Digital lending platform LendingClub (NYSE:LC) reported Q4 CY2025 results topping the market’s revenue expectations , with sales up 22.7% year on year to $266.5 million. Its GAAP profit of $0.35 per share was 3.3% above analysts’ consensus estimates.

Is now the time to buy LendingClub? Find out in our full research report.

Revenue: $266.5 million vs analyst estimates of $261.9 million (22.7% year-on-year growth, 1.8% beat)

Pre-tax Profit: $50.03 million (18.8% margin)

EPS (GAAP): $0.35 vs analyst estimates of $0.34 (3.3% beat)

EPS (GAAP) guidance for the upcoming financial year 2026 is $1.73 at the midpoint, beating analyst estimates by 3.7%

Market Capitalization: $2.40 billion

"We closed out a fantastic year with another strong quarter, delivering 40% originations growth and ROTCE approaching 12%," said Scott Sanborn, LendingClub CEO.

Pioneering peer-to-peer lending in the US before evolving into a digital bank, LendingClub (NYSE:LC) operates a marketplace that connects borrowers with lenders, offering personal loans, auto refinancing, and banking services.

Reviewing a company’s long-term sales performance reveals insights into its quality. Any business can put up a good quarter or two, but the best consistently grow over the long haul. Luckily, LendingClub’s revenue grew at an incredible 25.7% compounded annual growth rate over the last five years. Its growth surpassed the average financials company and shows its offerings resonate with customers, a great starting point for our analysis.

We at StockStory place the most emphasis on long-term growth, but within financials, a half-decade historical view may miss recent interest rate changes, market returns, and industry trends. LendingClub’s recent performance shows its demand has slowed significantly as its annualized revenue growth of 7.5% over the last two years was well below its five-year trend.

Note: Quarters not shown were determined to be outliers, impacted by outsized investment gains/losses that are not indicative of the recurring fundamentals of the business.

This quarter, LendingClub reported robust year-on-year revenue growth of 22.7%, and its $266.5 million of revenue topped Wall Street estimates by 1.8%.

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It was great to see LendingClub’s full-year EPS guidance top analysts’ expectations. We were also happy its revenue outperformed Wall Street’s estimates. Overall, we think this was a decent quarter with some key metrics above expectations. Investors were likely hoping for more, and shares traded down 5.1% to $18.55 immediately after reporting.

Is LendingClub an attractive investment opportunity at the current price? What happened in the latest quarter matters, but not as much as longer-term business quality and valuation, when deciding whether to invest in this stock. We cover that in our actionable full research report which you can read here, it’s free.