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Side-by-side financial comparison of LendingClub Corp (LC) and Savers Value Village, Inc. (SVV). Click either name above to swap in a different company.
Savers Value Village, Inc. is the larger business by last-quarter revenue ($426.9M vs $252.3M, roughly 1.7× LendingClub Corp). LendingClub Corp runs the higher net margin — 20.5% vs -3.3%, a 23.7% gap on every dollar of revenue. On growth, LendingClub Corp posted the faster year-over-year revenue change (15.9% vs 8.1%). Over the past eight quarters, LendingClub Corp's revenue compounded faster (16.1% CAGR vs 4.3%).
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.
Value Village Stores, Inc. was a Midwestern United States chain of retail stores aimed at the discount department-store market. Henry Horney, formerly of F.W. Woolworth Company founded a small, regional chain of discount stores located in the two states of Wisconsin and Illinois that opened in 1961 and operated into 1989. Horney also had a real estate company and often built small shopping malls adjoining the discount stores. The chain had no relation to the Savers Value Village chain of thri...
LC vs SVV — Head-to-Head
Income Statement — Q1 FY2026 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $252.3M | $426.9M |
| Net Profit | $51.6M | $-14.0M |
| Gross Margin | — | — |
| Operating Margin | — | 8.5% |
| Net Margin | 20.5% | -3.3% |
| Revenue YoY | 15.9% | 8.1% |
| Net Profit YoY | 341.0% | -164.6% |
| EPS (diluted) | $0.44 | $-0.09 |
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 | — | ||
| Q3 25 | $266.2M | $426.9M | ||
| Q2 25 | $248.4M | $417.2M | ||
| Q1 25 | $217.7M | $370.1M | ||
| Q4 24 | $217.2M | $402.0M | ||
| Q3 24 | $201.9M | $394.8M | ||
| Q2 24 | $187.2M | $386.7M |
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | $44.3M | $-14.0M | ||
| Q2 25 | $38.2M | $18.9M | ||
| Q1 25 | $11.7M | $-4.7M | ||
| Q4 24 | — | $-1.9M | ||
| Q3 24 | $14.5M | $21.7M | ||
| Q2 24 | $14.9M | $9.7M |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 25.6% | ||
| Q2 24 | — | 26.6% |
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | — | ||
| Q3 25 | 21.5% | 8.5% | ||
| Q2 25 | 21.7% | 8.2% | ||
| Q1 25 | 7.2% | 2.8% | ||
| Q4 24 | 5.1% | 8.2% | ||
| Q3 24 | 8.9% | 12.3% | ||
| Q2 24 | 10.4% | 8.3% |
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 16.6% | -3.3% | ||
| Q2 25 | 15.4% | 4.5% | ||
| Q1 25 | 5.4% | -1.3% | ||
| Q4 24 | — | -0.5% | ||
| Q3 24 | 7.2% | 5.5% | ||
| Q2 24 | 8.0% | 2.5% |
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | — | ||
| Q3 25 | $0.37 | $-0.09 | ||
| Q2 25 | $0.33 | $0.12 | ||
| Q1 25 | $0.10 | $-0.03 | ||
| Q4 24 | $0.08 | $-0.02 | ||
| Q3 24 | $0.13 | $0.13 | ||
| Q2 24 | $0.13 | $0.06 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $63.5M |
| Total DebtLower is stronger | — | $750.0M |
| Stockholders' EquityBook value | $1.5B | $414.6M |
| Total Assets | $11.9B | $2.0B |
| Debt / EquityLower = less leverage | — | 1.81× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $63.5M | ||
| Q2 25 | — | $70.5M | ||
| Q1 25 | — | $73.0M | ||
| Q4 24 | — | $150.0M | ||
| Q3 24 | — | $137.7M | ||
| Q2 24 | — | $160.7M |
| Q1 26 | — | — | ||
| Q4 25 | $0 | — | ||
| Q3 25 | $0 | $750.0M | ||
| Q2 25 | $0 | — | ||
| Q1 25 | $0 | — | ||
| Q4 24 | $0 | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | — | ||
| Q3 25 | $1.5B | $414.6M | ||
| Q2 25 | $1.4B | $423.5M | ||
| Q1 25 | $1.4B | $413.8M | ||
| Q4 24 | $1.3B | $421.7M | ||
| Q3 24 | $1.3B | $432.9M | ||
| Q2 24 | $1.3B | $419.5M |
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | — | ||
| Q3 25 | $11.1B | $2.0B | ||
| Q2 25 | $10.8B | $1.9B | ||
| Q1 25 | $10.5B | $1.9B | ||
| Q4 24 | $10.6B | $1.9B | ||
| Q3 24 | $11.0B | $1.9B | ||
| Q2 24 | $9.6B | $1.9B |
| Q1 26 | — | — | ||
| Q4 25 | 0.00× | — | ||
| Q3 25 | 0.00× | 1.81× | ||
| 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 | — | $21.6M |
| Free Cash FlowOCF − Capex | — | $-6.3M |
| FCF MarginFCF / Revenue | — | -1.5% |
| Capex IntensityCapex / Revenue | — | 6.5% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $25.5M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | — | ||
| Q3 25 | $-770.8M | $21.6M | ||
| Q2 25 | $-713.1M | $54.4M | ||
| Q1 25 | $-339.3M | $419.0K | ||
| Q4 24 | $-2.6B | $55.8M | ||
| Q3 24 | $-669.8M | $23.9M | ||
| Q2 24 | $-932.5M | $60.4M |
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | — | ||
| Q3 25 | $-791.8M | $-6.3M | ||
| Q2 25 | $-803.8M | $21.9M | ||
| Q1 25 | $-352.3M | $-20.2M | ||
| Q4 24 | $-2.7B | $30.1M | ||
| Q3 24 | $-682.3M | $-3.0M | ||
| Q2 24 | $-945.3M | $29.6M |
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | — | ||
| Q3 25 | -297.4% | -1.5% | ||
| Q2 25 | -323.5% | 5.2% | ||
| Q1 25 | -161.8% | -5.4% | ||
| Q4 24 | -1237.8% | 7.5% | ||
| Q3 24 | -338.0% | -0.8% | ||
| Q2 24 | -504.9% | 7.6% |
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | — | ||
| Q3 25 | 7.9% | 6.5% | ||
| Q2 25 | 36.5% | 7.8% | ||
| Q1 25 | 6.0% | 5.6% | ||
| Q4 24 | 25.0% | 6.4% | ||
| Q3 24 | 6.2% | 6.8% | ||
| Q2 24 | 6.9% | 8.0% |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | -17.41× | — | ||
| Q2 25 | -18.68× | 2.88× | ||
| Q1 25 | -29.07× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | -46.33× | 1.10× | ||
| Q2 24 | -62.57× | 6.22× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
LC
Segment breakdown not available.
SVV
| Sales Channel Directly To Consumer | $408.3M | 96% |
| Sales Channel Through Intermediary | $18.6M | 4% |
