vs
Side-by-side financial comparison of LendingClub Corp (LC) and WORLD ACCEPTANCE CORP (WRLD). Click either name above to swap in a different company.
LendingClub Corp is the larger business by last-quarter revenue ($266.5M vs $141.3M, roughly 1.9× WORLD ACCEPTANCE CORP). On growth, LendingClub Corp posted the faster year-over-year revenue change (22.7% vs 1.9%). WORLD ACCEPTANCE CORP produced more free cash flow last quarter ($57.2M vs $-919.3M). Over the past eight quarters, LendingClub Corp's revenue compounded faster (21.4% CAGR vs -5.8%).
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.
Credit Acceptance Corporation is an auto finance company providing automobile loans and other related financial products. The company operates its financial program through a national network of dealer-partners, the automobile dealers participating in the programs. The company operates two programs: the "Portfolio Program" and the "Purchase Program". Through these programs, the company can advance money to automobile dealers in exchange for the right to service the underlying consumer loans a...
LC vs WRLD — Head-to-Head
Income Statement — Q4 2025 vs Q3 2026
| Metric | | |
|---|---|---|
| Revenue | $266.5M | $141.3M |
| Net Profit | — | $-911.3K |
| Gross Margin | — | — |
| Operating Margin | 18.8% | -0.7% |
| Net Margin | — | -0.6% |
| Revenue YoY | 22.7% | 1.9% |
| Net Profit YoY | — | -106.8% |
| EPS (diluted) | $0.36 | $-0.19 |
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.
| Q4 25 | $266.5M | $141.3M | ||
| Q3 25 | $266.2M | $134.5M | ||
| Q2 25 | $248.4M | $132.5M | ||
| Q1 25 | $217.7M | $165.3M | ||
| Q4 24 | $217.2M | $138.6M | ||
| Q3 24 | $201.9M | $131.4M | ||
| Q2 24 | $187.2M | $129.5M | ||
| Q1 24 | $180.7M | $159.3M |
| Q4 25 | — | $-911.3K | ||
| Q3 25 | $44.3M | $-1.9M | ||
| Q2 25 | $38.2M | $1.3M | ||
| Q1 25 | $11.7M | $44.3M | ||
| Q4 24 | — | $13.4M | ||
| Q3 24 | $14.5M | $22.1M | ||
| Q2 24 | $14.9M | $9.9M | ||
| Q1 24 | $12.3M | $35.1M |
| Q4 25 | 18.8% | -0.7% | ||
| Q3 25 | 21.5% | -1.3% | ||
| Q2 25 | 21.7% | 1.5% | ||
| Q1 25 | 7.2% | 33.3% | ||
| Q4 24 | 5.1% | 11.6% | ||
| Q3 24 | 8.9% | 21.3% | ||
| Q2 24 | 10.4% | 10.0% | ||
| Q1 24 | 9.1% | 29.3% |
| Q4 25 | — | -0.6% | ||
| Q3 25 | 16.6% | -1.4% | ||
| Q2 25 | 15.4% | 1.0% | ||
| Q1 25 | 5.4% | 26.8% | ||
| Q4 24 | — | 9.7% | ||
| Q3 24 | 7.2% | 16.8% | ||
| Q2 24 | 8.0% | 7.7% | ||
| Q1 24 | 6.8% | 22.0% |
| Q4 25 | $0.36 | $-0.19 | ||
| Q3 25 | $0.37 | $-0.38 | ||
| Q2 25 | $0.33 | $0.25 | ||
| Q1 25 | $0.10 | $8.07 | ||
| Q4 24 | $0.08 | $2.45 | ||
| Q3 24 | $0.13 | $3.99 | ||
| Q2 24 | $0.13 | $1.79 | ||
| Q1 24 | $0.11 | $6.02 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $10.0M |
| Total DebtLower is stronger | $0 | $677.2M |
| Stockholders' EquityBook value | $1.5B | $351.6M |
| Total Assets | $11.6B | $1.1B |
