LendingClub Corporation
(NYSE:LC)

LendingClub Corporation, operates as a bank holding company for LendingClub Bank, National Association that provides range of financial products and services through a technology-driven platform in the United States. The company provides commercial and industrial, commercial real estate, small busin...

Website: http://www.lendingclub.com

Founded: 2006

Full Time Employees: 1,073

Co-Founder: Renaud Laplanche

CEO: Scott Sanborn

Sector: Financial Services

Industry: Credit Services

Financial Services Mortgage

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Unit: USD	2026-03-31	2025-12-31	2025-09-30	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	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2010-12-31	2010-09-30	2010-06-30	2010-03-31	2009-12-31	2009-09-30	2009-06-30	2009-03-31	2008-12-31	2008-09-30

interest income:
interest on loans	199,897,000
interest on securities available for sale	54,411,000	55,948,000	56,253,000	55,339,000	56,280,000	57,259,000	52,476,000	42,879,000	35,347,000	20,920,000	9,467,000	5,948,000	3,900,000	3,359,000	3,820,000	4,426,000	4,511,000	3,071,000	3,180,000	2,539,000	2,235,000
other interest income	6,899,000	8,824,000	6,390,000	7,113,000	9,606,000	14,194,000	12,442,000	13,168,000	16,503,000	16,271,000	16,798,000	19,134,000	13,714,000	10,595,000	5,017,000	2,279,000	688,000	469,000	355,000	190,000	156,000
total interest income	261,207,000	250,586,000	241,801,000	237,097,000	232,059,000	240,596,000	240,377,000	219,634,000	207,351,000	208,319,000	207,412,000	214,486,000	202,413,000	173,999,000	143,220,000	128,468,000	111,653,000	97,655,000	82,860,000	67,727,000	44,590,000															160,996,000	167,230,000	171,868,000	179,685,000	177,879,000	163,141,000	145,833,000	130,526,000	113,472,000	102,155,000	94,038,000	85,212,000	73,048,000	62,736,000	51,386,000	41,021,000	32,364,000		18,489,839	13,554,198	3,537,696	12,115,172	9,377,784
interest expense:
interest on deposits	84,971,000	87,558,000	83,221,000	82,845,000	82,100,000	98,200,000	96,863,000	90,193,000	83,963,000	76,253,000	69,509,000	66,521,000	53,273,000	35,751,000	15,184,000	6,078,000	3,438,000	2,616,000	1,899,000	1,699,000	1,014,000
other interest expense	2,000	1,000	141,000	3,000	2,000	12,000	3,273,000	913,000	500,000	61,000	81,000	119,000	753,000
total interest expense	84,973,000	87,559,000	83,362,000	82,848,000	82,102,000	98,212,000	100,136,000	91,106,000	84,463,000	76,842,000	70,407,000	67,834,000	55,709,000	38,756,000	19,544,000	12,242,000	11,973,000	14,523,000	17,572,000	21,822,000	26,084,000															-158,607,000	-164,645,000	-169,444,000	-177,596,000	-176,683,000	-162,074,000	-144,659,000	-129,727,000	-113,280,000	-103,561,000	-94,460,000	-85,594,000	-73,000,000	-62,720,000	-51,370,000	-41,032,000	-32,325,000			-13,448,250	-13,300,119	-7,850,490	-6,011,752
net interest income	176,234,000	163,027,000	158,439,000	154,249,000	149,957,000	142,384,000	140,241,000	128,528,000	122,888,000	131,477,000	137,005,000	146,652,000	146,704,000	135,243,000	123,676,000	116,226,000	99,680,000	83,132,000	65,288,000	45,905,000	18,506,000													11,851,000	6,920,000	2,389,000	2,585,000	2,424,000	2,089,000	1,196,000	1,067,000	1,174,000	799,000	192,000	-1,406,000	-422,000	-382,000	48,000	16,000	16,000	-11,000	39,000		231,474	105,948	-9,762,423	4,264,682	3,366,032
non-interest income:
origination fees	130,088,000																																															35,412,000	30,625,000	25,245,000	16,397,000	13,587,000				2,280,612.25	3,738,312	2,940,193
servicing fees	13,113,000																																				22,951,000	16,513,000	11,603,000	16,942,000	11,941,000	8,999,000	6,479,000	5,392,000	5,233,000	3,053,000	1,468,000	1,780,000	1,052,000	942,000		710,000
gain on sales of loans	16,269,000																					5,931,000	7,739,000	1,724,000	14,261,000	20,373,000	18,305,000	13,886,000	15,152,000	10,509,000	10,919,000	11,880,000	12,671,000
net fair value adjustments	-88,925,000																					-27,203,000	-696,000	-6,378,000	-101,738,000	-42,659,000	-31,628,000	-35,974,000	-34,729,000	-25,865,000	-19,554,000	-26,556,000	-28,713,000
other non-interest income	5,472,000	4,942,000	5,637,000	4,542,000	2,111,000	2,654,000	3,256,000	2,360,000	1,909,000	1,948,000	2,958,000	3,035,000	3,356,000	4,026,000	7,400,000	7,448,000	9,891,000	8,549,000	6,322,000	6,741,000	5,607,000
total non-interest income	76,017,000	103,444,000	107,792,000	94,186,000	67,754,000	74,817,000	61,640,000	58,713,000	57,800,000	54,129,000	63,844,000	85,818,000	98,990,000	127,465,000	181,237,000	213,832,000	189,857,000	179,111,000	180,878,000	158,476,000	87,334,000
total net revenue	252,251,000	266,471,000	266,231,000	248,435,000	217,711,000	217,201,000	201,881,000	187,241,000	180,688,000	185,606,000	200,849,000	232,470,000	245,694,000	262,708,000	304,913,000	330,058,000	289,537,000	262,243,000	246,166,000	204,381,000	105,840,000	-238,473,298	74,713,000	43,869,000	120,206,000	188,486,000	204,896,000	190,807,000	174,418,000	181,521,000	184,645,000	176,979,000	151,667,000	154,030,000	139,573,000	124,482,000	130,522,000	114,556,000	103,440,000	152,294,000	135,518,000	116,276,000	96,917,000	81,232,000	68,121,000	56,064,000	48,225,000	38,718,000			20,839,000	16,251,000		9,897,756	6,662,778	5,214,036	4,393,867	3,403,963
yoy	15.87%	22.68%	31.88%	32.68%	20.49%	17.02%	0.51%	-19.46%	-26.46%	-29.35%	-34.13%	-29.57%	-15.14%	0.18%	23.86%	61.49%	173.56%	-209.97%	229.48%	365.89%	-11.95%	-226.52%	-63.54%	-77.01%	-31.08%	3.84%	10.97%	7.81%	15.00%	17.85%	32.29%	42.17%	16.20%	34.46%	34.93%	-18.26%	-3.69%	-1.48%	6.73%	87.48%	98.94%	107.40%	100.97%	109.80%			131.42%	138.25%			212.77%	211.68%		190.77%
qoq	-5.34%	0.09%	7.16%	14.11%	0.23%	7.59%	7.82%	3.63%	-2.65%	-7.59%	-13.60%	-5.38%	-6.48%	-13.84%	-7.62%	14.00%	10.41%	6.53%	20.44%	93.10%	-144.38%	-419.19%	70.31%	-63.51%	-36.23%	-8.01%	7.38%	9.40%	-3.91%	-1.69%	4.33%	16.69%	-1.53%	10.36%	12.12%	-4.63%	13.94%	10.75%	-32.08%	12.38%	16.55%	19.97%	19.31%	19.25%	21.51%	16.26%	24.55%				28.23%			48.55%	27.79%	18.67%	29.08%
provision for credit losses	390,000	47,158,000	46,280,000	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				21,493,000
non-interest expense:
compensation and benefits	65,514,000	60,638,000	60,830,000	61,989,000	58,389,000	58,656,000	57,408,000	56,540,000	59,554,000	58,591,000	58,497,000	71,553,000	73,307,000	87,768,000	84,916,000	85,103,000	81,610,000	78,741,000	73,304,000	71,925,000	64,420,000
marketing	55,415,000	45,680,000	40,712,000	33,580,000	29,239,000	23,415,000	26,186,000	26,665,000	24,136,000	23,465,000	19,555,000	23,940,000	26,880,000	35,139,000	46,031,000	61,497,000	55,080,000	50,708,000	50,782,000	35,107,000	19,545,000
equipment and software	15,293,000	14,410,000	13,465,000	14,495,000	14,644,000	13,361,000	12,789,000	12,360,000	12,684,000	13,190,000	12,631,000	13,968,000	13,696,000	13,200,000	12,491,000	12,461,000	11,046,000	12,019,000	10,297,000	9,281,000	7,893,000
depreciation and amortization	15,819,000	16,641,000	16,879,000	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	10,462,000	10,549,000	11,508,000	11,766,000
professional services	11,767,000	11,353,000	10,922,000	10,300,000	9,764,000	9,136,000	8,014,000	7,804,000	7,091,000	7,727,000	8,414,000	9,974,000	9,058,000	10,029,000	11,943,000	16,138,000	12,406,000	12,699,000	11,750,000	11,520,000	11,603,000
occupancy	6,391,000	5,457,000	5,245,000	4,787,000	4,345,000	3,991,000	4,005,000	3,941,000	3,861,000	3,926,000	4,612,000	4,684,000	4,310,000	4,698,000	5,051,000	6,209,000	6,019,000	4,706,000	6,486,000	6,157,000	6,900,000
other non-interest expense	14,334,000	15,105,000	14,660,000	14,107,000	13,577,000	14,548,000	14,589,000	11,876,000	12,234,000	11,163,000	13,076,000	15,322,000	17,703,000	17,656,000	15,106,000	17,421,000	14,004,000	18,885,000	15,607,000	14,641,000	12,125,000
total non-interest expense	184,533,000	169,284,000	162,713,000	154,718,000	143,867,000	142,855,000	136,332,000	132,258,000	132,233,000	130,015,000	128,035,000	151,079,000	157,308,000	180,044,000	186,219,000	209,386,000	191,204,000	188,220,000	178,775,000	160,139,000	134,252,000
income before income tax expense	67,328,000	50,029,000	57,238,000	53,984,000	15,695,000	13,489,500	18,008,000	19,422,000	16,528,000				17,802,000					-2,607,500	29,867,000	9,608,000															-25,496,000	-29,884,000	-29,426,000	-36,695,000		4,288,000	5,153,000	2,183,000
income tax expense	-15,725,000	-8,475,000	-12,964,000	-15,806,000	-4,024,000	-3,087,000	-3,551,000	-4,519,000	-4,278,000				-4,136,000					24,500	2,682,000	237,000	-2,821,000	-245,079	-74,000		319,000	140,000	97,000	-438,000		18,000	-38,000	24,000	39,000	13,000	-52,000	-40,000	-224,000	-209,000	-3,946,000	151,000	584,000	1,233,000	389,000	627,000	331,000	419,000
net income	51,603,000	41,554,000	44,274,000	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	23,591,000	43,198,000	182,060,000																				-29,844,000	-32,269,000	-36,486,000	-81,351,000	4,137,000	4,569,000	950,000	-4,140,000	-6,374,000	-9,037,000	-7,371,000	-9,187,000	-7,299,000	2,858,000	2,713,000	1,697,000	40,000		-881,587	-2,525,808	-2,623,914	-2,867,100	-3,346,357	-3,106,678	-2,887,349	-2,938,890	-2,525,235	-2,456,342	-2,124,712	-2,813,137	-2,860,947	-2,456,934	-2,552,565	-3,347,061
yoy	342.15%	327.51%	206.25%	156.18%	-4.73%	-4.28%	188.68%	47.41%	-10.36%	-56.95%	-88.41%	-94.45%																								-821.39%	-806.26%	-3940.63%	1865.00%	-164.90%	-150.56%	-112.89%	-54.94%	-12.67%	-416.20%	-371.69%	-641.37%	-18347.50%		-407.74%	-167.19%	-101.52%		-73.66%	-18.70%	-9.12%	-2.44%	32.52%	26.48%	35.89%	4.47%	-11.73%	-0.02%	-16.76%	-15.95%
qoq	24.18%	-6.14%	15.97%	227.12%	20.07%	-32.77%	-2.99%	21.66%	20.63%	102.78%	-50.46%	-26.02%	-42.07%	-45.39%	-76.27%																					-7.51%	-11.56%	-55.15%	-2066.42%	-9.46%	380.95%	-122.95%	-35.05%	-29.47%	22.60%	-19.77%	25.87%	-355.39%	5.34%	59.87%	4142.50%			-65.10%	-3.74%	-8.48%	-14.32%	7.71%	7.60%	-1.75%	16.38%	2.80%	15.61%	-24.47%	-1.67%	16.44%	-3.75%	-23.74%
net income margin %	20.46%	15.59%	16.63%	15.37%	5.36%	4.48%	7.16%	7.96%	6.78%	5.47%	2.49%	4.35%	5.56%	8.98%	14.17%	55.16%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	-23.97%	-24.72%	-31.85%	-78.65%	2.72%	3.37%	0.82%	-4.27%	-7.85%	-13.27%	-13.15%	-19.05%	-18.85%	Infinity%	Infinity%	8.14%	0.25%	NaN%	-8.91%	-37.91%	-50.32%	-65.25%	-98.31%	-Infinity%	-Infinity%	-Infinity%	-Infinity%	-Infinity%	-Infinity%	-Infinity%	-Infinity%	-Infinity%	-Infinity%	-Infinity%
earnings per share:
basic eps	0.45	0.36	0.39	0.33	0.1	0.093	0.13	0.13	0.11	0.068	0.05	0.09
diluted eps	0.44	0.35	0.37	0.33	0.1	0.093	0.13	0.13	0.11	0.068	0.05	0.09
weighted-average common shares – basic	115,400,564	114,605,220	114,961,676	114,409,231	113,693,399	111,731,523	112,042,202	111,395,025	110,685,796	108,466,179	109,071,180	107,892,590	106,912,139	103,547,305	104,215,594	102,776,867	101,493,561	97,486,754	99,073,507	97,785,089					86,505,560	87,278,596	87,588,495	86,719,049	430,544,355
