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Side-by-side financial comparison of Citi Trends Inc (CTRN) and LendingClub Corp (LC). Click either name above to swap in a different company.
LendingClub Corp is the larger business by last-quarter revenue ($252.3M vs $197.1M, roughly 1.3× Citi Trends Inc). LendingClub Corp runs the higher net margin — 20.5% vs -3.5%, a 23.9% gap on every dollar of revenue. On growth, LendingClub Corp posted the faster year-over-year revenue change (15.9% vs 10.1%). Over the past eight quarters, LendingClub Corp's revenue compounded faster (16.1% CAGR vs -4.3%).
Citi Trends, Inc. is an American retail clothing chain selling discounted products targeted primarily at African-American customers.
LendingClub Corporation is an American financial services company headquartered in San Francisco, California. It was the first peer-to-peer lender to register its offerings as securities with the Securities and Exchange Commission (SEC), and to offer loan trading on a secondary market. At its height, LendingClub was the world's largest peer-to-peer lending platform. The company reported that $15.98 billion in loans had been originated through its platform up to December 31, 2015.
CTRN vs LC — Head-to-Head
Income Statement — Q3 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $197.1M | $252.3M |
| Net Profit | $-6.9M | $51.6M |
| Gross Margin | — | — |
| Operating Margin | -3.7% | — |
| Net Margin | -3.5% | 20.5% |
| Revenue YoY | 10.1% | 15.9% |
| Net Profit YoY | 3.6% | 341.0% |
| EPS (diluted) | $-0.86 | $0.44 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | — | $252.3M | ||
| Q4 25 | $197.1M | $266.5M | ||
| Q3 25 | $190.8M | $266.2M | ||
| Q2 25 | $201.7M | $248.4M | ||
| Q1 25 | $211.2M | $217.7M | ||
| Q4 24 | $179.1M | $217.2M | ||
| Q3 24 | $176.6M | $201.9M | ||
| Q2 24 | $186.3M | $187.2M |
| Q1 26 | — | $51.6M | ||
| Q4 25 | $-6.9M | — | ||
| Q3 25 | $3.8M | $44.3M | ||
| Q2 25 | $871.0K | $38.2M | ||
| Q1 25 | $-14.2M | $11.7M | ||
| Q4 24 | $-7.2M | — | ||
| Q3 24 | $-18.4M | $14.5M | ||
| Q2 24 | $-3.4M | $14.9M |
| Q1 26 | — | — | ||
| Q4 25 | -3.7% | 18.8% | ||
| Q3 25 | 1.8% | 21.5% | ||
| Q2 25 | 0.2% | 21.7% | ||
| Q1 25 | 0.6% | 7.2% | ||
| Q4 24 | -4.9% | 5.1% | ||
| Q3 24 | -14.1% | 8.9% | ||
| Q2 24 | -3.7% | 10.4% |
| Q1 26 | — | 20.5% | ||
| Q4 25 | -3.5% | — | ||
| Q3 25 | 2.0% | 16.6% | ||
| Q2 25 | 0.4% | 15.4% | ||
| Q1 25 | -6.7% | 5.4% | ||
| Q4 24 | -4.0% | — | ||
| Q3 24 | -10.4% | 7.2% | ||
| Q2 24 | -1.8% | 8.0% |
| Q1 26 | — | $0.44 | ||
| Q4 25 | $-0.86 | $0.36 | ||
| Q3 25 | $0.46 | $0.37 | ||
| Q2 25 | $0.11 | $0.33 | ||
| Q1 25 | $-1.70 | $0.10 | ||
| Q4 24 | $-0.86 | $0.08 | ||
| Q3 24 | $-2.21 | $0.13 | ||
| Q2 24 | $-0.42 | $0.13 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $107.8M | $1.5B |
| Total Assets | $464.3M | $11.9B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $0 | ||
| Q3 25 | — | $0 | ||
| Q2 25 | — | $0 | ||
| Q1 25 | — | $0 | ||
| Q4 24 | — | $0 | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | $1.5B | ||
| Q4 25 | $107.8M | $1.5B | ||
| Q3 25 | $113.2M | $1.5B | ||
| Q2 25 | $108.6M | $1.4B | ||
| Q1 25 | $113.2M | $1.4B | ||
| Q4 24 | $130.3M | $1.3B | ||
| Q3 24 | $136.6M | $1.3B | ||
| Q2 24 | $154.8M | $1.3B |
| Q1 26 | — | $11.9B | ||
| Q4 25 | $464.3M | $11.6B | ||
| Q3 25 | $457.4M | $11.1B | ||
| Q2 25 | $437.4M | $10.8B | ||
| Q1 25 | $462.8M | $10.5B | ||
| Q4 24 | $467.1M | $10.6B | ||
| Q3 24 | $506.7M | $11.0B | ||
| Q2 24 | $484.1M | $9.6B |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.00× | ||
| Q3 25 | — | 0.00× | ||
| Q2 25 | — | 0.00× | ||
| Q1 25 | — | 0.00× | ||
| Q4 24 | — | 0.00× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $8.6M | — |
| Free Cash FlowOCF − Capex | $767.0K | — |
| FCF MarginFCF / Revenue | 0.4% | — |
| Capex IntensityCapex / Revenue | 4.0% | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $11.9M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $8.6M | $-2.7B | ||
| Q3 25 | $3.9M | $-770.8M | ||
| Q2 25 | $-11.0M | $-713.1M | ||
| Q1 25 | $28.5M | $-339.3M | ||
| Q4 24 | $-18.4M | $-2.6B | ||
| Q3 24 | $5.6M | $-669.8M | ||
| Q2 24 | $-19.6M | $-932.5M |
| Q1 26 | — | — | ||
| Q4 25 | $767.0K | $-2.9B | ||
| Q3 25 | $-1.7M | $-791.8M | ||
| Q2 25 | $-13.1M | $-803.8M | ||
| Q1 25 | $26.0M | $-352.3M | ||
| Q4 24 | $-20.4M | $-2.7B | ||
| Q3 24 | $1.7M | $-682.3M | ||
| Q2 24 | $-21.2M | $-945.3M |
| Q1 26 | — | — | ||
| Q4 25 | 0.4% | -1076.0% | ||
| Q3 25 | -0.9% | -297.4% | ||
| Q2 25 | -6.5% | -323.5% | ||
| Q1 25 | 12.3% | -161.8% | ||
| Q4 24 | -11.4% | -1237.8% | ||
| Q3 24 | 0.9% | -338.0% | ||
| Q2 24 | -11.4% | -504.9% |
| Q1 26 | — | — | ||
| Q4 25 | 4.0% | 52.7% | ||
| Q3 25 | 2.9% | 7.9% | ||
| Q2 25 | 1.0% | 36.5% | ||
| Q1 25 | 1.2% | 6.0% | ||
| Q4 24 | 1.1% | 25.0% | ||
| Q3 24 | 2.2% | 6.2% | ||
| Q2 24 | 0.9% | 6.9% |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 1.01× | -17.41× | ||
| Q2 25 | -12.59× | -18.68× | ||
| Q1 25 | — | -29.07× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | -46.33× | ||
| Q2 24 | — | -62.57× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
