LC Stock Cash Flow Statements

LendingClub Quarterly Cash Flow Statements Chart

Quarterly

Annual

Stock-Based Compensation

Operating Cash Flow

Investing Cash Flow

Financing Cash Flow

Free Cash Flow

Capital Expenditure

LendingClub Quarterly Cash Flow Statements Table

Quarterly

Annual

Unit: USD	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31

cash flows from operating activities:
net income	38,178,000	11,671,000	9,720,000	14,457,000	14,903,000	12,250,000	10,155,000	5,008,000	10,110,000	13,666,000		43,198,000
adjustments to reconcile net income to net cash from operating activities:
net fair value adjustments	27,869,000	29,251,000	24,980,000	33,595,000	51,395,000	44,689,000	53,892,000	41,366,000	23,442,000	15,414,000	15,774,000	619,000	-9,647,000	-15,249,000	-10,700,000	-2,705,000	4,098,000	5,321,000	8,435,000	696,000	6,378,000	101,738,000
change in fair value of loan servicing assets	13,665,000	17,058,000	15,291,000	24,772,000	15,868,000	19,428,000	20,831,000	12,100,000	17,074,000	12,576,000	19,301,000	15,915,000	21,034,000	16,979,000	14,524,000	14,984,000	12,763,000	11,837,000
gain on sales of loans	-13,540,000	-12,202,000	-15,007,000	-12,433,000	-10,748,000	-10,909,000	-11,921,000	-8,572,000	-13,221,000	-14,125,000	-18,352,000	-23,554,000	-29,319,000	-24,110,000	-20,569,000	-21,907,000	-19,317,000	-8,323,000	-7,088,000	-7,739,000	-1,724,000	-14,261,000
benefit from credit losses	39,733,000	58,149,000	63,238,000	47,541,000	35,561,000	31,927,000	41,907,000	64,479,000	66,595,000	70,584,000	61,512,000	82,739,000	70,566,000	52,509,000	45,149,000	37,524,000	34,634,000	21,493,000
accretion of loan deferred fees and costs	-15,713,000	-15,834,000	-15,555,000	-16,294,000	-17,857,000	-18,829,000	-16,237,000	-24,194,000	-26,182,000	-24,110,000	-22,652,000	-22,094,000	-22,140,000	-19,252,000
stock-based compensation	9,065,000	8,519,000	9,542,000	9,534,000	9,449,000	11,544,000	10,267,000	14,406,000	15,828,000	11,888,000	16,152,000	16,743,000	17,773,000	15,694,000	17,438,000	16,810,000	17,710,000	14,801,000	14,078,000	15,122,000	14,204,000	18,129,000
depreciation and amortization	15,460,000	13,909,000	19,748,000	13,341,000	13,072,000	12,673,000	11,953,000	11,250,000	11,638,000	12,354,000	11,554,000	10,681,000	10,557,000	11,039,000					12,197,000	12,348,000	16,611,000	12,873,000
other	2,721,000	3,172,000	4,386,000	5,110,000	2,278,000	-1,020,000	-458,000	-2,111,000	-2,693,000	-3,670,000	-2,343,000	-2,005,000	961,000	1,559,000	469,000	2,542,000	3,095,000	2,548,000	-660,000	2,721,000	6,132,000	729,000
net change to loans held for sale	-868,774,000	-448,379,000	-295,169,000	-825,749,000	-1,052,697,000	-928,163,000	-944,637,000	-452,053,000	-189,085,000	50,738,000	-34,959,000	-23,796,000	96,388,000	-29,601,000	19,612,000	37,065,000	-9,035,000	-42,786,000
net change in operating assets and liabilities:
other assets	18,635,000	5,442,000	2,675,000	11,490,000	6,251,000	2,006,000	31,272,000	9,557,000	-526,000	14,591,000	-5,610,000	-4,504,000	-7,091,000	443,000	-2,123,000	-2,314,000	4,994,000	-10,290,000	-23,041,000	5,508,000	36,069,000	1,192,000
other liabilities	19,607,000	-10,012,000	-9,222,000	24,808,000	68,000	-22,112,000	-21,829,000	-16,166,000	-4,337,000	-45,414,000	-27,438,000	21,336,000	-4,560,000	-10,174,000	32,372,000	-19,646,000	23,979,000	-10,333,000
net cash from operating activities	-713,094,000	-339,256,000	-185,373,000	-669,828,000	-932,457,000	-846,516,000	-814,805,000	-344,930,000	-91,357,000	114,492,000	33,350,000	110,263,000	191,282,000	40,673,000	121,582,000	85,667,000	83,986,000	-51,366,000	53,074,000	419,324,000	162,080,000	-216,447,000
