{"schema_version":"secwatch.filing_event.v1","accession":"0001409970-22-000003","form_type":"8-K","ticker":"LC","cik":"0001409970","company_name":"LendingClub Corp","filed_at":"2022-01-26T23:59:59+00:00","discovered_at":"2026-05-14T18:04:06.348177+00:00","generated_at":"2026-06-27T15:24:00.558223+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"LendingClub posts record Q4 revenue $262.2M and EPS $0.27; 2022 net income guidance $130-$150M","bullets":["Q4 2021 revenue $262.2M, net income $29.1M ($0.27 diluted EPS), exceeding high end of guidance.","Full year 2021 revenue $818.6M (+157% YoY), net income $18.6M vs loss of $187.5M in 2020.","Q4 notable items of $56.6M (CECL provisioning $39.5M, revenue deferrals $17.1M) reduced EPS by $0.53.","Q4 loan originations $3.07B; deposits grew 10% sequentially to $3.1B; bank loan portfolio up 22%.","2022 guidance: revenue $1.1-$1.2B, net income $130-$150M; Q1 revenue $255-$265M, net income $25-$30M."],"urls":{"canonical":"https://secwatch.observer/filing/0001409970-22-000003","json":"https://secwatch.observer/filing/0001409970-22-000003.json","markdown":"https://secwatch.observer/filing/0001409970-22-000003.md","text":"https://secwatch.observer/filing/0001409970-22-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1409970/000140997022000003/0001409970-22-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1409970/000140997022000003/lc-20220126.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-27T15:24:00.558223+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}