LendingClub (NYSE:LC) Releases Q1 2026 Earnings Guidance

by · The Cerbat Gem

LendingClub (NYSE:LC – Get Free Report) updated its first quarter 2026 earnings guidance on Wednesday. The company provided EPS guidance of 0.340-0.390 for the period, compared to the consensus EPS 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 Analysts Forecast Growth

LC has been the subject of several recent analyst reports. Zacks Research cut shares of LendingClub from a “strong-buy” rating to a “hold” rating in a report on Monday, January 5th. Weiss Ratings reiterated a “hold (c)” rating on shares of LendingClub in a research report on Monday, December 29th. BTIG Research boosted their target price on shares of LendingClub from $18.00 to $26.00 and gave the stock a “buy” rating in a report on Thursday, November 6th. Piper Sandler restated an “overweight” rating and issued a $20.00 price target (up previously from $18.00) on shares of LendingClub in a research report on Thursday, October 23rd. Finally, Janney Montgomery Scott increased their price objective on LendingClub from $17.00 to $20.00 and gave the company a “neutral” rating in a research report on Thursday, November 6th. Six analysts have rated the stock with a Buy rating and four have assigned a Hold rating to the company. According to MarketBeat.com, the company presently has an average rating of “Moderate Buy” and a consensus price target of $21.57.

View Our Latest Stock Analysis on LC

LendingClub Stock Performance

Shares of NYSE:LC traded down $1.24 during mid-day trading on Wednesday, hitting $19.57. The stock had a trading volume of 5,106,589 shares, compared to its average volume of 1,966,301. LendingClub has a 12-month low of $7.90 and a 12-month high of $21.67. The company has a market cap of $2.26 billion, a PE ratio of 22.24 and a beta of 2.08. The company’s 50 day moving average is $19.32 and its 200-day moving average is $17.20.

LendingClub (NYSE:LC – Get Free Report) last issued its quarterly earnings results on Wednesday, January 28th. The credit services provider reported $0.35 earnings per share for the quarter, beating analysts’ consensus estimates of $0.34 by $0.01. LendingClub had a return on equity of 7.68% and a net margin of 10.94%.The business had revenue of $266.47 million for the quarter, compared to the consensus estimate of $262.88 million. LendingClub has set its FY 2026 guidance at 1.650-1.800 EPS and its Q1 2026 guidance at 0.340-0.390 EPS. On average, equities research analysts predict that LendingClub will post 0.72 EPS for the current fiscal year.

LendingClub announced that its Board of Directors has initiated a share repurchase plan on Wednesday, November 5th that authorizes the company to buyback $100.00 million in shares. This buyback authorization authorizes the credit services provider to buy up to 4.9% of its shares through open market purchases. Shares buyback plans are generally a sign that the company’s leadership believes its stock is undervalued.

Insider Buying and Selling at LendingClub

In related news, Director Erin Selleck sold 2,390 shares of LendingClub stock in a transaction on Friday, December 5th. The stock was 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 of the company’s stock, valued at approximately $1,487,060.19. This trade represents a 3.03% decrease in their ownership of the stock. The transaction was disclosed in a document filed with the Securities & Exchange Commission, which is accessible through the SEC website. Company insiders own 3.31% of the company’s stock.

Key Stories Impacting LendingClub

Here are the key news stories impacting LendingClub this week:

  • Positive Sentiment: FY 2026 guidance raised: LendingClub set full‑year 2026 EPS guidance of $1.65–$1.80, well above Street consensus (~$1.44), signaling management expects continued profitability improvement and driving longer‑term upside expectations. PR Newswire: LendingClub Reports Fourth Quarter and Full Year 2025 Results
  • Positive Sentiment: Q4 profitability beat and strong year‑over‑year gains: GAAP diluted EPS of $0.35 (up ~338% YoY) roughly matched or slightly beat some estimates, revenue and originations grew strongly (revenue +23%, originations +40%), and operating/net income rose substantially — supporting the narrative of accelerating margin recovery. Zacks: LC Q4 Earnings and Revenues Surpass Estimates
  • Neutral Sentiment: Q1 2026 guidance in line: Management gave Q1 EPS guidance of $0.34–$0.39 (consensus ~ $0.34), so near‑term guidance is largely in line with expectations — removes some near‑term upside surprise but supports FY guidance. Quarterly Press Release / Slide Deck
  • Neutral Sentiment: Board and risk leadership transitions announced: The company disclosed board/risk leadership changes (details in the release), which are operationally notable but not yet clearly payoff‑positive or negative for near‑term earnings. TipRanks: Board and Risk Leadership Transitions
  • Negative Sentiment: Mixed revenue signals and timing of expectations: some data providers flagged revenue as below a higher street estimate (~$270.1M), creating confusion and prompting after‑hours selling despite overall revenue growth; such mismatches can trigger short‑term downside. QuiverQuant: LC Stock Falls on Q4 2025 Earnings
  • Negative Sentiment: Rising short interest and notable insider selling: short interest grew ~22.7% in January (now ~3.7% of shares), and recent insider sales have been reported — both can amplify downward pressure and volatility after earnings. QuiverQuant: Insider & Short Interest Details

Institutional Trading of LendingClub

A number of institutional investors have recently added to or reduced their stakes in LC. CIBC Bancorp USA Inc. bought a new position in shares of LendingClub during the 3rd quarter valued at $183,000. Advisory Services Network LLC bought a new position in LendingClub during the third quarter valued at about $59,000. Connective Capital Management LLC acquired a new stake in shares of LendingClub in the third quarter worth about $567,000. CANADA LIFE ASSURANCE Co boosted its stake in shares of LendingClub by 17.6% during the 3rd quarter. CANADA LIFE ASSURANCE Co now owns 46,732 shares of the credit services provider’s stock worth $752,000 after acquiring an additional 6,998 shares in the last quarter. Finally, PharVision Advisers LLC acquired a new stake in LendingClub in the 3rd quarter worth approximately $267,000. 74.08% of the stock is currently owned by institutional investors and hedge funds.

LendingClub Company Profile

(Get Free Report)

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.

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