1. United States of America Stocks

  2. •

    Financial Services

  3. •

    Financial - Credit Services
LendingClub Corporation

LendingClub Corporation

LC
LendingClub CorporationUS flagNew York Stock Exchange
16.39
USD
-1.11
- -
1.89BMarket Cap

Income Statement (USD)

APIChat
2012 Y
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
Sales/Revenue/Turnover
16
80
174
369
426
488
595
732
305
819
1,187
865
787
999
+ Sales & Services Revenue
16
80
174
369
426
488
595
732
305
819
1,187
865
787
999
- Cost of Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cost of Goods & Services
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Gross Profit
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Operating Income
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Operating Expenses
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Selling, General & Admin
25
57
167
294
424
422
497
569
304
445
537
356
333
391
+ Research & Development
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Operating Expense
-25
-57
-167
-294
-424
-422
-497
-569
-304
-445
-537
-356
-333
-391
Operating Income (Loss)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Non-Operating (Income) Loss
12
-7
32
2
150
153
128
31
188
-18
-153
-55
-65
-177
+ Interest Expense, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Interest Expense
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Interest Income
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Non-Op (Income) Loss
12
-7
32
2
150
153
128
31
188
-18
-153
-55
-65
-177
Pretax Income
-12
7
-32
-2
-150
-153
-128
-31
-188
18
153
55
65
177
- Income Tax Expense (Benefit)
- -
- -
1
3
-4
1
- -
- -
- -
- -
-137
16
14
41
- (Income) Loss from Affiliates
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Income (Loss) from Cont Ops
-12
7
-33
-5
-146
-154
-128
-31
-188
19
290
39
51
136
- Net Extraordinary Losses (Gains)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Discontinued Operations
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Extraord. & Accounting Changes
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Income (Loss) Incl. MI
-12
7
-33
-5
-146
-154
-128
-31
-188
19
290
39
51
136
- Minority Interest
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income, GAAP
-12
7
-33
-5
-146
-154
-128
-31
-188
19
290
39
51
136
- Preferred Dividends
- -
- -
- -
- -
- -
- -
- -
- -
50
- -
- -
- -
- -
- -
- Other Adjustments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income Avail to Common, GAAP
-12
7
-33
-5
-146
-154
-128
-31
-238
19
290
39
51
136
EBIT
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
EBITDA
- -
2
10
22
30
46
55
62
54
44
44
47
59
63
EBITDA Margin (%)
0.95
2.08
5.9
5.85
7.01
9.48
9.2
8.49
17.72
5.41
3.69
5.46
7.48
6.3
EBITA
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Gross Margin (%)
100
100
100
100
100
100
100
100
100
100
100
100
100
100
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Profit Margin (%)
-75.61
9.13
-18.93
-1.36
-34.26
-31.55
-21.55
-4.2
-61.52
2.27
24.4
4.5
6.52
13.58
Sales per Employee
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
0.64
- -
- -
- -
- -
- -
Depreciation Expense
- -
2
10
22
30
46
55
62
54
44
44
47
59
63
Basic Weighted Avg Shares
12
12
15
75
78
82
85
87
78
97
104
108
112
115
Basic EPS, GAAP
-1.03
0.63
-2.18
-0.07
-1.88
-1.88
-1.52
-0.35
-3.05
0.19
2.8
0.36
0.46
1.18
Basic EPS from Cont Ops
-1.03
0.63
-2.18
-0.07
-1.88
-1.88
-1.52
-0.35
-2.41
0.19
2.8
0.36
0.46
1.18
Diluted Weighted Avg Shares
12
12
15
75
78
82
85
87
78
102
104
108
113
117
Diluted EPS, GAAP
-1.03
0.63
-2.18
-0.07
-1.88
-1.88
-1.52
-0.35
-3.05
0.18
2.79
0.36
0.45
1.16
Diluted EPS from Cont Ops
-1.03
0.63
-2.18
-0.07
-1.88
-1.88
-1.52
-0.35
-2.41
0.18
2.79
0.36
0.45
1.16

Balance Sheet (USD)

