LC
LendingClub Corp
Overview
LendingClub operates a digital bank that provides personal loans, auto refinance, and point-of-sale financing to middle-income U.S. consumers through a mobile-first platform. The company also offers deposit products including savings and checking accounts, and sells loans to marketplace investors.
LendingClub Corp is a Financial Services company operating in Banks - Regional with a $2.22B market cap.
Most recent reported earnings: Q2 FY2026 (Aug 3, 2026).
21 earnings calls indexed on Spoken Alpha.
Behavioral analysis
Management language signature
Disclosures
Investor Relations
Extracted from Unknown source, 2026-06-21.
Transcripts
Recent earnings calls
Most recent calls indexed for this ticker. Open any call to drill into prepared remarks and Q&A.
- Q1 FY2026Earnings2026-04-2718 Q&A exchanges
- Q4 FY2025Earnings2026-01-2832 Q&A exchanges
- Q3 FY2025Earnings2025-10-2233 Q&A exchanges
- Q2 FY2025Earnings2025-07-2917 Q&A exchanges
- Q1 FY2025Earnings2025-04-2920 Q&A exchanges
- Q4 FY2024Earnings2025-01-2827 Q&A exchanges
- Q3 FY2024Earnings2024-10-2334 Q&A exchanges
- Q2 FY2024Earnings2024-07-3034 Q&A exchanges
- Q1 FY2024Earnings2024-04-3023 Q&A exchanges
- Q4 FY2023Earnings2024-01-3022 Q&A exchanges
- Q3 FY2023Earnings2023-10-2524 Q&A exchanges
- Q2 FY2023Earnings2023-07-2622 Q&A exchanges
- Q1 FY2023Earnings2023-04-2617 Q&A exchanges
- Q4 FY2022Earnings2023-01-2521 Q&A exchanges
- Q3 FY2022Earnings2022-10-2621 Q&A exchanges
- Q2 FY2022Earnings2022-07-2713 Q&A exchanges
- Q1 FY2022Earnings2022-04-2716 Q&A exchanges
- Q4 FY2021Earnings2022-01-2616 Q&A exchanges
- Q3 FY2021Earnings2021-10-2713 Q&A exchanges
- Q2 FY2021Earnings2021-07-2817 Q&A exchanges
- Q1 FY2021Earnings2021-04-289 Q&A exchanges
History
Earnings history
- Q2 FY20262026-08-03EPS— vs $0.43—Rev— vs ——EODHD
- Q1 FY20262026-04-28EPS$0.44 vs $0.34+31.3%Rev$261.2M vs ——EODHD
- Q4 FY20252026-01-27EPS$0.35 vs $0.34+3.1%Rev$354.0M vs ——EODHD
- Q3 FY20252025-10-21EPS$0.37 vs $0.31+19.4%Rev$349.6M vs ——EODHD
- Q2 FY20252025-07-28EPS$0.33 vs $0.15+100.0%Rev$331.3M vs ——EODHD
- Q1 FY20252025-04-28EPS$0.10 vs $0.11-9.1%Rev$299.8M vs ——EODHD
- Q4 FY20242025-01-27EPS$0.08 vs $0.09-11.1%Rev$315.4M vs ——EODHD
- Q3 FY20242024-10-22EPS$0.13 vs $0.08+62.5%Rev$302.0M vs ——EODHD
- Q2 FY20242024-07-29EPS$0.13 vs $0.04+100.0%Rev$278.3M vs ——EODHD
- Q1 FY20242024-04-29EPS$0.11 vs $0.03+100.0%Rev$265.2M vs ——EODHD
- Q4 FY20232024-01-29EPS$0.09 vs $0.01+100.0%Rev$272.8M vs ——EODHD
- Q3 FY20232023-10-24EPS$0.05 vs $0.04+25.0%Rev$271.3M vs ——EODHD
- Q2 FY20232023-07-25EPS$0.09 vs $0.04+100.0%Rev$300.3M vs ——EODHD
- Q1 FY20232023-04-25EPS$0.13 vs $0.10+30.0%Rev$301.4M vs ——EODHD
- Q4 FY20222023-01-24EPS$0.19 vs $0.20-5.0%Rev$296.6M vs ——EODHD