| Debt / EquityLower = less leverage | 0.00× | 1.93× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $10.0M | ||
| Q3 25 | — | $14.9M | ||
| Q2 25 | — | $8.1M | ||
| Q1 25 | — | $4.7M | ||
| Q4 24 | — | $10.3M | ||
| Q3 24 | — | $9.7M | ||
| Q2 24 | — | $11.1M | ||
| Q1 24 | — | $5.2M |
| Q4 25 | $0 | $677.2M | ||
| Q3 25 | $0 | $584.6M | ||
| Q2 25 | $0 | $472.5M | ||
| Q1 25 | $0 | $447.9M | ||
| Q4 24 | $0 | $561.2M | ||
| Q3 24 | — | $506.6M | ||
| Q2 24 | — | $494.7M | ||
| Q1 24 | — | $498.4M |
| Q4 25 | $1.5B | $351.6M | ||
| Q3 25 | $1.5B | $365.6M | ||
| Q2 25 | $1.4B | $427.9M | ||
| Q1 25 | $1.4B | $439.5M | ||
| Q4 24 | $1.3B | $428.2M | ||
| Q3 24 | $1.3B | $417.5M | ||
| Q2 24 | $1.3B | $422.6M | ||
| Q1 24 | $1.3B | $424.4M |
| Q4 25 | $11.6B | $1.1B | ||
| Q3 25 | $11.1B | $1.1B | ||
| Q2 25 | $10.8B | $1.0B | ||
| Q1 25 | $10.5B | $1.0B | ||
| Q4 24 | $10.6B | $1.1B | ||
| Q3 24 | $11.0B | $1.0B | ||
| Q2 24 | $9.6B | $1.0B | ||
| Q1 24 | $9.2B | $1.1B |
| Q4 25 | 0.00× | 1.93× | ||
| Q3 25 | 0.00× | 1.60× | ||
| Q2 25 | 0.00× | 1.10× | ||
| Q1 25 | 0.00× | 1.02× | ||
| Q4 24 | 0.00× | 1.31× | ||
| Q3 24 | — | 1.21× | ||
| Q2 24 | — | 1.17× | ||
| Q1 24 | — | 1.17× |
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 | $-903.8M | $58.0M |
| Free Cash FlowOCF − Capex | $-919.3M | $57.2M |
| FCF MarginFCF / Revenue | -345.0% | 40.5% |
| Capex IntensityCapex / Revenue | 5.8% | 0.6% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $-2.9B | $252.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-903.8M | $58.0M | ||
| Q3 25 | $-770.8M | $48.6M | ||
| Q2 25 | $-713.1M | $58.2M | ||
| Q1 25 | $-339.3M | $90.9M | ||
| Q4 24 | $-185.4M | $61.1M | ||
| Q3 24 | $-669.8M | $53.8M | ||
| Q2 24 | $-932.5M | $48.4M | ||
| Q1 24 | $-846.5M | $83.8M |
| Q4 25 | $-919.3M | $57.2M | ||
| Q3 25 | $-791.8M | $47.7M | ||
| Q2 25 | $-803.8M | $57.1M | ||
| Q1 25 | $-352.3M | $90.0M | ||
| Q4 24 | $-202.6M | $60.4M | ||
| Q3 24 | $-682.3M | $52.7M | ||
| Q2 24 | $-945.3M | $47.3M | ||
| Q1 24 | $-858.3M | $82.3M |
| Q4 25 | -345.0% | 40.5% | ||
| Q3 25 | -297.4% | 35.5% | ||
| Q2 25 | -323.5% | 43.1% | ||
| Q1 25 | -161.8% | 54.5% | ||
| Q4 24 | -93.3% | 43.6% | ||
| Q3 24 | -338.0% | 40.1% | ||
| Q2 24 | -504.9% | 36.5% | ||
| Q1 24 | -475.0% | 51.7% |
| Q4 25 | 5.8% | 0.6% | ||
| Q3 25 | 7.9% | 0.7% | ||
| Q2 25 | 36.5% | 0.8% | ||
| Q1 25 | 6.0% | 0.5% | ||
| Q4 24 | 7.9% | 0.5% | ||
| Q3 24 | 6.2% | 0.8% | ||
| Q2 24 | 6.9% | 0.8% | ||
| Q1 24 | 6.5% | 1.0% |
| Q4 25 | — | — | ||
| Q3 25 | -17.41× | — | ||
| Q2 25 | -18.68× | 43.27× | ||
| Q1 25 | -29.07× | 2.05× | ||
| Q4 24 | — | 4.56× | ||
| Q3 24 | -46.33× | 2.43× | ||
| Q2 24 | -62.57× | 4.87× | ||
| Q1 24 | -69.10× | 2.39× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
LC
| Lending Club Bank | $162.8M | 61% |
| Other | $82.3M | 31% |
| Servicing Fees | $12.8M | 5% |
| Lending Club Corporation | $8.5M | 3% |
WRLD
Segment breakdown not available.
