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Vincent Albert Caintic

Managing Director and Specialty Finance Analyst at BTIG

Vincent Albert Caintic is a Managing Director and Specialty Finance Analyst at BTIG, focused on providing research and investment recommendations across consumer and commercial finance companies including Synchrony Financial and Enova International. He holds a consistent track record for actionable price targets and buy ratings, such as setting a $144 target for Enova and maintaining strong positive outlooks on Synchrony. Caintic began his career at Philips Electronics North America as a Financial Analyst before roles at CNA Insurance, Wells Fargo Securities, Morgan Stanley, Macquarie, and Stephens, ultimately joining BTIG where he covers a broad roster of 27 finance firms. He is a CFA charterholder and is regulated by FINRA, validating his professional expertise in securities research.

Vincent Albert Caintic's questions to LendingClub (LC) leadership

Question · Q3 2025

Vincent Albert Caintic asked about the strong demand for LendingClub's marketplace loans, structured certificates, and seasoned portfolio, contrasting it with broader industry concerns about institutional investor appetite for fintech-originated loans, and whether LendingClub's funding mechanisms offer a competitive advantage. He also inquired about credit performance, specifically the 2.9% charge-offs, and any changes in application quality or delinquency evolution in lower credit tiers. Finally, he questioned the optimal level for LendingClub's 18% CET1 ratio.

Answer

CFO Drew LaBenne affirmed strong institutional appetite for LendingClub's asset class, highlighting the importance of track record and LendingClub's position as a partner of choice. CEO Scott Sanborn stated that LendingClub maintains very restrictive underwriting, especially in lower credit tiers, with only 5% of originations from earners below $50,000, and is not observing broad themes of consumer struggle in its portfolio due to disciplined underwriting. Drew LaBenne indicated that excess capital is primarily for balance sheet growth, with other options considered if that goal is met.

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