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Side-by-side financial comparison of LendingClub Corp (LC) and UDR, Inc. (UDR). Click either name above to swap in a different company.
UDR, Inc. is the larger business by last-quarter revenue ($433.1M vs $252.3M, roughly 1.7× LendingClub Corp). UDR, Inc. runs the higher net margin — 51.5% vs 20.5%, a 31.0% gap on every dollar of revenue. On growth, LendingClub Corp posted the faster year-over-year revenue change (15.9% vs 2.5%). Over the past eight quarters, LendingClub Corp's revenue compounded faster (16.1% CAGR vs 2.3%).
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.
UDR, Inc. is a leading U.S.-headquartered real estate investment trust specializing in owning, operating, and redeveloping high-quality multifamily residential apartment communities. It operates across major U.S. metropolitan markets, catering to a diverse tenant base including young professionals, families, and middle-to-high income households.
LC vs UDR — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $252.3M | $433.1M |
| Net Profit | $51.6M | $222.9M |
| Gross Margin | — | — |
| Operating Margin | — | 64.1% |
| Net Margin | 20.5% | 51.5% |
| Revenue YoY | 15.9% | 2.5% |
| Net Profit YoY | 341.0% | 4519.2% |
| EPS (diluted) | $0.44 | $0.67 |
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 | $433.1M | ||
| Q3 25 | $266.2M | $431.9M | ||
| Q2 25 | $248.4M | $425.4M | ||
| Q1 25 | $217.7M | $421.9M | ||
| Q4 24 | $217.2M | $422.7M | ||
| Q3 24 | $201.9M | $420.2M | ||
| Q2 24 | $187.2M | $415.3M |
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | $222.9M | ||
| Q3 25 | $44.3M | $40.4M | ||
| Q2 25 | $38.2M | $37.7M | ||
| Q1 25 | $11.7M | $76.7M | ||
| Q4 24 | — | $-5.0M | ||
| Q3 24 | $14.5M | $22.6M | ||
| Q2 24 | $14.9M | $28.9M |
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | 64.1% | ||
| Q3 25 | 21.5% | 17.7% | ||
| Q2 25 | 21.7% | 18.2% | ||
| Q1 25 | 7.2% | 29.0% | ||
| Q4 24 | 5.1% | 15.7% | ||
| Q3 24 | 8.9% | 16.6% | ||
| Q2 24 | 10.4% | 16.5% |
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | 51.5% | ||
| Q3 25 | 16.6% | 9.4% | ||
| Q2 25 | 15.4% | 8.9% | ||
| Q1 25 | 5.4% | 18.2% | ||
| Q4 24 | — | -220.5% | ||
| Q3 24 | 7.2% | 5.4% | ||
| Q2 24 | 8.0% | 7.0% |
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | $0.67 | ||
| Q3 25 | $0.37 | $0.12 | ||
| Q2 25 | $0.33 | $0.11 | ||
| Q1 25 | $0.10 | $0.23 | ||
| Q4 24 | $0.08 | $-0.01 | ||
| Q3 24 | $0.13 | $0.06 | ||
| Q2 24 | $0.13 | $0.08 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $1.2M |
| Total DebtLower is stronger | — | $5.8B |
| Stockholders' EquityBook value | $1.5B | $3.3B |
| Total Assets | $11.9B | $10.6B |
| Debt / EquityLower = less leverage | — | 1.77× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $1.2M | ||
| Q3 25 | — | $1.2M | ||
| Q2 25 | — | $1.5M | ||
| Q1 25 | — | $1.3M | ||
| Q4 24 | — | $1.3M | ||
| Q3 24 | — | $2.3M | ||
| Q2 24 | — | $2.8M |
| Q1 26 | — | — | ||
| Q4 25 | $0 | $5.8B | ||
| Q3 25 | $0 | $5.8B | ||
| Q2 25 | $0 | $5.8B | ||
| Q1 25 | $0 | $5.8B | ||
| Q4 24 | $0 | $5.8B | ||
| Q3 24 | — | $5.9B | ||
| Q2 24 | — | $5.8B |
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | $3.3B | ||
| Q3 25 | $1.5B | $3.3B | ||
| Q2 25 | $1.4B | $3.3B | ||
| Q1 25 | $1.4B | $3.3B | ||
| Q4 24 | $1.3B | $3.4B | ||
| Q3 24 | $1.3B | $3.5B | ||
| Q2 24 | $1.3B | $3.7B |
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | $10.6B | ||
| Q3 25 | $11.1B | $10.6B | ||
| Q2 25 | $10.8B | $10.6B | ||
| Q1 25 | $10.5B | $10.7B | ||
| Q4 24 | $10.6B | $10.9B | ||
| Q3 24 | $11.0B | $11.1B | ||
| Q2 24 | $9.6B | $11.1B |
| Q1 26 | — | — | ||
| Q4 25 | 0.00× | 1.77× | ||
| Q3 25 | 0.00× | 1.78× | ||
| Q2 25 | 0.00× | 1.74× | ||
| Q1 25 | 0.00× | 1.74× | ||
| Q4 24 | 0.00× | 1.69× | ||
| Q3 24 | — | 1.67× | ||
| Q2 24 | — | 1.55× |
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 | — | $902.9M |
| Free Cash FlowOCF − Capex | — | $650.0M |
| FCF MarginFCF / Revenue | — | 150.1% |
| Capex IntensityCapex / Revenue | — | 58.4% |
| Cash ConversionOCF / Net Profit | — | 4.05× |
| TTM Free Cash FlowTrailing 4 quarters | — | $1.1B |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | $902.9M | ||
| Q3 25 | $-770.8M | $234.9M | ||
| Q2 25 | $-713.1M | $250.3M | ||
| Q1 25 | $-339.3M | $156.2M | ||
| Q4 24 | $-2.6B | $876.8M | ||
| Q3 24 | $-669.8M | $230.3M | ||
| Q2 24 | $-932.5M | $238.5M |
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | $650.0M | ||
| Q3 25 | $-791.8M | $164.6M | ||
| Q2 25 | $-803.8M | $190.1M | ||
| Q1 25 | $-352.3M | $103.2M | ||
| Q4 24 | $-2.7B | $627.0M | ||
| Q3 24 | $-682.3M | $161.3M | ||
| Q2 24 | $-945.3M | $171.1M |
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | 150.1% | ||
| Q3 25 | -297.4% | 38.1% | ||
| Q2 25 | -323.5% | 44.7% | ||
| Q1 25 | -161.8% | 24.5% | ||
| Q4 24 | -1237.8% | 148.3% | ||
| Q3 24 | -338.0% | 38.4% | ||
| Q2 24 | -504.9% | 41.2% |
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | 58.4% | ||
| Q3 25 | 7.9% | 16.3% | ||
| Q2 25 | 36.5% | 14.2% | ||
| Q1 25 | 6.0% | 12.6% | ||
| Q4 24 | 25.0% | 59.1% | ||
| Q3 24 | 6.2% | 16.4% | ||
| Q2 24 | 6.9% | 16.2% |
| Q1 26 | — | — | ||
| Q4 25 | — | 4.05× | ||
| Q3 25 | -17.41× | 5.81× | ||
| Q2 25 | -18.68× | 6.64× | ||
| Q1 25 | -29.07× | 2.04× | ||
| Q4 24 | — | — | ||
| Q3 24 | -46.33× | 10.19× | ||
| Q2 24 | -62.57× | 8.26× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