weighted-average common shares – diluted	117,333,435	117,233,815	118,188,124	115,692,969	116,176,898	113,122,859	113,922,256	111,466,497	110,687,380	108,468,857	109,073,194	107,895,072	106,917,770	104,001,288	105,853,938	105,042,626	105,052,904	102,147,353	106,108,662	102,031,088					86,505,560	87,278,596	87,588,495	86,719,049	430,544,355
marketplace revenue		98,502,000	102,155,000	89,644,000	65,643,000	72,163,000	58,384,000	56,353,000	55,891,000	52,181,000	60,886,000	82,783,000	95,634,000	123,439,000	173,837,000	206,384,000	179,966,000	170,562,000	174,556,000	151,735,000	81,727,000
interest on loans held for sale		51,006,000	37,628,000	32,489,000	21,814,000	20,696,000	30,326,000	26,721,000	14,699,000	15,883,000	9,582,000	4,433,000	5,757,000	5,724,000	5,879,000	7,130,000	7,450,000	7,153,000	8,536,000	8,694,000	5,157,000
interest and fees on loans and leases held for investment		122,516,000	126,211,000	122,395,000	118,949,000	118,214,000	118,788,000	124,819,000	132,393,000	145,223,000	158,960,000	162,085,000	150,467,000	141,069,000	124,028,000	108,911,000	91,442,000	76,964,000	57,644,000	39,068,000	15,301,000
interest on loans held for investment at fair value		12,292,000	15,319,000	19,761,000	25,410,000	30,233,000	26,345,000	12,047,000	8,409,000	9,494,000	11,788,000	21,692,000	26,892,000
interest on retail and certificate loans held for investment at fair value										528,000	817,000	1,194,000	1,683,000	2,390,000	3,685,000	5,091,000	6,969,000	9,236,000	12,172,000	16,014,000	20,262,000
interest on retail notes, certificates and secured borrowings										923,500	817,000	1,194,000	1,683,000	2,390,000	3,685,000	5,091,000	6,969,000	9,236,000	12,172,000	16,014,000	20,262,000
income before income tax benefit										13,684,000	8,335,000	14,796,000		21,152,000	35,955,000	50,106,000	45,824,000
income tax benefit										-3,529,000	-3,327,000	-4,686,000		2,439,000	7,243,000	131,954,000	-4,988,000																																	85,000
basic eps – common stockholders													0.13	0.21	0.41	1.77	0.4
diluted eps – common stockholders													0.13	0.23	0.41	1.73	0.39
interest on other loans held for investment at fair value														503,750	791,000	631,000	593,000	762,000	973,000	1,222,000	1,479,000
interest on short-term borrowings														63,000	87,000	417,000	435,000	561,000	849,000	1,003,000	1,264,000
interest on structured program borrowings														159,000	225,000	360,000	764,000	1,642,000	2,120,000	2,668,000	3,208,000
interest on other long-term debt														393,000	363,000	296,000	367,000	468,000	532,000	438,000	336,000
net income per share																		-0.028	0.27	0.1	-0.49	-0.588	-0.38	-0.87
basic eps – preferred stockholders
diluted eps – preferred stockholders
weighted-average common shares, as converted – basic																		653,118							2,579,710
weighted-average common shares, as converted – diluted																									2,579,710
consolidated net income																	40,836,000	29,108,000	27,185,000	9,371,000
non-interest income :
interest income :
interest expense :
provision for (reversal of) credit losses																		23,412,750	37,524,000	34,634,000
non-interest expense :
loss before income tax expense																					-49,905,000	-40,159,500	-34,399,000	-78,471,000	-47,768,000	374,000	-295,000	-11,070,000	-19,900,000	-13,394,000	-22,787,000	-60,788,000	-31,141,000	-6,646,000					-85,297,000				-3,751,000	-5,747,000
consolidated net incomes																					-47,084,000	-40,220,750	-34,325,000	-78,471,000	-48,087,000	234,000	-392,000	-10,632,000	-19,900,000	-13,412,000	-22,749,000	-60,812,000	-31,180,000	-6,659,000	-25,444,000
weighted-average common shares – basic and diluted																					92,666,169		73,566,385	70,304,166
weighted-average common shares, as converted – basic and diluted																					2,648,758		17,335,485	19,562,714
net revenue:
transaction fees																						41,122,250	24,372,000	3,874,000	136,243,000	149,951,000	161,205,000	152,207,000	135,397,000	142,053,000	137,781,000	135,926,000	111,182,000	121,905,000	107,314,000	98,692,000	101,568,000	100,813,000	96,605,000	124,508,000	114,955,000	100,420,000	85,651,000	72,482,000	63,289,000	52,622,000	45,801,000
interest income																						44,186,000	46,773,000	60,560,000	69,411,000	74,791,000	77,820,000	92,562,000	100,172,000	106,170,000	115,514,000	127,760,000	138,018,000	151,532,000	157,260,000																								193,923	197,586	233,997	233,145	276,089	332,305	375,746	332,709	292,082	339,233	249,938
interest expense																						-28,611,750	-32,440,000	-37,766,000	-44,241,000	-49,251,000	-55,060,000	-66,916,000	-75,360,000	-83,222,000	-90,642,000	-100,898,000	-110,843,000	-139,681,000	-150,340,000																								-102,388	-234,858	-254,736	-295,516	-329,827	-369,158	-388,657	-336,786	-332,643	-289,410	-600,449
net interest income and fair value adjustments																						-11,628,750	13,637,000	16,416,000	-76,568,000	-17,119,000	-8,868,000	-10,328,000	-9,917,000	-2,917,000	5,318,000	306,000	-1,538,000				1,320,000	1,947,000	1,049,000	1,029,000
investor fees																						21,731,000	25,850,000	19,315,000	41,759,000	30,258,000	30,271,000	32,272,000	31,731,000	30,419,000	29,169,000	27,400,000	27,895,000	20,499,000	21,116,000	21,180,000
net investor revenue																						16,033,250	47,226,000	37,455,000	-20,548,000	33,512,000	39,708,000	35,830,000	36,966,000
other revenue																						2,541,500	3,115,000	2,540,000	4,511,000	5,023,000	3,983,000	2,770,000	2,055,000	1,457,000	1,458,000	1,467,000	1,457,000	-225,000	4,223,000	2,221,000	1,607,000	-6,681,000	-8,870,000	6,270,000	4,262,000	2,743,000	1,441,000	956,000	-765,000	-745,000		416,000	807,000	349,000	934,000	1,946,000		362,419	268,056	101,337	200,230	212,637	99,873	89,758	58,959	95,158	45,555	13,675	8,820	7,850	3,800	2,514
operating expenses:
sales and marketing																						16,427,000	7,201,000	8,723,000	49,784,000	67,222,000	76,255,000	69,323,000	66,623,000	68,353,000	73,601,000	69,046,000	57,517,000	59,570,000	55,582,000	54,583,000	55,457,000	44,901,000	49,737,000	66,575,000	51,364,000	44,961,000	40,317,000	34,884,000	26,470,000	21,001,000	19,225,000	20,582,000	65,614,000	-10,460,000
origination and servicing																						13,604,750	15,595,000	17,830,000	20,994,000	22,203,000	27,996,000	24,931,000	28,273,000	25,707,000	25,431,000	25,593,000	22,645,000	21,321,000	21,274,000	20,449,000	18,296,000	16,332,000	20,934,000	19,198,000	15,795,000	17,573,000	15,287,000	12,680,000	12,151,000	10,167,000	8,566,000	7,402,000	28,262,000	-4,996,000
engineering and product development																						-109,820,103	31,984,000	39,167,000	38,710,000	41,080,000	41,455,000	43,299,000	42,546,000	39,552,000	41,216,000	37,650,000	36,837,000	32,860,000	35,718,000	35,760,000	32,522,000	29,428,000	29,209,000	24,198,000
other general and administrative																						-169,432,153	54,332,000	56,620,000	58,486,000	57,607,000	59,485,000	64,324,000	56,876,000	61,303,000	57,446,000	57,583,000	52,309,000	46,925,000	52,495,000	43,574,000	56,740,000	58,940,000	53,457,000	38,035,000
total operating expenses																						99,856,500	109,112,000	122,340,000	167,974,000	188,112,000	205,191,000	201,877,000	194,318,000	194,915,000	207,432,000	237,767,000	182,808,000	160,676,000	165,069,000	154,366,000	163,015,000	151,251,000	188,737,000	148,006,000	130,365,000	114,093,000	100,668,000	86,979,000	76,827,000	63,016,000	56,772,000	46,017,000	150,749,000	-24,787,000	-19,057,000	-16,211,000		-10,779,343	-9,188,586	-7,837,950	-7,260,967	-6,750,320	5,892,204	4,475,336	4,523,020	3,630,463	3,193,725	2,675,471	2,658,795	2,564,095	2,177,253	2,425,379	2,877,247
less: income attributable to noncontrolling interests																											-9,000	29,000	35,000	50,000	55,000	49,000	1,000		10,000
lendingclub net loss																						160,695,462	-34,325,000	-78,471,000	-48,087,000	234,000	-383,000	-10,661,000	-19,935,000	-13,462,000	-22,804,000	-60,861,000	-31,181,000	-6,530,000	-25,454,000
net income per share																		-0.028	0.27	0.1	-0.49	-0.588	-0.38	-0.87
basic																									-1.1	0.01		-0.12	-0.05	-0.03	-0.05	-0.14	-0.07	-0.02	-0.06	-0.07	-0.08	-0.09	-0.21	0.01
diluted																									-1.1	0.01		-0.12	-0.05	-0.03	-0.05	-0.14	-0.07	-0.02	-0.06	-0.07	-0.08	-0.09	-0.21	0.01
goodwill impairment																																35,633,000						1,650,000	35,400,000
class action and regulatory litigation expense																															9,738,000
net interest income and fair value adjustments:
weighted-average common shares - basic																														422,917,308	424,359,142	421,194,489	418,299,301	412,778,995	406,676,996	400,308,521	387,762,072	391,453,316	382,893,402	380,266,636	374,872,118	375,982,120	372,841,945	371,959,312	75,573,742
weighted-average common shares - diluted																														422,917,308	424,359,142	421,194,489	418,299,301	412,778,995	406,676,996	400,308,521	387,762,072	391,453,316	382,893,402	392,397,825	374,872,118	401,934,880	372,841,945	371,959,312	75,573,742
class action settlement and regulatory litigation expense																																12,262,000
regulatory litigation expense																																	13,500,000
less: loss attributable to noncontrolling interests																																		-129,000
operating revenue:
management fees																																					3,076,000	1,964,000	3,053,000	3,545,000	3,313,000	2,900,000	2,548,000	2,215,000	1,794,000	1,608,000	1,461,000	1,094,000	1,001,000	869,000
total operating revenue																																					91,566,250	112,609,000	102,391,000	151,265,000	134,471,000	115,062,000	96,119,000	81,045,000	69,551,000	56,538,000	48,621,000
net interest income:
fair value adjustments - loans, loans held for sale, notes and certificates																																					-1,265,000	-477,000
fair value adjustments, loans, loans held for sale, notes and certificates																																							-1,040,000
fair value adjustments, loans, notes and certificates																																								-167,000
fair value adjustments, loans																																									-43,123,750	-72,474,000	-52,201,000	-47,820,000	-39,639,000	-33,809,000	-26,405,000	-24,749,000
fair value adjustments, notes and certificates																																									43,132,250	72,514,000	52,200,000	47,815,000	39,615,000	33,757,000	26,391,000	24,717,000
net interest income after fair value adjustments																																									549,750	1,214,000	798,000	187,000	-213,500	-474,000	-396,000	16,000
general and administrative																																									34,009,500	51,559,000	45,064,000	39,415,000	38,206,000	31,848,000	28,981,000	18,033,000	56,873,000	-9,331,000	-4,190,000	-3,622,000		-2,725,140	-2,511,703	-2,044,167	-2,007,711	-1,794,108	1,514,226	902,311	946,463	833,727	647,185	646,940	860,067	1,049,941	872,994	1,381,372	2,019,661
