LendingClub (NYSE:LC) Issues FY 2026 Earnings Guidance

LendingClub (NYSE:LC) issued an update on its FY 2026 earnings guidance on Wednesday morning. The company provided earnings per share guidance of 1.650-1.800 for the period, compared to the consensus earnings per share estimate of 1.440. The company issued revenue guidance of -. LendingClub also updated its Q1 2026 guidance to 0.340-0.390 EPS.

LendingClub Trading Down 5.9%

Shares of LC stock traded down $1.24 during trading on Wednesday, reaching $19.57. 5,106,589 shares of the company’s stock traded hands, compared to its average volume of 1,966,301. The firm’s 50-day moving average is $19.32 and its 200 day moving average is $17.20. The company has a market capitalization of $2.26 billion, a P/E ratio of 22.24 and a beta of 2.08. LendingClub has a 1 year low of $7.90 and a 1 year high of $21.67.

LendingClub (NYSE:LC) last posted its earnings results on Wednesday, January 28th. The credit services provider reported $0.35 earnings per share (EPS) for the quarter, topping the consensus estimate of $0.34 by $0.01. LendingClub had a return on equity of 7.68% and a net margin of 10.94%.The firm 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. As a group, sell-side analysts predict that LendingClub will post 0.72 earnings per share for the current fiscal year.

LendingClub declared that its board has approved a share repurchase plan on Wednesday, November 5th that permits the company to buyback $100.00 million in shares. This buyback authorization permits the credit services provider to repurchase up to 4.9% of its stock through open market purchases. Stock buyback plans are generally a sign that the company’s board of directors believes its shares are undervalued.

Wall Street Analyst Weigh In

Several equities analysts recently commented on LC shares. JPMorgan Chase & Co. boosted their target price on LendingClub from $22.00 to $25.00 and gave the stock an “overweight” rating in a research report on Thursday, December 4th. Zacks Research lowered shares of LendingClub from a “strong-buy” rating to a “hold” rating in a research report on Monday, January 5th. BTIG Research increased their price target 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 reaffirmed an “overweight” rating and set a $20.00 price target (up previously from $18.00) on shares of LendingClub in a research note on Thursday, October 23rd. Finally, 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 note on Thursday, November 6th. Six analysts have rated the stock with a Buy rating and four have assigned a Hold rating to the company. Based on data from MarketBeat, LendingClub has a consensus rating of “Moderate Buy” and a consensus price target of $21.57.

Insiders Place Their Bets

In other LendingClub news, Director Erin Selleck sold 2,390 shares of the firm’s stock in a transaction on Friday, December 5th. The shares were sold at an average price of $19.47, for a total value of $46,533.30. Following the sale, the director owned 76,377 shares of the company’s stock, valued at $1,487,060.19. This trade represents a 3.03% decrease in their position. The sale was disclosed in a legal filing with the Securities & Exchange Commission, which is available at the SEC website. 3.31% of the stock is owned by insiders.

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 Inflows and Outflows

Institutional investors and hedge funds have recently made changes to their positions in the company. Wellington Management Group LLP grew its stake in LendingClub by 18.8% in the third quarter. Wellington Management Group LLP now owns 7,960,550 shares of the credit services provider’s stock worth $120,921,000 after purchasing an additional 1,261,861 shares during the period. Balyasny Asset Management L.P. boosted its holdings in shares of LendingClub by 12.9% during the 3rd quarter. Balyasny Asset Management L.P. now owns 1,984,349 shares of the credit services provider’s stock valued at $30,142,000 after buying an additional 226,325 shares in the last quarter. Bank of America Corp DE increased its stake in shares of LendingClub by 32.1% in the 2nd quarter. Bank of America Corp DE now owns 961,530 shares of the credit services provider’s stock worth $11,567,000 after acquiring an additional 233,665 shares in the last quarter. Goldman Sachs Group Inc. lifted its position in LendingClub by 1.4% during the 1st quarter. Goldman Sachs Group Inc. now owns 852,005 shares of the credit services provider’s stock valued at $8,793,000 after acquiring an additional 12,019 shares during the period. Finally, Connor Clark & Lunn Investment Management Ltd. grew its holdings in LendingClub by 24.5% in the third quarter. Connor Clark & Lunn Investment Management Ltd. now owns 830,979 shares of the credit services provider’s stock worth $12,623,000 after purchasing an additional 163,310 shares during the period. Hedge funds and other institutional investors own 74.08% of the company’s stock.

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.