(LC) LendingClub - Overview

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

Stock: Savings, Checking, Certificates, Personal Loans, Auto Loans

Total Rating 29

Risk 68

Buy Signal -0.04

Banks - Regional » Consumer Finance
Age: 11.1y

Market Cap: 1,912m
Avg Trading Vol: 36.0M USD

ATR: 6.12%
Peers RS (IBD): 75.68

EPS (Earnings per Share)

EPS CAGR: -2.84%
EPS Trend: -9.4%

Last SUE: 0.18
Qual. Beats: 0

Revenue

Rev. CAGR: -24.45%
Rev. Trend: -36.9%

Last SUE: -4.00
Qual. Beats: 0

Risk 5d forecast
Volatility	77.8%
Relative Tail Risk	-13.2%

Reward TTM
Sharpe Ratio	0.51
Alpha	-9.75

Character TTM
Beta	1.873
Beta Downside	1.981

Drawdowns 3y
Max DD	53.53%
CAGR/Max DD	0.35

Description: LC LendingClub January 15, 2026

LendingClub Corp. (NYSE:LC) is a U.S. bank-holding company that offers a suite of deposit and loan products-including savings, checking, CDs, unsecured personal loans, auto-refinance, student and patient financing, as well as small-business loans-while also operating a digital lending marketplace. Founded in 2006 and based in San Francisco, the firm positions itself as a technology-enabled consumer-finance platform.

Key metrics as of Q4 2024 show total assets of roughly $23 billion, a net interest margin (NIM) near 3.2 %, and loan portfolio growth of about 12 % year-over-year, driven largely by rising consumer credit demand and a low-rate environment. However, tightening monetary policy and higher delinquency rates in the unsecured personal-loan segment are emerging risk factors that could compress margins and affect credit quality.

If you’re looking for a deeper quantitative assessment, ValueRay’s detailed valuation models for LC can help you test these assumptions and gauge upside potential.

Piotroski VR‑10 (Strict, 0-10) 4.0

Net Income: 135.7m TTM > 0 and > 6% of Revenue
FCF/TA: -0.19 > 0.02 and ΔFCF/TA 12.56 > 1.0
NWC/Revenue: -530.5% < 20% (prev 135.7%; Δ -666.2% < -1%)
CFO/TA -0.17 > 3% & CFO -2.01b > Net Income 135.7m
Net Debt (-11.7m) to EBITDA (393.4m): -0.03 < 3
Current Ratio: 0.39 > 1.5 & < 3
Outstanding Shares: last quarter (118.9m) vs 12m ago 2.11% < -2%
Gross Margin: 57.49% > 18% (prev 0.52%; Δ 5697 % > 0.5%)
Asset Turnover: 9.77% > 50% (prev 10.92%; Δ -1.15% > 0%)
Interest Coverage Ratio: 0.98 > 6 (EBITDA TTM 393.4m / Interest Expense TTM 335.9m)

Altman Z'' -3.14

A: -0.50 (Total Current Assets 3.72b - Total Current Liabilities 9.47b) / Total Assets 11.57b
B: -0.02 (Retained Earnings -201.8m / Total Assets 11.57b)
C: 0.03 (EBIT TTM 329.7m / Avg Total Assets 11.10b)
D: -0.02 (Book Value of Equity -218.8m / Total Liabilities 10.07b)
Altman-Z'' Score: -3.14 = D

What is the price of LC shares?

As of February 01, 2026, the stock is trading at USD 16.91 with a total of 5,334,872 shares traded.
Over the past week, the price has changed by -19.67%, over one month by -12.20%, over three months by +0.42% and over the past year by +18.42%.

Is LC a buy, sell or hold?

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

StrongBuy: 4
Buy: 3
Hold: 2
Sell: 0
StrongSell: 0

What are the forecasts/targets for the LC price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	24.2	43.1%
Analysts Target Price	24.2	43.1%
ValueRay Target Price	16.9	-0.1%

LC Fundamental Data Overview January 31, 2026

P/E Trailing = 14.2888
P/E Forward = 8.0972
P/S = 1.4327
P/B = 1.2641
P/EG = -18.14
Revenue TTM = 1.08b USD
EBIT TTM = 329.7m USD
EBITDA TTM = 393.4m USD
Long Term Debt = unknown (none)
Short Term Debt = 3.50m USD (from shortTermDebt, two quarters ago)
Debt = 68.8m USD (from shortLongTermDebtTotal, two quarters ago)
Net Debt = -11.7m USD (from netDebt column, last quarter)
Enterprise Value = -1.74b USD (1.91b + Debt 68.8m - CCE 3.72b)
Interest Coverage Ratio = 0.98 (Ebit TTM 329.7m / Interest Expense TTM 335.9m)
EV/FCF = 0.81x (Enterprise Value -1.74b / FCF TTM -2.15b)
FCF Yield = 123.8% (FCF TTM -2.15b / Enterprise Value -1.74b)
FCF Margin = -198.4% (FCF TTM -2.15b / Revenue TTM 1.08b)
Net Margin = 12.51% (Net Income TTM 135.7m / Revenue TTM 1.08b)
Gross Margin = 57.49% ((Revenue TTM 1.08b - Cost of Revenue TTM 460.9m) / Revenue TTM)
Gross Margin QoQ = 25.13% (prev 62.92%)
Tobins Q-Ratio = -0.15 (set to none) (Enterprise Value -1.74b / Total Assets 11.57b)
Interest Expense / Debt = 127.3% (Interest Expense 87.6m / Debt 68.8m)
Taxrate = 21.0% (US default 21%)
NOPAT = 260.4m (EBIT 329.7m * (1 - 21.00%))
Current Ratio = 0.39 (Total Current Assets 3.72b / Total Current Liabilities 9.47b)
Debt / Equity = 0.05 (Debt 68.8m / totalStockholderEquity, last quarter 1.50b)
Debt / EBITDA = -0.03 (Net Debt -11.7m / EBITDA 393.4m)
Debt / FCF = 0.01 (negative FCF - burning cash) (Net Debt -11.7m / FCF TTM -2.15b)
Total Stockholder Equity = 1.43b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.22% (Net Income 135.7m / Total Assets 11.57b)
RoE = 9.47% (Net Income TTM 135.7m / Total Stockholder Equity 1.43b)
RoCE = 15.71% (EBIT 329.7m / Capital Employed (Total Assets 11.57b - Current Liab 9.47b))
RoIC = -20.35% (EBIT 329.7m / (Assets 11.57b - Curr.Liab 9.47b - Cash 3.72b))
WACC = 12.37% (E(1.91b)/V(1.98b) * Re(12.82%) + (debt cost/tax rate unavailable))
Discount Rate = 12.82% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 3.97%
Fair Price DCF = unknown (Cash Flow -2.15b)
EPS Correlation: -9.40 | EPS CAGR: -2.84% | SUE: 0.18 | # QB: 0
Revenue Correlation: -36.89 | Revenue CAGR: -24.45% | SUE: -4.0 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.36 | Chg30d=+0.057 | Revisions Net=+2 | Analysts=6
EPS current Year (2026-12-31): EPS=1.72 | Chg30d=+0.102 | Revisions Net=+1 | Growth EPS=+48.7% | Growth Revenue=+5.8%
EPS next Year (2027-12-31): EPS=2.32 | Chg30d=+0.108 | Revisions Net=+2 | Growth EPS=+34.6% | Growth Revenue=+17.8%

Additional Sources for LC Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Fund Manager Positions: Dataroma | Stockcircle