| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Marketplace revenue | $355.9M+46.6% | $242.8M-16.7% | $291.5M-57.4% | $683.6M+18.2% | $578.6M | — | $646.7M | — |
| Other non-interest income | $17.2M+69.3% | $10.2M-9.9% | $11.3M-60.7% | $28.8M+5.7% | $27.2M+102.5% | $13.4M-2.8% | $13.8M | — |
| Total non-interest income | $373.2M+47.5% | $253.0M-16.5% | $302.8M-57.5% | $712.4M+17.6% | $605.8M | — | $660.6M | — |
| Interest on loans held for sale | $142.9M+54.6% | $92.4M+159.3% | $35.7M+36.2% | $26.2M-11.4% | $29.5M-59.5% | $72.9M-33.4% | $109.5M | — |
| Interest and fees on loans and leases held for investment | $490.1M-0.8% | $494.2M-19.9% | $616.7M+32.5% | $465.4M+146.3% | $189.0M | $0 | $0 | — |
| Interest on loans held for investment at fair value | $72.8M-5.5% | $77.0M+4.0% | $74.1M+138.9% | $31.0M+599.1% | $4.4M-42.3% | $7.7M+596.4% | $1.1M | — |
| Interest on securities available for sale | $223.8M+19.1% | $188.0M+367.2% | $40.2M+149.7% | $16.1M+46.2% | $11.0M-9.1% | $12.1M-15.5% | $14.4M | — |
| Other interest income | $31.9M-43.3% | $56.3M-14.6% | $65.9M+254.8% | $18.6M+1487.9% | $1.2M+11.1% | $1.1M-82.5% | $6.0M | — |
| Total interest income | $961.5M+5.9% | $908.0M+9.0% | $832.6M+49.4% | $557.3M+90.3% | $292.8M | — | $345.3M | — |
| Interest on deposits | $335.7M-9.1% | $369.2M+39.0% | $265.6M+339.3% | $60.5M+736.3% | $7.2M | $0 | $0 | — |
| Other interest expense | $147K-96.9% | $4.7M-10.3% | $5.2M-76.3% | $22.1M+46.2% | $15.1M | — | — | — |
| Total interest expense | $335.9M-10.2% | $373.9M+38.1% | $270.8M+228.2% | $82.5M+3.1% | $80.0M-46.8% | $150.4M-39.2% | $247.3M+164.1% | -$385.6M |
| Net interest income | $625.7M+17.2% | $534.0M-4.9% | $561.8M+18.3% | $474.8M+123.1% | $212.8M | — | — | — |
| Total net revenue | $998.8M+26.9% | $787.0M-9.0% | $864.6M-27.2% | $1.19B+45.0% | $818.6M | — | $758.6M+9.2% | $694.8M |
| Provision for credit losses | $191.3M+7.3% | $178.3M-26.8% | $243.6M-8.9% | $267.3M+92.6% | $138.8M+4004.1% | $3.4M | $0 | — |
| Compensation and benefits | $241.8M+4.2% | $232.2M-11.4% | $261.9M-22.8% | $339.4M+17.7% | $288.4M+14.2% | $252.5M-24.3% | $333.6M | — |
| Marketing | $149.2M+48.6% | $100.4M+7.0% | $93.8M-52.5% | $197.7M+26.6% | $156.1M+203.1% | $51.5M-78.1% | $235.3M | — |
| Equipment and software | $57.0M+11.4% | $51.2M-4.3% | $53.5M+8.7% | $49.2M+24.6% | $39.5M+47.1% | $26.8M+7.7% | $24.9M | — |
| Depreciation and amortization | $62.9M+6.9% | $58.8M+24.7% | $47.2M+7.7% | $43.8M-1.0% | $44.3M-18.0% | $54.0M-8.7% | $59.2M | — |
| Professional services | $42.3M+32.1% | $32.0M-8.9% | $35.2M-30.4% | $50.5M+6.2% | $47.6M+13.9% | $41.8M-2.9% | $43.0M | — |
| Occupancy | $19.8M+25.5% | $15.8M-9.9% | $17.5M-20.2% | $22.0M-9.4% | $24.2M-13.0% | $27.9M-5.1% | $29.4M | — |
| Other non-interest expense | $57.4M+7.9% | $53.2M-7.0% | $57.3M-10.8% | $64.2M+4.8% | $61.3M+28.3% | $47.8M-25.5% | $64.1M | — |
| Total non-interest expense | $630.6M+16.0% | $543.7M-4.0% | $566.4M-26.1% | $766.9M+15.9% | $661.4M+31.7% | $502.3M-36.4% | $789.5M | — |
| Income before income tax expense | $176.9M+171.9% | $65.1M+19.1% | $54.6M-64.3% | $153.0M+729.7% | $18.4M+109.8% | -$187.6M | — | — |
| Income tax expense | -$41.3M-200.4% | -$13.7M+12.4% | -$15.7M-111.5% | $136.6M+100376.5% | $136K+72.2% | $79K-60.7% | $201K+367.4% | $43K |
| Net income | $135.7M+164.3% | $51.3M+31.8% | $38.9M-86.6% | $289.7M+1459.1% | $18.6M+109.9% | -$187.5M-510.0% | -$30.7M | — |
| Basic EPS (in dollars per share) | $1180.00+156.5% | $460.00+27.8% | $360.00-87.1% | $2800.00+1373.7% | $190.00+9278.7% | -$2.07-491.4% | -$0.35 | — |
| Diluted EPS (in dollars per share) | $1160.00+157.8% | $450.00+25.0% | $360.00-87.1% | $2790.00+1450.0% | $180.00+8795.7% | -$2.07 | — | — |
| Weighted-average common shares – basic (in shares) | 114.61B+2.6% | 111.73B+3.0% | 108.47B+4.8% | 103.55B+6.2% | 97.49B+25.1% | 77.93B-10.7% | 87.28B | — |
| Weighted-average common shares – diluted (in shares) | 117.23B+3.6% | 113.12B+4.3% | 108.47B+4.3% | 104.00B+1.8% | 102.15B+31.1% | 77.93B | — | — |
Source: SEC EDGAR XBRL. % change vs prior period shown where available.
Source: SEC EDGAR 10-K and 10-Q filings. Up to 10 years annual / 16 quarters shown.