LendingClub (NYSE:LC) Releases Q1 2026 Earnings Guidance

LendingClub (NYSE:LC) updated its first quarter 2026 earnings guidance on Wednesday. The company provided earnings per share guidance of 0.340-0.390 for the period, compared to the consensus earnings per share estimate of 0.340. The company issued revenue guidance of -. LendingClub also updated its FY 2026 guidance to 1.650-1.800 EPS.

Wall Street Analyst Weigh In

A number of equities research analysts have recently issued reports on LC shares. Citizens Jmp upgraded LendingClub from a “market perform” rating to an “outperform” rating and set a $23.00 price target on the stock in a report on Monday, November 10th. Piper Sandler reissued an “overweight” rating and set a $23.00 price objective on shares of LendingClub in a research report on Thursday. Janney Montgomery Scott upped their target price on LendingClub from $17.00 to $20.00 and gave the stock a “neutral” rating in a research report on Thursday, November 6th. JPMorgan Chase & Co. lifted their price target on LendingClub from $22.00 to $25.00 and gave the company an “overweight” rating in a report on Thursday, December 4th. Finally, BTIG Research reaffirmed a “buy” rating and set a $26.00 price objective on shares of LendingClub in a research report on Thursday. Six research analysts have rated the stock with a Buy rating and four have assigned a Hold rating to the stock. According to MarketBeat, LendingClub has an average rating of “Moderate Buy” and an average price target of $22.00.

LendingClub Stock Up 3.0%

LendingClub stock traded up $0.50 on Friday, hitting $16.94. The company’s stock had a trading volume of 902,512 shares, compared to its average volume of 2,237,822. The company has a fifty day moving average price of $19.41 and a 200-day moving average price of $17.21. The firm has a market cap of $1.95 billion, a P/E ratio of 14.72 and a beta of 2.08. LendingClub has a one year low of $7.90 and a one year high of $21.67.

LendingClub (NYSE:LC) last posted its quarterly earnings data on Wednesday, January 28th. The credit services provider reported $0.35 earnings per share for the quarter, topping the consensus estimate of $0.34 by $0.01. LendingClub had a net margin of 13.58% and a return on equity of 9.62%. The company had revenue of $266.47 million during the quarter, compared to analyst estimates of $262.88 million. During the same quarter last year, the business posted $0.08 earnings per share. The company’s revenue was up 22.7% on a year-over-year basis. LendingClub has set its FY 2026 guidance at 1.650-1.800 EPS and its Q1 2026 guidance at 0.340-0.390 EPS. Analysts anticipate that LendingClub will post 0.72 EPS for the current year.

LendingClub announced that its Board of Directors has approved a stock repurchase program on Wednesday, November 5th that allows the company to buyback $100.00 million in outstanding shares. This buyback authorization allows the credit services provider to repurchase up to 4.9% of its shares through open market purchases. Shares buyback programs are generally a sign that the company’s board of directors believes its stock is undervalued.

Insider Buying and Selling at LendingClub

In other news, Director Erin Selleck sold 2,390 shares of the firm’s stock in a transaction dated Friday, December 5th. The shares were sold at an average price of $19.47, for a total transaction of $46,533.30. Following the completion of the sale, the director owned 76,377 shares in the company, valued at approximately $1,487,060.19. This trade represents a 3.03% decrease in their position. The transaction was disclosed in a filing with the SEC, which can be accessed through this link. Corporate insiders own 3.19% of the company’s stock.

Key Stories Impacting LendingClub

Here are the key news stories impacting LendingClub this week:

• Positive Sentiment: Q4 results beat and stronger guidance — LC reported $0.35 EPS (beat) and revenue up 22–23% year-over-year; management raised FY2026 EPS guidance to $1.65–1.80 (above consensus), which supports upside to earnings expectations. LendingClub Reports Fourth Quarter and Full Year 2025 Results
• Positive Sentiment: Strong loan growth and product traction — Originations rose ~40% YoY to ~$2.6B and management highlighted LevelUp product adoption, signaling top-line growth momentum and a larger addressable book. LendingClub Grows LevelUp Base as Loan Originations Rise
• Positive Sentiment: Analyst support remains — Some firms continue to rate LC a buy (BTIG reiterated a buy with a $26 target), which suggests upside for longer-term holders despite near-term volatility. Benzinga
• Neutral Sentiment: Market reaction debated — Several op-eds and analysis pieces argue the post-earnings sell-off is overdone relative to fundamentals (profitability improvements and margins expanded), but note that investors are focused on accounting and governance signals. LendingClub: Irrational Earnings Sell Off
• Negative Sentiment: Accounting-method change triggered sharp sell-off — Reports note an accounting shift disclosed around the quarter that investors saw as materially changing how revenues/costs are recognized, prompting a large intraday drop (articles reference a ~16% move). That change increased uncertainty and prompted quick profit-taking. LendingClub (LC) drops 16% on accounting shift
• Negative Sentiment: Leadership shakeup and governance concerns — Coverage points to recent executive departures/reshuffling that have shaken confidence in execution and risk control, amplifying volatility after the quarter. LendingClub Leadership Shakeup Tests Confidence In Growing Loan Platform
• Negative Sentiment: Insider selling and mixed metric takes — Data-highlight articles point to recent insider sales and that while EPS beat, some revenue/metric details and cash flows left room for concern, contributing to the post-earnings decline. LendingClub Corporation (LC) Stock Falls on Q4 2025 Earnings

Institutional Trading of LendingClub

Several large investors have recently bought and sold shares of the business. PharVision Advisers LLC acquired a new position in shares of LendingClub during the third quarter valued at about $267,000. Scotia Capital Inc. acquired a new position in LendingClub during the third quarter worth $169,000. Banco BTG Pactual S.A. bought a new position in shares of LendingClub in the third quarter valued at $324,000. Tower Research Capital LLC TRC lifted its stake in shares of LendingClub by 114.2% in the second quarter. Tower Research Capital LLC TRC now owns 15,705 shares of the credit services provider’s stock valued at $189,000 after buying an additional 8,374 shares in the last quarter. Finally, Oxford Asset Management LLP acquired a new position in shares of LendingClub during the second quarter valued at about $325,000. 74.08% of the stock is owned by institutional investors and hedge funds.

About LendingClub

LendingClub Corporation operates an online lending marketplace that connects borrowers seeking personal and small business credit with individual and institutional investors. The platform leverages technology to streamline the loan application and underwriting process, offering unsecured personal loans, auto refinancing, and small business loans. In addition to lending products, LendingClub provides high-yield savings accounts and certificates of deposit through its banking charter, following its acquisition of Radius Bank in 2021.

Founded in 2006 by Renaud Laplanche, LendingClub pioneered peer-to-peer lending in the United States, helping to democratize access to credit and investment opportunities.