What's Next: LendingClub's Earnings Preview
LendingClub (NYSE:LC) will release its quarterly earnings report on Wednesday, 2026-01-28. Here's a brief overview for investors ahead of the announcement.
Analysts anticipate LendingClub to report an earnings per share (EPS) of $0.34.
LendingClub bulls will hope to hear the company announce they've not only beaten that estimate, but also to provide positive guidance, or forecasted growth, for the next quarter.
New investors should note that it is sometimes not an earnings beat or miss that most affects the price of a stock, but the guidance (or forecast).
Historical Earnings Performance
During the last quarter, the company reported an EPS beat by $0.07, leading to a 10.47% increase in the share price on the subsequent day.
Here's a look at LendingClub's past performance and the resulting price change:
| Quarter | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|
| EPS Estimate | 0.30 | 0.15 | 0.11 | 0.09 |
| EPS Actual | 0.37 | 0.33 | 0.10 | 0.08 |
| Price Change % | 10.00 | 21.00 | -11.00 | -14.00 |
Market Performance of LendingClub's Stock
Shares of LendingClub were trading at $21.31 as of January 26. Over the last 52-week period, shares are up 43.9%. Given that these returns are generally positive, long-term shareholders should be satisfied going into this earnings release.
Analyst Opinions on LendingClub
Understanding market sentiments and expectations within the industry is crucial for investors. This analysis delves into the latest insights on LendingClub.
Analysts have provided LendingClub with 5 ratings, resulting in a consensus rating of Outperform. The average one-year price target stands at $23.2, suggesting a potential 8.87% upside.
Peer Ratings Overview
In this comparison, we explore the analyst ratings and average 1-year price targets of and Jefferson Capital, three prominent industry players, offering insights into their relative performance expectations and market positioning.
- Analysts currently favor an Outperform trajectory for Jefferson Capital, with an average 1-year price target of $27.33, suggesting a potential 28.25% upside.
Comprehensive Peer Analysis Summary
In the peer analysis summary, key metrics for and Jefferson Capital are highlighted, providing an understanding of their respective standings within the industry and offering insights into their market positions and comparative performance.
| Company | Consensus | Revenue Growth | Gross Profit | Return on Equity |
|---|---|---|---|---|
| Dave | Outperform | 62.97% | $130.75M | 36.22% |
| Jefferson Capital | Outperform | 36.38% | $102.58M | 8.15% |
Key Takeaway:
LendingClub ranks higher than its peers in Revenue Growth and Gross Profit, indicating strong performance in these areas. However, it lags behind in Return on Equity compared to its peers.
Unveiling the Story Behind LendingClub
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.
LendingClub's Economic Impact: An Analysis
Market Capitalization Analysis: Positioned below industry benchmarks, the company's market capitalization faces constraints in size. This could be influenced by factors such as growth expectations or operational capacity.
Revenue Growth: LendingClub's remarkable performance in 3 months is evident. As of 30 September, 2025, the company achieved an impressive revenue growth rate of 31.88%. This signifies a substantial increase in the company's top-line earnings. As compared to competitors, the company surpassed expectations with a growth rate higher than the average among peers in the Financials sector.
Net Margin: The company's net margin is a standout performer, exceeding industry averages. With an impressive net margin of 16.63%, the company showcases strong profitability and effective cost control.
Return on Equity (ROE): The company's ROE is below industry benchmarks, signaling potential difficulties in efficiently using equity capital. With an ROE of 3.09%, the company may need to address challenges in generating satisfactory returns for shareholders.
Return on Assets (ROA): LendingClub's ROA lags behind industry averages, suggesting challenges in maximizing returns from its assets. With an ROA of 0.41%, the company may face hurdles in achieving optimal financial performance.
Debt Management: With a below-average debt-to-equity ratio of 0.01, LendingClub adopts a prudent financial strategy, indicating a balanced approach to debt management.
To track all earnings releases for LendingClub visit their earnings calendar on our site.
This article was generated by Benzinga's automated content engine and reviewed by an editor.