LendingClub Delivers Better Than Expected Earnings In Q4 2023

由柏拉图重新发布

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借贷俱乐部报道今天收盘后公布了 4 年第四季度的财报，总体而言，考虑到各类贷方面临的经济逆风，这是一个相当强劲的季度。该季度的收入和盈利均超出预期。

以下是该报告的一些主要亮点：

收入和盈利：LendingClub 报告第四季度总收入为 185.6 亿美元，同比下降 4%。然而，该公司的表现超出了华尔街的预期，后者预计收入为 29.4 亿美元。该公司每股收益 (EPS) 为 180.7 美元，超过分析师平均预期的 0.09 美元。
净收入：该公司第四季度净利润为 10.2 万美元，较上一季度的 4 万美元有所改善。
贷款发放：贷款发放总额从上一季度的 1.6 亿美元增加至 1.5 亿美元。这一增长归因于贷款投资者购买量的增加以及市场起源较上一季度增长 21%。
资产负债表实力：LendingClub 年底总资产达 8.8 亿美元，较上一季度大幅增长。这一增长主要来自与结构化证书计划相关的证券的增加。
存款增长：该公司的存款增至 7.3 亿美元，其中 FDIC 承保存款约占总存款的 87%。
效率比：效率比率从上一季度的 70.0% 恶化至 63.7%，表明成本相对于收入较高。
信用损失准备金：信贷损失拨备从第三季度的 41.9 万美元减少至第四季度的 4 万美元。
资本状况：LendingClub 强劲的资本状况显而易见，综合一级杠杆率为 1%，综合普通股一级资本比率为 12.9%。
年度业绩：LendingClub 报告全年利润为 38.9 万美元，即每股 36 美分，收入为 864.6 亿美元。

这家金融科技先驱还提供了 1 年第一季度的指引，表示资金来源将与上一季度保持一致，并将保持正的 GAAP 净利润，同时降低信贷损失拨备。

以下是首席执行官斯科特·桑伯恩 (Scott Sanborn) 的评论：

“自三年前获得银行牌照以来，我们已经改变了我们的财务状况和业务——资产负债表增加了两倍，有形账面价值增加了约 2 倍，存款增加了近 4 倍，并连续 12 个季度实现信贷业绩。此外，我们继续通过结构化证书等产品进行创新，并且在多产品移动优先体验方面取得了切实进展。该基金会将使我们能够抓住正在进行的历史性数十亿美元再融资机会，以全新的方式吸引我们的会员，并建立长期股东价值。”

市场对 LendingClub 的盈利报告并不感到兴奋，因为该股在今晚盘后交易中下跌了近 4%。

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