LendingClub Stock Surges After Q2 Beat, Strong Q3 Guidance

TigerJul 29, 2025 10:46 PM

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LendingClub stock jumped 26.5% in Tuesday after-hours trading after the online lender's Q2 EPS more than doubled the Wall Street estimate and its Q3 guidance indicates strong loan origination.

The company expects Q3 loan originations of $2.5B-$2.6B, better than the Visible Alpha consensus of $2.4B. Preprovision net revenue for the quarter is projected to be $90M-$100M vs. $93.7M in Q2, and return on tangible common equity is expected to be 10%-11.5% vs. 11.8% in Q2.

Q2 GAAP EPS of $0.33, topping the $0.15 consensus, rose from $0.10 in Q1 and $0.13 in last year's Q2.

Total net revenue of $248.4M, beating the $227.4M consensus, increased from $217.7M in the prior quarter and $187.2M a year ago.

"Strong revenue growth combined with credit outperformance resulted in $38 million of net income, delivering double-digit ROTCE in excess of our target and ahead of schedule," said CEO Scott Sanborn.

Q2 net interest income of $154.2M, exceeding the $150.2M Visible Alpha estimate, grew from $150.0M in Q1 and $128.5M in last year's Q2.

Pre-provision net revenue was $93.7M, up from $73.8M in Q1 and $55.0M in Q2 2024.

Loan originations rose 20% Q/Q and 32% Y/Y to $2.39B vs. the Visible Alpha consensus of $2.24B.

Provision for credit losses of $39.7M declined from $58.1M in Q1 and increased from $35.6M in last year's Q2.

Total servicing portfolio stood at $12.5B at June 30, 2025, up from $12.2B at March 31.

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