(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 (Earnings per Share) of LC over the last years for every Quarter: "2020-09": -0.25, "2020-12": -0.24, "2021-03": -0.49, "2021-06": 0.09, "2021-09": 0.26, "2021-12": 0.27, "2022-03": 0.39, "2022-06": 0.45, "2022-09": 0.36, "2022-12": 0.19, "2023-03": 0.13, "2023-06": 0.09, "2023-09": 0.05, "2023-12": 0.09, "2024-03": 0.11, "2024-06": 0.13, "2024-09": 0.13, "2024-12": 0.08, "2025-03": 0.1, "2025-06": 0.33,

LC Revenue

Revenue of LC over the last years for every Quarter: 2020-09: 68.631, 2020-12: 59.14, 2021-03: 102.548, 2021-06: 200.141, 2021-09: 241.9, 2021-12: 257.827, 2022-03: 284.013, 2022-06: 324.388, 2022-09: 300.303, 2022-12: 257.84, 2023-03: 240.727, 2023-06: 229.99, 2023-09: 197.919, 2023-12: 316.34, 2024-03: 265.151, 2024-06: 278.347, 2024-09: 302.017, 2024-12: 315.413, 2025-03: 299.813, 2025-06: 331.283,

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 1,918m
Sub-Industry Consumer Finance
IPO / Inception 2014-12-11

LC Stock Ratings

Growth Rating 20.9%
Fundamental 50.0%
Dividend Rating -
Return 12m vs S&P 500 15.0%
Analyst Rating 4.22 of 5

LC Dividends

Currently no dividends paid

LC Growth Ratios

Growth Correlation 3m 22%
Growth Correlation 12m 3.1%
Growth Correlation 5y -22.8%
CAGR 5y 12.44%
CAGR/Max DD 3y (Calmar Ratio) 0.22
CAGR/Mean DD 3y (Pain Ratio) 0.49
Sharpe Ratio 12m 0.43
Alpha -2.37
Beta 2.491
Volatility 55.18%
Current Volume 3717.7k
Average Volume 20d 1446.7k
Stop Loss 15.7 (-5%)
Signal -0.15

Piotroski VR‑10 (Strict, 0-10) 3.0

Net Income (74.0m TTM) > 0 and > 6% of Revenue (6% = 74.9m TTM)
FCFTA -0.19 (>2.0%) and ΔFCFTA 12.26pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)
NWC/Revenue -669.7% (prev 422.8%; Δ -1092 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)
CFO/TA -0.18 (>3.0%) and CFO -1.91b <= Net Income 74.0m (YES >=105%, WARN >=100%)
Net Debt (-730.2m) to EBITDA (244.2m) ratio: -2.99 <= 3.0 (WARN <= 3.5)
Current Ratio 0.09 (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 62.30% (prev 45.77%; Δ 16.54pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)
Asset Turnover 12.26% (prev 11.03%; Δ 1.23pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)
Interest Coverage Ratio 0.50 (EBITDA TTM 244.2m / Interest Expense TTM 363.3m) >= 6 (WARN >= 3)

Altman Z'' -5.09

(A) -0.78 = (Total Current Assets 842.4m - Total Current Liabilities 9.20b) / Total Assets 10.78b
(B) -0.03 = Retained Earnings (Balance) -287.6m / Total Assets 10.78b
(C) 0.02 = EBIT TTM 180.9m / Avg Total Assets 10.18b
(D) -0.03 = Book Value of Equity -312.5m / Total Liabilities 9.37b
Total Rating: -5.09 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 50.01

1. Piotroski 3.0pt = -2.0
2. FCF Yield data missing
3. FCF Margin data missing
4. Debt/Equity 0.02 = 2.50
5. Debt/Ebitda -2.99 = 2.50
6. ROIC - WACC (= -5.51)% = -6.88
7. RoE 5.43% = 0.45
8. Rev. Trend 53.55% = 4.02
9. EPS Trend -11.58% = -0.58

What is the price of LC shares?

As of October 23, 2025, the stock is trading at USD 16.52 with a total of 3,717,700 shares traded.
Over the past week, the price has changed by +0.06%, over one month by -6.51%, over three months by +27.37% and over the past year by +33.23%.

Is LendingClub a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, LendingClub is currently (October 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 50.01 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of LC is around 13.71 USD . This means that LC is currently overvalued and has a potential downside of -17.01%.

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 18.7 12.9%
Analysts Target Price 18.7 12.9%
ValueRay Target Price 16.2 -2.1%

Last update: 2025-10-23 02:28

LC Fundamental Data Overview

Market Cap USD = 1.92b (1.92b USD * 1.0 USD.USD)
P/E Trailing = 26.125
P/E Forward = 9.8814
P/S = 1.5366
P/B = 1.2216
P/EG = -18.14
Beta = 2.491
Revenue TTM = 1.25b USD
EBIT TTM = 180.9m USD
EBITDA TTM = 244.2m USD
Long Term Debt = 22.4m USD (from capitalLeaseObligations, last quarter)
Short Term Debt = 6.99m USD (from shortTermDebt, last quarter)
Debt = 22.4m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -730.2m USD (from netDebt column, last quarter)
Enterprise Value = 1.21b USD (1.92b + Debt 22.4m - CCE 734.1m)
Interest Coverage Ratio = 0.50 (Ebit TTM 180.9m / Interest Expense TTM 363.3m)
FCF Yield = -169.1% (FCF TTM -2.04b / Enterprise Value 1.21b)
FCF Margin = -163.5% (FCF TTM -2.04b / Revenue TTM 1.25b)
Net Margin = 5.93% (Net Income TTM 74.0m / Revenue TTM 1.25b)
Gross Margin = 62.30% ((Revenue TTM 1.25b - Cost of Revenue TTM 470.7m) / Revenue TTM)
Gross Margin QoQ = 76.73% (prev 56.25%)
Tobins Q-Ratio = 0.11 (Enterprise Value 1.21b / Total Assets 10.78b)
Interest Expense / Debt = 370.0% (Interest Expense 82.8m / Debt 22.4m)
Taxrate = 29.28% (15.8m / 54.0m)
NOPAT = 127.9m (EBIT 180.9m * (1 - 29.28%))
Current Ratio = 0.09 (Total Current Assets 842.4m / Total Current Liabilities 9.20b)
Debt / Equity = 0.02 (Debt 22.4m / totalStockholderEquity, last quarter 1.41b)
Debt / EBITDA = -2.99 (Net Debt -730.2m / EBITDA 244.2m)
Debt / FCF = 0.36 (negative FCF - burning cash) (Net Debt -730.2m / FCF TTM -2.04b)
Total Stockholder Equity = 1.36b (last 4 quarters mean from totalStockholderEquity)
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 = 13.05% (EBIT 180.9m / Capital Employed (Equity 1.36b + L.T.Debt 22.4m))
RoIC = 9.51% (NOPAT 127.9m / Invested Capital 1.35b)
WACC = 15.01% (E(1.92b)/V(1.94b) * Re(15.19%) + (debt cost/tax rate unavailable))
Discount Rate = 15.19% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 2.58%
Fair Price DCF = unknown (Cash Flow -2.04b)
EPS Correlation: -11.58 | EPS CAGR: -3.11% | SUE: 4.0 | # QB: 1
Revenue Correlation: 53.55 | Revenue CAGR: 3.63% | SUE: 0.78 | # QB: 0

Additional Sources for LC Stock

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