LendingClub Corp Financial Ratios
LC / Financials|FY2025 SEC 10-K data
Includes DuPont ROE decomposition, profitability margins, liquidity ratios, solvency indicators, and earnings quality analysis. All ratios calculated from FY2025 SEC 10-K data.
Key Data Points
- Altman Z-Score 0.13 (distress zone, below 1.8 threshold)
- Low earnings quality (accrual-heavy earnings)
Data sourced from SEC EDGAR filings. Not investment advice.
DuPont ROE Decomposition (FY2025)
Return on Equity
9.0%
Profit Margin
13.6%
Net Income / Revenue
Asset Turnover
0.09
Revenue / Total Assets
Equity Multiplier
7.71
Total Assets / Equity
Composite: 9.0% (reported: 9.0%)
Profitability
Gross Margin
-
Operating Margin
-
EBITDA
$512.8M
EBITDA Margin
51.3%
Liquidity
Current Ratio
-
Quick Ratio
-
Solvency
Interest Coverage
-8.12
Efficiency
Asset Turnover
0.09
Inventory Turnover
-
Days Sales Outstanding
-
As of FY2025 · SEC 10-K · Updated Jun 30, 2026
Earnings Quality
Accrual Ratio
+25.8%
+0.5pp YoY
Earnings include a notable portion of accrual components.
Note: For financial institutions, operating cash flow includes lending activities, which makes this ratio less comparable to non-financial companies.
This metric is for informational purposes only and does not constitute investment advice. Data sourced from SEC EDGAR filings; updates may be delayed.