LendingClub Income 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
Operating Revenue	431.8	65.87	85.1	73.09	115.76
Other Revenue	902.92	1,095	1,050	1,197	776.72
Revenue	1,335	1,161	1,135	1,270	892.48
Revenue Growth (YoY)	14.97%	2.25%	-10.58%	42.27%	90.52%
Cost of Revenue	490.18	283.35	315.43	388.6	324.5
Gross Profit	844.54	275.78	279.98	536.37	412.82
Selling, General & Admin	211.38	148.25	146.55	270.24	227.96
Other Operating Expenses	57.45	53.25	57.26	64.19	55.11
Operating Expenses	331.72	210.02	220.79	361.77	322.79
Operating Income	512.82	65.76	59.19	174.6	90.03
Interest Expense	-335.87	-0.7	-4.57	-21.56	-71.59
EBT Excluding Unusual Items	176.95	65.07	54.62	153.04	18.44
Pretax Income	176.95	65.07	54.62	153.04	18.44
Income Tax Expense	41.27	13.74	15.68	-136.65	-0.14
Earnings From Continuing Operations	135.68	51.33	38.94	289.69	18.58
Net Income	135.68	51.33	38.94	289.69	18.58
Net Income to Common	135.68	51.33	38.94	289.69	18.58
Net Income Growth	164.32%	31.82%	-86.56%	1459.12%	-
Shares Outstanding (Basic)	115	112	108	104	98
Shares Outstanding (Diluted)	117	113	108	104	102
Shares Change (YoY)	3.63%	4.29%	4.30%	1.81%	12.95%
EPS (Basic)	1.18	0.46	0.36	2.80	0.19
EPS (Diluted)	1.16	0.45	0.36	2.79	0.18
EPS Growth	157.78%	25.35%	-87.13%	1433.86%	-
Free Cash Flow	-	-2,688	-1,196	306.09	205.46
Free Cash Flow Per Share	-	-23.77	-11.03	2.94	2.01
Gross Margin	63.28%	23.76%	24.66%	42.24%	46.26%
Operating Margin	38.42%	5.67%	5.21%	13.75%	10.09%
Profit Margin	10.17%	4.42%	3.43%	22.81%	2.08%
Free Cash Flow Margin	-	-231.58%	-105.35%	24.11%	23.02%
EBITDA	574.48	124.6	106.39	218.43	134.32
EBITDA Margin	43.04%	10.73%	9.37%	17.20%	15.05%
D&A For EBITDA	61.66	58.83	47.2	43.83	44.29
EBIT	512.82	65.76	59.19	174.6	90.03
EBIT Margin	38.42%	5.67%	5.21%	13.75%	10.09%
Effective Tax Rate	23.32%	21.11%	28.71%	-	-

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Standard template. Financial Sources.

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