basic net income per share attributable to common stockholders																																									-0.008				-0.103	-0.12
diluted net income per share attributable to common stockholders																																									-0.008				-0.103	-0.12
basic net loss per share attributable to common stockholders																																											-0.01	-0.02			-0.32	-0.26
diluted net loss per share attributable to common stockholders																																											-0.01	-0.02			-0.32	-0.26
operating revenue
income before income taxes																																													-8,706,000	-6,952,000
weighted-average shares of common stock used in computing basic net income per share																																														59,844,394		27,890,322	12,889,284	13,328,103	12,558,812
weighted-average shares of common stock used in computing diluted net income per share																																														59,844,394		27,890,322	20,356,744	80,346,432	78,841,546
other (expense) revenue																																															-109,000
income before provision for income taxes																																															-8,547,000		1,112,500	2,628,000	1,782,000	40,000		-881,587	-2,525,808	-2,623,914	-2,867,100	-3,346,357	-3,106,678			-2,525,235	-2,456,342	-2,124,712	-2,813,137	-2,860,947	-2,455,884	-2,552,565	-3,347,061
provision for income taxes																																															640,000				-85,000
weighted-average shares of common stock used in computing basic net loss per share																																															28,985,590
weighted-average shares of common stock used in computing diluted net loss per share																																															28,985,590
non-interest revenue:
total non-interest revenue																																																38,702,000	33,485,000	27,405,000	20,842,000	16,243,000		9,814,928	6,557,179
benefit for loan losses on member loans at amortized cost																																																						-7,229	48,522
fair valuation adjustments, member loans																																																	-9,469,250	-15,613,000
fair valuation adjustments, notes and certificates																																																	19,748,000	15,607,000	13,055,000	9,186,000		7,106,698	3,460,555
net interest income after provision for loan losses and fair value adjustments																																																	12,000	10,000	-3,000	8,000		82,828
total revenue																																																	16,126,250	27,415,000										1,587,987
gain from sales of member loans																																																			2,702,000
note servicing fees																																																			809,000
member loans																																																			41,017,000	32,358,000
cash and cash equivalents																																																			4,000	6,000		13,060	8,799	9,011	4,537	4,271
notes and certificates at fair value																																																			-41,032,000	-32,325,000		-18,258,078	-13,437,136
loans payable																																																						-287	-11,114	-31,659	-49,958	-69,429
fair valuation adjustments, member loans at fair value																																																			-13,047,000	-9,217,000		-7,248,115	-3,509,426	-4,793,479	5,115,409	-4,230,842
sales, marketing and operations																																																			-11,824,000
technology																																																			-3,043,000	-2,248,000
net income attributable to common stockholders																																																			1,697,000	40,000
basic net income per share																																																			0.14
diluted net income per share																																																			0.02
provision for loan losses on member loans at amortized cost																																																								-7,904	-204,728	-80,240
sales, marketing and customer service																																																				-10,341,000		-6,672,230	-5,684,522	-4,932,457	-4,589,830	-4,289,476	3,857,839	3,058,648	3,076,359	2,298,366	2,108,074	1,586,098	1,356,546	1,088,083	848,890	600,953	382,412
basic and diluted net income per share
weighted-average shares of common stock used in computing basic and diluted net income per share																																																				11,909,129
origination fees on member loans at fair value																																																						8,973,158	5,866,294
servicing fees on notes at fair value																																																						479,351	422,829
member loans at fair value																																																						18,359,073	13,517,075
member loans at amortized cost																																																						117,706	28,324	199,408	181,291	155,376
engineering																																																						-1,381,973	-992,361	-861,326	-663,426	-666,736	520,139	514,377	500,198	498,370	438,466	442,433	442,182	426,071	455,369	443,054	475,174
net loss attributable to common stockholders																																																						-881,587	-2,525,808	-2,623,914	-2,867,100	-3,346,357	-3,106,678	-2,887,349	-2,938,890	-2,525,235	-2,456,342	-2,124,712	-2,813,137	-2,860,947	-2,456,934	-2,552,565	-3,212,995
basic and diluted net loss per share																																																						-0.09	-0.25	-0.29	-0.32	-0.38	-0.36	-0.34	-0.34	-0.3	-0.29	-0.25	-0.34	-0.35	-0.3	-0.31	-0.39
weighted-average shares of common stock used in computing basic and diluted net loss per share																																																					10,339,919	10,300,351	9,954,190	8,781,407	8,839,063	8,727,389	8,611,959	8,565,011	8,565,011	8,558,261	8,350,219	8,419,466	8,248,487	8,223,810	8,191,906	8,190,000	8,190,000
non-interest revenue
net interest income after provision for loan losses and fair valuation adjustments																																																							105,599	-9,809,813	4,193,637	3,191,326
operating expenses
member loans at fair value:
interest revenue																																																								4,865,091.75	8,191,032	6,277,944
notes interest expense																																																								-4,822,916.25	-8,076,114	-6,224,160
note interest expense reduction for servicing fee																																																								195,835.25	275,582	281,837
fair valuation adjustments, notes																																																								494,303.25	-4,981,726	4,136,376	2,822,563
revenues
net interest income, member loans																																																											91,535
provision for loan losses																																																											-74,904	-72,755	-91,706	-182,014	-252,195	-176,376	-530,828	-463,675	-416,064	-245,428	-129,730
net interest income, member loans after provision for loan losses																																																											16,631
cm loans and notes
interest income, cm loans																																																											7,435,335	2,398,446	1,990,212	1,365,237	783,427	469,532	53,590	160,988
interest expense, notes																																																											-4,765,469
interest income, cm loans and notes																																																											2,669,866
fair valuation adjustments, cm loans																																																											-2,822,820
fair valuation adjustments																																																											-257
net interest income after fair valuation adjustments																																																											2,686,240
servicing fee revenue/																																																											-587
total income from operations																																																											2,785,526
net interest loss, member loans																																																												-37,272
net interest loss after provision for loan losses																																																												-110,027	-112,445	-244,385	-305,933	-213,229	-543,739
cm loans and notes, fair value
interest income, notes																																																												-794,214	-357,902	-116,623	207,660	273,778	319,906	-5,826
net interest income, cm loans and notes, fair value																																																												1,604,232
amortization of loan servicing rights																																																												4,024	5,306	5,841	6,674	7,003	7,081	7,888	8,727	9,260	10,427
member loans held for investment
net interest loss, member loans held for investment																																																													-20,739	-62,371	-53,738	-36,853	-12,911
cm loans and notes held for investment at fair value
net interest income, cm loans and notes, held for investment at fair value																																																													1,632,310	1,248,614	991,087	743,310	373,496
total revenue/																																																													1,584,130
total income/																																																														1,105,228	24,891.25	550,759
amortization of beneficial conversion feature on convertible preferred stock																																																																					134,066
total losses																																																																	-154,342
net interest income, member loans held for investment																																																																		-4,077
net interest income after provision for loan losses																																																																		-467,752	-456,625	-195,605
net interest income, cm loans and notes held for investment at fair value																																																																		155,162
total (losses)/revenues																																																																		-296,852
loans held for investment
net interest income, loans held for investment																																																																			-91,128	49,823
borrower loans and lender notes held for investment at fair value
interest income, borrower loans																																																																			-14,369	-57,476
interest income, lender notes																																																																			28,530.25	114,121
net interest income, lender notes and borrower loans held for investment at fair value																																																																			14,161.25	56,645
total (losses) revenues																																																																			-199,131.25	-127,186	-469,814
net interest income before provision for loan losses																																																																					-350,511

