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Side-by-side financial comparison of LendingClub Corp (LC) and CPI Card Group Inc. (PMTS). Click either name above to swap in a different company.
LendingClub Corp is the larger business by last-quarter revenue ($252.3M vs $153.1M, roughly 1.6× CPI Card Group Inc.). LendingClub Corp runs the higher net margin — 20.5% vs 4.8%, a 15.6% gap on every dollar of revenue. On growth, CPI Card Group Inc. posted the faster year-over-year revenue change (22.3% vs 15.9%). Over the past eight quarters, CPI Card Group Inc.'s revenue compounded faster (16.9% CAGR vs 16.1%).
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.
CPI Card Group Inc. is a leading provider of payment card production and associated solutions, including contactless and contact credit/debit cards, prepaid cards, and card personalization services. It primarily serves financial institutions, fintech firms, and retail brands across its core North American market.
LC vs PMTS — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $252.3M | $153.1M |
| Net Profit | $51.6M | $7.3M |
| Gross Margin | — | 31.5% |
| Operating Margin | — | 12.0% |
| Net Margin | 20.5% | 4.8% |
| Revenue YoY | 15.9% | 22.3% |
| Net Profit YoY | 341.0% | 8.5% |
| EPS (diluted) | $0.44 | $0.62 |
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 | $266.5M | $153.1M | ||
| Q3 25 | $266.2M | $138.0M | ||
| Q2 25 | $248.4M | $129.8M | ||
| Q1 25 | $217.7M | $122.8M | ||
| Q4 24 | $217.2M | $125.1M | ||
| Q3 24 | $201.9M | $124.8M | ||
| Q2 24 | $187.2M | $118.8M |
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | $7.3M | ||
| Q3 25 | $44.3M | $2.3M | ||
| Q2 25 | $38.2M | $518.0K | ||
| Q1 25 | $11.7M | $4.8M | ||
| Q4 24 | — | $6.8M | ||
| Q3 24 | $14.5M | $1.3M | ||
| Q2 24 | $14.9M | $6.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | 31.5% | ||
| Q3 25 | — | 29.7% | ||
| Q2 25 | — | 30.9% | ||
| Q1 25 | — | 33.2% | ||
| Q4 24 | — | 34.1% | ||
| Q3 24 | — | 35.8% | ||
| Q2 24 | — | 35.7% |
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | 12.0% | ||
| Q3 25 | 21.5% | 9.4% | ||
| Q2 25 | 21.7% | 7.3% | ||
| Q1 25 | 7.2% | 11.5% | ||
| Q4 24 | 5.1% | 12.7% | ||
| Q3 24 | 8.9% | 14.3% | ||
| Q2 24 | 10.4% | 12.5% |
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | 4.8% | ||
| Q3 25 | 16.6% | 1.7% | ||
| Q2 25 | 15.4% | 0.4% | ||
| Q1 25 | 5.4% | 3.9% | ||
| Q4 24 | — | 5.4% | ||
| Q3 24 | 7.2% | 1.0% | ||
| Q2 24 | 8.0% | 5.1% |
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | $0.62 | ||
| Q3 25 | $0.37 | $0.19 | ||
| Q2 25 | $0.33 | $0.04 | ||
| Q1 25 | $0.10 | $0.40 | ||
| Q4 24 | $0.08 | $0.56 | ||
| Q3 24 | $0.13 | $0.11 | ||
| Q2 24 | $0.13 | $0.51 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $21.7M |
| Total DebtLower is stronger | — | $286.7M |
| Stockholders' EquityBook value | $1.5B | $-17.3M |
| Total Assets | $11.9B | $403.2M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $21.7M | ||
| Q3 25 | — | $16.0M | ||
| Q2 25 | — | $17.1M | ||
| Q1 25 | — | $31.5M | ||
| Q4 24 | — | $33.5M | ||
| Q3 24 | — | $14.7M | ||
| Q2 24 | — | $7.5M |
| Q1 26 | — | — | ||
| Q4 25 | $0 | $286.7M | ||
| Q3 25 | $0 | $308.4M | ||
| Q2 25 | $0 | $310.9M | ||
| Q1 25 | $0 | $280.7M | ||
| Q4 24 | $0 | $280.4M | ||
| Q3 24 | — | $280.2M | ||
| Q2 24 | — | $269.7M |
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | $-17.3M | ||
| Q3 25 | $1.5B | $-25.7M | ||
| Q2 25 | $1.4B | $-29.0M | ||
| Q1 25 | $1.4B | $-29.7M | ||
| Q4 24 | $1.3B | $-35.6M | ||
| Q3 24 | $1.3B | $-42.8M | ||
| Q2 24 | $1.3B | $-44.6M |
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | $403.2M | ||
| Q3 25 | $11.1B | $407.1M | ||
| Q2 25 | $10.8B | $399.8M | ||
| Q1 25 | $10.5B | $351.9M | ||
| Q4 24 | $10.6B | $349.7M | ||
| Q3 24 | $11.0B | $342.3M | ||
| Q2 24 | $9.6B | $321.4M |
| 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 | — | $39.6M |
| Free Cash FlowOCF − Capex | — | $35.2M |
| FCF MarginFCF / Revenue | — | 23.0% |
| Capex IntensityCapex / Revenue | — | 2.9% |
| Cash ConversionOCF / Net Profit | — | 5.39× |
| TTM Free Cash FlowTrailing 4 quarters | — | $41.3M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | $39.6M | ||
| Q3 25 | $-770.8M | $10.0M | ||
| Q2 25 | $-713.1M | $4.3M | ||
| Q1 25 | $-339.3M | $5.6M | ||
| Q4 24 | $-2.6B | $26.7M | ||
| Q3 24 | $-669.8M | $12.5M | ||
| Q2 24 | $-932.5M | $-4.8M |
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | $35.2M | ||
| Q3 25 | $-791.8M | $5.3M | ||
| Q2 25 | $-803.8M | $533.0K | ||
| Q1 25 | $-352.3M | $292.0K | ||
| Q4 24 | $-2.7B | $21.6M | ||
| Q3 24 | $-682.3M | $11.1M | ||
| Q2 24 | $-945.3M | $-6.0M |
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | 23.0% | ||
| Q3 25 | -297.4% | 3.8% | ||
| Q2 25 | -323.5% | 0.4% | ||
| Q1 25 | -161.8% | 0.2% | ||
| Q4 24 | -1237.8% | 17.3% | ||
| Q3 24 | -338.0% | 8.9% | ||
| Q2 24 | -504.9% | -5.0% |
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | 2.9% | ||
| Q3 25 | 7.9% | 3.4% | ||
| Q2 25 | 36.5% | 2.9% | ||
| Q1 25 | 6.0% | 4.3% | ||
| Q4 24 | 25.0% | 4.0% | ||
| Q3 24 | 6.2% | 1.2% | ||
| Q2 24 | 6.9% | 1.0% |
| Q1 26 | — | — | ||
| Q4 25 | — | 5.39× | ||
| Q3 25 | -17.41× | 4.32× | ||
| Q2 25 | -18.68× | 8.39× | ||
| Q1 25 | -29.07× | 1.17× | ||
| Q4 24 | — | 3.94× | ||
| Q3 24 | -46.33× | 9.70× | ||
| Q2 24 | -62.57× | -0.79× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
LC
Segment breakdown not available.
PMTS
| US Debit And Credit | $128.9M | 84% |
| US Prepaid Debit | $24.4M | 16% |
