LendingClub Corporation: Impressive Growth and Risk Leverage

January 05, 2025 | In this edition of The Institutional Risk Analyst, we focus on a top performing US bank stock, LendingClub Corporation (LC). We added LC to our bank surveillance group in 2H 2025 and the progress of this bank has been remarkable. Below we drill down into why this relative upstart managed to outperform some of the largest US lenders in 2025 and raised the bar for other fintech lenders in terms of operational leverage.

In the past six months, LC has been the best performing bank in the US, exceeding even former market leader SoFi Technology (SOFI) in the stock performance rankings. The only reason that LC did not figure more prominently is the WGA Bank Top 100 in Q4 2025 was its small size, just $11 billion in bank assets and $2 billion in market cap. Size can be a major disincentive for institutional investors, yet tiny LC has hundreds of institutional shareholders.

Source: YahooFinance

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