APIChat
2012 Y
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
Total Current Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash, Cash Equivalents & STI
32
49
870
922
803
519
543
515
667
951
1,403
2,873
4,407
918
+ Cash & Cash Equivalents
32
49
870
624
516
402
373
244
525
687
1,057
1,253
954
918
+ ST Investments
- -
- -
- -
297
287
118
170
271
142
264
346
1,620
3,453
- -
+ Accounts & Notes Receiv
2
35
27
46
58
112
42
32
15
149
191
147
105
84
+ Accounts Receivable, Net
2
35
26
44
49
46
42
32
15
- -
31
36
40
44
+ Notes Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Loans Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Receivable, Net
- -
1
- -
1
8
66
- -
- -
- -
149
160
111
64
40
+ Inventories
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Raw Materials
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Work In Process
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Finished Goods
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inventory Adjustments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Inventory
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other ST Assets
-35
-85
-897
-967
-860
-631
-585
-547
-683
-1,100
-1,594
-3,020
-4,511
-1,001
+ Misc ST Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Prepaid Expenses
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Assets Held-for-Sale
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Noncurrent Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Property, Plant & Equip, Net
1
13
27
56
89
102
114
208
171
175
200
188
189
267
+ Property, Plant & Equip
1
15
35
80
131
172
219
303
268
274
303
294
302
396
- Accumulated Depreciation
- -
2
8
24
42
70
105
95
97
98
103
106
113
129
+ LT Investments & Receivables
- -
- -
- -
297
298
128
179
279
151
295
384
1,663
3,497
3,755
+ LT Investments
- -
- -
- -
297
298
128
179
279
151
295
384
1,663
3,497
3,755
+ LT Receivables
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other LT Assets
-1
-13
-27
-353
-387
-230
-293
-487
-321
-471
-584
-1,851
-3,686
-4,022
+ Total Intangible Assets
- -
- -
109
104
62
58
18
15
68
167
92
88
84
83
+ Goodwill
- -
- -
73
73
36
36
- -
- -
- -
76
76
76
76
76
+ Other Intangible Assets
- -
- -
36
31
26
22
18
15
68
92
16
12
9
7
+ LT Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Assets
-1
-13
-136
-457
-449
-287
-311
-502
-389
-638
-676
-1,939
-3,770
-4,105
Total Assets
403
1,943
3,890
5,794
5,563
4,641
3,820
2,982
1,863
4,900
7,980
8,827
10,631
11,568
+ Payables & Accruals
4
28
78
134
204
209
219
154
87
123
128
91
101
99
+ Accounts Payable
3
22
33
46
54
42
26
20
47
101
98
55
78
87
+ Accrued Taxes
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Interest & Dividends Payable
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Payables & Accruals
1
6
46
88
150
167
193
134
40
22
30
37
23
12
