SoFi Technologies is a digital bank that aims to serve consumers' many financial needs in one place. The company's largest business is personal lending.

The heavy selling pressure might have exhausted for LendingClub (LC) as it is technically in oversold territory now. In addition to this technical measure, strong agreement among Wall Street analysts in revising earnings estimates higher indicates that the stock is ripe for a trend reversal.

LendingClub (LC) has been upgraded to a Zacks Rank #1 (Strong Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.

UCB, CX, TCBI, LC and KC have been added to the Zacks Rank #1 (Strong Buy) List on February 3, 2026.

LendingClub pulled back 16% following its Q4 earnings report. However, concerns over the current quarter's guidance seem short sighted and nitpicky.

LendingClub (NYSE: LC) executives highlighted strong growth, improving profitability, and continued credit outperformance on the company's fourth-quarter 2025 earnings call, while also providing detailed commentary on an accounting shift to the fair value option and 2026 guidance. Q4 and full-year performance CEO Scott Sanborn said the company "had a strong close" to what he described as

LendingClub reported a strong Q4 with the stock dipping to irrational disappointments on growth rates. The fintech reported Q4 loan originations grew 40% year-over-year to $2.6B and 2026 guidance of $11.6–$12.6B originations for 26% growth. The shift to fair value accounting pulls earnings forward, with 2026 EPS guided to $1.65–$1.80, up ~50% YoY.

LendingClub reported fourth-quarter 2025 earnings results after the market closed yesterday. The company reported earnings and revenue results, as well as forward guidance that came in ahead of Wall Street consensus estimates.

LendingClub offers accelerating loan growth and expanding net interest margins, defying rate pressures and delivering strong EPS at low P/E multiples. LC trades at just 11.4x P/E, with organic growth metrics trending above 20% y/y, making it a compelling value in a volatile market. The company guides for 21-31% y/y origination growth and 42-55% y/y pro forma EPS growth for FY26, supported by robust credit metrics.

While the top- and bottom-line numbers for LendingClub (LC) give a sense of how the business performed in the quarter ended December 2025, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.