LendingClub

LC

Market cap $2.07B

LendingClub Corporation (LC) has a strong lending base targeting the "motivated middle" that differentiates it from other fintechs. Compared to other fintechs, LendingClub has been unjustifiably left behind. LendingClub has changed the nature of its balance sheet by shifting its loan types from held-for-investment to held-for-sale, which I feel will drive revenue growth.

LendingClub held its Investor Day on November 5. The company divulged its medium-term originations, asset growth, and return on equity targets.

LendingClub recently reported strong third-quarter earnings results. LC also recently hosted an Investor Day, during which it announced a $100 million share repurchase program and new medium-term growth targets. Management expects to double loan originations.

The consensus price target hints at a 26.6% upside potential for LendingClub (LC). While empirical research shows that this sought-after metric is hardly effective, an upward trend in earnings estimate revisions could mean that the stock will witness an upside in the near term.

LendingClub Corporation ( LC ) Analyst/Investor Day November 5, 2025 9:00 AM EST Company Participants Artem Nalivayko - VP and Head of FP&A and Investor Relations Scott Sanborn - CEO & Director Kiran Aware Steven Mattics - Chief Lending Officer Mark Elliot - Chief Customer Officer Lukasz Strozek - Chief Technology Officer Andrew LaBenne - Chief Financial Officer Clarke Roberts John Morris Conference Call Participants Crispin Love - Piper Sandler & Co., Research Division Reginald Smith - JPMorgan Chase & Co, Research Division Giuliano Anderes-Bologna - Compass Point Research & Trading, LLC, Research Division David Scharf - Citizens JMP Securities, LLC, Research Division Timothy Switzer - Keefe, Bruyette, & Woods, Inc., Research Division Kyle Joseph - Stephens Inc., Research Division Vincent Caintic - BTIG, LLC, Research Division Mark Cammarota - Liberty Bank Jon Denfeld - AB Pooling Portfolios - AB Short Duration Bond Portfolio Ivan Zinn - Blue Owl Capital Inc. William Ryan - Seaport Research Partners Joanna Cheah - Jefferies LLC, Research Division Conversation Operator Welcome, everyone. Please welcome Artem Nalivayko, LendingClub's Head of Investor Relations.

LendingClub has partnered with Wisetack as it expands into the home improvement financing market. The partnership aims to accelerate LendingClub's move into this space by allowing the company to leverage Wisetack's network of 40,000 contractor merchants and dozens of embedded software-as-a-service partnerships, the companies said in a Wednesday (Nov. 5) press release.

SAN FRANCISCO , Nov. 5, 2025 /PRNewswire/ -- LendingClub Corporation (NYSE: LC) today announced ahead of its Investor Day in New York, NY, that the company's Board of Directors approved a program to repurchase and acquire up to $100 million of the company's common stock through December 31, 2026.1 "LendingClub has transformed its business and financial profile since becoming a bank holding company in 2021 and delivered record pre-tax net income in the third quarter of 2025," said Scott Sanborn, Chief Executive Officer of LendingClub. "This stock repurchase and acquisition program reflects the strength of our balance sheet, confidence in our long-term earnings power, and a disciplined approach to capital allocation.

Home improvement distribution partnership and technology acquisition accelerate market entry SAN FRANCISCO , Nov. 5, 2025 /PRNewswire/ -- LendingClub Corporation (NYSE: LC) today announced its expansion into the $500 billion home improvement financing market, a natural fit as the bank seeks to help consumers borrow smarter. The announcement is made ahead of LendingClub's Investor Day, held today in New York, NY, where the company will outline its vision for continued growth.

LendingClub reported impressive third-quarter results, with loan originations up 37% year over year. The lender saw strong demand for its loans from customers and for its structured certificates.

LendingClub announced it will be rebranding sometime next year. Despite seemingly superior underwriting, the stock trades at a big discount to peers.