+ ST Debt
- -
- -
- -
- -
- -
32
459
587
105
28
3
- -
- -
- -
+ ST Borrowings
- -
- -
- -
- -
- -
32
459
587
105
28
3
- -
- -
- -
+ ST Finance Leases
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other ST Liabilities
-4
-28
-78
-134
-204
-241
-678
-742
-192
-151
-131
-91
-101
-99
+ Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc ST Liabilities
-4
-28
-78
-134
-204
-241
-678
-742
-192
-151
-131
-91
-101
-99
Total Current Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Debt
361
1,840
2,814
4,572
4,321
3,267
2,162
1,234
884
402
208
57
29
16
+ LT Borrowings
361
1,840
2,814
4,572
4,321
3,267
2,162
1,122
790
311
130
19
- -
- -
+ LT Finance Leases
- -
- -
- -
- -
- -
- -
- -
112
95
92
77
38
29
16
+ Other LT Liabilities
-361
-1,840
-2,814
-4,572
-4,321
-3,267
-2,162
-1,234
-884
-402
-208
-57
-29
-16
+ Accrued Liabilities
- -
1
3
11
14
18
26
14
5
- -
- -
- -
- -
- -
+ Pension Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Liabilities
-361
-1,841
-2,817
-4,582
-4,335
-3,285
-2,188
-1,248
-889
-402
-208
-57
-29
-16
Total Noncurrent Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Liabilities
452
1,875
2,917
4,752
4,587
3,713
2,949
2,082
1,139
4,050
6,815
7,576
9,289
10,067
+ Preferred Equity and Hybrid Capital
- -
103
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Share Capital & APIC
5
15
1,056
1,132
1,230
1,331
1,406
1,469
1,509
1,561
1,630
1,671
1,703
1,720
+ Common Stock
- -
- -
4
4
4
4
1
1
1
1
1
1
1
1
+ Additional Paid in Capital
5
15
1,053
1,128
1,226
1,327
1,405
1,468
1,508
1,560
1,629
1,670
1,702
1,719
- Treasury Stock
- -
- -
- -
- -
19
19
19
20
- -
- -
- -
- -
- -
- -
+ Retained Earnings
-53
-50
-83
-88
-234
-389
-518
-548
-786
-717
-428
-389
-337
-202
+ Other Equity
- -
- -
- -
-2
-1
- -
- -
-1
1
7
-38
-30
-24
-18
Equity Before Minority Interest
-48
68
973
1,042
976
922
869
900
724
850
1,164
1,252
1,342
1,500
+ Minority/Non Controlling Interest
- -
- -
- -
- -
- -
5
2
- -
- -
- -
- -
- -
- -
- -
Total Equity
-48
68
973
1,042
976
928
871
900
724
850
1,164
1,252
1,342
1,500
Total Liabilities & Equity
403
1,943
3,890
5,794
5,563
4,641
3,820
2,982
1,863
4,900
7,980
8,827
10,631
11,568
Shares Outstanding
72
72
74
76
80
83
86
89
88
101
107
110
113
115
Number of Employees
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Capital Leases - Total
- -
- -
- -
- -
- -
- -
- -
112
95
92
77
38
29
16
Net Debt
329
1,790
1,943
3,947
3,805
2,897
2,248
1,466
370
-349
-924
-1,233
-954
-918
Net Debt to Equity
-678.71
2,629.45
199.67
378.86
389.98
312.29
258.11
162.83
51.04
-41.01
-79.37
-98.51
-71.11
-61.16
Tangible Common Equity Ratio
-12.02
-1.81
22.86
16.49
16.61
18.99
22.44
29.84
36.56
14.43
13.59
13.32
11.92
12.34
Current Ratio
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash Conversion Cycle
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -

