LendingClub (NYSE:LC) Updates FY 2026 Earnings Guidance

LendingClub (NYSE:LC) updated its FY 2026 earnings guidance on Wednesday. The company provided earnings per share guidance of 1.650-1.800 for the period, compared to the consensus earnings per share estimate of 1.440. The company issued revenue guidance of -. LendingClub also updated its Q1 2026 guidance to 0.340-0.390 EPS.

Wall Street Analyst Weigh In

A number of research analysts have weighed in on LC shares. Janney Montgomery Scott increased their price target on LendingClub from $17.00 to $20.00 and gave the stock a “neutral” rating in a research note on Thursday, November 6th. Piper Sandler reiterated an “overweight” rating and set a $20.00 price objective (up from $18.00) on shares of LendingClub in a research note on Thursday, October 23rd. BTIG Research reiterated a “buy” rating and issued a $26.00 target price on shares of LendingClub in a research note on Thursday. Citizens Jmp raised shares of LendingClub from a “market perform” rating to an “outperform” rating and set a $23.00 price target on the stock in a research note on Monday, November 10th. Finally, Weiss Ratings reiterated a “hold (c)” rating on shares of LendingClub in a research note on Monday, December 29th. Six equities research analysts have rated the stock with a Buy rating and four have issued a Hold rating to the company. According to data from MarketBeat, the stock currently has an average rating of “Moderate Buy” and an average target price of $21.57.

LendingClub Stock Performance

Shares of LC stock opened at $18.06 on Thursday. The business’s fifty day moving average is $19.39 and its 200-day moving average is $17.21. LendingClub has a 1 year low of $7.90 and a 1 year high of $21.67. The stock has a market cap of $2.08 billion, a PE ratio of 20.39 and a beta of 2.08.

LendingClub (NYSE:LC) last announced its earnings results on Wednesday, January 28th. The credit services provider reported $0.35 earnings per share (EPS) for the quarter, topping analysts’ consensus estimates of $0.34 by $0.01. The company had revenue of $266.47 million for the quarter, compared to analyst estimates of $262.88 million. LendingClub had a return on equity of 7.68% and a net margin of 10.94%.LendingClub’s revenue for the quarter was up 22.7% compared to the same quarter last year. During the same period in the previous year, the firm earned $0.08 earnings per share. LendingClub has set its FY 2026 guidance at 1.650-1.800 EPS and its Q1 2026 guidance at 0.340-0.390 EPS. Equities research analysts predict that LendingClub will post 0.72 earnings per share for the current year.

LendingClub declared that its Board of Directors has approved a stock repurchase program on Wednesday, November 5th that permits the company to repurchase $100.00 million in outstanding shares. This repurchase authorization permits the credit services provider to buy up to 4.9% of its stock through open market purchases. Stock repurchase programs are often a sign that the company’s board of directors believes its stock is undervalued.

Insider Buying and Selling at LendingClub

In related news, Director Erin Selleck sold 2,390 shares of the firm’s stock in a transaction on Friday, December 5th. The stock was sold at an average price of $19.47, for a total value of $46,533.30. Following the completion of the transaction, the director directly owned 76,377 shares of the company’s stock, valued at $1,487,060.19. This trade 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 through this hyperlink. Corporate insiders own 3.31% of the company’s stock.

Trending Headlines about LendingClub

Here are the key news stories impacting LendingClub this week:

• Positive Sentiment: Raised FY‑2026 guidance well above street expectations — management set EPS guidance of $1.65–$1.80 for FY‑2026 (consensus ~1.44), signaling confidence in profit growth. Press Release
• Positive Sentiment: Q4 results showed solid operational momentum — GAAP net income $41.6M, EPS $0.35 (beat/near consensus), revenue +23% YoY and originations +40% YoY, driven by traction in LevelUp products. Growth metrics support higher future earnings. Press Release
• Positive Sentiment: Analyst support: BTIG reaffirmed a “buy” rating and a $26 price target (~33% upside from current levels), which could anchor upside if momentum continues. Benzinga
• Neutral Sentiment: Q1‑2026 EPS guidance of $0.34–$0.39 roughly aligns with consensus (0.34), implying a steady near‑term outlook without an upside surprise. Slide Deck / Guidance
• Neutral Sentiment: Earnings call and analyst metric reviews provide color on product traction and unit economics — see the call transcript and Zacks analysis for itemized metric comparisons to estimates. Earnings Call Transcript Zacks Analysis
• Negative Sentiment: Short interest jumped ~22.7% in January to ~4.16M shares (≈3.7% of shares), which can amplify downside pressure and volatility if shorts add to positions.
• Negative Sentiment: Some investors focused on minor misses and market reaction: certain revenue estimates were slightly higher than reported revenue, and reporting of insider stock sales has raised concern about share supply — see QuiverQuant summary. QuiverQuant
• Negative Sentiment: Market moved to sell the stock after the print despite the beats and guide raise — likely profit‑taking after the run toward recent highs and concerns above.

Institutional Trading of LendingClub

A number of hedge funds have recently made changes to their positions in LC. Quarry LP raised its stake in shares of LendingClub by 343.0% in the third 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 bought a new stake in shares of LendingClub in the 2nd quarter worth approximately $53,000. Advisory Services Network LLC bought a new position in shares of LendingClub during the 3rd quarter worth $59,000. National Bank of Canada FI increased its stake in shares of LendingClub by 398.9% in the third quarter. National Bank of Canada FI now owns 7,862 shares of the credit services provider’s stock worth $119,000 after purchasing an additional 6,286 shares in the last quarter. Finally, Aquatic Capital Management LLC bought a new position in shares of LendingClub in the third quarter worth $132,000. 74.08% of the stock is 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.