---
schema_version: "secwatch.filing_event.v1"
accession: "0001409970-22-000048"
form_type: "8-K"
ticker: "LC"
cik: "0001409970"
company_name: "LendingClub Corp"
filed_at: "2022-10-26T23:59:59+00:00"
generated_at: "2026-06-23T00:45:07.291185+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001409970-22-000048
- form_type: 8-K
- ticker: LC
- cik: 0001409970
- company_name: LendingClub Corp
- filed_at: 2022-10-26T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1409970/000140997022000048/0001409970-22-000048-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1409970/000140997022000048/lc-20221026.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001409970-22-000048
- JSON: https://secwatch.observer/filing/0001409970-22-000048.json
- Plain text: https://secwatch.observer/filing/0001409970-22-000048.txt

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