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LendingClub Corp (NYSE:LC) Surges 16% After Blowout Q2 2025 Earnings Beat

By Mill Chart

Last update: Jul 29, 2025

LENDINGCLUB CORP (NYSE:LC) reported second-quarter 2025 earnings that significantly exceeded analyst expectations, driving a sharp positive reaction in after-hours trading. The digital marketplace bank posted revenue of $248.4 million, up 33% year-over-year and surpassing the consensus estimate of $234.3 million. Earnings per share (EPS) came in at $0.33, more than double the $0.1579 forecast by analysts and marking a 156% increase in net income compared to the prior year.

Key Financial Highlights vs. Estimates

  • Revenue Beat: Actual revenue of $248.4M vs. $234.3M estimated (+6% beat).
  • EPS Surprise: $0.33 reported vs. $0.1579 expected (+109% beat).
  • Loan Originations: Grew 32% year-over-year, indicating strong demand for LC’s lending products.
  • Profitability Metrics: Return on equity (ROE) reached 11%, while return on tangible common equity (ROTCE) hit 12%, reflecting improved efficiency.

Market Reaction

Following the earnings release, LC shares surged 15.94% in after-hours trading, reflecting investor optimism over the company’s accelerating growth and profitability. The stock had already gained 5.56% over the past two weeks and 8.98% over the past month, suggesting that some investors may have been positioning ahead of the earnings report.

Outlook vs. Analyst Expectations

While the press release did not provide explicit forward guidance, analysts currently estimate:

  • Q3 2025 Revenue: $245.04M (vs. $183.75M implied EPS).
  • Full-Year 2025 Revenue: $958.61M (vs. $672.28M implied EPS).
    Given the strong Q2 performance, investors will be watching whether LendingClub can sustain this momentum into the second half of the year.

Press Release Takeaways

  • Strong Growth Across Metrics: Originations, revenue, and net income all posted double- or triple-digit growth.
  • Expense Discipline: The company highlighted cost management as a key factor in expanding profitability.
  • Deposit & Loan Expansion: LC Bank continues to attract borrowers and savers through its digital-first approach.

For a deeper dive into LendingClub’s earnings and future estimates, see the full earnings and estimates breakdown here.

Disclaimer: This article is for informational purposes only and does not constitute investment advice. Investors should conduct their own research before making any financial decisions.

LENDINGCLUB CORP

NYSE:LC (8/18/2025, 8:47:47 PM)

Premarket: 15.85 -0.09 (-0.56%)

15.94

+0.44 (+2.84%)



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