capex	-90,694,000	-13,066,000	-17,220,000	-12,436,000	-12,865,000	-11,781,000	-11,270,000	-15,984,000	-15,857,000	-16,398,000	-14,822,000	-17,301,000	-15,783,000	-21,575,000	-9,978,000	-9,451,000	-8,619,000	-6,365,000	-6,564,000	-5,000,000	-8,148,000	-11,435,000
free cash flows	-803,788,000	-352,322,000	-202,593,000	-682,264,000	-945,322,000	-858,297,000	-826,075,000	-360,914,000	-107,214,000	98,094,000	18,528,000	92,962,000	175,499,000	19,098,000	111,604,000	76,216,000	75,367,000	-57,731,000	46,510,000	414,324,000	153,932,000	-227,882,000
cash flows from investing activities:
net change in loans and leases	-705,000	85,848,000	203,555,000	-862,564,000	313,889,000	121,263,000	395,392,000	324,051,000	80,413,000	-302,580,000	-1,140,435,000	-749,579,000	-622,450,000	-258,829,000	-444,858,000	-280,040,000
purchases of securities available for sale			-18,037,000	-16,408,000			-2,312,000	-14,216,000	-7,875,000	-37,245,000	0	0	-56,411,000	-166,123,000	-21,560,000	-28,388,000	-40,615,000	-9,911,000	-200,000	-6,093,000	-12,534,000	-34,909,000
proceeds from maturities and paydowns of securities available for sale	435,025,000	380,365,000			190,400,000	119,556,000	54,853,000	23,834,000	10,022,000	9,000,000	16,302,000	20,131,000	24,655,000	24,990,000	34,762,000	35,136,000	39,265,000	34,239,000
purchases of property, equipment and software	-90,694,000	-13,066,000	-17,220,000	-12,436,000	-12,865,000	-11,781,000	-11,270,000	-15,984,000	-15,857,000	-16,398,000	-14,822,000	-17,301,000	-15,783,000	-21,575,000	-9,978,000	-9,451,000	-8,619,000	-6,365,000	-6,564,000	-5,000,000	-8,148,000	-11,435,000
other investing activities	-399,000	-2,689,000	-966,000	-414,000	10,885,000	-12,156,000	3,930,000	-1,006,000	-929,000	-6,671,000	1,281,000	-1,681,000	-1,056,000	-2,967,000	-13,227,000	-985,000	-3,495,000	4,960,000	100,000	100,000	100,000	100,000
net cash from investing activities	337,025,000	450,458,000	498,090,000	-594,127,000	486,968,000	216,882,000	448,801,000	325,794,000	78,516,000	-336,414,000	-1,114,784,000	-712,889,000	-621,903,000	-360,224,000	-378,996,000	-180,508,000	-182,814,000	287,908,000	115,180,000	135,173,000	172,023,000	143,395,000
cash flows from financing activities:
net change in deposits	233,554,000	-167,601,000	-381,825,000	1,351,133,000	573,916,000	199,255,000	322,339,000	148,495,000	-375,558,000	826,117,000
principal payments on borrowings			-2,918,000	-2,073,000	-7,230,000	-6,981,000	-1,598,000	-4,574,000	-36,783,000	-21,493,000
other financing activities	-3,411,000	-750,000	-855,000	-4,279,000	-4,106,000	-4,428,000	-2,638,000	-4,129,000	-7,699,000	-5,367,000	-1,034,000	-1,670,000	-1,340,000	-4,984,000	-1,847,000	-3,830,000	-2,235,000	-1,383,000	24,618,000	-6,511,000	-6,779,000	-18,424,000
net cash from financing activities	230,143,000	-168,351,000	-385,598,000	1,344,781,000	312,580,000	437,846,000	309,895,000	130,677,000	-432,782,000	781,777,000	1,186,792,000	519,520,000	419,121,000	669,697,000	81,272,000	342,027,000	-179,510,000	105,853,000	-83,736,000	-483,269,000	-294,956,000	19,522,000
net decrease in cash, cash equivalents and restricted cash	-145,926,000	-57,149,000																			39,147,000	-53,530,000
cash, cash equivalents and restricted cash, beginning of period	0	977,396,000	0	0	0	1,294,148,000	0	0	0	1,124,484,000	0	0	0	763,586,000	0	0			0	0	0	487,122,000
cash, cash equivalents and restricted cash, end of period	-145,926,000	920,247,000	-72,881,000	80,826,000	-132,909,000	1,102,360,000	-56,109,000	111,541,000	-445,623,000	1,684,339,000	105,358,000	-83,106,000	-11,500,000	1,113,732,000	-176,142,000	247,186,000			84,518,000	71,228,000	39,147,000	433,592,000
supplemental cash flow information:
