LendingClub(LC) - 2025 Q3 - Earnings Call Presentation

Financial Performance - LendingClub's total originations reached $2.6 billion in Q3 2025, a 37% year-over-year increase[25] - Pre-Provision Net Revenue (PPNR) was $103.5 million, up 58% year-over-year[25] - Net Interest Income increased by 13% year-over-year[38] - Non-Interest Income increased by 75% year-over-year[38] - Diluted EPS increased by 185% year-over-year to $0.37[53] Balance Sheet and Efficiency - Net Interest Margin expanded to 6.18%[40] - Efficiency Ratio improved to 45.8%[43] - Book Value Per Common Share increased to $12.68[53] - Tangible Book Value Per Common Share increased to $11.95[53] Consumer and Market Position - LendingClub has over 5 million members and has originated over $100 billion in loans[8] - The total addressable market (TAM) for revolving consumer credit is $1.3 trillion[14]