---
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"
generated_at: "2026-06-27T15:24:00.558223+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# LendingClub posts record Q4 revenue $262.2M and EPS $0.27; 2022 net income guidance $130-$150M

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001409970-22-000003
- JSON: https://secwatch.observer/filing/0001409970-22-000003.json
- Plain text: https://secwatch.observer/filing/0001409970-22-000003.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.