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VizualStocks APIOperating KPI and segment definitions available for LendingClub (LC) through the VizualStocks API.
Outstanding balance of unsecured consumer and auto loans owned by outside investors but still serviced on Happen's platform. It is the third-party-owned portion of the total servicing portfolio, where Happen retains servicing rights and earns servicing fees.
assetsUnderManagementLoansServicedForOthersPeriod-end outstanding balance of unsecured consumer and auto loans serviced on Happen's platform, including loans retained by Happen Bank and loans owned by outside investors. This measures the loan base Happen services, not assets managed in an investment fund.
assetsUnderManagementTotalServicingPortfolioIntercompany non-interest income removed when Happen combines the Happen Bank and parent-only segment results. These amounts prevent transactions between the bank and its parent from inflating consolidated revenue and are normally reported as negative eliminations.
eliminationsFromNonInterestIncomeRevenue removed when Happen consolidates transactions between Happen Bank and the parent-only segment. Subtracting this intercompany amount from the two segments' combined net revenue produces consolidated total net revenue without double counting.
eliminationsFromRevenuePre-tax profit of Happen Bank, formerly LendingClub Bank, after net interest income, non-interest income, credit-loss provision or benefit, and the bank's non-interest expenses. It excludes the separate parent-only segment and intercompany consolidation eliminations.
lendingClubBankIncomeBeforeTaxDespite the legacy metric name, this series stores Happen Bank's net interest income: interest earned on loans and securities less interest paid on deposits and other funding. It captures the spread-based earnings of the bank before non-interest revenue, credit costs and operating expenses.
lendingClubBankInterestIncomeHappen Bank revenue outside net interest income, including loan-origination and servicing fees, gains on loan sales, fair-value changes on loans and servicing assets, and other fee income. Since 2026, fair-value changes on newly originated investment loans flow through this line rather than a separate credit-loss provision.
lendingClubBankNonInterestIncomeTotal net revenue of Happen Bank, formerly LendingClub Bank, equal to the bank segment's net interest income plus non-interest income. It reflects Happen's loan, deposit and marketplace-investor activities before credit costs and operating expenses.
lendingClubBankRevenuePre-tax profit of Happen, Inc.'s parent-only segment, which mainly contains legacy servicing assets and financing transactions entered before the bank was formed. It excludes Happen Bank's operations and is a U.S.-dollar amount, not a percentage or other non-currency measure.
lendingClubCorporationIncomeBeforeTaxNet interest income of Happen, Inc.'s parent-only segment from legacy financing transactions entered before Happen Bank was formed. The line is separate from the bank's much larger spread income and may be small as older parent-company positions run off.
lendingClubCorporationInterestIncomeNon-interest income of Happen, Inc.'s parent-only segment, primarily servicing fees on purchased servicing assets plus fair-value adjustments and other legacy income. It does not represent Happen Bank's origination, deposit or loan-investment operations.
lendingClubCorporationNonInterestIncomeTotal net revenue of Happen, Inc.'s parent-only segment, equal to its net interest income plus non-interest income. The segment largely reflects legacy servicing and financing activity from before Happen Bank was formed, not the current bank's core lending and deposit business.
lendingClubCorporationRevenuePrincipal amount of loans originated during the period that the company classified as held for investment rather than for sale.
loanOriginationsHeldForInvestmentPrincipal amount of loans originated during the period that Happen sold or classified as held for sale to marketplace investors. This is the capital-light side of Happen's marketplace-bank model, distinct from originations retained on Happen Bank's balance sheet for investment.
marketplaceLoanOriginationsLegacy residual with no supported Happen-reported revenue counterpart. Happen reports only Happen Bank and Happen, Inc. parent-only segment revenue plus intercompany eliminations, so this series should not be interpreted as revenue from an additional business segment.
otherRevenue