LendingClub Corporation (LC) quarterly cash flow statement — complete operating, investing & financing history
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 | Q1'21 |
|---|
| Cash from Operations | -903.77M | -770.82M | -713.09M | -339.26M | -185.37M | -669.83M | -932.46M | -846.52M | -814.8M | -344.93M | -91.36M | 114.49M | 33.35M | 110.26M | 191.28M | 40.67M | 121.58M | 85.67M | 83.99M | -51.37M |
| Operating CF Margin % | -255.28% | -220.49% | -215.25% | -113.16% | -58.77% | -221.78% | -335% | -319.26% | -298.65% | -127.16% | -30.42% | 37.99% | 11.24% | 34.47% | 56.82% | 13.74% | 44.64% | 33.02% | 37.84% | -39.93% |
| Operating CF Growth % | -387.54% | -15.08% | 23.53% | 59.92% | 77.25% | -94.19% | -920.67% | -839.37% | -2543.19% | -412.82% | -147.76% | 181.49% | -72.57% | 28.71% | 127.75% | 179.18% | 129.08% | -79.57% | -48.18% | 76.27% |
| Net Income | 41.55M | 44.27M | 38.18M | 11.67M | 9.72M | 14.46M | 14.9M | 12.25M | 10.15M | 5.01M | 10.11M | 13.67M | 23.59M | 43.2M | 182.06M | 40.84M | 29.11M | 27.18M | 9.37M | -47.08M |
| Depreciation & Amortization | 16.64M | 16.88M | 15.47M | 13.9M | 14.21M | 13.34M | 13.07M | 12.67M | 11.95M | 11.25M | 11.64M | 12.35M | 11.55M | 10.68M | 10.56M | 11.04M | -3.7M | 10.55M | 11.51M | 11.77M |
| Stock-Based Compensation | 8.2M | 8.5M | 9.06M | 8.52M | 9.54M | 9.53M | 9.45M | 11.54M | 10.27M | 14.41M | 15.83M | 11.89M | 16.15M | 16.74M | 17.77M | 15.69M | 17.44M | 16.81M | 17.71M | 14.8M |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -34.17M | 2.06M | 44.27M | 44.92M | -3.18M | -5.01M | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | -972.65M | -806.8M | -814.05M | -368.78M | -212.3M | -743.46M | -976.2M | -862.88M | -822.45M | -371.05M | -168.34M | 62.48M | 18.28M | 27.82M | -7.46M | -17.16M | 48.48M | 53.08M | 16.42M | -10.23M |
| Working Capital Changes | 2.49M | -33.67M | 38.24M | -4.57M | -6.55M | 36.3M | 6.32M | -20.11M | 9.44M | -6.61M | -4.86M | -30.82M | -33.05M | 16.83M | -11.65M | -9.73M | 30.25M | -21.96M | 28.97M | -20.62M |
| Change in Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Change in Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Change in Payables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash from Investing | 548.79M | 595.88M | 337.02M | 450.46M | 498.09M | -594.13M | 486.97M | 216.88M | 448.8M | 325.79M | 78.52M | -336.41M | -1.11B | -712.89M | -621.9M | -360.22M | -379M | -180.51M | -182.81M | 287.91M |
| Capital Expenditures | -15.58M | -21M | -90.69M | -13.07M | -17.22M | -12.44M | -12.87M | -11.78M | -11.27M | -15.98M | -15.86M | -16.4M | -14.82M | -17.3M | -15.78M | -21.57M | -9.98M | -9.45M | -8.62M | -6.37M |
| CapEx % of Revenue | 4.4% | 6.01% | 27.38% | 4.36% | 5.46% | 4.12% | 4.62% | 4.44% | 4.13% | 5.89% | 5.28% | 5.44% | 5% | 5.41% | 4.69% | 7.29% | 3.66% | 3.64% | 3.88% | 4.95% |
| Acquisitions | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Investments | 9.95B | 9.53B | 3.2B | 8.91B | 8.99B | 3.36B | 7.9B | 7.41B | 6.77B | 6.31B | 6.29B | 6.25B | 6.02B | 4.93B | 4.29B | 3.86B | 3.54B | 568.36M | 572.52M | 3.08B |
| Other Investing | 70.73M | 169.6M | -7.31M | 83.16M | 202.59M | -862.98M | 324.77M | 109.11M | 3.93M | -1.01M | -929K | -6.67M | -1.12B | -715.72M | -574.36M | -197.52M | -382.22M | -177.81M | -172.84M | -359.14M |
| Cash from Financing | 439.74M | 246.29M | 230.14M | -168.35M | -385.6M | 1.34B | 312.58M | 437.85M | 309.89M | 130.68M | -432.78M | 781.78M | 1.19B | 519.52M | 419.12M | 669.7M | 81.27M | 342.03M | -179.51M | 105.85M |
| Debt Issued (Net) | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Equity Issued (Net) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Financing | -11.96M | -5.98M | -3.41M | -750K | -855K | -4.28M | -4.11M | 194.83M | -2.64M | -4.13M | -383.26M | 820.75M | -1.03M | 1.99B | -1.34M | -4.98M | -1.85M | -3.83M | -2.23M | -1.38M |
| Net Change in Cash | 84.77M | 71.35M | -145.93M | -57.15M | -72.88M | 80.83M | -132.91M | -191.79M | -56.11M | 111.54M | -445.62M | 559.86M | 105.36M | -83.11M | -11.5M | 350.15M | -176.14M | 247.19M | -278.34M | 342.39M |
| Free Cash Flow | -919.35M | -791.83M | -803.79M | -352.32M | -202.59M | -682.26M | -945.32M | -858.3M | -826.08M | -360.91M | -107.21M | 98.09M | 18.53M | 92.96M | 175.5M | 19.1M | 111.6M | 76.22M | 75.37M | -57.73M |
| FCF Margin % | -259.68% | -226.5% | -242.63% | -117.51% | -64.23% | -225.9% | -339.62% | -323.7% | -302.79% | -133.05% | -35.7% | 32.55% | 6.25% | 29.06% | 52.13% | 6.45% | 40.98% | 29.37% | 33.95% | -44.88% |
| FCF Growth % | -353.79% | -16.06% | 14.97% | 58.95% | 75.48% | -89.04% | -781.72% | -974.97% | -4558.52% | -488.24% | -161.09% | 413.63% | -83.4% | 21.97% | 132.86% | 133.08% | 139.96% | -81.6% | -51.04% | 74.67% |
| FCF per Share | -7.73 | -6.70 | -6.95 | -3.03 | -1.74 | -5.99 | -8.48 | -7.75 | -7.51 | -3.31 | -0.99 | 0.92 | 0.17 | 0.88 | 1.67 | 0.18 | 1.03 | 0.72 | 0.74 | -0.62 |
| FCF Conversion (FCF/Net Income) | -21.75x | -17.41x | -18.68x | -29.07x | -19.07x | -46.33x | -62.57x | -69.10x | -80.24x | -68.88x | -9.04x | 8.38x | 1.41x | 2.55x | 1.05x | 1.00x | 4.18x | 3.15x | 8.96x | 1.09x |
| Interest Paid | 82.56M | 93.4M | 81.09M | 0 | 100.12M | 99.9M | 87.58M | 0 | 78.46M | 65.06M | 63.5M | 51.61M | 36.11M | 24.16M | 9.24M | 10.22M | 14.41M | 17.3M | 22.99M | 22.64M |
| Taxes Paid | 572K | 346K | 0 | 0 | 164K | 59K | 52K | 0 | -1.13M | 512K | 2.72M | 4.53M | 459K | 3.16M | 10.17M | 670K | 0 | 2.64M | 0 | 0 |