LendingClub Stock Jumps as Q3 Earnings Top Consensus; Issues in-Line Q4 Guidance

TigerOct 22, 2025 11:36 PM

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LendingClub shares shot up 5.9% in Wednesday after-hours trading after posting better-than-expected earnings for Q3 2025, with pre-provision net revenue and loan origination volume both rising markedly.

The consumer finance company also issued guidance for Q4 2025. Loan originations are expected to be $2.5B-$2.6B (midpoint $2.55B), vs. $2.51B Visible Alpha estimate; pre-provision net revenue is anticipated to be $90M-$100M (midpoint $95M); and return on tangible common equity ("ROTCE") is target at 10%-11.5% (midpoint 10.75%).

Q3 GAAP EPS of $0.37, exceeding the $0.30 average analyst estimate, rose from $0.33 in Q2 and $0.13 a year earlier. Net revenue of $266.2M, vs. $256.0M expected, advanced from $248.4M in Q2 and $201.9M in the year-ago period.

The firm recorded $2.6B in Q3 origination activity, up from $2.39B in Q2 and +37% from a year before. That compares with the $2.56B Visible Alpha consensus.

Provision for credit losses drifted up to $46.3M from $39.7M in Q2, but slid 3% Y/Y.

Pre-provision net revenue was $103.5M, up 10% sequentially and 58% from last year's Q3.

ROTCE of 13.2% compared with 11.8% in Q2 and 4.7% in Q3 2024.

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