Compared to Estimates, LendingClub (LC) Q1 Earnings: A Look at Key Metrics

Core Insights - LendingClub reported revenue of $217.71 million for the quarter ended March 2025, reflecting a year-over-year increase of 20.5% and a surprise of +1.49% over the Zacks Consensus Estimate of $214.51 million [1] - The company's EPS for the quarter was $0.10, unchanged from the consensus estimate, but down from $0.11 in the same quarter last year [1] Financial Performance Metrics - Net Interest Margin was reported at 6%, exceeding the average estimate of 5.5% from two analysts [4] - The Net Charge-off Ratio was 4.8%, slightly better than the estimated 4.9% [4] - Efficiency Ratio stood at 66.1%, outperforming the average estimate of 68.1% [4] - Average Balance of Total Interest-Earning Assets was $10.04 billion, below the average estimate of $10.51 billion [4] - Total Interest Income was $232.06 million, lower than the estimated $235.20 million [4] - Net Interest Income reached $149.96 million, surpassing the average estimate of $142.25 million [4] - Total Non-Interest Income was $67.75 million, below the average estimate of $72.62 million [4] - Marketplace Revenue was $65.64 million, compared to the estimated $69.65 million [4] Stock Performance - LendingClub shares have returned +6.4% over the past month, contrasting with a -0.8% change in the Zacks S&P 500 composite [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]