---
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"
generated_at: "2026-05-16T06:56:54.999688+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001409970-26-000014
- JSON: https://secwatch.observer/filing/0001409970-26-000014.json
- Plain text: https://secwatch.observer/filing/0001409970-26-000014.txt

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