)
Edge17 Oct 2025
A Castle in the Sky: The Story of Oracle
Oracle's journey from database innovator to disciplined enterprise backbone, now shaping the AI buildout with a standardized cloud infrastructure.
LendingClub (LC) investor relations material
LendingClub Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary29 Jul, 2025
Executive summary
Loan originations rose 32% year-over-year to $2.4B, with revenue up 33% and net income up 156% to $38.2M, driven by strong product adoption and operating leverage.
Pre-provision net revenue grew 70% year-over-year to $93.7M, reflecting higher net interest and non-interest income.
Return on tangible common equity reached 11.8%, surpassing targets, and efficiency ratio improved to 62.3% from 70.6%.
Extended $3.4B funding partnership with Blue Owl and closed inaugural BlackRock transaction.
Launched LevelUp Checking and continued rollout of LevelUp Savings, driving higher member engagement.
Financial highlights
Total net revenue reached $248.4M, up 33% year-over-year, with non-interest income up 60% and net interest income up 20%.
Net interest margin improved to 6.14%, supported by 12% growth in interest-earning assets.
Provision for credit losses was $39.7M, up 12% year-over-year, mainly due to higher HFI loan volume but offset by improved credit performance.
Net charge-off ratio improved to 3.0% from 6.2% a year ago, reflecting credit outperformance.
Book value per share was $12.25; tangible book value per share was $11.53.
Outlook and guidance
Q3 2025 loan originations expected between $2.5B and $2.6B, up 31–36% year-over-year.
Pre-provision net revenue guidance for Q3 is $90M–$100M, up 37–53% year-over-year.
ROTCE target raised to 10%–11.5% for Q3, with similar levels expected in Q4.
Capital expenditures for 2025 expected at $155M, including a $74.5M office building acquisition.
Management expects sufficient liquidity for the next twelve months and beyond.
How does LevelUp Checking reward users?
Explain the driver of deposit growth.
Detail LendingClub's AI underwriting data.
How will LevelUp Checking impact borrower engagement?
What's driving the improved credit performance?
Explain the strategy for CET1 ratio deployment.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next LendingClub earnings date
Q3 202522 Oct, 2025
Next LendingClub earnings date
Q3 202522 Oct, 2025
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
Related articles
)
Company Research17 Oct 2025
Beneath the Surface: A Conversation with Epiroc CEO Helena Hedblom
Legacy, innovation, and leading one of Sweden's most influential industrial companies into a new era.
)
Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
Quartr Pro provides real time alerts, trend analysis and live coverage, giving analysts and investors instant insights to act faster in earnings.
Frequently asked questions
LendingClub Corp is a financial technology company that provides personal loans, auto refinancing, and deposit products through an online platform. It operates as a digital marketplace bank, combining traditional banking services with technology-driven credit evaluation and loan origination. The company serves individuals seeking to consolidate debt or manage expenses. LendingClub Corp is headquartered in San Francisco, California, and its shares are listed on the NYSE.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage