LendingClub Corporation

LCNYSEFinancial Services● Active

$17.21

+$0.06(+0.32%)

Market Cap$2.0B

P/E Ratio—

52W High$21.67

52W Low$10.115

Avg Volume2.1M

Open$17.24

Beta1.97

Free Cash Flow Financials Revenue

LendingClub Corporation (LC) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

LC · free cash flow · updated Jun 8, 2026

Core FCF metrics

LC · FCF · TTM · margin & CAGR

Free cash flow was −$2.87B for FY2025 (fiscal year ending 2025-12-31), down 6.7% year-over-year The FCF margin was -214.8%.

FY2025 Free Cash Flow−$2.87B▼ -6.7% YoY

Trailing 12M (TTM)−$3.16Btrailing 4 quarters sum

FCF Margin-214.8%−$2.87B ÷ revenue

3-Year CAGRN/AN/A — contains negative FCF

5-Year CAGRN/AN/A — contains negative FCF

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 8, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

LC · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest−$2.73B(140M)−$2.87B▼ 6.7%-214.8%

FY2024−$2.63B(54M)−$2.69B▼ 124.8%-231.6%

FY2023−$1.14B(60M)−$1.20B▼ 490.8%-105.3%

FY2022$375.6M(69M)$306.1M▲ +49.0%24.1%

FY2021$239.9M(34M)$205.5M▼ 46.9%22.9%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

LC · P/FCF · FCF yield · FCF per share

LendingClub Corporation (LC) reported negative free cash flow of −$2.87B. FCF-based valuation ratios are not meaningful when FCF is negative.

FCF Yield (TTM)

N/A

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

N/A

TTM FCF ÷ Shares Outstanding

Price / FCF

N/A

Share Price ÷ FCF per Share

EV / FCF (TTM)

N/A

Enterprise Value basis

FCF-based valuation ratios are only meaningful when free cash flow is positive. Negative FCF indicates capital expenditures exceeded operating cash flow.

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

LC · cash flow statement · operating / investing / financing

For FY2025, LendingClub Corporation generated −$2.73B in operating cash flow and spent 140M in capital expenditures, yielding −$2.87B in free cash flow.

Operating Activities

−$2.73B

Cash from core business operations

2025-12-31

Investing Activities

+$1.93B

CapEx, acquisitions & investments

2025-12-31

Financing Activities

+$747.8M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF (−$2.73B) − |CapEx| (140M) = FCF (−$2.87B)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

LC vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

LendingClub CorporationYOU

−$2.87B-6.7%-214.8%

Loss

Berkshire Hathaway Inc.

BRK-A

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

LendingClub Corporation (LC) reported free cash flow of −$2.87B for FY2025 (fiscal year ending 2025-12-31), down 6.7% year-over-year. The FCF margin was -214.8%.

Based on available data, LendingClub Corporation has maintained positive free cash flow for at least 5 fiscal year(s). FCF peaked at $386.9M in FY2020.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

LC free cash flow · 8 questions

LendingClub Corporation free cash flow was −$2.87B for FY2025, down 6.7% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at −$3.16B.

LC free cash flowLC FCFLC FCF 2025LC free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · LendingClub Corporation · LendingClub Corporation SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 8, 2026