Balance Sheets:

Quarterly

Annual

Unit: USD	2026-03-31	2025-12-31	2025-09-30	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	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31	2010-09-30	2010-06-30	2010-03-31	2009-12-31	2009-09-30	2009-06-30	2009-03-31	2008-12-31	2008-09-30

assets
cash and due from banks	19,528,000	11,749,000	10,629,000	18,426,000	20,191,000	15,524,000	25,558,000	19,099,000	15,930,000	14,993,000	19,220,000	20,950,000	22,732,000	23,125,000	23,211,000	26,415,000	30,986,000	35,670,000	22,604,000	55,773,000	34,261,000
interest-bearing deposits in banks	782,415,000	905,905,000	816,758,000	734,136,000	875,324,000	938,534,000	991,372,000	919,020,000	1,050,349,000	1,237,511,000	1,288,550,000	1,182,974,000	1,614,265,000	1,033,905,000	929,630,000	1,015,565,000	1,022,239,000	651,456,000	839,547,000	512,873,000	797,539,000
total cash and cash equivalents	801,943,000	917,654,000	827,387,000	752,562,000	895,515,000	954,058,000	1,016,930,000	938,119,000	1,066,279,000	1,252,504,000	1,307,770,000	1,203,924,000	1,636,997,000	1,057,030,000	952,841,000	1,041,980,000	1,053,225,000	687,126,000	862,151,000	568,646,000	831,800,000
restricted cash	19,919,000	12,783,000	18,283,000	21,759,000	24,732,000	23,338,000	33,347,000	31,332,000	36,081,000	41,644,000	42,487,000	34,792,000	47,342,000	67,454,000	66,285,000	60,252,000	60,507,000	76,460,000	77,577,000	123,896,000	139,080,000		98,787,000	134,345,000	139,247,000	243,343,000	275,136,000	166,034,000	167,954,000	271,084,000	203,258,000	221,688,000	226,818,000	182,844,000	161,672,000	148,890,000	177,810,000	139,455,000	127,607,000	104,485,000	80,733,000	159,216,000	56,738,000	39,247,000	46,763,000	25,221,000	20,448,000	15,967,000	12,208,000	8,747,000	8,410,000	11,747,000	7,484,000	5,726,453	4,862,000	4,862,000	4,022,000	1,022,000	1,022,000	862,000	862,000	852,000	852,000	1,352,000	1,252,000	1,252,000	1,252,000	452,000	452,000	452,000
securities available for sale at fair value	3,867,576,000	3,706,709,000	3,742,304,000	3,527,142,000	3,426,571,000	3,452,648,000	3,311,418,000	2,814,383,000	2,228,500,000	1,620,262,000	795,669,000	523,579,000	380,028,000	345,702,000	359,157,000	402,994,000	390,317,000	263,530,000	274,930,000	277,505,000	274,419,000													219,285,000	225,261,000	246,940,000
loans held for sale at fair value	1,836,121,000	1,762,396,000	1,213,140,000	1,008,168,000	703,378,000	636,352,000	849,967,000	791,059,000	550,415,000	407,773,000	362,789,000	250,361,000	44,647,000						152,160,000		166,623,000													265,925,000	36,331,000	9,409,000
loans held for investment at fair value	1,237,850,000	473,314,000	477,784,000	631,736,000	818,882,000	1,027,798,000	1,287,495,000	339,222,000	427,396,000	262,190,000	326,299,000	404,119,000	748,618,000	925,938,000								584,066	708,274,000	785,228,000	885,413,000	1,079,315,000	1,237,479,000	1,512,984,000	1,698,198,000	1,883,251,000	2,133,829,000	2,358,629,000	2,635,413,000
loans and leases held for investment at amortized cost	3,700,837,000
allowance for loan and lease losses	-237,697,000	-275,743,000	-267,774,000	-252,989,000	-244,193,000	-236,734,000	-220,564,000	-228,909,000	-259,150,000	-310,387,000	-350,495,000	-355,163,000	-348,857,000	-327,852,000	-303,201,000	-243,260,000	-187,985,000	-144,389,000	-104,736,000	-71,081,000	-36,132,000
property, equipment and software	273,472,000	254,088,000	250,330,000	246,284,000	168,899,000	167,532,000	167,809,000	166,150,000	163,632,000	161,517,000	159,768,000	151,608,000	144,041,000	136,473,000	129,957,000	119,976,000	111,503,000	97,996,000	96,073,000	94,676,000	95,313,000		101,045,000	106,697,000	116,043,000	114,370,000	117,242,000	119,553,000	118,157,000	113,875,000	110,510,000	110,895,000	107,177,000	100,682,000	97,943,000	92,290,000	89,263,000	82,556,000	75,102,000	64,194,000	55,930,000	47,096,000	39,087,000	31,295,000	27,051,000	23,686,000	19,420,000	14,989,000	12,595,000	8,407,000
goodwill	75,717,000	75,717,000	75,717,000	75,717,000	75,717,000	75,717,000	75,717,000	75,717,000	75,717,000	75,717,000	75,717,000	75,717,000	75,717,000	75,717,000	75,717,000	75,717,000	75,717,000	75,717,000	75,717,000	75,717,000	75,717,000												35,633,000	35,633,000	35,633,000	35,633,000	35,633,000	35,633,000	37,283,000	72,683,000	72,683,000	72,683,000	72,683,000	72,683,000	72,592,000	72,592,000	72,679,000
other assets	364,101,000	368,086,000	371,929,000	378,633,000	398,146,000	403,982,000	407,059,000	430,586,000	450,142,000	455,453,000	496,952,000	493,383,000	494,692,000	500,306,000	495,132,000	468,913,000	307,825,000	302,546,000	283,126,000	278,403,000	279,195,000		103,625,000	109,702,000	164,104,000	143,668,000	229,346,000	239,276,000	235,264,000	124,967,000	113,896,000	102,396,000	106,870,000	91,379,000	78,232,000	77,079,000	69,644,000	55,833,000	56,897,000	53,860,000	38,413,000	24,679,000	21,994,000	17,718,000	14,332,000	16,521,000	12,185,000	6,180,000	23,921,000
total assets	11,939,839,000	11,567,816,000	11,072,515,000	10,775,333,000	10,483,096,000	10,630,509,000	11,037,507,000	9,586,050,000	9,244,828,000	8,827,463,000	8,472,351,000	8,342,506,000	8,754,018,000	7,979,747,000	6,775,074,000	6,186,765,000	5,574,425,000	4,900,319,000	4,750,760,000	4,370,101,000	4,491,089,000	587,863	1,979,457,000	2,452,599,000	2,784,553,000	2,982,341,000	3,049,660,000	3,066,906,000	3,417,081,000	3,819,527,000	3,589,968,000	3,949,083,000	4,259,115,000	4,753,104,000	5,029,438,000	5,232,140,000	5,562,631,000	5,607,737,000	5,622,358,000	5,948,343,000	5,793,634,000	5,359,750,000	4,782,814,000	4,327,588,000	3,890,054,000	2,814,846,000	2,580,624,000	2,229,360,000	1,943,395,000	1,611,648,000	1,318,560,000	1,072,724,000	850,830,000	669,349,752	512,570,611	403,329,609	326,797,460	264,482,592	199,438,472	169,868,926	146,742,870	128,331,261	108,930,926	68,024,026	55,304,177	42,872,202	35,415,819	31,086,800	16,378,604	15,116,781
liabilities and equity
deposits:
interest-bearing	9,781,568,000	9,459,483,000	9,041,412,000	8,785,727,000	8,540,068,000	8,676,119,000	9,099,092,000	7,759,632,000	7,214,029,000	7,001,680,000	6,687,069,000	6,653,749,000	7,018,014,000	6,158,560,000	4,868,132,000	4,261,651,000	3,715,847,000	2,919,203,000	2,614,663,000	2,445,518,000	2,229,827,000
noninterest-bearing	407,943,000	374,387,000	346,821,000	350,397,000	365,834,000	392,118,000	360,516,000	335,696,000	307,626,000	331,806,000	313,194,000	189,786,000	200,840,000	233,993,000	255,374,000	266,021,000	261,630,000	216,585,000	224,056,000	94,186,000	143,610,000
total deposits	10,189,511,000	9,833,870,000	9,388,233,000	9,136,124,000	8,905,902,000	9,068,237,000	9,459,608,000	8,095,328,000	7,521,655,000	7,333,486,000	7,000,263,000	6,843,535,000	7,218,854,000	6,392,553,000	5,123,506,000	4,527,672,000	3,977,477,000	3,135,788,000	2,838,719,000	2,539,704,000	2,373,437,000
other liabilities	226,800,000	233,518,000	222,069,000	233,174,000	212,677,000	220,541,000	232,321,000	197,303,000	194,337,000	222,801,000	235,034,000	250,936,000	252,587,000	292,617,000	320,055,000	295,897,000	298,314,000	303,951,000	265,840,000	285,871,000	265,066,000
total liabilities	10,416,311,000	10,067,388,000	9,610,302,000	9,369,298,000	9,118,579,000	9,288,778,000	9,694,612,000	8,298,105,000	7,978,542,000	7,575,641,000	7,264,132,000	7,136,983,000	7,563,276,000	6,815,453,000	5,653,664,000	5,107,648,000	4,686,991,000	4,050,077,000	3,945,970,000	3,607,742,000	3,757,954,000	587,863	1,245,565,000	1,706,457,000	1,988,007,000	2,082,154,000	2,161,773,000	2,192,585,000	2,551,207,000	2,948,546,000	2,721,876,000	3,074,863,000	3,343,995,000	3,753,253,000	4,045,410,000	4,259,718,000	4,586,861,000	4,631,195,000	4,634,362,000	4,898,064,000	4,751,774,000	4,344,112,000	3,786,963,000	3,345,493,000	2,916,835,000	2,673,306,000	2,443,486,000	2,160,549,000	1,875,301,000	1,549,786,000	1,262,320,000	1,019,446,000	798,620,000	617,798,688	460,953,935	366,992,798	294,262,471	229,161,873	186,794,714	154,361,557	128,221,299	107,026,350	84,797,402	65,825,246	50,697,975	36,184,103	25,969,284	18,997,219	13,781,418	11,444,154
equity
common stock, 0.01 par value...	1,155,000	1,154,000	1,153,000	1,147,000	1,142,000	1,134,000	1,124,000	1,118,000	1,111,000	1,104,000	1,096,000	1,087,000	1,075,000	1,065,000	1,051,000	1,036,000	1,022,000	1,010,000	998,000	986,000	972,000		765,000	709,000	699,000	892,000	886,000	876,000	4,342,000	4,319,000	4,284,000	4,255,000	4,219,000	4,170,000	4,130,000	4,051,000	4,003,000	3,964,000	3,878,000	3,836,000	3,797,000	3,773,000	3,745,000	3,721,000	3,714,000	609,000	297,000	142,000	138,000	136,000	127,000	125,000	123,000	104,922	101,593	91,113				85,716				85,358				82,207
additional paid-in capital	1,701,280,000	1,719,233,000	1,722,113,000	1,718,520,000	1,711,429,000	1,702,316,000	1,692,538,000	1,685,865,000	1,678,928,000	1,669,828,000	1,660,236,000	1,647,593,000	1,637,283,000	1,628,590,000	1,611,627,000	1,594,458,000	1,576,147,000	1,609,820,000	1,594,646,000	1,580,518,000	1,563,865,000		1,493,839,000	1,478,247,000	1,463,535,000	1,467,882,000	1,454,586,000	1,439,244,000	1,417,364,000	1,401,937,000	1,384,933,000	1,368,100,000	1,346,770,000	1,306,604,000	1,283,129,000	1,253,910,000	1,226,206,000	1,194,637,000	1,169,756,000	1,150,877,000	1,127,952,000	1,105,824,000	1,086,674,000	1,067,971,000	1,052,728,000	37,817,000	29,982,000	23,053,000	15,041,000	11,694,000	8,827,000	7,718,000	6,713,000	5,738,300	5,292,377	4,838,236	4,457,646	4,376,135	4,267,575	4,025,914	4,091,512	3,987,503	3,877,227	3,805,485	3,756,880	3,716,440	3,662,088	3,444,301	3,378,865	3,276,315
accumulated deficit	-150,196,000	-201,799,000	-243,353,000	-287,627,000	-325,805,000	-337,476,000	-347,196,000	-361,653,000	-376,556,000	-388,806,000	-398,961,000	-403,969,000	-414,079,000	-427,745,000	-451,336,000	-494,534,000	-676,594,000	-767,634,000	-796,742,000	-823,927,000	-833,298,000		-759,559,000	-725,234,000	-646,763,000	-548,472,000	-548,706,000	-548,323,000	-537,662,000	-517,727,000	-504,265,000	-481,461,000	-420,600,000	-297,412,000	-290,882,000	-265,428,000	-234,187,000	-201,917,000	-165,431,000	-84,081,000	-88,218,000	-92,787,000	-93,737,000	-89,597,000	-83,223,000	-74,186,000	-66,815,000	-57,628,000	-50,329,000	-53,187,000	-55,900,000	-57,596,000	-57,637,000	-56,806,095	-55,924,509	-53,398,701	-50,774,786	-47,907,686	-44,561,329	-41,454,652	-38,505,982	-35,618,633	-32,679,744	-30,154,509	-27,698,167	-25,573,457	-22,760,320	-19,899,373	-17,442,440	-14,889,875
accumulated other comprehensive loss	-28,711,000	-18,160,000	-17,700,000	-26,005,000	-22,249,000	-24,243,000	-3,571,000	-37,385,000	-37,197,000	-30,304,000	-54,152,000	-39,188,000	-33,537,000										-1,154,000	-7,582,000								-393,000		-589,000	-596,000	-626,000	-767,000	-657,000	-722,000	-868,000	-1,671,000	-1,172,000	-831,000
total equity	1,523,528,000	1,500,428,000	1,462,213,000	1,406,035,000	1,364,517,000	1,341,731,000	1,342,895,000	1,287,945,000	1,266,286,000	1,251,822,000	1,208,219,000	1,205,523,000	1,190,742,000	1,164,294,000	1,121,410,000	1,079,117,000	887,434,000	850,242,000	804,790,000	762,359,000	733,135,000		733,892,000	746,142,000	796,546,000	900,187,000	887,887,000	874,321,000	865,874,000	870,981,000	868,092,000	874,220,000	915,120,000	999,851,000	984,028,000
total liabilities and equity	11,939,839,000	11,567,816,000	11,072,515,000	10,775,333,000	10,483,096,000	10,630,509,000	11,037,507,000	9,586,050,000	9,244,828,000	8,827,463,000	8,472,351,000	8,342,506,000	8,754,018,000	7,979,747,000	6,775,074,000	6,186,765,000	5,574,425,000	4,900,319,000	4,750,760,000	4,370,101,000	4,491,089,000	587,863	1,979,457,000	2,452,599,000	2,784,553,000	2,982,341,000	3,049,660,000	3,066,906,000	3,417,081,000	3,819,527,000	3,589,968,000	3,949,083,000	4,259,115,000	4,753,104,000	5,029,438,000
loans and leases held for investment		4,272,812,000	4,363,415,000	4,386,321,000	4,215,449,000	4,125,818,000	4,108,329,000	4,228,391,000	4,505,816,000	4,850,302,000	5,237,277,000	5,533,349,000	5,491,938,000	5,033,154,000	4,806,927,000	4,054,721,000	3,422,296,000	2,899,126,000	2,707,992,000	2,370,126,000	2,115,432,000
borrowings							2,683,000	5,474,000	262,550,000	8,866,000	10,717,000	15,675,000	52,980,000
retail and certificate loans held for investment at fair value										10,488,000	18,118,000	26,837,000	38,855,000	55,425,000	87,144,000	122,078,000	168,906,000	229,719,000	298,541,000	391,362,000	507,157,000
retail notes and certificates at fair value										10,488,000
retail notes, certificates and secured borrowings at fair value											18,118,000	26,837,000	38,855,000	55,425,000	87,144,000	122,078,000	168,906,000	229,719,000	298,541,000	391,384,000	507,203,000
loans held for sale														110,400,000	90,058,000	62,811,000	156,730,000	391,248,000		226,328,000																	9,048,000	14,744,000	16,410,000
short-term borrowings														2,619,000	4,803,000	7,983,000	13,188,000	27,780,000	46,110,000	68,781,000	90,091,000
advances from paycheck protection program liquidity facility														64,154,000	91,671,000	123,444,000	193,371,000	271,933,000	391,945,000	195,481,000	370,086,000
payable on structured program borrowings														8,085,000	11,185,000	15,274,000	20,347,000	65,451,000	89,252,000	110,871,000	133,499,000
other long-term debt															15,300,000	15,300,000	15,388,000	15,455,000	15,563,000	15,650,000	18,572,000
series a preferred stock, 0.01 par value...																							1,000	2,000	2,000
accumulated other comprehensive income														-37,616,000	-39,834,000	-21,843,000	-13,141,000	7,046,000	5,980,000	4,874,000	1,688,000				-20,927,000	-565,000	659,000	1,313,000	225,000	157,000	172,000		45,000
other loans held for investment at fair value															15,057,000	20,583,000	15,384,000	21,240,000	27,229,000	34,523,000	42,485,000
treasury stock															-98,000				-92,000	-92,000	-92,000					-19,550,000	-19,538,000	-19,485,000	-19,485,000	-19,485,000	-19,485,000	-19,485,000	-19,485,000	-19,485,000	-19,485,000	-19,485,000	-19,485,000	-19,485,000	-19,485,000	-19,485,000												-12,000	-12,000	-12,525	-12,525
cash and cash equivalents																							445,180,000	338,394,000	294,345,000	243,779,000	199,950,000	334,713,000	402,311,000	372,974,000	348,018,000	434,179,000	405,078,000	384,381,000	538,444,000	534,451,000	515,602,000	520,767,000	572,926,000	583,842,000	623,531,000	579,206,000	490,466,000	874,125,000	869,780,000	82,674,000	68,958,000	64,599,000	49,299,000	62,186,000	54,594,000	51,305,000	52,551,000	52,409,133	47,275,662	31,244,368	24,711,904	32,205,637	9,600,097	13,335,657	17,264,772	21,056,943	23,837,256	2,572,174	4,730,406	6,733,600	8,265,576	11,998,541	3,187,341	6,140,709
