Overview Dividends

(LC) LendingClub - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US52603A2087

Personal Loans,Auto Loans

LC EPS (Earnings per Share)

EPS Growth (3Y CAGR): -7.43%
EPS Trend (3Y Correlation): -15.7%

LC Revenue

Revenue Growth (3Y CAGR): 6.72%
Revenue Trend (3Y Correlation): 0.4%

Description: LC LendingClub

LendingClub Corp (NYSE:LC) is a consumer finance company operating in the United States, listed as common stock. The companys primary business involves facilitating personal loans, credit cards, and other financial products to individuals and small businesses.

To evaluate LendingClubs performance, key performance indicators (KPIs) such as revenue growth, net interest margin, and loan originations are crucial. The companys ability to manage credit risk, operational efficiency, and competitive positioning within the consumer finance industry are also essential drivers of its financial health. Return on Equity (RoE) of 5.43% suggests a relatively modest return for shareholders, indicating potential areas for improvement in capital allocation or profitability.

The valuation multiples, including a Price-to-Earnings (P/E) ratio of 23.42 and a forward P/E of 14.56, imply that the market expects earnings growth. The disparity between the current and forward P/E ratios may indicate anticipated improvements in profitability. Market capitalization stands at approximately $1.72 billion, reflecting the companys size and investor recognition.

Economic drivers influencing LendingClubs business include interest rates, consumer credit demand, regulatory environments, and competition within the fintech and consumer finance sectors. Fluctuations in interest rates can impact the companys net interest income, while changes in consumer behavior and regulatory policies can affect loan demand and credit quality.

LC Stock Overview

Market Cap in USD	1,894m
Sub-Industry	Consumer Finance
IPO / Inception	2014-12-11

LC Stock Ratings

Growth Rating	30.6%
Fundamental	48.0%
Dividend Rating	-
Return 12m vs S&P 500	21.2%
Analyst Rating	4.22 of 5

LC Dividends

Currently no dividends paid

LC Growth Ratios

Growth Correlation 3m	96.5%
Growth Correlation 12m	-11.3%
Growth Correlation 5y	-17.6%
CAGR 5y	26.49%
CAGR/Max DD 5y	0.30
Sharpe Ratio 12m	0.68
Alpha	20.66
Beta	1.661
Volatility	58.41%
Current Volume	1487k
Average Volume 20d	1487k
Stop Loss	16.4 (-4.5%)
Signal	-0.10

Piotroski VR‑10 (Strict, 0-10) 2.5

Net Income (74.0m TTM) > 0 and > 6% of Revenue (6% = 62.2m TTM)

FCFTA -0.25 (>2.0%) and ΔFCFTA -12.47pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 352.3% (prev 387.6%; Δ -35.25pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA -0.21 (>3.0%) and CFO -2.25b <= Net Income 74.0m (YES >=105%, WARN >=100%)

Net Debt (-925.6m) to EBITDA (252.7m) ratio: -3.66 <= 3.0 (WARN <= 3.5)

Current Ratio 2.93 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (115.7m) change vs 12m ago 3.79% (target <= -2.0% for YES)

Gross Margin 49.50% (prev 68.03%; Δ -18.53pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 10.18% (prev 12.04%; Δ -1.86pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.52 (EBITDA TTM 252.7m / Interest Expense TTM 363.3m) >= 6 (WARN >= 3)

Altman Z'' 2.23

(A) 0.34 = (Total Current Assets 5.54b - Total Current Liabilities 1.89b) / Total Assets 10.78b

(B) -0.03 = Retained Earnings (Balance) -287.6m / Total Assets 10.78b

(D) -0.03 = Book Value of Equity -286.5m / Total Liabilities 9.37b

Total Rating: 2.23 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 48.03

1. Piotroski 2.50pt = -2.50

2. FCF Yield -26.11% = -5.0

3. FCF Margin data missing

4. Debt/Equity 6.50 = -2.50

5. Debt/Ebitda 36.15 = -2.50

6. ROIC - WACC 8.43% = 10.54

7. RoE 5.43% = 0.45

8. Rev. Trend 0.39% = 0.02

9. Rev. CAGR 6.72% = 0.84

10. EPS Trend -15.71% = -0.39

11. EPS CAGR -7.43% = -0.93

What is the price of LC shares?

