LendingClub (NYSE:LC) Updates Q1 2026 Earnings Guidance

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

LendingClub Trading Down 5.9%

Shares of LC traded down $1.24 during mid-day trading on Wednesday, reaching $19.57. The company had a trading volume of 5,106,589 shares, compared to its average volume of 1,966,301. The stock has a market cap of $2.26 billion, a price-to-earnings ratio of 22.24 and a beta of 2.08. The firm has a fifty day simple moving average of $19.32 and a 200-day simple moving average of $17.20. LendingClub has a fifty-two week low of $7.90 and a fifty-two week high of $21.67.

LendingClub (NYSE:LC) last announced its quarterly earnings results on Wednesday, January 28th. The credit services provider reported $0.35 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 company had revenue of $266.47 million during the quarter, compared to analyst estimates 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, equities analysts predict that LendingClub will post 0.72 EPS for the current fiscal year.

LendingClub announced that its board has initiated a stock repurchase program on Wednesday, November 5th that allows the company to buyback $100.00 million in shares. This buyback authorization allows the credit services provider to purchase up to 4.9% of its stock through open market purchases. Stock buyback programs are typically an indication that the company’s leadership believes its shares are undervalued.

Analyst Ratings Changes

LC has been the subject of a number of research reports. BTIG Research upped their price target on shares of LendingClub from $18.00 to $26.00 and gave the stock a “buy” rating in a research report on Thursday, November 6th. Keefe, Bruyette & Woods raised their price target on shares of LendingClub from $20.00 to $22.00 and gave the company an “outperform” rating in a report on Friday, November 7th. Citizens Jmp raised shares of LendingClub from a “market perform” rating to an “outperform” rating and set a $23.00 price objective for the company in a research report on Monday, November 10th. JPMorgan Chase & Co. raised their price objective on LendingClub from $22.00 to $25.00 and gave the company an “overweight” rating in a research note on Thursday, December 4th. Finally, Janney Montgomery Scott lifted their price target on shares of LendingClub from $17.00 to $20.00 and gave the stock a “neutral” rating in a research note on Thursday, November 6th. Six investment analysts have rated the stock with a Buy rating and four have issued a Hold rating to the stock. Based on data from MarketBeat, LendingClub presently has a consensus rating of “Moderate Buy” and a consensus target price of $21.57.

Insiders Place Their Bets

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

LendingClub News Roundup

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

Hedge Funds Weigh In On LendingClub

Hedge funds and other institutional investors have recently bought and sold shares of the stock. Quarry LP lifted its holdings in shares of LendingClub by 343.0% in the 3rd quarter. Quarry LP now owns 3,030 shares of the credit services provider’s stock worth $46,000 after purchasing an additional 2,346 shares during the last quarter. Headlands Technologies LLC acquired a new stake in shares of LendingClub in the 2nd quarter worth about $53,000. Advisory Services Network LLC bought a new stake in LendingClub in the 3rd quarter valued at about $59,000. National Bank of Canada FI boosted its stake in LendingClub by 398.9% during the 3rd quarter. National Bank of Canada FI now owns 7,862 shares of the credit services provider’s stock valued at $119,000 after purchasing an additional 6,286 shares during the period. Finally, Aquatic Capital Management LLC acquired a new stake in shares of LendingClub in the third quarter valued at approximately $132,000. 74.08% of the stock is currently owned by institutional investors and hedge funds.

LendingClub Company Profile

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.