Revenue
Cost
Profit
| Item | Category | Value | YoY |
|---|---|---|---|
| Corporate/other total net revenue (loss) | revenue | 1.10B | 42.58% |
| Income before income taxes | profit | 199.55M | 150.12% |
| Total noninterest expense | cost | 891.92M | 29.96% |
| Provision for credit losses | cost | 8.89M | 56.66% |
| Net income | profit | 166.73M | 134.45% |
| Income tax expense (benefit) | cost | 32.82M | 278.73% |
| Sales and marketing | cost | 335.54M | 40.88% |
| General and administrative | cost | 197.58M | 26.33% |
| Technology and product development | cost | 187.68M | 20.15% |
| Cost of operations | cost | 171.12M | 26.27% |
| Comprehensive income | profit | 153.01M | 85.90% |
| Total other comprehensive income (loss) | revenue | 13.72M | 22.59% |
| Unrealized gains (losses) on available-for-sale securities, net | revenue | 12.95M | -2.13% |
| Other comprehensive income (loss), foreign currency transaction and translation adjustment, net of tax, portion attributable to parent | revenue | 774000 | -1.88% |
| Segment | Value | YoY |
|---|---|---|
| Lending | 642.42M | 55.41% |
| Financial Services | 80.16M | 49.12% |
| Technology Platform | 49.34M | -43.04% |
| Others | 328.44M | 50.66% |
| Segment | Value | YoY |
|---|---|---|
| Technology Services | 48.78M | -43.27% |
| Interchange | 35.20M | 54.31% |
| Referrals, Loan Platform | 19.28M | -2.15% |
| Brokerage | 15.10M | 116.23% |
| Financial Service, Other | 5.97M | 245.00% |
| Referrals, Other | 3.76M | 48.46% |
| Crypto Service | 852000 | |
| Technology Platform, Other | 558000 | -12.26% |
| Others | 970.86M | 53.77% |
| Item | Category | Value | YoY |
|---|---|---|---|
| Loans held for sale (includes $25.3 billion and $22.7 billion at fair value, as of march 31, 2026 and december 31, 2025, respectively) | assets | 25.45B | |
| Loans held for investment, at fair value | assets | 15.34B | |
| Cash and cash equivalent | assets | 3.40B | |
| Investment securities (includes available-for-sale securities of $3,048,360 and $2,454,453 at fair value with associated amortized cost of $3,043,774 and $2,434,627, as of march 31, 2026 and december 31, 2025, respectively) | assets | 3.23B | |
| Other assets (less allowance for credit losses of $2,682 and $2,998, as of march 31, 2026 and december 31, 2025, respectively) | assets | 2.02B | |
| Goodwill | assets | 1.39B | |
| Loans held for investment, at amortized cost (less allowance for credit losses of $51,934 and $50,934, as of march 31, 2026 and december 31, 2025, respectively) | assets | 1.38B | |
| Property, plant, and equipment and finance lease right-of-use asset, after accumulated depreciation and amortization | assets | 448.49M | |
| Servicing rights | assets | 367.90M | |
| Restricted cash and restricted cash equivalents | assets | 360.23M | |
| Intangible assets | assets | 215.09M | |
| Operating lease right-of-use assets | assets | 88.86M | |
| Total assets | assets | 53.70B | |
| Total liabilities | liabilities | 42.89B | |
| Total equity | equity | 10.81B | |
| Accumulated deficit | equity | 657.55M | |
| Accumulated other comprehensive income (loss) | equity | 2.74M | |
| Total deposits | liabilities | 40.24B | |
| Debt | liabilities | 1.81B | |
| Accounts payable, accruals and other liabilities | liabilities | 729.26M | |
| Operating lease liabilities | liabilities | 100.71M | |
| Residual interests classified as debt | liabilities | 517000 | |
| Aggregate | equity | 11.47B | |
| Interest-bearing deposits | liabilities | 40.12B | |
| Noninterest-bearing deposits | liabilities | 123.00M | |
| Additional paid-in capital | equity | 11.47B | |
| Common stock, $0.00 par value: 3,100,000,000 and 3,100,000,000 shares authorized; 1,281,409,498 and 1,270,568,878 shares issued and outstanding, as of march 31, 2026 and december 31, 2025, respectively | equity | 127000 |
| Item | Value |
|---|---|
| Increase (decrease) in financing receivable, held-for sale previously | 227.27M |
| Net income | 166.73M |
| Share-based compensation expense | 72.01M |
| Depreciation and amortization | 67.58M |
| Deferred income taxes | 28.90M |
| Increase (decrease) in servicing assets from securitization | 10.28M |
| Provision for credit losses | 8.89M |
| Deferred debt issuance and discount expense | 2.90M |
| Fair value adjustment of securitization of loans | -220000 |
| Other noncash income (expense) | -3.40M |
| Increase (decrease) accrued interest on loans | -24.32M |
| Changes in other liabilities | -33.85M |
| Fair value adjustment of financing receivable, held-for-investment, at fair value | -39.72M |
| Increase (decrease) in other operating assets | -136.68M |
| Increase (decrease) in loan, held-for-sale | -2.66B |
| Item | Value |
|---|---|
| Proceeds from sales of available-for-sale investments | 605.82M |
| Proceeds from maturities and paydowns of available-for-sale investments | 167.32M |
| Proceeds from securitization investments | 24.14M |
| Proceeds from non-securitization investments | 956000 |
| Capitalized computer software, period increase (decrease) | -1.23M |
| Payments to acquire other investments | -8.15M |
| Payments to acquire productive assets | -67.55M |
| Payment for acquisition, loan, held-for-investment | -86.91M |
| Payments to acquire debt securities, available-for-sale | -1.38B |
| Increase (decrease) in financing receivables, after allowance for credit loss | -1.65B |
| Item | Value |
|---|---|
| Net change in deposits | 3.03B |
| Proceeds from issuance of common stock | 87.39M |
| Proceeds from stock option exercises | 2.37M |
| Payments of stock issuance costs | -115000 |
| Finance lease, principal payments | -202000 |
| Payments of debt issuance costs | -250000 |
| Repayments of other long-term debt | -3.20M |
| Payment, tax withholding, share-based payment arrangement | -5.89M |
| Item | Value |
|---|---|
| Cash and cash equivalents, beginning of period | 5.36B |
| Cash and cash equivalents, end of period | 3.76B |
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