SignalXSignalX

LC LendingClub Corp

FY2025 10-K
Filed: Feb 12, 2026
Financials
Personal Credit InstitutionsSEC EDGAR
LendingClub Corp Overview

LendingClub Corp (LC) filed its fiscal year 2025 10-K annual report with the SEC on Feb 12, 2026. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.

AI Filing Analysis
FY2025 10-K

Business Overview

  • • Core business model: Online lending platform connecting borrowers and investors
  • • New Repurchase and Acquisition Program approved Nov 2025 to buy up to $100 million shares through Dec 2026
+3 more insights

Management Discussion & Analysis

  • • Total revenue $998.8M in 2025, up 27% YoY from $787.0M in 2024, driven by marketplace revenue increasing 47% to $355.9M
  • • Net income $135.7M in 2025, up 164% YoY from $51.3M in 2024; operating margin improved with net revenue margin approx. 62.7% vs 52.5%
+3 more insights

Risk Factors

  • • Basel III capital ratios minimum: CET1 4.5%, Tier 1 6.0%, total risk-based 8.0%, leverage 4.0%, plus 2.5% capital conservation buffer
  • • Regulatory risk from OCC and FRB as LC Bank is a nationally chartered bank subject to bank holding company supervision
+3 more insights

Financial Summary
XBRL

Revenue

$999M

Net Income

$136M

Net Margin

13.6%

ROE

9.0%

Total Assets

$11.6B

EPS (Diluted)

$1.16

Operating Cash Flow

-$2.7B

Source: XBRL data from LendingClub Corp FY2025 10-K filing on SEC EDGAR. All figures in USD.

Get deeper insights on LendingClub Corp

Access full AI analysis, insider trading data, fund holdings, and cross-signal detection on SignalX.

Try Pro free for 1 month!

Enter SX-8KKYTN at checkout

Limited spots available