LendingClub: Lowering 2026 Estimates And Reiterating Buy
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LendingClub reported strong Q4 2024 earnings, but its guidance fell short of expectations, leading to a stock sell-off. The company received an investment grade rating on its senior note, allowing sales to insurance companies, which could improve loan sale pricing.
February 20, 2025 | 3:30 pm
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LendingClub's Q4 2024 earnings were strong, but guidance was below expectations, leading to a stock sell-off. The company received an investment grade rating on its senior note, which could improve loan sale pricing.
The stock sold off due to lower-than-expected guidance despite strong earnings. The investment grade rating on senior notes is positive for future loan sale pricing, but the immediate impact of the guidance miss is negative.
CONFIDENCE 90
IMPORTANCE 80
RELEVANCE 100