As of August 31, 2025, the stock is trading at USD 17.18 with a total of 1,487,000 shares traded.
Over the past week, the price has changed by +5.33%, over one month by +31.05%, over three months by +69.60% and over the past year by +41.75%.

Is LendingClub a good stock to buy?

No, based on ValueRay´s Fundamental Analyses, LendingClub (NYSE:LC) is currently (August 2025) a stock to sell. It has a ValueRay Fundamental Rating of 48.03 and therefor a negative outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of LC is around 15.50 USD . This means that LC is currently overvalued and has a potential downside of -9.78%.

Is LC a buy, sell or hold?

LendingClub has received a consensus analysts rating of 4.22. Therefore, it is recommended to buy LC.

Strong Buy: 4
Buy: 3
Hold: 2
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the LC price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	18	4.5%
Analysts Target Price	18	4.5%
ValueRay Target Price	16.4	-4.7%

Last update: 2025-08-27 04:42

LC Fundamental Data Overview

Market Cap USD = 1.89b (1.89b USD * 1.0 USD.USD)
CCE Cash And Equivalents = 734.1m USD (last quarter)
P/E Trailing = 25.7969
P/E Forward = 16.0256
P/S = 1.5173
P/B = 1.3473
P/EG = -18.14
Beta = 2.464
Revenue TTM = 1.04b USD
EBIT TTM = 189.5m USD
EBITDA TTM = 252.7m USD
Long Term Debt = unknown (0.0)
Short Term Debt = 9.14b USD (from shortTermDebt, last quarter)
Debt = 9.14b USD (Calculated: Short Term 9.14b + Long Term 0.0)
Net Debt = -925.6m USD (from netDebt column, last fiscal year)
Enterprise Value = 10.30b USD (1.89b + Debt 9.14b - CCE 734.1m)
Interest Coverage Ratio = 0.52 (Ebit TTM 189.5m / Interest Expense TTM 363.3m)
FCF Yield = -26.11% (FCF TTM -2.69b / Enterprise Value 10.30b)
FCF Margin = -259.5% (FCF TTM -2.69b / Revenue TTM 1.04b)
Net Margin = 7.15% (Net Income TTM 74.0m / Revenue TTM 1.04b)
Gross Margin = 49.50% ((Revenue TTM 1.04b - Cost of Revenue TTM 523.2m) / Revenue TTM)
Tobins Q-Ratio = -35.94 (set to none) (Enterprise Value 10.30b / Book Value Of Equity -286.5m)
Interest Expense / Debt = 0.91% (Interest Expense 82.8m / Debt 9.14b)
Taxrate = 21.11% (from yearly Income Tax Expense: 13.7m / 65.1m)
NOPAT = 149.5m (EBIT 189.5m * (1 - 21.11%))
Current Ratio = 2.93 (Total Current Assets 5.54b / Total Current Liabilities 1.89b)
Debt / Equity = 6.50 (Debt 9.14b / last Quarter total Stockholder Equity 1.41b)
Debt / EBITDA = 36.15 (Net Debt -925.6m / EBITDA 252.7m)
Debt / FCF = -3.40 (Debt 9.14b / FCF TTM -2.69b)
Total Stockholder Equity = 1.36b (last 4 quarters mean)
RoA = 0.69% (Net Income 74.0m, Total Assets 10.78b )
RoE = 5.43% (Net Income TTM 74.0m / Total Stockholder Equity 1.36b)
RoCE = 13.89% (Ebit 189.5m / (Equity 1.36b + L.T.Debt 0.0))
RoIC = 11.11% (NOPAT 149.5m / Invested Capital 1.35b)
WACC = 2.68% (E(1.89b)/V(11.03b) * Re(12.14%)) + (D(9.14b)/V(11.03b) * Rd(0.91%) * (1-Tc(0.21)))
Shares Correlation 5-Years: 80.0 | Cagr: 1.71%
Discount Rate = 12.14% (= CAPM, Blume Beta Adj.)
Fair Price DCF = unknown (Cash Flow -2.69b)
Revenue Correlation: 0.39 | Revenue CAGR: 6.72%
Rev Growth-of-Growth: 0.59
EPS Correlation: -15.71 | EPS CAGR: -7.43%
EPS Growth-of-Growth: 102.2

Additional Sources for LC Stock

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