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Side-by-side financial comparison of LendingClub Corp (LC) and UNIVERSAL TECHNICAL INSTITUTE INC (UTI). Click either name above to swap in a different company.
LendingClub Corp is the larger business by last-quarter revenue ($252.3M vs $220.8M, roughly 1.1× UNIVERSAL TECHNICAL INSTITUTE INC). LendingClub Corp runs the higher net margin — 20.5% vs 5.8%, a 14.6% gap on every dollar of revenue. On growth, LendingClub Corp posted the faster year-over-year revenue change (15.9% vs 9.6%). Over the past eight quarters, LendingClub Corp's revenue compounded faster (16.1% CAGR vs 9.5%).
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.
Universal Technical Institute, Inc. (UTI) is a private for-profit system of technical colleges in the United States. It was established in 1965 by Robert Sweet.
LC vs UTI — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $252.3M | $220.8M |
| Net Profit | $51.6M | $12.8M |
| Gross Margin | — | — |
| Operating Margin | — | 7.1% |
| Net Margin | 20.5% | 5.8% |
| Revenue YoY | 15.9% | 9.6% |
| Net Profit YoY | 341.0% | -42.1% |
| EPS (diluted) | $0.44 | $0.23 |
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 | $220.8M | ||
| Q3 25 | $266.2M | $222.4M | ||
| Q2 25 | $248.4M | $204.3M | ||
| Q1 25 | $217.7M | $207.4M | ||
| Q4 24 | $217.2M | $201.4M | ||
| Q3 24 | $201.9M | $196.4M | ||
| Q2 24 | $187.2M | $177.5M |
| Q1 26 | $51.6M | — | ||
| Q4 25 | — | $12.8M | ||
| Q3 25 | $44.3M | $18.8M | ||
| Q2 25 | $38.2M | $10.7M | ||
| Q1 25 | $11.7M | $11.4M | ||
| Q4 24 | — | $22.2M | ||
| Q3 24 | $14.5M | $18.8M | ||
| Q2 24 | $14.9M | $5.0M |
| Q1 26 | — | — | ||
| Q4 25 | 18.8% | 7.1% | ||
| Q3 25 | 21.5% | 11.2% | ||
| Q2 25 | 21.7% | 6.9% | ||
| Q1 25 | 7.2% | 8.1% | ||
| Q4 24 | 5.1% | 13.6% | ||
| Q3 24 | 8.9% | 13.3% | ||
| Q2 24 | 10.4% | 4.2% |
| Q1 26 | 20.5% | — | ||
| Q4 25 | — | 5.8% | ||
| Q3 25 | 16.6% | 8.4% | ||
| Q2 25 | 15.4% | 5.2% | ||
| Q1 25 | 5.4% | 5.5% | ||
| Q4 24 | — | 11.0% | ||
| Q3 24 | 7.2% | 9.6% | ||
| Q2 24 | 8.0% | 2.8% |
| Q1 26 | $0.44 | — | ||
| Q4 25 | $0.36 | $0.23 | ||
| Q3 25 | $0.37 | $0.33 | ||
| Q2 25 | $0.33 | $0.19 | ||
| Q1 25 | $0.10 | $0.21 | ||
| Q4 24 | $0.08 | $0.40 | ||
| Q3 24 | $0.13 | $0.35 | ||
| Q2 24 | $0.13 | $0.09 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $162.8M |
| Total DebtLower is stronger | — | $101.4M |
| Stockholders' EquityBook value | $1.5B | $335.9M |
| Total Assets | $11.9B | $834.0M |
| Debt / EquityLower = less leverage | — | 0.30× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $162.8M | ||
| Q3 25 | — | $169.1M | ||
| Q2 25 | — | $70.7M | ||
