LendingClub Q3 revenue $304.9M (+24% YoY), EPS $0.41 (+58% YoY)

LendingClub Corp

2023-Q3 EPS reported $2.56

Total net revenue $304.9M, up 24% YoY; diluted EPS $0.41, up 58% YoY.
Net interest income $123.7M, up 89% YoY; net interest margin expanded to 8.3% from 6.3%.
Loan originations $3.5B, up 14% YoY; deposits $5.1B, up 80% YoY.
Pre-tax, pre-provision income $118.7M, up 76% YoY; efficiency ratio improved to 61% from 73%.
Credit quality strong: average FICO 730 on held-for-investment portfolio; delinquencies gradually normalizing.

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