cash paid for interest	81,091,000	84,348,000	100,117,000	99,898,000	87,579,000	90,682,000				51,608,000						17,295,000			28,201,000	76,848,000	-4,768,000	43,559,000
cash paid for taxes			164,000	59,000						4,526,000
cash paid for operating leases included in the measurement of lease liabilities	3,456,000	3,237,000	3,289,000	3,220,000	3,271,000	3,089,000				3,156,000						5,527,000			4,593,000	4,135,000	3,568,000	4,383,000
supplemental non-cash investing activity:
net securities retained from structured program transactions	531,509,000	349,002,000	483,386,000	730,182,000	759,149,000	738,976,000														-425,000	-377,000	44,260,000
proceeds from short-term borrowings						250,000,000
income tax benefit from release of tax valuation allowance											-3,180,000	-5,015,000
proceeds from sales, maturities and paydowns of securities available for sale			330,758,000
net increase in cash, cash equivalents and restricted cash			-72,881,000	80,826,000	-132,909,000	-191,788,000	-56,109,000	111,541,000	-445,623,000	559,855,000	105,358,000	-83,106,000	-11,500,000	350,146,000	-176,142,000	247,186,000	-278,338,000	342,395,000	84,518,000
supplemental non-cash financing activity:
derecognition of payable to securitization note and residual certificate holders held in consolidated vie
acquisition of company															0	0	0	-145,344,000
cash received from acquisition															0	0	0	668,236,000
net decrease in retail and certificate loans							8,208,000	9,115,000	12,742,000	17,480,000	22,890,000	35,541,000	49,142,000	64,280,000	75,865,000	103,220,000	120,497,000	138,288,000
proceeds from sales of securities available for sale															0	0	0	106,192,000
principal payments on retail notes and certificates							-8,208,000	-9,115,000	-12,742,000	-17,480,000	-33,145,000	-35,617,000	-49,140,000	-64,358,000
non-cash financing activity:
consolidated net income														40,836,000	29,108,000	27,185,000	9,371,000	-47,084,000	-26,655,000	-34,325,000	-78,471,000	-48,087,000
adjustments to reconcile consolidated net income to net cash from operating activities:
net change in demand deposits and savings accounts											1,268,783,000	595,834,000	550,195,000	841,689,000	317,171,000	299,124,000	166,577,000	343,787,000
proceeds from ppplf															0
repayment on ppplf											-27,517,000	-31,773,000	-69,927,000	-78,562,000	-120,012,000
proceeds from issuance of retail notes and certificates
principal payments on structured program borrowings											-2,810,000	-4,075,000	-5,182,000	-9,356,000	-19,691,000	-23,678,000	-24,427,000	-22,391,000
proceeds from issuance of notes and certificates from structured program transactions																				0	0	186,190,000
principal payments on short-term borrowings											-2,185,000	-3,179,000	-5,485,000	-14,732,000	-18,477,000	-22,811,000	-21,444,000	-24,908,000
principal payments on long-term debt															0	0
deemed dividend paid to preferred stockholder																				0	0	-50,204,000
year ended december 31,
non-cash investing activity:
loans and leases held for investment transferred to loans held for sale																63,683,000
non-cash investing and financing activity:
transfer of whole loans to redeem certificates																			0	0	0	17,414,000
net issuances of stock related to acquisition																0
exchange of common stock for preferred stock																			0	0	0	207,244,000
depreciation, amortization, and accretion															-3,698,000	-3,871,000	1,694,000	11,450,000
net decrease in retail notes and certificates																-103,242,000	-120,542,000	-138,376,000
accruals for property, equipment and software																			-574,000	237,000	-1,416,000	2,439,000