Cash Flow Statement (USD)

APIChat
2012 Y
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
+ Net Income
-12
7
-33
-5
-146
-154
-128
-31
-188
19
290
39
51
136
+ Depreciation & Amortization
- -
2
10
22
30
46
55
62
54
44
44
47
59
63
+ Non-Cash Items
1
7
39
45
93
-548
-505
-226
648
160
80
-1,190
-2,760
-2,959
+ Stock-Based Compensation
1
6
37
51
69
71
75
74
62
67
66
52
40
34
+ Deferred Income Taxes
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
-143
- -
- -
- -
+ Asset Impairment Charge
- -
- -
- -
- -
37
- -
36
- -
- -
- -
- -
- -
6
- -
+ Other Non-Cash Adj
- -
- -
2
-6
-14
-619
-615
-300
587
94
157
-1,242
-2,806
-2,993
+ Chg in Non-Cash Work Cap
- -
-15
33
13
24
82
-62
-76
-97
17
-38
-33
16
33
+ (Inc) Dec in Accts Receiv
-2
-11
-8
-14
-2
6
-4
-16
-5
- -
- -
- -
- -
- -
+ (Inc) Dec in Inventories
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ (Inc) Dec in Prepaid Assets
-2
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inc (Dec) in Accts Payable
4
17
28
43
36
147
-111
-66
-114
- -
- -
- -
- -
- -
+ Inc (Dec) in Other
- -
-21
13
-16
-10
-71
53
6
23
17
-38
-33
16
33
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Operating Activities
-11
1
50
75
1
-573
-640
-271
418
240
376
-1,137
-2,634
-2,727
+ Change in Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp in Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp of Fixed Prod Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp of Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Acq of Fixed & Intang
- -
-10
-21
-39
-52
-45
-53
-51
-31
-34
-69
-60
-54
-140
+ Acq of Fixed Prod Assets
- -
-10
-21
-39
-52
-45
-53
-51
-31
-34
-69
-60
-54
-140
+ Acq of Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash (Repurchase) of Equity
- -
- -
828
5
-14
6
5
2
- -
- -
- -
- -
- -
- -
+ Increase in Capital Stock
- -
- -
828
5
5
6
5
2
- -
- -
- -
- -
- -
- -
+ Decrease in Capital Stock
- -
- -
- -
- -
-19
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Net Change in LT Investment
- -
- -
- -
-299
1
223
64
92
178
149
-136
36
889
1,756
+ Dec in LT Investment
- -
- -
- -
120
87
363
201
237
232
250
86
98
938
1,787
+ Inc in LT Investment
- -
- -
- -
-419
-86
-140
-136
-144
-54
-100
-223
-62
-50
-30
+ Net Cash From Acq & Div
- -
- -
-109
- -
- -
- -
- -
- -
- -
523
- -
- -
- -
- -
+ Cash from Divestitures
- -
- -
- -
- -
- -
- -
- -
- -
- -
668
- -
- -
- -
- -
+ Cash for Acq of Subs
- -
- -
-109
- -
- -
- -
- -
- -
- -
-145
- -
- -
- -
- -
+ Cash for JVs
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Investing Activities
-218
-1,110
-1,127
-2,069
-275
820
867
612
419
-1,092
-2,604
540
-227
316
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Investing Activities
-219
-1,121
-1,257
-2,407
-326
999
879
654
566
-454
-2,810
517
608
1,932
+ Dividends Paid
- -
- -
- -
- -
- -
- -
- -
- -
-50
- -
- -
- -
- -
- -
+ Net Cash From Debt
215
1,112
1,098
2,035
263
-481
-223
-513
-783
-530
-478
-112
-19
- -
+ Cash From Debt
320
1,618
2,206
3,862
2,703
2,598
3,338
3,619
1,696
325
- -
- -
- -
- -
+ Repayments of Debt
-105
-506
-1,108
-1,827
-2,440
-3,079
-3,561
-4,133
-2,480
-855
-478
-112
-19
- -
+ Other Financing Activities
32
4
102
46
66
1
-21
-29
-9
880
3,273
902
1,729
748
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Financing Activities
247
1,116
2,028
2,086
314
-474
-239
-540
-842
350
2,795
790
1,710
748
Effect of Foreign Exchange Rates
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Changes in Cash
18
-3
820
-246
-11
-49
- -
-157
141
135
361
170
-317
-47
EBITDA
- -
2
10
22
30
46
55
62
54
44
44
47
59
63
EBITDA Margin (%)
0.95
2.08
5.9
5.85
7.01
9.48
9.2
8.49
17.72
5.41
3.69
5.46
7.48
6.3
Free Cash Flow
-11
-9
29
35
-51
-618
-693
-321
387
205
306
-1,196
-2,688
-2,867
Net Cash Paid for Acquisitions
- -
- -
109
- -
- -
- -
- -
- -
- -
-523
- -
- -
- -
- -
Free Cash Flow to Firm
- -
-9
- -
- -
- -
- -
- -
- -
- -
- -
- -
-1,196
-2,688
-2,867
Free Cash Flow to Equity
- -
1,206
1,024
2,070
212
-1,099
-916
-835
-447
-325
-172
-1,308
-2,708
-2,867
Free Cash Flow per Basic Share
-0.94
-0.8
1.94
0.47
-0.66
-7.56
-8.19
-3.68
4.96
2.11
2.96
-11.03
-24.06
-25.02
Price/Free Cash Flow
- -
- -
27.12
36.3
38.86
-3.19
-1.9
-5.01
1.83
9.01
2.06
-0.88
-0.71
-0.86
Cash Flow to Net Income
0.88
0.16
-1.52
-14.96
- -
3.73
4.99
8.8
-2.23
12.91
1.3
-29.19
-51.32
-20.1
Capital Expenditures
- -
-10
-21
-39
-52
-45
-53
-51
-31
-34
-69
-60
-54
-140