{"schema_version":"secwatch.filing_event.v1","accession":"0001409970-26-000014","form_type":"8-K","ticker":"LC","cik":"0001409970","company_name":"LendingClub Corp","filed_at":"2026-01-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.012997+00:00","generated_at":"2026-05-16T06:56:54.999688+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 $41.6M, EPS $0.35, revenue $266.5M (+23% YoY); originations +40% to $2.6B","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001409970-26-000014","json":"https://secwatch.observer/filing/0001409970-26-000014.json","markdown":"https://secwatch.observer/filing/0001409970-26-000014.md","text":"https://secwatch.observer/filing/0001409970-26-000014.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1409970/000140997026000014/0001409970-26-000014-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1409970/000140997026000014/lc-20260128.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T06:56:54.999688+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}