LendingClub (LC) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates

Core Insights - LendingClub reported a revenue of $266.47 million for Q4 2025, marking a year-over-year increase of 22.7% and exceeding the Zacks Consensus Estimate of $262.33 million by 1.58% [1] - The company's EPS for the quarter was $0.35, up from $0.11 a year ago, and also surpassed the consensus estimate of $0.34 by 2.94% [1] Financial Performance Metrics - Efficiency Ratio stood at 63.5%, slightly above the estimated 63.1% [4] - Average Balance of Total interest-earning assets was $10.9 billion, exceeding the estimate of $10.49 billion [4] - Net charge-off ratio was reported at 3.7%, better than the estimated 4.1% [4] - Net Interest Margin was 6%, slightly below the estimated 6.1% [4] - Total Interest Income reached $250.59 million, surpassing the average estimate of $243.26 million [4] - Total non-interest income was $103.44 million, exceeding the average estimate of $100.25 million [4] - Non-Interest Income from Other non-interest income was $4.94 million, below the estimate of $5.32 million [4] - Net Interest Income was reported at $163.03 million, above the estimate of $160.4 million [4] - Non-Interest Income from Marketplace revenue was $98.5 million, exceeding the estimate of $94.92 million [4] Stock Performance - Shares of LendingClub have returned +8.1% over the past month, outperforming the Zacks S&P 500 composite's +0.8% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]