LendingClub beats Q4 revenue estimates

LendingClub

28/01/2026 21:15

Overview

Fintech lender's Q4 revenue rose 23%, beating analyst expectations

Diluted EPS for Q4 more than quadrupled yr/yr

Company entered home improvement financing and executed $11.9 mln stock buyback

Outlook

Company expects Q1 2026 loan originations between $2.55 bln and $2.65 bln

LendingClub projects full-year 2026 loan originations of $11.6 bln to $12.6 bln

Company anticipates Q1 2026 diluted EPS between $0.34 and $0.39

Result Drivers

LOAN ORIGINATIONS - 40% increase in loan originations driven by product and marketing initiatives

CREDIT PERFORMANCE - Strong credit performance led to lower provision for credit losses

HOME IMPROVEMENT FINANCING - Entry into home improvement financing creating new opportunities

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 Revenue
Beat
$266.50 mln
$262.26 mln (11 Analysts)
Q4 EPS
$0.35
Q4 Net Income
$41.60 mln
Q4 Credit Loss Provision
$47.20 mln


Analyst Coverage

The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 11 "strong buy" or "buy", 1 "hold" and no "sell" or "strong sell"

The average consensus recommendation for the consumer lending peer group is "buy"

Wall Street's median 12-month price target for LendingClub Corp is $23.00, about 10.5% above its January 27 closing price of $20.81

The stock recently traded at 13 times the next 12-month earnings vs. a P/E of 12 three months ago

Press Release: ID:nPn7NxJQLa

For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact reuters.support@thomsonreuters.com.

(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)