principal payments on advances from ppplf																	-174,605,000	-50,876,000
non-cash investing activity :
net increase in loans and leases																		-502,387,000
change in fair value of loan servicing assets and liabilities																			10,690,000	13,376,000	25,061,000	9,603,000
goodwill impairment charge
purchase of loans held for sale																			-587,434,000	-276,921,000	-73,095,000	-1,842,043,000
principal payments received on loans held for sale																			28,749,000	51,750,000	78,336,000	74,475,000
proceeds from whole loan sales and structured program transactions, net of underwriting fees and costs																			618,148,000	635,726,000	151,482,000	1,576,072,000
accrued interest receivable																			230,000	2,619,000	-1,959,000	-5,938,000
accounts payable																			441,000	383,000	-2,306,000	-5,440,000
accrued interest payable																			-1,257,000	-1,951,000	-1,249,000	-231,000
accrued expenses and other liabilities																			1,023,000	14,348,000	-12,790,000	-44,405,000
payable to investors
purchase of loans
principal payments received on loans																			141,088,000	160,646,000	172,742,000	217,060,000
proceeds from recoveries and sales of charged-off loans																			8,383,000	10,692,000	9,304,000	13,799,000
proceeds from sales, maturities, redemptions and paydowns of securities available for sale																			19,644,000	17,693,000	31,793,000	30,500,000
proceeds from paydowns of asset-backed securities related to structured program transactions																			30,461,000	34,536,000	34,114,000	32,934,000
proceeds from issuance of notes and certificates																			77,712,000	77,389,000	55,274,000	104,620,000
repayments of secured borrowings																			-1,870,000	-3,266,000	-4,764,000	-6,967,000
principal payments on and retirements of notes and certificates																			-138,825,000	-156,811,000	-166,877,000	-208,846,000
payments on notes and certificates from recoveries/sales of related charged-off loans
principal payments on securitization notes																			-22,075,000	-23,237,000	-21,487,000	-6,911,000
proceeds from issuance of securitization notes and certificates
proceeds from credit facilities and securities sold under repurchase agreements																			90,210,000	54,500,000	71,012,000	979,539,000
principal payments on credit facilities and securities sold under repurchase agreements																			-104,049,000	-414,473,000	-212,058,000	-946,038,000
payment for debt issuance costs																			-1,588,000	0	-16,000	-248,000
net cash inflow (outflow) from consolidation (deconsolidation) of vie
dividends paid on preferred stock
securities retained from structured program transactions
change in payable to investors																				-14,337,000	-599,000	-50,853,000
purchases of loans																				-77,401,000	-55,348,000	-104,654,000
payments on notes, certificates, and secured borrowings from recoveries/sales of related charged-off loans																				-10,860,000	-9,261,000	-13,189,000
proceeds from sales of whole loans
proceeds from secured borrowings
repurchases of common stock
proceeds from issuances under equity incentive plans, net of tax
proceeds from issuance of common stock for espp
purchase of noncontrolling interests in consolidated vie
securities retained (sold) from structured program transactions
noncontrolling interests’ contribution of beneficial interests in consolidated vie
issuance of payable to securitization residual certificate holders

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