Event-Driven Stocks

LendingClub Corp

LCNYSE

Financials · Personal Credit Institutions · DE · SEC filings ↗ · Compare ⊕

View price & chart on Yahoo Finance ↗
Signs● 3 warningdetails ↓

Financials

SEC XBRL · annual
 FY25FY24FY23FY22FY21FY20
Revenue—————$314.7M
Operating income——————
Net income$135.7M$51.3M$38.9M$289.7M$18.6M−$187.5M
Total assets$11.57B$10.63B$8.83B$7.98B$4.90B$1.86B
Total liabilities$10.07B$9.29B$7.58B$6.82B$4.05B$1.14B
Equity$1.50B$1.34B$1.25B$1.16B$850.2M$724.2M
EPS (diluted)$1.16$0.45$0.36$2.79$0.18—
Shares out.113.4M110.4M106.6M101.0M93.6M88.9M

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2025
Operating margin
—
Net margin
—
Return on equity
9.0%
Return on assets
1.2%
Return on capital (ROCE)
—
Liabilities / assets
87.0%
Debt / equity
6.71×
Book value / share
$13.23
Revenue growth (YoY)
—
Net income growth (YoY)
164.3%

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Financial health

forensic scores · FY2025
Accruals / assets
24.7%high accruals
Piotroski F-Score
3/6weak

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

Quality score

EDS Score
57
/ 100
Profitability 100Growth 100Catalyst 33Earnings quality 0Financial strength 50

Our own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.

Signs

● 3 warning● 0 good
  • High leverage (liabilities > 70% of assets)
  • Negative operating cash flow
  • High accruals — earnings-quality risk

Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.

5%+ owners

SEC Schedule 13D / 13G · last 3 yrs

Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.

Short interest

FINRA · bi-monthly
SettlementShares shortDays to coverΔ vs prior
May 15, 20265.8M3.4+13.1%
Apr 30, 20265.1M1.4-5.7%
Apr 15, 20265.4M3.1-17.7%
Mar 31, 20266.6M3.7+44.0%
Mar 13, 20264.6M2.6-3.5%

Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.

Material events

SEC Form 8-K · most recent

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.

Recent SEC filings

All filings ↗

Event-driven situations (1)