LendingClub Corp
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
Disclosures
Extracted from Unknown source, 2026-06-21.
Transcripts
Most recent calls indexed for this ticker. Open any call to drill into prepared remarks and Q&A.
History
Spoken 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
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.
Peers
Sector peers tracked by Spoken Alpha. Each links to the same machine-readable IR surface — earnings calls, executives, and accountability scores.
API
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
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/.
LendingClub Corp (LC) held its most recent earnings call on 2026-04-27, covering fiscal Q1 2026.
LendingClub Corp (LC) operates in the Financial Services sector (Banks - Regional industry).
| 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 —.
Consistent 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.
| 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% |
CFO since 2025 • 3/4 beats (75%) • last guidance raise Q1 FY2026
| 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% |