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Income Statement (NONE)
| Q1 '25 | QoQ | |
|---|---|---|
| Revenue | 300M | 38% |
| Gross Profit | 169M | 22.4% |
| Cost of Revenue | 131M | 0% |
| Operating expense | 43M | 80% |
| Net Income | 12M | 20.1% |
| EBITDA | 113M | 0% |
Balance Sheet (NONE)
| Q1 '25 | QoQ | |
|---|---|---|
| Total Assets | 10.5B | 1.4% |
| Total Liabilities | 9.12B | 1.8% |
| Total Equity | 1.36B | 1.7% |
| Shares Outstanding | 116M | 0.2% |
Cash Flow (NONE)
| Q1 '25 | QoQ |
|---|
EPS
Financial Highlights for LendingClub in Q1 '25
LendingClub reported a revenue of 300M, which is a 38% change from the previous quarter. An increase in revenue typically indicates growing demand for the company's products or services. This positive change in revenue is a good sign, suggesting that the company's sales are moving in the right direction.
Gross Profit stood at 169M, marking a -22.4% change since the last quarter. Gross profit showcases the efficiency in production and sales processes.
Cost of Revenue was 131M, a 0% difference from the previous quarter. A rising cost of revenue may suggest increased production or sales costs, which can impact margins. However, if accompanied by a proportionate rise in revenue, it could indicate scaling operations.
Operating Expenses for this period were 43M, showing a -80% change from the last quarter. Operating expenses cover the costs of running daily business operations. A significant increase might indicate inefficiencies or investments in growth, while a decrease could suggest cost-saving measures or potential underinvestment in key areas.
Net Income for the quarter was 12M, showing a 20.1% change from the prior quarter. Net income provides a clear picture of the company's profitability after all expenses. An increase suggests the company is becoming more profitable, while a decrease may raise concerns about the company's financial health, unless there are specific one-time costs or investments.
The company's EBITDA for the quarter was 113M, showing a 0% change from the previous period. EBITDA gives insight into the company's operational profitability, excluding non-operating expenses like interest and taxes. A rising EBITDA indicates strong operational performance, while a declining EBITDA may signal operational challenges or increased costs.
LendingClub faced some challenges this quarter with a decline in one or more of the key metrics: revenue, gross profit, or net income.
