UNITED STATES SECURITIES AND EXCHANGE COMMISSION LendingClub Corporation (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorporation or organization) Delaware 51-0605731 (I.R.S. Employer Identification No.) Washington, D.C. 20549 FORM10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2025 Commission File Number: 001-36771 (Address of principal executive offices and zip code) Regi ...

Core Insights - The article emphasizes the potential of undervalued stocks that are mispriced by the market as a strategic investment opportunity for the start of Q4 [1]. Group 1 - The article suggests that investors should consider joining platforms that provide insights on undervalued stocks [1].

Core Viewpoint - LendingClub (LC) has received an upgrade to a Zacks Rank 1 (Strong Buy), indicating a positive outlook based on rising earnings estimates, which significantly influence stock prices [1][3]. Earnings Estimates and Stock Price Impact - The Zacks rating system is based on changes in earnings estimates, which are strongly correlated with near-term stock price movements [4][6]. - An increase in earnings estimates typically leads to higher fair value calculations by institutional investors, resulting in buying or selling actions that affect stock prices [4]. Recent Performance of LendingClub - For the fiscal year ending December 2025, LendingClub is expected to earn $1.12 per share, unchanged from the previous year, but the Zacks Consensus Estimate has increased by 71.6% over the past three months [8]. - The upgrade reflects an improvement in LendingClub's underlying business, which is expected to drive the stock price higher as investor sentiment improves [5][10]. Zacks Rank System - The Zacks Rank system classifies stocks into five groups based on earnings estimates, with Zacks Rank 1 stocks historically generating an average annual return of +25% since 1988 [7]. - Only the top 5% of Zacks-covered stocks receive a "Strong Buy" rating, indicating superior earnings estimate revisions and potential for market-beating returns [9][10].

Core Viewpoint - The article suggests that investors should diversify their portfolios by looking beyond the top tech stocks, often referred to as the "Magnificent 7," and the S&P 500, which is heavily influenced by these leading technology companies [1]. Group 1: Investment Strategy - Investors are encouraged to allocate more resources outside of the dominant tech stocks to mitigate risk and enhance diversification [1]. Group 2: Analyst Background - Gary Alexander has extensive experience in covering technology companies on Wall Street and has worked in Silicon Valley, providing him with insights into current industry trends [1]. - He has been a contributor to Seeking Alpha since 2017 and has been featured in various web publications, indicating a strong presence in the investment community [1].

With the stock market looking frothy, I continue to encourage investors to look outside the Magnificent 7 (or for that matter, investing in the S&P 500 as a whole because it's so dominated by the top tech stocks), and to diversify by allocating moreWith combined experience of covering technology companies on Wall Street and working in Silicon Valley, and serving as an outside adviser to several seed-round startups, Gary Alexander has exposure to many of the themes shaping the industry today. He has been a r ...

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分组1 - LendingClub Corp reported third-quarter earnings of 37 cents per share, exceeding the analyst consensus estimate of 30 cents per share [1] - The company also reported quarterly sales of $266.231 million, surpassing the analyst consensus estimate of $256.297 million [1] - Following the earnings report, LendingClub shares increased by 13% to $18.66 in pre-market trading [1] 分组2 - Safe & Green Holdings Corp experienced a significant gain of 58.7%, reaching $3.62 in pre-market trading [5] - Ventyx Biosciences Inc surged 55.4% to $6.01 after announcing positive results from its Phase 2 study [5] - Quantumscape Corp rose 16.8% to $15.86 after reporting better-than-expected third-quarter EPS results [5] 分组3 - IBM's shares fell 6.8% to $268.05 despite reporting better-than-expected financial results for the third quarter [7] - Tesla Inc's shares decreased by 3.2% to $424.88, with better-than-expected revenue but earnings that missed estimates [7]

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Core Insights - LendingClub reported a revenue of $266.23 million for the quarter ended September 2025, marking a 31.9% increase year-over-year, with an EPS of $0.37 compared to $0.13 in the same quarter last year [1] - The revenue exceeded the Zacks Consensus Estimate of $256.72 million by 3.7%, and the EPS surpassed the consensus estimate of $0.30 by 23.33% [1] Financial Performance Metrics - Net Interest Margin was reported at 6.2%, slightly above the estimated 6.1% [4] - The Net Charge-Off Ratio was 2.9%, significantly lower than the average estimate of 4.1% [4] - Efficiency Ratio stood at 61.1%, better than the estimated 63.3% [4] - Average Balance of Total Interest-Earning Assets was $10.26 billion, below the average estimate of $10.67 billion [4] - Total Interest Income was $241.8 million, compared to the average estimate of $246.62 million [4] - Net Interest Income was reported at $158.44 million, lower than the average estimate of $162.75 million [4] - Non-Interest Income from Other Sources was $5.64 million, exceeding the average estimate of $3.45 million [4] - Total Non-Interest Income reached $107.79 million, surpassing the estimated $94.04 million [4] - Marketplace Revenue was $102.16 million, above the average estimate of $90.59 million [4] Stock Performance - LendingClub shares have returned -2.4% over the past month, while the Zacks S&P 500 composite increased by 1.1% [3] - The stock currently holds a Zacks Rank 1 (Strong Buy), indicating potential for outperformance in the near term [3]