securities available for sale																							187,375,000	221,930,000	256,554,000	270,927,000	246,559,000	220,449,000	197,509,000	170,469,000	165,442,000	149,804,000	128,424,000				287,137,000	278,949,000	259,549,000	284,300,000	297,211,000	338,519,000	397,771,000
loans held for investment by the company at fair value																							59,099,000	65,557,000	71,003,000	43,693,000	4,211,000	5,027,000	8,757,000	2,583,000	12,198,000	9,621,000	317,458,000
loans held for sale by the company at fair value																							180,801,000	587,093,000	741,704,000	722,355,000	710,170,000	435,083,000	552,166,000	840,021,000	459,283,000	515,307,000	248,344,000
accrued interest receivable																						3,797	6,865,000	11,314,000	11,574,000	12,857,000	14,171,000	17,545,000	19,657,000	22,255,000	24,546,000	26,635,000	27,012,000	36,125,000	34,931,000	35,644,000	40,299,000	40,801,000	40,289,000	39,108,000	38,081,000	36,544,000	32,631,000	26,577,000	24,262,000	22,348,000	21,244,000	17,428,000	15,975,000	12,801,000	9,293,000	7,530,000	5,521,000
operating lease assets																							76,226,000	79,407,000	90,863,000	93,485,000
intangible assets																							12,180,000	12,932,000	13,703,000	14,549,000	15,396,000	16,242,000	17,108,000	18,048,000	18,988,000	19,929,000	20,888,000	22,957,000	23,992,000	25,049,000	26,211,000	27,373,000	28,534,000	29,715,000	30,971,000	32,227,000	33,483,000	34,758,000	36,302,000	37,690,000	39,077,000
accounts payable																							3,382,000	2,951,000	5,301,000	10,855,000	15,490,000	8,677,000	24,804,000	7,104,000	8,778,000	13,841,000	3,389,000	7,503,000	13,452,000	7,470,000	10,889,000	7,651,000	7,651,000	5,860,000	5,542,000	3,756,000	5,142,000	3,861,000	5,892,000	3,354,000	3,969,000	3,218,000	4,524,000	2,330,000	3,084,000	2,238,000	1,210,000	768,813	1,119,681	879,573	752,665	1,258,276	279,517	259,682	366,706	621,788	634,075	422,690	377,519	693,671	848,749	630,452	737,011	1,869,839
accrued interest payable																						3,797	5,829,000	7,780,000	9,029,000	9,260,000	10,449,000	14,561,000	14,929,000	19,241,000	22,050,000	23,609,000	25,510,000	37,978,000	38,413,000	38,422,000	43,574,000	44,080,000	43,902,000	41,637,000	40,244,000	39,858,000	35,398,000	29,683,000	26,964,000	25,723,000	23,232,000	19,408,000	17,741,000	14,549,000	11,582,000	8,781,000	6,678,000
operating lease liabilities																							98,204,000	100,911,000	109,481,000	112,344,000
accrued expenses and other liabilities																							100,916,000	86,369,000	100,241,000	142,636,000	268,071,000	262,844,000	238,941,000	152,118,000	136,629,000	200,098,000	196,517,000	98,301,000	90,745,000	83,338,000	85,619,000	78,177,000	79,104,000	50,088,000	61,243,000	54,137,000	37,824,000	31,786,000	31,620,000	26,004,000	17,515,000	10,106,000	9,128,000	9,475,000	4,438,000	4,483,000	3,366,000
payable to investors																							35,068,000	49,405,000	50,003,000	97,530,000	117,698,000	64,126,000	72,175,000	149,052,000	96,767,000	111,003,000	108,247,000	93,893,000	97,218,000	96,131,000	125,884,000	81,376,000	87,820,000	71,917,000	73,162,000		48,475,000	30,817,000	38,741,000	17,366,000	12,659,000	7,590,000	3,918,000
notes, certificates and secured borrowings at fair value																						584,066	708,597,000	785,928,000	886,840,000	1,081,466,000	1,240,958,000	1,517,951,000	1,703,226,000	1,905,875,000	2,152,316,000	2,377,080,000	2,655,417,000
payable to structured program note and certificate holders at fair value																							173,410,000	193,034,000	206,092,000
credit facilities and securities sold under repurchase agreements																							120,159,000	480,079,000	621,020,000	587,453,000	509,107,000	324,426,000	263,863,000	458,802,000	305,336,000
payable to securitization note and certificate holders																										40,610,000
total lendingclub stockholders’ equity																										900,187,000	887,887,000	873,625,000	864,784,000	869,201,000	865,639,000	871,016,000	910,949,000	993,288,000	976,296,000
noncontrolling interests																												696,000	1,090,000	1,780,000	2,453,000	3,204,000	4,171,000	6,563,000	7,732,000
payable to securitization note holders																													233,269,000
payable to securitization note and residual certificate holders																														256,354,000			280,915,000
payable to credit facilities																																349,232,000
payable to revolving credit facilities																																	74,000,000
loans at fair value																																		3,413,893,000	3,796,999,000	4,026,755,000	4,311,984,000	4,411,626,000	4,407,761,000	4,716,156,000	4,556,081,000	4,068,974,000	3,637,383,000	3,230,661,000	2,798,505,000	2,533,671,000	2,326,202,000	2,109,818,000	1,829,042,000
notes and certificates at fair value																																		3,515,578,000	3,805,582,000	4,034,357,000	4,320,895,000	4,419,911,000	4,415,885,000	4,713,449,000		4,095,481,000	3,660,124,000	3,249,346,000						1,522,975,000
liabilities and stockholders’ equity
stockholders’ equity
total stockholders’ equity																																				972,422,000	975,770,000	976,542,000	987,996,000	1,050,279,000	1,041,860,000	1,015,638,000	995,851,000	982,095,000	973,219,000	141,540,000	137,138,000	68,811,000	68,094,000
total liabilities and stockholders’ equity																																				5,232,140,000	5,562,631,000	5,607,737,000	5,622,358,000	5,948,343,000	5,793,634,000	5,359,750,000	4,782,814,000	4,327,588,000	3,890,054,000	2,814,846,000	2,580,624,000	2,229,360,000	1,943,395,000
secured borrowings																																								15,113,000
notes and certificates, at fair value																																									4,571,583,000				2,813,618,000	2,551,640,000	2,336,595,000	2,120,227,000	1,839,990,000		1,242,668,000	1,000,059,000	785,316,000	605,415,965	453,110,456	360,800,358
due from related parties																																										606,000	578,000	524,000	467,000	443,000	411,000	379,000	355,000
payables to investors																																										150,880,000
liabilities
commitments and contingencies
stockholders' equity
preferred stock																																														177,300,000	173,674,000	103,244,000	103,244,000	103,219,000	103,186,000	103,043,000	103,023,000	102,526,462			78,763,239	78,764,113	52,850,391		52,850,391	52,850,391	52,850,391		28,462,446	28,462,446	28,462,446		16,578,861	15,204,287
term loan																																														49,219,000	49,516,000
member loans at fair value																																																		1,516,676,000	1,237,468,000	995,983,000	781,215,000	603,168,907	454,263,408	360,292,534	293,555,498	227,422,668
prepaid expenses and other assets																																																		2,578,000	3,001,000	2,111,000	1,785,000	1,081,816	645,338	702,825	406,840	220,450	92,064	62,846	114,844	84,582	112,245	242,380	260,642	388,453	325,096	63,620	112,947	72,094
deposits																																																		253,000	755,000	1,077,000	696,000	1,150,777	1,203,692	955,631	638,004	107,706	100,256	57,756	58,380	61,117	42,792	50,134	53,350	53,350	53,350	146,548	213,450	53,450
payable to member investors																																																		457,000	548,000	3,885,000
stockholders’ deficit
total stockholders’ deficit																																																		-41,357,000	-46,946,000	-49,765,000	-50,813,000	-50,975,398	-50,543,064	-48,469,352	-46,228,250	-43,443,394	-40,206,633	-37,343,022	-34,328,820	-31,545,480	-28,716,867	-26,263,666	-23,856,244	-21,774,347	-19,015,911	-16,372,865	-13,981,675	-11,531,660
total liabilities, preferred stock and stockholders’ deficit																																																		1,611,648,000	1,318,560,000	1,072,724,000	850,830,000	669,349,752	512,570,611	403,329,609	326,797,460	264,482,592	199,438,472	169,868,926	146,742,870	128,331,261	108,930,926	68,024,026	55,304,177	42,872,202	35,415,819	31,086,800	16,378,604	15,116,781
property and equipment																																																			5,039,000	2,971,000	1,578,000	1,056,846	658,298	524,864	398,214	376,746	327,660	214,991	129,822	161,563	126,582	130,827	132,451	141,394	158,729	139,993	149,454	162,653
member loans at amortized cost, net of allowances for loan losses																																																						220,881
payable to member lenders																																																					2,050,000	2,858,881	1,202,534	533,321
loans payable, net of debt discount																																																							35,009	364,360	787,987	1,329,738	1,965,026	2,872,586	4,109,473	5,579,358	7,063,228	8,507,107	9,915,886	11,285,335	11,499,988	9,647,804	10,114,583	8,806,836
accrued interest and other receivables																																																						4,534,939	2,798,794	2,448,992
accrued interest payable and other accrued expenses																																																						8,755,029	5,486,255	4,415,186
member loans at amortized cost, net of allowance for loan losses																																																							863,419	2,298,395	2,545,186	2,766,573
preferred stock, 0.01 par value...																																																							102,159,740	84,806,163
other receivables																																																									519,814	360,812	354,083	97,768	69,443	59,865	591,326	52,956	49,138	41,604	45,009	71,594	19,270
accrued expenses																																																									1,953,487	1,568,874	1,600,414	1,450,936	1,210,274	878,423	692,121	831,244	657,092	613,367	378,125	424,249	258,267	685,647
notes, at fair value																																																									290,768,332	225,004,985	182,949,757	149,777,817	122,531,924	99,938,237	76,392,955	56,042,064	39,718,345	23,554,970	13,196,490	8,238,597
total preferred stock																																																									78,763,239	78,764,113	52,850,391		52,850,391	52,850,391	52,850,391		28,462,446	28,462,446	28,462,446	28,462,446	16,578,861	15,204,287
stockholders' deficit
common stock																																																									88,890	88,157	87,121		85,650	85,650	85,650		85,043	82,670	82,321		81,900	81,900
member loans held for investment, net of allowance for loan losses																																																											4,824,555			6,063,409	6,931,527	7,545,186	9,067,857	10,665,507	12,070,892	9,918,479
cm loans held for investment, at fair value																																																											183,117,757			99,983,238	76,422,175	56,056,228	39,729,200	23,559,534	13,199,235	8,239,909
member loans, net of allowance for loan losses																																																												5,253,814	5,620,003
cm loans, at fair value																																																												149,971,989	122,620,684
loan servicing rights, at fair value																																																												12,105	2,922	8,544	15,023	22,141	29,133	36,760	45,932	56,116	64,997	81,832
deferred revenue																																																												536	2,922	8,544	15,023	22,141	29,133	36,760	45,932	56,117	64,997	81,832
series a convertible preferred stock, 17,006,275 and 17,100,000 shares designated at march 31, 2011 and 2010; respectively; 15,740,285 shares issued and outstanding at march 31, 2011 and 2010; aggregate liquidation preference of 16,763,404 at march 31, 2011 and 2010, respectively.																																																												16,564,708
series b convertible preferred stock, 16,410,526 and 16,500,000 shares designated at march 31, 2011 and 2010, respectively; 16,036,346 shares issued and outstanding at march 31, 2011, and 2010; aggregate liquidation preference of 11,999,998 at march 31, 2011 and 2010, respectively.																																																												11,897,738
series c convertible preferred stock, 15,700,000 shares designated at march 31, 2011; 15,621,609 shares issued and outstanding at march 31, 2011; aggregate liquidation preference of 24,489,996 at march 31, 2011.																																																												24,387,945
preferred stock - sum																																																												52,850,391
series a convertible preferred stock, 17,100,000 shares designated at march 31, 2010 and 2009; 15,740,285 shares issued and outstanding at march 31, 2010 and 2009; aggregate liquidation preference of 16,763,404 at march 31, 2010 and 2009
series b convertible preferred stock,16,500,000 and 16,100,000 shares designated at march 31, 2010 and 2009, respectively; 16,036,346 shares issued and outstanding at march 31, 2010, and 2009; aggregate liquidation preference of 11,999,998 at march 31, 2010 and 2009																																																																28,462,446
convertible notes payable, net of debt discount
series a convertible preferred stock, 17,100,000 and 9,637,401 shares designated at march 31, 2009, and march 31, 2008, respectively; 15,740,285 and 9,637,401 shares issued and outstanding at march 31, 2009, and march 31, 2008, respectively; aggregate liquidation preference of 16,763,404 and 10,236,831 at march 31, 2009, and march 31, 2008, respectively.
series b convertible preferred stock, 16,100,000 and 0 shares designated at march 31, 2009, and march 31, 2008 respectively; 16,036,346 and 0 shares issued and outstanding at march 31, 2009, and march 31, 2008, respectively; aggregate liquidation preference of 11,999,998 and 0 at march 31, 2009 and march 31, 2008, respectively.																																																																				28,462,446
loans held for investment, net of allowance for loan loses of 903,983 and 373,624, respectively																																																																					9,572,537
borrower loans held for investment, at fair value																																																																					2,606,608
lender notes, at fair value																																																																					2,606,560
loans held for investment, net of allowance for loan loss reserve of 658,555 and 373,624, respectively																																																																						8,150,574
other receivable																																																																						3,469

