{"schema_version":"secwatch.filing_event.v1","accession":"0001409970-23-000009","form_type":"8-K","ticker":"LC","cik":"0001409970","company_name":"LendingClub Corp","filed_at":"2023-01-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:44.809234+00:00","generated_at":"2026-06-20T09:21:33.806705+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"LendingClub Q4 net income $23.6M; FY22 revenue $1.2B, up 45% YoY","bullets":["FY2022 total net revenue $1.2B (+45% YoY); net income $289.7M vs $18.6M in 2021.","Q4 net revenue $262.7M (comparable to prior year); net interest income up 63% to $135.2M.","Loan originations Q4 $2.5B (down from $3.1B); acquired $1.05B loan portfolio in Q4.","Book value per share $10.93 (+30% YoY); Tier 1 leverage ratio 14.1%.","Implemented cost reduction plan for 2023; efficiency ratio improved to 69% from 72%."],"urls":{"canonical":"https://secwatch.observer/filing/0001409970-23-000009","json":"https://secwatch.observer/filing/0001409970-23-000009.json","markdown":"https://secwatch.observer/filing/0001409970-23-000009.md","text":"https://secwatch.observer/filing/0001409970-23-000009.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1409970/000140997023000009/0001409970-23-000009-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1409970/000140997023000009/lc-20230125.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T09:21:33.806705+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":[{"claim_id":"caa9cc0ea6af67a13790b7340e453b9c20a09777","claim":"LendingClub Corp reported financial results for the fourth quarter and full year ended December 31, 2022.","evidence_excerpt":"On January 25, 2023, LendingClub Corporation (“LendingClub”) issued a press release (the “Earnings Press Release”) regarding its financial results for the fourth quarter and full year ended December 31, 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1409970/000140997023000009/0001409970-23-000009-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fourth quarter and full year ended December 31, 2022"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}