In the wake of all the economic and interest rate turmoil since the pandemic, some promising young AI fintech start-ups went bust. However, one of the older and established fintechs, LendingClub (LC 0.28%), has been scooping up several bankrupt start-ups' intellectual property on the cheap.

The headline numbers for LendingClub (LC) give insight into how the company performed in the quarter ended March 2025, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.

LendingClub Corporation (NYSE:LC ) Q1 2025 Earnings Conference Call April 29, 2025 5:00 PM ET Company Participants Artem Nalivayko - Head, Investor Relations Scott Sanborn - Chief Executive Officer Drew LaBenne - Chief Financial Officer Conference Call Participants Bill Ryan - Seaport Research Partners Giuliano Bologna - Compass Point Vincent Caintic - BTIG Tim Switzer - KBW Crispin Love - Piper Sandler Operator Good afternoon. Thank you for attending today's LendingClub First Quarter '25 Earnings Conference Call.

LendingClub is one of the oldest publicly traded FinTechs around, with a banking charter to boot, lowering deposit costs in comparison to its FinTech peers. The company and its peers have seen significant volatility since the COVID and stimulus years, with the macro and rate environment looking equally unpredictable today. LendingClub is trading at 0.86x book value, but at a rather meagre 2.9% ROE in the last quarter, with unimpressive growth in originations and stiff competition in the lending space.

SAN FRANCISCO , April 7, 2025 /PRNewswire/ -- LendingClub Corporation (NYSE: LC), the parent company of LendingClub Bank, America's leading digital marketplace bank, announced that it will report earnings for the first quarter of 2025 after market closes on Tuesday, April 29, 2025. LendingClub will host a conference call to discuss the first quarter 2025 financial results at 2:00 p.m.

Financial stocks are particularly interesting right now. In the span of just five years, the sector has been battered by the COVID-19 downturn, rising interest rates, and the bankruptcies of several regional banks.

While the top- and bottom-line numbers for LendingClub (LC) give a sense of how the business performed in the quarter ended December 2024, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.

Popular market analyst Tom Lee of Fundstrat recently called the financial sector his favorite investment for 2025.

LendingClub's stock fell 20% post-earnings due to mixed results and guidance, presenting a buying opportunity for long-term investors. Despite concerns over loan origination growth, LC focuses on high credit quality and prudent growth, aiming for >$2.3 billion in 2025. Valuation remains low, and if 2025 guidance is conservative, the stock could see significant upside, currently trading at ~1.2x book value.

LendingClub disappointed the market with conservative guidance for 2025. The fintech's potential remains high, with plans to double loan originations over time and expand into new investment products, including a rated structured certificate program. LC stock is attractive at less than 10x peak earnings potential, but patience is required for full growth realization.