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LendingClub Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary28 Jan, 2026
Executive summary
Achieved one of the best years in company history, with Q4 2025 originations up 40% to $2.6B and full-year originations up 33% to nearly $10B, driven by strong investor demand and product engagement.
Q4 2025 GAAP net income was $41.6M, with diluted EPS up 338% year-over-year to $0.35 and ROTCE at 11.9%.
Continued product innovation, marketing expansion, and improved marketplace pricing fueled growth and profitability.
Book value per common share increased to $13.01, and tangible book value per share rose to $12.30.
Entered home improvement financing through technology acquisition and new partnerships.
Financial highlights
Q4 2025 total net revenue was $266.5M, up 23% year-over-year; full-year 2025 revenue reached $998.8M, up 27%.
Net interest income rose 14% year-over-year to $163M, and non-interest income grew 38% to $103M in Q4 2025.
Net interest margin expanded to 6% in Q4 2025, up 56 basis points year-over-year.
Non-interest expense was $169M in Q4 2025, up 19% year-over-year, mainly due to increased marketing spend.
Q4 2025 net income before taxes was $50M, with full-year net income at $136M and diluted EPS of $1.16.
Outlook and guidance
Q1 2026 loan originations expected at $2.55B–$2.65B, with diluted EPS guidance of $0.34–$0.39.
Full-year 2026 originations projected at $11.6B–$12.6B, with EPS expected at $1.65–$1.80 and a near-term ROTCE target of 13%–15%.
Guidance assumes a stable economic environment and Fed funds rate near 3% at year-end.
Transitioning to fair value accounting for all loans in 2026, expected to accelerate earnings recognition.
Investments in marketing and new business lines expected to drive growth, with expenses moderating in the second half of 2026.
Home improvement financing: growth contribution?
What drives 40% credit outperformance?
Reconcile capital-light model with asset growth.
Explain 2026 efficiency ratio trajectory
Home improvement financing launch status
Marketing spend efficiency and future growth
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Next LendingClub earnings date
Q1 202628 Apr, 2026
LendingClub
Next LendingClub earnings date
Q1 202628 Apr, 2026
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Frequently asked questions
LendingClub Corp is a financial technology company that provides personal loans, auto refinancing, and deposit products through an online platform. It operates as a digital marketplace bank, combining traditional banking services with technology-driven credit evaluation and loan origination. The company serves individuals seeking to consolidate debt or manage expenses. LendingClub Corp is headquartered in San Francisco, California, and its shares are listed on the NYSE.
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