LendingClub reported its Q4 2024 earnings, revealing a net income of $9.7 million, a decrease of 5% year-over-year. The company's earnings per share (EPS) was $0.08, missing the estimated $0.09. Revenue for the quarter reached $217.2 million, exceeding expectations of $206.43 million and marking a 17% increase compared to the previous year. Pre-Provision Net Revenue (PPNR) was reported at $74.3 million, up 34% year-over-year. Loan originations amounted to $1.85 billion, reflecting a 13% increase from the prior year. Despite these positive revenue figures, the stock experienced a decline of 18% in post-market trading, attributed to the EPS miss and concerns over the company's ability to capitalize on growing consumer debt.