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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.
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Next LendingClub earnings date
Q3 202522 Oct, 2025
LIVEat 21:00
Next LendingClub earnings date
Q3 202522 Oct, 2025
LIVEat 21:00
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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.
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