Cashflow Statements:

Quarterly

Annual

Unit: USD	2026-03-31	2025-12-31	2025-09-30	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	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31	2010-09-30	2010-06-30	2010-03-31	2009-12-31	2009-09-30	2009-06-30	2009-03-31	2008-12-31

cash flows from operating activities:
net income	51,603,000	41,554,000	44,274,000	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																					-29,844,000				4,137,000					-9,037,000	-7,371,000	-9,187,000	-7,299,000	2,858,000	2,713,000	1,697,000	40,000
adjustments to reconcile net income to net cash from operating activities:
net fair value adjustments	88,925,000	39,451,000	38,375,000	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	42,659,000	31,628,000	35,974,000	34,729,000	25,865,000	19,554,000	26,556,000	28,713,000
change in fair value of loan servicing assets	15,574,000	16,822,000	11,912,000	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										9,194,000	7,453,000	5,606,000	6,961,000	5,075,000	4,047,000	-1,689,000	2,429,000	4,895,000	-232,000	1,336,000	1,436,000
gain on sales of loans	-16,269,000	-15,546,000	-17,799,000	-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	-20,373,000	-18,305,000									-5,043,000				-4,699,000
provision for credit losses	390,000	47,158,000	46,280,000	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 deferred origination fees and marketing costs	-13,516,000
stock-based compensation	7,574,000	8,203,000	8,499,000	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	16,741,000	18,095,000	20,551,000	18,252,000	17,718,000	19,771,000	19,797,000	17,801,000	16,106,000	19,088,000	19,498,000	22,810,000	17,966,000	13,447,000	15,021,000	13,664,000	13,479,000	12,486,000	11,593,000
depreciation and amortization	15,819,000	16,641,000	16,879,000	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	15,118,000	13,878,000	14,301,000	15,855,000	14,837,000	15,651,000	12,575,000	11,701,000	11,306,000	10,845,000	10,254,000	8,508,000	7,628,000	7,091,000	6,655,000	6,053,000	5,772,000	5,060,000	4,693,000	3,638,000	3,157,000	2,456,000	1,007,000					74,272	58,802
other	-55,000	2,353,000	1,749,000	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	-7,166,000	1,543,000	5,693,000	7,413,000	1,677,000	1,032,000	1,180,000	1,582,000	1,485,000	256,000	352,000	-3,081,000	2,145,000	1,443,000	30,000	-171,000	-43,000	67,000	18,000	-40,000	115,000	118,000	5,000			-61,000	-7,000
net change to loans held for sale	-767,998,000	-1,048,063,000	-902,132,000	-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	11,306,000	-2,983,000	12,499,000	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	-5,558,000	8,757,000	97,000	3,313,000	-10,031,000	-5,099,000	10,377,000	57,461,000	-9,838,000	2,430,000	-6,452,000	-8,570,000	1,620,000	-3,847,000	657,000	-9,516,000	-1,031,000	-3,236,000	-2,074,000	86,000	-873,000	-4,013,000	18,070,000
other liabilities	-12,343,000	5,473,000	-15,375,000	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	-618,990,000	-903,767,000	-770,823,000	-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	-145,913,000	-258,741,000	-109,980,000	243,990,000	-376,787,000	-49,673,000	-226,189,000	13,699,000	-130,176,000	-13,534,000	-17,118,000	8,291,000	-6,556,000	-11,131,000	9,941,000	21,391,000	31,577,000	15,278,000	6,495,000	14,525,000	13,258,000	2,043,000	20,094,000	-15,063,000	9,670,000	3,555,000	2,977,000	2,064,705	-888,783	-1,618,018	-3,759,062	-2,297,166	-2,876,546	-2,606,021	-2,524,953	-1,897,061	-2,476,212	-1,819,502	-1,976,541	-2,104,467	-2,225,148	-1,888,554	-4,012,868
capital expenditures	-25,784,000	-15,578,000	-21,003,000	-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	-11,691,000	-11,358,000	-11,681,000	-15,938,000	-15,095,000	-12,508,000	-11,766,000	-13,607,000	-12,032,000	-11,811,000	-7,908,000	-12,798,000	-12,139,000	-16,422,000	-10,483,000	-13,509,000	-9,918,000	0	-6,240,000	-5,583,000	-5,609,000	-4,375,000	-5,005,000	0	-3,781,000	-2,388,000	-1,567,000	-472,819	-192,236	-99,139	-62,033	-82,599	-139,730	-106,660	12,412	-54,015	-14,655	-17,786	-9,412	-29,638	-5,054	-6,235	-2,203
free cash flows	-644,774,000	-919,345,000	-791,826,000	-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	-157,604,000	-270,099,000	-121,661,000	228,052,000	-391,882,000	-62,181,000	-237,955,000	92,000	-142,208,000	-25,345,000	-25,026,000	-4,507,000	-18,695,000	-27,553,000	-542,000	7,882,000	21,659,000	15,278,000	255,000	8,942,000	7,649,000	-2,332,000	15,089,000	-15,063,000	5,889,000	1,167,000	1,410,000	1,591,886	-1,081,019	-1,717,157	-3,821,095	-2,379,765	-3,016,276	-2,712,681	-2,512,541	-1,951,076	-2,490,867	-1,837,288	-1,985,953	-2,134,105	-2,230,202	-1,894,789	-4,015,071
cash flows from investing activities:
net change in loans and leases	-252,617,000	71,191,000	164,201,000	-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	-44,416,000	-5,000,000	-19,250,000			-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	-27,728,000	-44,216,000	-32,898,000	-39,639,000	-32,382,000	-41,537,000	-30,180,000	-32,346,000	-33,964,000	-29,780,000	-26,430,000	-35,860,000	-36,580,000	118,000	-3,661,000	-16,341,000	-720,000
proceeds from maturities and paydowns of securities available for sale	505,504,000		472,737,000	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	-25,784,000	-15,578,000	-21,003,000	-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	-11,691,000	-11,358,000	-11,681,000	-15,938,000	-15,095,000	-12,508,000	-11,766,000	-13,607,000	-12,032,000	-11,811,000	-7,908,000	-12,798,000	-12,139,000	-16,422,000	-10,483,000	-13,509,000	-9,918,000
other investing activities	-144,000	-460,000	-800,000	-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	367,000	-49,000	247,000	-4,000		0
net cash from investing activities	182,543,000	548,791,000	595,885,000	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	164,082,000	143,205,000	185,383,000	161,098,000	218,403,000	204,308,000	226,347,000	229,678,000	195,327,000	174,086,000	190,000,000	-82,063,000	-73,966,000	89,069,000	-355,997,000	-485,782,000	-557,492,000	-884,726,000	-478,700,000	-331,597,000	-251,661,000	-359,528,000	-314,289,000	-338,277,000	-298,940,000	-254,744,000	-228,654,000	-156,824,063	-96,146,082	-72,300,718	-63,964,771	-46,627,042	-35,913,379	-30,050,372	-24,669,011	-25,021,396	-21,149,535	-16,697,051	-15,863,004	-10,292,828	-8,659,647	-6,650,269	-4,357,192
cash flows from financing activities:
net change in deposits	354,358,000	451,698,000	252,264,000	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
net issuances under equity incentive plans	-13,869,000
share repurchases	-12,617,000
net cash from financing activities	327,872,000	439,743,000	246,287,000	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	-6,133,000	89,875,000	-144,921,000	-478,881,000	251,166,000	-259,226,000	23,813,000	-255,770,000	-219,214,000	-156,559,000	-154,033,000	68,607,000	28,363,000	-88,854,000	306,367,000	508,716,000	614,655,000	485,789,000	476,550,000	1,104,178,000	252,119,000	361,844,000	309,495,000	340,453,000	296,862,000	254,478,000	224,431,000				60,230,100	71,529,748	35,054,365	28,727,278	23,401,793	24,138,144	44,890,829	16,358,321	15,836,351	10,865,319	7,151,830	17,350,023	5,416,692
net decrease in cash, cash equivalents and restricted cash	-108,575,000		71,349,000	-145,926,000	-57,149,000																			39,147,000	-53,530,000	12,036,000			-73,793,000	92,782,000			-12,393,000
cash, cash equivalents and restricted cash, beginning of period	930,437,000	0	0	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	628,485,000	0	0	0	487,122,000	0	0	0	644,058,000	0	0	0	644,289,000
cash, cash equivalents and restricted cash, end of period	821,862,000	84,767,000	71,349,000	-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	-278,338,000	970,880,000	84,518,000	71,228,000	39,147,000	433,592,000	12,036,000	-25,661,000	-69,518,000	570,265,000	92,782,000	-104,591,000	23,971,000	631,896,000
supplemental cash flow information:
cash paid for interest	86,637,000	82,555,000	93,396,000	81,091,000	84,348,000	100,117,000	99,898,000	87,579,000	90,682,000				51,608,000						17,295,000	22,986,000	22,645,000	28,201,000	76,848,000	-4,768,000	43,559,000	48,253,000	58,294,000	67,582,000	80,456,000	84,818,000	91,478,000	101,890,000	116,273,000	140,050,000	150,284,000	163,692,000	165,085,000	169,200,000	175,266,000	175,224,000	161,688,000	140,187,000	124,011,000	110,562,000	101,388,000	91,852,000	81,383,000	71,296,000	59,449,000	48,348,000	38,263,000	30,135,000	16,594,208	11,746,714	9,751,540	7,485,532	5,958,476	4,867,857	3,865,646	3,307,065	2,689,368	2,000,113	1,557,104	1,133,413	749,141	528,103	538,771
cash paid for income taxes	-6,479,000
cash paid for operating leases included in the measurement of lease liabilities	3,504,000	3,500,000	3,495,000	3,456,000	3,237,000	3,289,000	3,220,000	3,271,000	3,089,000				3,156,000						5,527,000	6,077,000	4,291,000	4,593,000	4,135,000	3,568,000	4,383,000	4,248,000	4,310,000	3,973,000	4,285,000
supplemental non-cash investing activity:
net securities retained from structured program transactions	635,132,000	456,939,000	656,136,000	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 sales, maturities and paydowns of securities available for sale						330,758,000
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		-11,955,000	-5,977,000	-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	-20,706,000												0
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																										0	-12,445,000			0	0
accretion of loan deferred fees and costs			-15,984,000	-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
cash paid for taxes			346,000			164,000	59,000						4,526,000
proceeds from short-term borrowings									250,000,000
income tax benefit from release of tax valuation allowance														-3,180,000	-5,015,000
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																				57,222,000	59,689,000
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
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	0
net issuances of stock related to acquisition																			0	0	41,462,000
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
consolidated net loss																			27,185,000	9,371,000	-47,084,000		-34,325,000	-78,471,000	-48,087,000	234,000	-392,000	-10,632,000	-19,900,000	-13,412,000	-22,749,000	-60,812,000	-31,180,000	-6,659,000
adjustments to reconcile consolidated net loss to net cash from operating activities:
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	-1,554,000	-2,031,000	1,467,000	3,863,000	599,000	-295,000	996,000	956,000	-710,000	1,165,000	905,000	-1,521,000	-525,000	-1,151,000	4,286,000	-491,000	1,366,000
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	18,213,000	16,838,000	12,043,000	11,001,000
goodwill impairment charge																														0	0						0	1,650,000
purchase of loans held for sale																						-587,434,000	-276,921,000	-73,095,000	-1,842,043,000	-2,469,087,000	-2,027,675,000	-1,740,650,000	-1,406,584,000	-1,696,105,000	-1,868,909,000	-1,964,286,000	-1,597,816,000	-1,678,303,000	-1,385,642,000	-1,176,154,000
principal payments received on loans held for sale																						28,749,000	51,750,000	78,336,000	74,475,000	71,970,000	64,719,000	63,006,000	66,125,000	50,208,000	44,097,000	57,583,000	58,943,000	16,569,000	7,399,000	892,000
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	-6,762,000	-2,490,000	-5,845,000	-1,201,000	-1,775,000	-2,705,000	-5,266,000	5,961,000	-1,194,000	713,000	4,655,000	502,000	-512,000	-1,181,000	-1,027,000	-1,537,000	-3,913,000	-6,054,000	-2,315,000	-1,914,000	-1,104,000	-3,816,000	-1,453,000	-3,174,000	-3,508,000	-1,763,000	-2,009,000
accounts payable																						441,000	383,000	-2,306,000	-5,440,000	-2,840,000	5,297,000	-15,109,000	16,810,000	-2,122,000	-5,064,000	10,239,000	-6,058,000	-5,424,000	5,447,000	-3,833,000	3,694,000	-150,000	2,161,000	-123,000	2,473,000	-2,402,000	1,143,000	-1,812,000	3,464,000	-1,175,000	199,000	-131,000	668,000	-754,000	846,000	1,028,000	-350,868	240,108	126,908	-505,611	1,031,873	-33,279	-107,024	-255,082	-12,287	211,385	45,172	-316,152	-155,079	218,297	-106,560	-1,132,827
accrued interest payable																						-1,257,000	-1,951,000	-1,249,000	-231,000	-1,189,000	-4,172,000	-170,000	-4,312,000	-2,809,000	-1,559,000	-1,522,000	-7,482,000	-435,000	-9,000	-5,152,000	-505,000	178,000	2,264,000	1,393,000	387,000	4,459,000	5,715,000	2,719,000	1,241,000	2,491,000	3,824,000	1,667,000	3,192,000	2,968,000	2,800,000	2,103,000
accrued expenses and other liabilities																						1,023,000	14,348,000	-12,790,000	-44,405,000	12,460,000	7,926,000	11,538,000	-31,598,000	10,137,000	-69,185,000	-1,122,000	-33,254,000	7,982,000	7,159,000	-3,178,000	8,779,000	13,708,000	14,478,000	-9,679,000	8,135,000	16,467,000	4,893,000	990,000	5,886,000	6,758,000	2,816,000	1,232,000	-1,455,000	4,391,000	18,000	1,123,000
payable to investors																																																3,672,000
purchase of loans																																												-852,827,000
principal payments received on loans																						141,088,000	160,646,000	172,742,000	217,060,000	240,821,000	288,042,000	319,893,000	342,672,000	383,636,000	422,558,000	452,536,000	504,618,000	597,446,000	625,886,000	640,006,000	609,591,000	603,667,000	593,937,000	586,159,000
proceeds from recoveries and sales of charged-off loans																						8,383,000	10,692,000	9,304,000	13,799,000	11,793,000	13,917,000	14,186,000	14,136,000	13,777,000	17,016,000	14,789,000	17,658,000	12,114,000	11,805,000	10,889,000	9,826,000	10,517,000	6,743,000	10,191,000	12,527,000	5,919,000	4,338,000	3,472,000
proceeds from sales, maturities, redemptions and paydowns of securities available for sale																						19,644,000	17,693,000	31,793,000	30,500,000	34,996,000	34,944,000	40,476,000	35,464,000	34,503,000	41,944,000	36,545,000	40,476,000
proceeds from paydowns of asset-backed securities related to structured program transactions																						30,461,000	34,536,000	34,114,000	32,934,000	26,592,000
proceeds from issuance of notes and certificates																						77,712,000	77,389,000	55,274,000	104,620,000	110,713,000	162,403,000	166,753,000	193,093,000	178,463,000	236,463,000	246,517,000	292,461,000												622,009,000	532,034,000	491,014,000	510,962,000	502,575,000
repayments of secured borrowings																						-1,870,000	-3,266,000	-4,764,000	-6,967,000	-8,954,000	-12,260,000	-15,357,000	-20,313,000	-23,141,000	-30,480,000	-38,040,000	-47,545,000				0	0
