LendingClub Corp
NYSE: LCPersonal Credit Institutions · Entity-resolved by Clous
Key financials
Short interest & fails
Short volume (FINRA Reg SHO) · fails-to-deliver (SEC) · borrow fee (broker securities-lending feed) — via the Clous API.
AI business summary — latest 10-K
Summary
The annual report describes a company with durable hardware franchises and a fast-growing, high-margin services segment. Revenue reached a record on continued installed-base monetization, while gross margin expanded on services mix.
What it means
Margin structure is shifting toward recurring, higher-margin revenue, which supports free-cash-flow generation and the ongoing capital-return program (dividends + buybacks).
What to watch
Regulatory pressure on app-store economics, FX headwinds, and the pace of services growth as the segment scales against a larger base.
Generated from public filings · not investment advice
| Concept | FY2022-12-31 | FY2023-12-31 | FY2024-12-31 | FY2025-12-31 | YoY | % rev |
|---|---|---|---|---|---|---|
| Net Income | $289.69M | $38.94M | $51.33M | $135.68M | +164.3% | — |
| Total Assets | $7.98B | $8.83B | $10.63B | $11.57B | +8.8% | — |
| Equity | — | $1.25B | $1.34B | $1.5B | +11.8% | — |
| Operating Cash Flow | $375.57M | -$1.14B | -$2.63B | -$2.73B | -3.5% | — |
| Shares Outstanding | — | — | — | 115.18M | — | — |
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