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Asset Utilization RatioAssets AverageEBIT MarginEBITDA MarginEBT MarginEnterprise ValueEquity AverageEquity RatioFCF MarginGross MarginInterest Coverage RatioInvested CapitalNet MarginOperating MarginReturn on AssetsReturn on EquityReturn on Invested CapitalReturn on SalesTimes Interest Earned

LendingClub (LC) EBT Margin (2016 - 2025)

LendingClub (LC) has disclosed EBT Margin for 16 consecutive years, with 18.77% as the latest value for Q4 2025.

  • Quarterly EBT Margin rose 1366.0% to 18.77% in Q4 2025 from the year-ago period, while the trailing twelve-month figure was 17.72% through Dec 2025, up 945.0% year-over-year, with the annual reading at 17.72% for FY2025, 945.0% up from the prior year.
  • EBT Margin hit 18.77% in Q4 2025 for LendingClub, down from 21.5% in the prior quarter.
  • In the past five years, EBT Margin ranged from a high of 21.73% in Q2 2025 to a low of 150.89% in Q1 2021.
  • Historically, EBT Margin has averaged 1.83% across 5 years, with a median of 8.49% in 2022.
  • Biggest YoY gain for EBT Margin was 19914bps in 2021; the steepest drop was -11448bps in 2021.
  • Year by year, EBT Margin stood at 8.04% in 2021, then skyrocketed by 200bps to 8.05% in 2022, then dropped by -8bps to 7.37% in 2023, then crashed by -31bps to 5.11% in 2024, then surged by 267bps to 18.77% in 2025.
  • Business Quant data shows EBT Margin for LC at 18.77% in Q4 2025, 21.5% in Q3 2025, and 21.73% in Q2 2025.