LendingClub Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	-	51.33	38.94	289.69	18.58
Depreciation & Amortization	-	58.83	47.2	43.83	44.29
Loss (Gain) From Sale of Assets	-	-49.1	-47.84	-95.34	-70.12
Stock-Based Compensation	-	40.07	52.39	66.36	66.76
Provision & Write-off of Bad Debts	-	178.27	243.57	267.33	138.8
Other Operating Activities	-	17.58	-37.07	-158.23	24.05
Change in Other Net Operating Assets	-	15.96	-32.85	-37.6	16.64
Operating Cash Flow	-	-2,634	-1,137	375.57	239.87
Operating Cash Flow Growth	-	-	-	56.57%	-42.62%
Capital Expenditures	-	-54.3	-59.51	-69.48	-34.41
Cash Acquisitions	-	-	-	-	522.89
Investment in Securities	-	888.62	36.06	-136.46	149.12
Other Investing Activities	-	-2.65	-4.68	-4.42	-12.75
Investing Cash Flow	-	607.81	516.7	-2,810	-454.41
Long-Term Debt Repaid	-	-19.2	-111.99	-452.34	-767.72
Total Debt Repaid	-	-19.2	-111.99	-452.34	-767.72
Net Debt Issued (Repaid)	-	-19.2	-111.99	-452.34	-767.72
Other Financing Activities	-	1,729	901.56	3,247	1,117
Financing Cash Flow	-	1,710	789.57	2,795	349.64
Net Cash Flow	-	-316.75	169.66	360.9	135.1
Free Cash Flow	-	-2,688	-1,196	306.09	205.46
Free Cash Flow Growth	-	-	-	48.98%	-46.89%
Free Cash Flow Margin	-	-231.58%	-105.35%	24.11%	23.02%
Free Cash Flow Per Share	-	-23.77	-11.03	2.94	2.01
Cash Interest Paid	-	378.28	258.63	79.73	77.33
Cash Income Tax Paid	-	0.28	6.63	14.46	4.8
Levered Free Cash Flow	-	2,346	-80.41	-1,558	-2,854
Unlevered Free Cash Flow	-	2,346	-77.55	-1,545	-2,809
Change in Working Capital	-	15.96	-32.85	-37.6	16.64

Source: S&P Global Market Intelligence. Standard template. Financial Sources.