principal payments on and retirements of notes and certificates																						-138,825,000	-156,811,000	-166,877,000	-208,846,000	-230,314,000	-274,032,000	-302,791,000	-340,160,000	-353,882,000	-389,411,000	-416,350,000	-456,157,000
payments on notes and certificates from recoveries/sales of related charged-off loans																										-12,388,000	-15,087,000	-13,638,000	-13,909,000	-13,636,000	-16,778,000	-14,621,000	-17,459,000	-12,057,000	-11,703,000	-10,790,000	-9,914,000	-9,955,000	-6,739,000	-10,177,000	-12,489,000	-5,866,000	-4,327,000	-3,461,000
principal payments on securitization notes																						-22,075,000	-23,237,000	-21,487,000	-6,911,000	-1,318,000	-11,267,000	-21,846,000	-23,594,000	0	0	-13,980,000	-31,729,000
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	1,092,210,000	836,785,000	618,453,000	396,500,000	632,183,000
principal payments on credit facilities and securities sold under repurchase agreements																						-104,049,000	-414,473,000	-212,058,000	-946,038,000	-1,013,875,000	-652,147,000	-557,928,000	-591,525,000	-478,685,000
payment for debt issuance costs																						-1,588,000	0	-16,000	-248,000	-63,000	-22,000	-709,000	-625,000	-2,894,000	-132,000	-349,000	-1,119,000
net cash inflow (outflow) from consolidation (deconsolidation) of vie																										0
dividends paid on preferred stock
securities retained from structured program transactions
change in payable to investors																							-14,337,000	-599,000	-50,853,000	-24,400,000	51,852,000	-10,082,000	-77,727,000	52,168,000	-15,070,000	-2,667,000	-35,222,000	-3,325,000	1,087,000	-29,753,000	44,508,000	-6,444,000	15,903,000	-1,245,000	-77,718,000	102,405,000	17,658,000	-7,924,000
purchases of loans																							-77,401,000	-55,348,000	-104,654,000		-162,562,000	-166,927,000	-193,075,000		-237,625,000	-247,846,000	-293,460,000	-405,003,000	-478,249,000	-524,412,000		-644,512,000	-519,891,000	-921,825,000		-991,685,000
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																											773,195,000	754,861,000	771,723,000	781,318,000	1,255,367,000	1,145,039,000	1,348,092,000	1,434,117,000	1,349,600,000	1,172,161,000	1,096,501,000	1,095,716,000	1,231,151,000	1,308,463,000	1,020,265,000	955,216,000	760,985,000	622,145,000
proceeds from secured borrowings																																					0	0	7,161,000	15,113,000
repurchases of common stock																																					0	0	0	-19,485,000
proceeds from issuances under equity incentive plans, net of tax																										105,000	589,000	22,000	104,000	35,000
proceeds from issuance of common stock for espp																										0	0			2,460,000	0			0			2,728,000	0			2,397,000	0
purchase of noncontrolling interests in consolidated vie
securities retained (sold) from structured program transactions																										61,214,000
noncontrolling interests’ contribution of beneficial interests in consolidated vie																																		0
issuance of payable to securitization residual certificate holders
purchase of loans held for sale by consolidated vie																														0	0	0	-270,770,000	-228,256,000
proceeds from sale of securities by consolidated vie, net of underwriting fees and costs																											959,608,000	758,248,000	777,516,000	449,729,000	574,581,000	493,337,000	437,969,000	308,614,000
proceeds from paydowns of asset-backed securities related to securitization notes and club certificates																												22,087,000	17,482,000
net cash outflow from deconsolidation of vie																														0	0
return of capital to noncontrolling interests in consolidated vie																												-427,000	-688,000	-614,000	-801,000	-856,000	-1,055,000
dividends paid to noncontrolling interests in consolidated vie																												-13,000	-37,000	-58,000	-47,000	-183,000	-30,000
beneficial interests retained from securitization and club certificate transactions																												51,360,000	41,578,000	23,670,000	30,088,000	26,212,000	26,639,000
loss on sales of loans																													-15,152,000	-10,928,000	-13,519,000	-12,858,000	-13,116,000				-2,644,000	-16,279,000			-2,749,000	-1,690,000	-351,000	-95,000
proceeds from (investment in) equity investment
proceeds from issuance of securitization notes and residual certificates
change in fair value of loan servicing liabilities																															-120,000	-199,000	-358,000	-499,000	-639,000	-809,000	-1,470,000	-727,000	-223,000	-2,078,000	-1,275,000	-1,839,000
proceeds from paydowns of asset-backed securities related to company-sponsored securitizations and club certificate transactions
due from related parties																																107,000	-96,000	61,000	65,000	71,000	59,000	102,000	260,000	-242,000	-49,000	-29,000	-53,000	-57,000	-24,000	-32,000	-32,000	-24,000
proceeds from paydowns of asset-backed securities related to company- sponsored securitizations and club certificate transactions																																10,758,000	6,339,000
proceeds from credit facilities
principal payments on credit facilities
issuances under equity incentive plans, net of tax
proceeds from revolving credit facilities																																	274,900,000
principal payments on revolving credit facilities																																	-233,000,000
proceeds from stock option exercises and other																																	185,000	5,241,000	4,716,000	4,308,000	2,629,000	4,755,000	979,000	4,846,000
net fair value adjustments of loans, loans held for sale, notes and certificates																																		7,775,000	2,171,000	1,417,000
excess tax benefit from share-based awards																																					114,000	0	101,000	-39,000
proceeds from maturities of securities available for sale																																		55,670,000	69,017,000	66,817,000
proceeds from paydowns of asset-backed securities related to company- sponsored securitization transactions
investment in cirrix capital																																					0	0	0	-10,000,000
net change in restricted cash																																		-21,172,000	-12,782,000	28,920,000	-38,355,000	-11,848,000	-23,122,000	-23,752,000	78,483,000	-102,478,000	-17,491,000	7,516,000	-21,542,000	-4,773,000	-2,900,000	-3,759,000	-3,460,000	-338,000	3,337,000	-4,263,000			-840,000	-3,000,000	0	-160,000
proceeds from issuances of notes and certificates																																		394,013,000	472,681,000	523,305,000		641,241,000	499,247,000	901,258,000	1,125,328,000	991,926,000	892,026,000	852,715,000
principal payments and retirements of notes and certificates																																		-602,049,000	-619,889,000	-641,103,000
repurchase of common stock
net decrease in cash and cash equivalents																																																																		-3,732,965
cash and cash equivalents, beginning of period																																		0	0	515,602,000	0	0	0	623,531,000	0	0	0	869,780,000	0	0	0	49,299,000	0	0	0	52,551,000
cash and cash equivalents, end of period																																		-154,063,000	3,993,000	534,451,000	-5,165,000	-52,159,000	-10,916,000	583,842,000	44,325,000	88,740,000	-383,659,000	874,125,000	787,106,000	13,716,000	4,359,000	64,599,000	-12,887,000	7,592,000	3,289,000	51,305,000
beneficial interests retained by consolidated vie																																		18,529,000
purchase of noncontrolling interest in consolidated vie
net increase in cash and cash equivalents																																			3,993,000	18,849,000	-5,165,000	-52,159,000	-10,916,000	-39,689,000	44,325,000	88,740,000	-383,659,000	4,345,000	787,106,000	13,716,000	4,359,000	15,300,000	-12,887,000	7,592,000	3,289,000	-1,246,000	5,133,471	16,031,294	6,532,464	-7,493,733	22,605,540	-3,735,560	-3,929,115	-3,792,171	-2,780,313	21,265,082	-2,158,232	-2,003,194			8,811,200	-2,953,368
net loss																																					-32,269,000	-36,486,000				950,000	-4,140,000	-6,374,000									-881,587	-2,525,808	-2,623,914	-2,867,100	-3,346,357	-3,106,678	-2,948,670	-2,887,349	-2,938,889	-2,525,235	-2,456,342	-2,124,711	-2,813,136	-2,860,947	-2,456,934	-2,552,564
adjustments to reconcile net loss to net cash from operating activities:
loss on disposal of property, equipment and software																																													341,000
payments for business acquisition, net of cash acquired																																													0	0
proceeds from term loan, net of debt discount																																													0	0
principal payment on term loan																																														-312,000
proceeds from initial public offering, net of offering costs
proceeds from issuance of series f convertible preferred stock, net of issuance costs																																													0	0
proceeds from exercise of warrants to acquire series a and series b convertible preferred stock
proceeds from exercise of warrants to acquire common stock																																											0	3,000	411,000	11,000	1,000	89,000
issuance of series f convertible preferred stock
conversion of preferred stock to common stock
accrual of prepaid offering costs
net fair value adjustments of loans, notes and certificates																																						476,000	1,041,000	167,000	19,000	-39,000	1,000	5,000
purchase of whole loans to be sold																																						-1,096,020,000	-1,248,708,000	-1,308,463,000	-1,020,265,000	-955,216,000	-761,080,000	-622,050,000
proceeds from sale of loans repurchased																																						0
proceeds from maturities, redemptions and paydowns of securities available for sale																																						16,929,000	25,432,000	17,374,000
principal payments on notes and certificates																																						-601,234,000	-585,563,000	-583,982,000	-532,237,000	-478,190,000	-424,721,000	-365,711,000		-280,643,000
proceeds from stock options exercises and other
principal payments received from loans																																										481,701,000	428,925,000	369,379,000
proceeds from sale of property and equipment																																										0
payment for debt issuance cost
prepaid offering costs
change in equity offering costs																																										0	25,000	65,000
issuance of series f convertible preferred stock for business acquisition
proceeds from stock option exercises																																											2,434,000	863,000
change in loan servicing liabilities																																												424,000
change in loan servicing assets																																												-1,315,000
purchase of property, equipment and software																																												-6,240,000	-5,583,000	-5,609,000	-4,375,000	-5,005,000
supplemental disclosure of cash flow information:
non-cash investing activity - accruals for property, equipment and software																																												1,184,000
non-cash financing activity - accruals for prepaid offering costs																																												296,000
non-cash financing activity - reclassification of early-exercise liability relating to stock options																																												108,000
benefit for loan losses
fair value adjustments of loans, notes and certificates																																													23,000	53,000	14,000	32,000
change in loan servicing liability carried at fair value																																													261,000	976,000	1,515,000	285,000
change in loan servicing asset carried at fair value																																													-661,000	-486,000	-170,000	-330,000
stock-based compensation and warrant expense																																													11,261,000	10,537,000	8,319,000	7,033,000
loss on sales of loans at fair value																																													1,459,000	1,329,000	710,000	71,000
purchase of whole loans sold at fair value																																																-265,653,000
proceeds from sales of whole loans at fair value																																																265,582,000
net change in operating assets and liabilities excluding the effects of the acquisition:
purchase of loans at fair value																																													-622,106,000	-531,975,000	-491,082,000	-511,219,000
principal payments of loans at fair value																																													314,852,000	288,102,000	246,453,000	204,950,000
principal payments of loans at amortized cost
proceeds from recoveries and sales of charged-off loans at fair value																																													2,782,000	2,594,000	1,840,000	744,000
proceeds from recoveries and sales of charged-off loans at amortized cost
payments on notes and certificates																																																-205,274,000	-165,282,000
payments on charged-off notes and certificates from recoveries/sales of related charged-off loans at fair value
principal payments on term loan
payments on loans payable																																																					-35,009	-334,486	-439,032	-562,690	-658,422	-941,543		-1,537,697
proceeds from issuance of series e convertible preferred stock, net of issuance costs																																																					-9,852	17,353,576
proceeds from stock options exercised																																													567,000	799,000	1,418,000	780,000
non-cash investing activity - reclassification of loans at amortized cost to loans held at fair value
non-cash investing activity - accrual of property, equipment and software
non-cash investing and financing activity - issuance of series f convertible preferred stock for business acquisition																																													0	0
non-cash financing activity - conversion of preferred stock to common stock
non-cash financing activity - exercise of warrants to purchase common stock
non-cash financing activity - exercise of warrants to purchase series b convertible preferred stock
non-cash financing activity - accrual of prepaid offering costs
purchase of whole loans held for sale																																														-463,852,000
proceeds from sales of whole loans held for sale																																														462,523,000
