LendingClub Corp (LC)

LendingClub's stock has shown strong momentum, with a 55.93% return over the past six months. Key events include a strong Q3 2025 earnings beat, an upgrade from JPMorgan with a raised price target, and a $1 billion funding agreement with BlackRock. Analyst sentiment is generally positive, with a consensus rating of "Moderate Buy". The CEO sold 30,000 shares, representing a 2.31% decrease in his holdings.

LendingClub experiences demand seasonality for its loan originations, with the fourth quarter typically seeing negative seasonality due to the holiday season. Despite this, LendingClub projected strong Q4 2025 originations. Consumer financial health also shows seasonal strains, influencing demand for lending products, with different reasons for seasonal financial hiccups throughout the year.

LendingClub Corporation operates as a digital marketplace bank in the United States, connecting borrowers and lenders through an online platform. It offers a range of financial products and services, including deposit accounts, consumer loans, and commercial loans, and participates in SBA lending programs. The company retains loans, funds them with its capital and deposits, and operates a marketplace for loan originations, with new digital products aimed at enhancing customer engagement.

LendingClub Corporation primarily operates within the United States and is headquartered in San Francisco, California.

LendingClub's brand reputation is positively influenced by its strong financial performance, product innovation, and credit outperformance. The company has reported record net interest income and high originations, with management highlighting robust demand for loans and marketplace products. A $1 billion funding agreement with BlackRock reflects rising institutional confidence. A cost reduction plan announced in October 2023 could have impacted reputation, but subsequent strong earnings suggest effective management of challenges.

LendingClub is primarily owned by institutional shareholders, holding approximately 80.05% of the company. Major institutional owners include The Vanguard Group, Inc., BlackRock, Inc., and Wellington Management Group LLP. Among individual shareholders, Norwest Venture Partners X L P is the largest. The CEO, Scott Sanborn, directly holds 1.1% of the total shares outstanding.