| Q1 25 | — | $96.0M | ||
| Q4 24 | — | $172.0M | ||
| Q3 24 | — | $161.9M | ||
| Q2 24 | — | $115.5M |
| Q1 26 | — | — | ||
| Q4 25 | $0 | $101.4M | ||
| Q3 25 | $0 | $87.1M | ||
| Q2 25 | $0 | $73.8M | ||
| Q1 25 | $0 | $94.4M | ||
| Q4 24 | $0 | $120.1M | ||
| Q3 24 | — | $125.7M | ||
| Q2 24 | — | $137.3M |
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | $335.9M | ||
| Q3 25 | $1.5B | $328.1M | ||
| Q2 25 | $1.4B | $306.8M | ||
| Q1 25 | $1.4B | $293.9M | ||
| Q4 24 | $1.3B | $280.0M | ||
| Q3 24 | $1.3B | $260.2M | ||
| Q2 24 | $1.3B | $239.4M |
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.6B | $834.0M | ||
| Q3 25 | $11.1B | $826.1M | ||
| Q2 25 | $10.8B | $740.8M | ||
| Q1 25 | $10.5B | $720.4M | ||
| Q4 24 | $10.6B | $753.8M | ||
| Q3 24 | $11.0B | $744.6M | ||
| Q2 24 | $9.6B | $706.0M |
| Q1 26 | — | — | ||
| Q4 25 | 0.00× | 0.30× | ||
| Q3 25 | 0.00× | 0.27× | ||
| Q2 25 | 0.00× | 0.24× | ||
| Q1 25 | 0.00× | 0.32× | ||
| Q4 24 | 0.00× | 0.43× | ||
| Q3 24 | — | 0.48× | ||
| Q2 24 | — | 0.57× |
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 | — | $3.1M |
| Free Cash FlowOCF − Capex | — | $-19.2M |
| FCF MarginFCF / Revenue | — | -8.7% |
| Capex IntensityCapex / Revenue | — | 10.1% |
| Cash ConversionOCF / Net Profit | — | 0.24× |
| TTM Free Cash FlowTrailing 4 quarters | — | $16.6M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $-2.7B | $3.1M | ||
| Q3 25 | $-770.8M | $57.1M | ||
| Q2 25 | $-713.1M | $18.1M | ||
| Q1 25 | $-339.3M | $-789.0K | ||
| Q4 24 | $-2.6B | $23.0M | ||
| Q3 24 | $-669.8M | $67.5M | ||
| Q2 24 | $-932.5M | $10.0M |
| Q1 26 | — | — | ||
| Q4 25 | $-2.9B | $-19.2M | ||
| Q3 25 | $-791.8M | $40.6M | ||
| Q2 25 | $-803.8M | $6.8M | ||
| Q1 25 | $-352.3M | $-11.7M | ||
| Q4 24 | $-2.7B | $19.6M | ||
| Q3 24 | $-682.3M | $60.0M | ||
| Q2 24 | $-945.3M | $3.0M |
| Q1 26 | — | — | ||
| Q4 25 | -1076.0% | -8.7% | ||
| Q3 25 | -297.4% | 18.3% | ||
| Q2 25 | -323.5% | 3.4% | ||
| Q1 25 | -161.8% | -5.7% | ||
| Q4 24 | -1237.8% | 9.7% | ||
| Q3 24 | -338.0% | 30.6% | ||
| Q2 24 | -504.9% | 1.7% |
| Q1 26 | — | — | ||
| Q4 25 | 52.7% | 10.1% | ||
| Q3 25 | 7.9% | 7.4% | ||
| Q2 25 | 36.5% | 5.5% | ||
| Q1 25 | 6.0% | 5.3% | ||
| Q4 24 | 25.0% | 1.7% | ||
| Q3 24 | 6.2% | 3.8% | ||
| Q2 24 | 6.9% | 4.0% |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.24× | ||
| Q3 25 | -17.41× | 3.04× | ||
| Q2 25 | -18.68× | 1.69× | ||
| Q1 25 | -29.07× | -0.07× | ||
| Q4 24 | — | 1.04× | ||
| Q3 24 | -46.33× | 3.58× | ||
| Q2 24 | -62.57× | 2.01× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
LC
Segment breakdown not available.
UTI
| UTI | $142.8M | 65% |
| Concorde | $78.0M | 35% |
