LendingClub Q4 net income $41.6M, EPS $0.35, revenue $266.5M (+23% YoY); originations +40% to $2.6B

LendingClub Corp

2025-FY EPS reported $1.16

GAAP net income $41.6M, diluted EPS $0.35 (vs $0.08 Q4 2024); full-year EPS $1.16 (vs $0.45).
Total net revenue $266.5M (+23% YoY); provision for credit losses $47.2M (vs $63.2M Q4 2024).
Originations $2.6B (+40% YoY); deposits $9.8B (+8%); Tier 1 leverage 12.0%, CET1 17.4%.
Pre-provision net revenue $97.2M (+31% YoY); ROE 11.3%, ROTCE 11.9%.
Executed $11.9M of $100M buyback; entering home improvement financing via tech/talent acquisition and distribution partnership.

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