 4.59B | 4.75B | 2.92B |
| Liabilities (USD) | 10.07B | 9.29B | 7.58B | 6.82B | 4.05B | 1.14B | 2.08B | 2.95B | 3.71B | 4.59B | 4.75B | 2.92B |
| Intangible Assets (USD) | 7.42M | 8.59M | 12.14M | 16.33M | 21.18M | - | - | - | - | - | - | - |
| Fixed Assets (USD) | 254.09M | 167.53M | 161.52M | 136.47M | 98.00M | 96.64M | 114.37M | 113.88M | 101.93M | 89.26M | 55.93M | 27.05M |
| Noncurrent Assets (USD) | - | - | - | - | - | - | - | - | - | - | - | - |
| Current Assets (USD) | 11.57B | 10.63B | 8.83B | 7.98B | 4.90B | 1.86B | 2.98B | 3.82B | 4.64B | 5.56B | 5.79B | 3.89B |
| Assets (USD) | 11.57B | 10.63B | 8.83B | 7.98B | 4.90B | 1.86B | 2.98B | 3.82B | 4.64B | 5.56B | 5.79B | 3.89B |
SoFi Technologies closed down 1.09% at $17.18 on March 18, 2026, as investors weighed the company's rebuttal to a Muddy Waters short report against CEO Anthony Noto's $500,000 insider stock purchase. The broader market declined with the S&P 500 falling 1.37% and Nasdaq dropping 1.46%. Other fintech lenders also struggled, with LendingClub and Upstart posting significant losses.
SoFi Technologies rose 1.22% to $18.61 on March 3, 2026, driven by a deepened stablecoin partnership with Mastercard and CEO Anthony Noto's $1 million insider share purchase. Under the partnership, SoFi's stablecoin (SoFiUSD) will be offered as a settlement option across Mastercard's payment network. The broader market declined, with the S&P 500 falling 0.94% and Nasdaq dropping 1.02%.
LendingClub shares fell nearly 13% despite beating Q4 2025 earnings expectations with $0.35 EPS and $267M revenue, and providing 2026 guidance that exceeded Wall Street consensus. The stock decline appears driven by investor disappointment that a significant accounting change (shifting loans to held-for-sale accounting) didn't result in even stronger forward guidance than provided.
LendingClub revealed medium-term financial targets at its Investor Day, projecting 20-30% annual originations growth, expanding to $18-22 billion in annual originations and potentially reaching $450 million in earnings by 2028, making the stock appear significantly undervalued.
LendingClub reported strong Q3 earnings with 37% loan origination growth, benefiting from its digital banking transformation and potential refinancing opportunities as interest rates decline.
LendingClub reported strong Q2 2025 financial performance, with GAAP earnings per share of $0.33, beating analyst estimates. The company saw 33% revenue growth, 154% EPS growth, and $2.4 billion in loan originations, demonstrating robust marketplace banking operations.
Digital consumer bank LendingClub reported impressive Q2 earnings, beating Wall Street estimates with $0.33 EPS and $248.5 million revenue. The company saw 154% year-over-year EPS growth and raised its quarterly originations guidance to $2.55 billion.
LendingClub, a personal loan provider, had to adapt quickly during the recent economic downturn, but its innovative strategies, such as the Structured Loan Certificate program, have positioned the company to thrive as interest rates normalize.
LendingClub, a consumer lender, is well-positioned to benefit from falling interest rates and record-high credit card debt. The company has developed products to help consumers consolidate their debts, which could drive growth in its lending business.
LendingClub, a small-cap fintech company, reported strong Q3 earnings, with revenue and net income beating estimates. The company's banking license and ability to navigate the high-interest rate environment give it an advantage over competitors, making it an attractive option for investors.