LendingClub (LC) Earnings Surge 164% As Margin Story Tests Bullish Narratives

Simply Wall St.01-30

LendingClub (LC) has wrapped up FY 2025 with fourth quarter revenue of US$354.0 million and basic EPS of US$0.36, set against a trailing twelve month EPS of US$1.18 on revenue of about US$1.33 billion...

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Over the past year, the company has seen revenue move from US$1.16 billion to roughly US$1.33 billion on a trailing basis, while EPS shifted from US$0.46 to US$1.18, alongside earnings growth of 164.3%. Together with higher reported profit margins compared with the prior year, these results...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":["earning"],"viewcount":null,"language":"en","relate_stocks":{"BK4166":"消费信贷","BK4588":"碎股","BK4585":"ETF&股票定投概念","BK4112":"金融交易所和数据","LC":"LendingClub"},"translate_title":"LendingClub(LC)盈利飙升164%，利润率故事考验看涨叙事","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"LC":1.98},"content_text":"LendingClub (LC) has wrapped up FY 2025 with fourth quarter revenue of US$354.0 million and basic EPS of US$0.36, set against a trailing twelve month EPS of US$1.18 on revenue of about US$1.33 billion. Over the past year, the company has seen revenue move from US$1.16 billion to roughly US$1.33 billion on a trailing basis, while EPS shifted from US$0.46 to US$1.18, alongside earnings growth of 164.3%. Together with higher reported profit margins compared with the prior year, these results draw attention to how efficiently LendingClub is converting a modestly growing top line into bottom line gains. See our full analysis for LendingClub. With the numbers on the table, the next step is to see how this earnings profile lines up against the widely held stories about LendingClub, highlighting where the prevailing narratives hold up and where the latest results push back. Curious how numbers become stories that shape markets? Explore Community Narratives NYSE:LC Revenue & Expenses Breakdown as at Jan 2026 Advertisement164.3% earnings growth with 10.2% margin  Over the last twelve months, LendingClub earned US$135.7 million of net income on US$1.33b of revenue, which works out to reported earnings growth of 164.3% year on year and a net margin of 10.2% compared with 4.4% a year earlier. Supporters of a bullish view often point to this kind of earnings ramp, and here the data gives them strong talking points:\n     Quarterly net income moved from US$9.7 million in FY 2024 Q4 to US$41.6 million in FY 2025 Q4, while revenue over those same quarters went from US$315.4 million to US$354.0 million, so profit grew faster than sales. The trailing twelve month EPS rose from US$0.46 at FY 2024 Q4 to US$1.18 at FY 2025 Q4, alongside a reported 5 year annual earnings growth rate of 23.3%, which supports the bullish case that the business has been building a more profitable base, even with only modest revenue expansion.    Earnings forecasts outpacing 1.6% revenue growth  Forecasts in the data set show earnings expected to grow about 32.1% per year over the next three years, while revenue is projected to grow about 1.6% per year, compared with a cited 10.6% revenue growth forecast for the broader US market. What is notable for a bullish narrative is how heavily it leans on margins rather than sales growth:\n     The trailing twelve month revenue moved from US$1.16b at FY 2024 Q4 to US$1.33b at FY 2025 Q4, while net income over that window rose from US$51.3 million to US$135.7 million, so the earnings line is doing much more of the work than the top line. If earnings are growing at 164.3% over the past year against only modest revenue expansion and are then forecast to grow roughly 32.1% per year on a 1.6% revenue growth base, bulls get support for a margin-focused story, while critics may question how long such a gap between revenue growth and profit growth can persist.    Mixed valuation: 14x P/E and DCF fair value at US$44.43  The stock is shown trading on a 14x trailing P/E, below a 35.4x peer average but above the 8.4x US Consumer Finance industry average, with a DCF fair value of US$44.43 compared with a current share price of US$16.44 and an analyst price target of US$24.20, which together indicate a large gap between the quoted price and the valuation markers in the data. For a more cautious, bearish framing, these mixed valuation signals create some real push and pull:\n     On one side, the stock is described as trading 63% below the DCF fair value of US$44.43 and below the US$24.20 analyst target, and analysts in the data point to about 47.2% implied upside from the current US$16.44 share price, which is the sort of discount that usually supports optimism. On the other side, revenue is only forecast to grow at 1.6% per year versus 10.6% for the US market and the P/E is higher than the 8.4x Consumer Finance average, so critics can argue that even with recent earnings strength, a slower top line and a premium to the industry multiple mean the discount might not be a straightforward value signal.    To see how this valuation gap fits into the broader story bulls and bears are telling around LendingClub's growth and risk profile, take a closer look at the full narrative view. 📊 Read the full LendingClub Consensus Narrative.  Next Steps Don't just look at this quarter; the real story is in the long-term trend. We've done an in-depth analysis on LendingClub's growth and its valuation to see if today's price is a bargain. Add the company to your watchlist or portfolio now so you don't miss the next big move. See What Else Is Out There LendingClub’s story leans heavily on margins and earnings forecasts, while revenue growth of 1.6% per year trails the cited 10.6% US market figure. If you want ideas where revenue and earnings growth work more in tandem, check out CTA_SCREENER_STABLE_GROWTH to focus on companies aiming for steadier, more balanced expansion.  This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.New: AI Stock Screener & AlertsOur new AI Stock Screener scans the market every day to uncover opportunities.• Dividend Powerhouses (3%+ Yield)• Undervalued Small Caps with Insider Buying• High growth Tech and AI CompaniesOr build your own from over 50 metrics.Explore Now for FreeHave feedback on this article? Concerned about the content? Get in touch with us directly. 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