Core Insights - LendingClub's shares fell nearly 13% following the release of its fourth-quarter 2025 earnings report, despite reporting strong financial results [1] Financial Performance - The company reported diluted earnings per share (EPS) of $0.35 and total revenue of nearly $267 million, driven by approximately $2.6 billion in loan originations, with both EPS and revenue significantly higher year-over-year and exceeding consensus estimates [2] - For the first quarter of 2026, LendingClub guided for $2.6 billion in loan originations and diluted EPS of $0.365, while for the full year, it projected $12.1 billion in loan originations and diluted EPS of $1.725, representing 48% year-over-year growth in diluted EPS and 26% growth in originations [3] Guidance and Accounting Changes - The guidance for both the current quarter and the full year of 2026 exceeded Wall Street consensus estimates, indicating strong future performance expectations [4] - The company is implementing a significant accounting change, marking all loans as held-for-sale (HFS), which will affect how loans are valued and reported [5] Market Valuation - LendingClub's stock is currently trading at about 10 times forward earnings, which is considered an attractive entry point given the company's strong growth prospects [6]