net change in payable to investors																																														4,706,000
payments on notes and certificates from recoveries and sales of related charged off loans at fair value
non-cash financing activitiy - accruals for prepaid offering costs
non-cash financing activitiy - exercise of common stock warrants
payments on charged-off notes and certificates from recoveries and sales of related charged off loans at fair value																																															-1,830,000	-734,000
non-cash investing activity - accrual for property, equipment and software
net change in:
proceeds from exercise of warrants to acquire series a convertible preferred stock																																																				20,000			0
non-cash investing activity—accrual of property, equipment and software																																																385,000
non-cash financing activity—reclassification of early-exercise liability relating to stock options																																																174,000
provision for loan losses																																																					7,229	-48,522	7,904	204,728	80,240	74,904	84,177	72,755	91,706	182,014	252,195	176,376	530,829	463,675	416,064	245,428
gain on sales of loans at fair value
purchase of loans at amortized cost
payments on charged-off notes and certificates from recoveries/sales of related charged off loans at fair value
proceeds from exercise of warrants to acquire series b convertible preferred stock
proceeds from issuance of series d convertible preferred stock, net of issuance costs																																																							6,042,924	-10,874
non-cash exercise of common stock warrants																																																	0
non-cash exercise of preferred stock b warrants
reclassification of loans at amortized cost to loans held at fair value
(benefit) for loan losses
fair value adjustments																																																		6,000	-8,000	31,000
change in loan servicing rights carried at fair value
stock based compensation and warrant expense																																																		1,871,000
depreciation																																																		412,000	321,000	174,000				40,565	33,512	27,062		19,329	19,034	18,900		18,355	17,061	16,230	15,696	15,402
changes in operating assets and liabilities
purchase of member loans sold
proceeds from sale of member loans																																																		131,669,000	77,538,000	41,226,000
prepaid expenses and other assets																																																		424,000	-890,000	-326,000	-436,478	57,487	-295,985	-186,390	-128,391	-28,677	51,995	-30,262	27,663	130,135	18,262	127,811	-63,357	-261,476	49,326	-40,853
deposits																																																		501,000	322,000	-381,000	52,915	-248,061	-317,627	-530,298	-7,450	-42,500	624	2,737	-18,325	7,342	3,216	0	0	93,198	66,902	-160,000
purchase of member loans
repayment of member loans
proceeds from recoveries and sale of charged-off member loans
purchase of property and equipment																																																		-3,781,000	-2,388,000	-1,567,000	-472,819	-192,236	-99,139	-62,033	-82,599	-139,730	-106,660	12,412	-54,015	-14,655	-17,786	-9,412	-29,638	-5,054	-6,235	-2,203
payable to member investors																																																		-91,000
payments on charged-off notes and certificates from recoveries/sales of related charged off member loans
proceeds from exercise of warrants to acquire series a convertible preferred stock and common stock																																																		79,000
proceeds from issuance of series b convertible preferred stock, net of issuance costs
proceed from issuance of common stock																																																				482,000
amortization of net deferred loan fees and costs																																																					-31,514	-42,956	-6,181	-91,026	-13,646	-1,119
amortization of debt discounts																																																					0	5,135	15,405	20,938	23,135	33,982
originations of member loans at fair value																																																			-446,130,000	-352,896,000
repayment of member loans at fair value																																																			112,254,000	88,846,000	51,515,015	40,821,303	38,122,226	25,595,924
repayment of member loans at amortized cost																																																								322,562
proceeds from recoveries and sale of charged-off member loans at amortized cost
proceeds from recoveries and sale of charged-off member loans at fair value
proceeds from issuance of notes and certificates at fair value																																																			367,393,000	312,812,000		138,989,216
payments on notes and certificates at fair value																																																			-111,116,000	-88,883,000	-54,342,804	-42,999,178
payments on charged-off notes and certificates at fair value																																																					0	-219,385
proceeds from issuance of common stock																																																						276,416			82,844	1,405	1,510	0	0	7,898	8,445	4,391	9,433	3,071
stock based compensation expense																																																				526,000	300,344	175,680	302,440	70,201	26,752	241,661	-67,042	104,009	110,276	63,348	40,474	38,423	45,268	29,969	20,323
gain on sale of member loans																																																				-1,160,000
payable to member borrowers and investors																																																				1,835,000
supplemental disclosure of non-cash investing and financing activities:
reclassification of member loans at amortized cost to member loans held at fair value
provision/(credit) for loan losses
accrued interest payable and other liabilities
accrued expenses																																																								384,613	8,991	108,947	240,663	331,851	186,302	-139,123	174,152	43,725	235,242	-46,124	165,983	-427,381
payable to member lenders																																																					1,656,346	669,214
originations of member loans at amortized cost
proceeds from sale of charged-off member loans at fair value																																																						219,385
proceeds from sale of charged-off member loans at amortized cost																																																						49,890
noncash exercise of preferred stock b warrants
other non-cash expenses																																																							18,937	-6,997
accrued interest and other receivables																																																					-1,736,145	-349,802
accrued interest payable and other accrued expenses																																																					3,268,775	1,071,069
proceeds from sale of charge-off member loans at fair value
proceeds from sale of charge-off member loans at amortized cost
proceeds from issuance notes and certificates at fair value
fair valuation adjustments																																																						48,871	39,486	-133,683	94,466	257
origination of member loans at fair value																																																						-137,366,191	-109,655,882	-86,821,224
origination of member loans at amortized cost																																																							0	0
repayment of member loans held at amortized cost																																																						321,767
net cash from financing activities:																																																						113,066,159
cash and cash equivalents — beginning of period																																																						31,244,368	0	0	0	13,335,657	0	0	0	2,572,174	0	0	0	11,998,541	0	0
cash and cash equivalents – end of period																																																						47,275,662
proceeds from issuance of series c convertible preferred stock, net of issuance costs																																																											0	0
proceeds from issuance of common stock upon exercise of options
cash flows from operating activities
adjustments to reconcile net loss to net cash from operating activities
other receivables																																																								-159,002	-100,369	-151,106	-28,325	-9,578	531,461	-538,370	-3,818	-7,534	3,405	26,585
deferred revenue																																																											-2,386	-5,622	-6,479	-7,118	-6,993	-7,627	-9,171	-10,185	-8,880	-16,835
cash flows from investing activities
proceeds from issuance of notes at fair value																																																								86,277,194	68,516,394	55,693,775
payments on notes at fair value																																																								-25,495,573	-22,324,790	-19,699,272
proceeds from issuance of common stock and warrants
cash and cash equivalents — end of period																																																								-7,493,733	22,605,540	9,600,097	-3,929,115	-3,792,171	-2,780,313	23,837,256	-2,158,232	-2,003,194	-1,531,976	8,265,576	8,811,200	-2,953,368
reclassification of member loans held at amortized cost to member loans held at fair value
origination of member loans																																																										-1,063,821
origination of cm loans at fair value																																																										-54,265,647
repayment of member loans originated																																																										539,122	886,872	1,330,354	1,347,581	1,369,697	1,405,339	1,441,304	1,495,763	1,257,177
repayment of cm loans at fair value																																																										19,176,697
reclassification of member loans held for investment to cm loans held at fair value																																																										879,638					0	0
non-cash interest expense																																																											2,833,727	2,419,829	2,227,962	1,739,927	1,585,512	1,187,964	830,218	324,967	301,488	212,962
non-cash interest income																																																											-2,771,911	-2,345,803	-2,151,566	-1,662,808	-1,509,770	-1,112,868	-755,222	-255,191	-278,605
change in fair value of loan servicing rights																																																											-9,183	5,622	6,479	7,118	6,992	7,627	9,172	10,184	8,880	16,835
interest capitalized on loans																																																											95,843	52,611	29,602	36,273	12,036	-7,930	22,063	23,910	-29,914	-48,296
member loans originated																																																											-2,317,700	-2,525,675	-639,600	-974,325	-146,900	-12,100	-1,207,350	-3,897,175
origination of cm loans held at fair value																																																											-43,635,478	-35,144,975	-34,939,450	-28,619,475	-23,360,775	-20,252,700	-12,088,124	-6,119,201
repayment of cm loans held at fair value																																																											15,122,594	11,668,873	9,264,088	6,589,223	5,523,071	2,969,904	1,536,521	904,606
increase/decrease in restricted cash
proceeds from issuance of loan payable
proceeds from issuance of notes held at fair value																																																											47,569,900	39,426,750	35,003,325	28,619,475	23,360,775	20,252,700	12,652,205	6,119,200
payments on notes payable																																																														-1,518,713	-1,483,613	-1,444,283	-1,389,488	-1,132,653	-1,039,613
payments on notes held at fair value																																																											-17,552,095	-14,487,260	-9,306,477	-6,605,776	-5,527,286	-2,976,457	-1,538,503	-906,116
issuance of series b convertible preferred stock warrants in exchange for term loan agreement																																																															0	0
change in restricted cash																																																												-10,000	0	500,000
proceeds from issuance of loans payable
reclassification of member loans to cm loans held at fair value
amortization of debt issuance costs																																																																		1,760
proceeds from issuance of notes payable																																																															0	0	1,131,672	3,068,328	586,585
proceeds from issuance of series a convertible preferred stock, net of issuance costs																																																														24,387,945						1,374,574
increase in restricted cash																																																															-100,000	0	0	-800,000	0	0
proceeds from issuance of series a and b convertible preferred stock, net of issuance costs
convertible preferred debt converted to series a preferred stock																																																																			0
issuance of series a convertible preferred stock warrants in exchange for term loan agreement
cash flows from financing activities
proceeds from issuance of series a convertible stock warrants
issuance of series a convertible preferred stock warrants in connection with term loan agreement
issuance of series b convertible preferred stock warrants in connection with term loan agreement																																																																		184,860
expense for preferred stock issued in exchange for consulting services
expense for warrants issued to non-employee
expense for warrants issued in exchange for consulting services
proceeds from issuance of convertible promissory notes
repayments of note payable to shareholders
proceeds from issuance of series a and series b convertible preferred stock, net of issuance costs
issuance of series a convertible preferred stock in exchange for consulting services
issuance of series a convertible preferred stock warrants in connection with convertible loan agreement
beneficial conversion feature on issuance of series a convertible preferred stock warrants in connection with convertible loan agreement
other receivable																																																																				-15,802
loans originated																																																																				-2,570,650
origination of borrower loans held at fair value
repayment of loans originated																																																																				1,019,211
repayment of borrower loans held at fair value
proceeds from issuance of lender notes held at fair value
payments on lender notes held at fair value
proceeds of note payable to shareholders
stock-based compensation expense
proceeds (repayments) of note payable to shareholder

LendingClub Corporation(NYSE:LC)

LendingClub Corporation
(NYSE:LC)