- Q3 FY20222022-10-25EPS$0.36 vs $0.33+9.1%Rev$319.8M vs ——EODHD
- Q2 FY20222022-07-26EPS$0.45 vs $0.40+12.5%Rev$336.6M vs ——EODHD
- Q1 FY20222022-04-26EPS$0.39 vs $0.24+62.5%Rev$296.0M vs ——EODHD
- Q4 FY20212022-01-25EPS$0.27 vs $0.22+22.7%Rev$272.4M vs ——EODHD
- Q3 FY20212021-10-26EPS$0.26 vs $0.03+100.0%Rev$259.5M vs ——EODHD
| Period | Reported | EPS actual | EPS consensus | EPS surprise | Revenue actual | Revenue consensus | Rev. surprise | Source |
|---|---|---|---|---|---|---|---|---|
| Q2 FY2026 | 2026-08-03 | — | $0.43 | — | — | — | — | EODHD |
| Q1 FY2026 | 2026-04-28 | $0.44 | $0.34 | +31.3% | $261.2M | — | — | EODHD |
| Q4 FY2025 | 2026-01-27 | $0.35 | $0.34 | +3.1% | $354.0M | — | — | EODHD |
| Q3 FY2025 | 2025-10-21 | $0.37 | $0.31 | +19.4% | $349.6M | — | — | EODHD |
| Q2 FY2025 | 2025-07-28 | $0.33 | $0.15 | +100.0% | $331.3M | — | — | EODHD |
| Q1 FY2025 | 2025-04-28 | $0.10 | $0.11 | -9.1% | $299.8M | — | — | EODHD |
| Q4 FY2024 | 2025-01-27 | $0.08 | $0.09 | -11.1% | $315.4M | — | — | EODHD |
| Q3 FY2024 | 2024-10-22 | $0.13 | $0.08 | +62.5% | $302.0M | — | — | EODHD |
| Q2 FY2024 | 2024-07-29 | $0.13 | $0.04 | +100.0% | $278.3M | — | — | EODHD |
| Q1 FY2024 | 2024-04-29 | $0.11 | $0.03 | +100.0% | $265.2M | — | — | EODHD |
| Q4 FY2023 | 2024-01-29 | $0.09 | $0.01 | +100.0% | $272.8M | — | — | EODHD |
| Q3 FY2023 | 2023-10-24 | $0.05 | $0.04 | +25.0% | $271.3M | — | — | EODHD |
| Q2 FY2023 | 2023-07-25 | $0.09 | $0.04 | +100.0% | $300.3M | — | — | EODHD |
| Q1 FY2023 | 2023-04-25 | $0.13 | $0.10 | +30.0% | $301.4M | — | — | EODHD |
| Q4 FY2022 | 2023-01-24 | $0.19 | $0.20 | -5.0% | $296.6M | — | — | EODHD |
| Q3 FY2022 | 2022-10-25 | $0.36 | $0.33 | +9.1% | $319.8M | — | — | EODHD |
| Q2 FY2022 | 2022-07-26 | $0.45 | $0.40 | +12.5% | $336.6M | — | — | EODHD |
| Q1 FY2022 | 2022-04-26 | $0.39 | $0.24 | +62.5% | $296.0M | — | — | EODHD |
| Q4 FY2021 | 2022-01-25 | $0.27 | $0.22 | +22.7% | $272.4M | — | — | EODHD |
| Q3 FY2021 | 2021-10-26 | $0.26 | $0.03 | +100.0% | $259.5M | — | — | EODHD |
Source: EODHD. LC reported actuals as published; sparse fields render as —.
Track Record
SampleSpoken Alpha tracks LC's historical accountability: how often management beat consensus, how the stock reacted, and how guidance evolved across the cycle. The figures below are illustrative placeholder data generated for layout — they will be replaced with real deviation metrics, True Consensus values, and EODHD price reactions as those data layers land.
Beats consensus 4/10 quarters with 30% positive reaction rate
SampleConsistent execution against consensus with the stock following through is the cleanest signal a guidance regime is calibrated. Worth watching for the inflection where execution deteriorates relative to the bar.
