LendingClub Corp. (LC)
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
$19.210.00%
Close 2026-07-22 · 1-day change
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
QuarterlyIQ Insights · LC
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How this business ranks within financials on a research-validated quality screen. As of 2026-07-31.
The screen ranks LC against its sector on four durable signals: share dilution, return on capital, free-cash-flow yield, and FCF margin. Historically the highest-quality names tended toward better typical outcomes and fewer bad years over multi-year holds (strongest at three years, modest at one), and that pattern showed up even before the price moved. It characterizes business quality, not price direction.
Each leg is a sector-relative percentile (higher is better); 4 of 4 legs were available for this name. The composite is built from these four; the raw value follows each percentile for context.
A forward quality tilt, not a price prediction, and context for your own research rather than a recommendation. Not investment advice.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated strong grew net income 67% of the time over the next year (vs 56% for the rest of the cohort, n=7680).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Met or beat guidance 100% of the last 1 guided quarters · 20.5% avg surprise
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Continue to grow earnings per share to the guided range of $1.65 to $1.80 for the full year 2026.
Stated as a priority in 5 of last 5 quarters. Diluted EPS grew from $0.10 in 2025-Q1 to $0.44 in 2026-Q1, with guidance for full year 2026 EPS between $1.65 and $1.80. The trajectory matches management's stated goal, showing consistent EPS growth and on-track delivery.
“Full Year 2026 Diluted EPS $1.65 to $1.80”
“Full Year 2026 Diluted EPS $1.65 to $1.80”
“Diluted EPS $1.65 to $1.80 for full year 2026”
“Diluted EPS $1.65 to $1.80 for full year 2026”
“Diluted EPS $1.65 to $1.80 for full year 2026”
Grow loan originations to the guided range of $3.0 billion to $3.1 billion in the second quarter of 2026.
Stated as a priority in 3 of last 3 quarters. Loan originations grew 31% year-over-year to $2.7 billion in 2026-Q1, with guidance for Q2 2026 originations at $3.0B to $3.1B. The trajectory shows delivering growth consistent with management's stated target.
Complete the transfer of the company's stock listing from NYSE to Nasdaq and begin trading under the new ticker symbol HAPN.
Stated as a priority in 2 disclosures in 2026. The company completed the transfer of its listing from NYSE to Nasdaq on June 22, 2026, and began trading under the new ticker HAPN. This regulatory and listing transition was executed as planned.
Complete the rebranding of LendingClub Bank to Happen Bank to reflect the company's evolution into a digital-first bank.
Stated as a priority in 2 disclosures including 2026-Q1. The rebranding to Happen Bank was officially launched in June 2026, marking completion of the transition. This matches management's stated timeline and intent.
“Announced rebrand to Happen Bank launching summer 2026 reflecting expanded banking capabilities”
Grow the home improvement loan product line leveraging partnerships and technology to capture a $500 billion market opportunity.
Newly stated in 2026-Q1. Management began underwriting and originating home improvement loans in April 2026, entering a large $500 billion market. No subsequent quarters in the input restated this priority, so delivery trajectory is early stage.
“Began underwriting and originating home improvement loans through partnership with Wisetack platform”
Over the trailing year it converted -30.59x of net income into operating cash flow. Historically, Financials names rated fragile grew net income 52% of the time over the next year (vs 61% for the rest of the cohort, n=6844).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, long-term interest rates, Fed net liquidity, real (inflation-adjusted) rates (low R² over the window).
3 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated stable grew net income 56% of the time over the next year (vs 57% for the rest of the cohort, n=2725).
Not investment advice. As of 2026-09-04.
“Second Quarter 2026 Loan originations $3.0B to $3.1B”
“Loan originations grew 31% year-over-year to $2.7 billion”
“Loan originations $2.7 billion, up 31% year-over-year”