Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $501M | $575M | $695M | $759M | $315M | — | — | — | — | — |
| Revenue growth | — | 14.7% | 20.9% | 9.2% | -58.5% | — | — | — | — | — |
| Net income | -$146M | -$154M | -$128M | -$30.7M | -$188M | $18.6M | $290M | $38.9M | $51.3M | $136M |
| Net margin | -29.1% | -26.8% | -18.5% | -4.1% | -59.6% | — | — | — | — | — |
| EPS (diluted) | -$0.38 | -$1.88 | -$1.52 | -$0.35 | — | $0.18 | $2.79 | $0.36 | $0.45 | $1.16 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $545K | -$573M | -$640M | -$271M | $418M | $240M | $376M | -$1.14B | -$2.63B | -$2.73B |
| Capital expenditures | $51.8M | $44.6M | $53.0M | $50.7M | $31.1M | $34.4M | $69.5M | $59.5M | $54.3M | $140M |
| Free cash flow | -$51.3M | -$618M | -$693M | -$321M | $387M | $205M | $306M | -$1.20B | -$2.69B | -$2.87B |
| Share buybacks | $19.5M | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — |
| Dividends paid | — | — | $0.00 | $0.00 | $50.2M | $0.00 | $0.00 | — | — | — |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $693M | $644M | $644M | $487M | $628M | $764M | $1.12B | $1.29B | $977M | $930M |
| Total assets | $5.56B | $4.64B | $3.82B | $2.98B | $1.86B | $4.90B | $7.98B | $8.83B | $10.6B | $11.6B |
| Total liabilities | $4.59B | $3.71B | $2.95B | $2.08B | $1.14B | $4.05B | $6.82B | $7.58B | $9.29B | $10.1B |
| Long-term debt | — | — | — | — | — | — | — | $19.4M | $0.00 | $0.00 |
| Shareholders' equity | $976M | $922M | $869M | $900M | $724M | $850M | $1.16B | $1.25B | $1.34B | $1.50B |
| Retained earnings | -$234M | -$389M | -$518M | -$548M | -$786M | -$717M | -$428M | -$389M | -$337M | -$202M |
| Shares (wtd avg diluted) | 388M | 81.8M | 84.6M | 87.3M | 88.1M | 102M | 104M | 108M | 113M | 117M |
Every figure is extracted from LendingClub Corp’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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