Missed in 2 of the last 4 quarters
SampleRecent misses matter more than long-window beat rate — the trailing 12 months drives the analyst model and the next-print bar.
Quarterly beats & misses
Sample| Quarter | Actual EPS | Consensus | Surprise | 1D | 5D |
|---|---|---|---|---|---|
| Q1 FY2026 | $2.14 | $2.14 | +0.2% | -0.5% | +1.5% |
| Q4 FY2026 | $2.39 | $2.33 | +2.5% | +1.6% | +4.1% |
| Q3 FY2026 | $2.38 | $2.42 | -1.5% | -3.6% | -4.1% |
| Q2 FY2026 | $2.08 | $2.18 | -4.5% | -2.4% | -0.2% |
| Q1 FY2025 | $2.24 | $2.40 | -6.5% | -4.1% | -5.5% |
| Q4 FY2025 | $2.35 | $2.27 | +3.7% | -6.3% | -3.5% |
| Q3 FY2025 | $2.46 | $2.30 | +6.9% | +3.4% | +0.6% |
| Q2 FY2025 | $2.18 | $2.28 | -4.2% | -2.8% | -1.1% |
| Q1 FY2024 | $2.25 | $2.43 | -7.3% | -0.2% | -1.2% |
| Q4 FY2024 | $2.37 | $2.56 | -7.3% | +4.1% | +2.2% |
Guidance change history
Sample- Q1 FY2026Maintained2026-04-15
- Q4 FY2026Suspended2026-13-15
- Q3 FY2026Maintained2026-10-15
- Q2 FY2026Lowered2026-07-15
- Q1 FY2025Lowered2025-04-15
- Q4 FY2025Maintained2025-13-15
- Q3 FY2025Raised2025-10-15
- Q2 FY2025Lowered2025-07-15
Top executives
SampleSpoken Alpha builds an accountability record per executive — how the person's own guidance, language, and reactions have evolved across every call they've appeared on. The one-liners below are illustrative placeholder data pending the deviation v1 work. Click any name for the full role timeline and call appearance history.
- Scott SanbornCEO10 mo21 callsCurrentSample
CEO since 2025 • 3/4 beats (75%) • last call held guidance Q1 FY2026
- Andrew LabenneCFO10 mo15 callsCurrentSample
CFO since 2025 • 3/4 beats (75%) • last guidance raise Q1 FY2026
- Steven C MatticsBank - Chief Lending Officer3 mono recorded callsCurrentSample
OTHER_C_SUITE since 2026 • 1/2 beats (50%) • last guidance cut Q2 FY2026
- Dov Eytan HaselkornChief Risk Officer3 mono recorded callsCurrentSample
OTHER_C_SUITE since 2026 • 1/2 beats (50%) • guidance suspended Q1 FY2026
- Annie ArmstrongChief Risk Officer10 mono recorded callsCurrentSample
OTHER_C_SUITE since 2025 • 2/4 beats (50%) • last call held guidance Q3 FY2026
- Fergal StackSVP, Corporate Controller10 mono recorded callsCurrentSample
DIVISION_HEAD since 2025 • 2/4 beats (50%) • last guidance cut Q3 FY2026
Peers
Other companies in Financial Services
Sector peers tracked by Spoken Alpha. Each links to the same machine-readable IR surface — earnings calls, executives, and accountability scores.
API
For developers and AI agents
The same data on this page is available as a machine-readable feed via the Spoken Alpha API. One call returns the IR URL, recent transcripts, and accountability scores for LC.
$ curl https://api.spokenalpha.com/v1/companies/LCFAQ
Frequently asked about LC
Where can I find LendingClub Corp's (LC) earnings call transcripts?
Spoken Alpha indexes LC's earnings call transcripts at https://spokenalpha.com/companies/LC. Each call links to attributed speakers and parsed analyst Q&A. LendingClub Corp's own investor relations page is at https://ir.lendingclub.com/.
When was LendingClub Corp's most recent earnings call?
LendingClub Corp (LC) held its most recent earnings call on 2026-04-27, covering fiscal Q1 2026.
What sector is LC in?
LendingClub Corp (LC) operates in the Financial Services sector (Banks - Regional industry).