(LC) LendingClub - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 1.807m USD | Total Return: 56.1% in 12m
Avg Turnover: 29.9M
EPS Trend: 66.2%
Qual. Beats: 1
Rev. Trend: 68.5%
Qual. Beats: 0
Warnings
Choppy Below Avwap Earnings
Tailwinds
No distinct edge detected
LendingClub Corporation (NYSE: LC) is a San Francisco-based bank holding company that operates a digital lending marketplace. The firm offers a diverse suite of financial products, including unsecured consumer loans, auto refinancing, and commercial lending, alongside traditional deposit services such as savings and checking accounts.
As a leader in the fintech-bank hybrid model, LendingClub utilizes a marketplace structure that connects borrowers with institutional and individual investors. This business model allows the company to generate non-interest income through marketplace fees while simultaneously earning interest income on loans held on its own balance sheet. In the broader Consumer Finance sector, firms increasingly leverage automated underwriting and alternative data to price credit risk more efficiently than traditional legacy banks.
For a deeper dive into these financial metrics, consider exploring the data available on ValueRay.
- Marketplace loan volume sensitivity to Federal Reserve interest rate policy
- Growth in net interest income from retained consumer loan portfolios
- Credit performance of unsecured personal loans during economic softening
- Shift toward asset-light marketplace revenue through structured certificate programs
- Regulatory capital requirements impacting balance sheet expansion and leverage limits
| Net Income: 175.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.26 > 0.02 and ΔFCF/TA -5.64 > 1.0 |
| NWC/Revenue: -726.9% < 20% (prev -671.0%; Δ -55.88% < -1%) |
| CFO/TA -0.25 > 3% & CFO -3.01b > Net Income 175.6m |
| Net Debt (-792.4m) to EBITDA (264.5m): -3.00 < 3 |
| Current Ratio: 0.08 > 1.5 & < 3 |
| Outstanding Shares: last quarter (117.3m) vs 12m ago 1.00% < -2% |
| Gross Margin: 67.23% > 18% (prev 0.52%; Δ 6.67k% > 0.5%) |
| Asset Turnover: 11.56% > 50% (prev 11.40%; Δ 0.16% > 0%) |
| Interest Coverage Ratio: 0.59 > 6 (EBITDA TTM 264.5m / Interest Expense TTM 338.7m) |
| A: -0.79 (Total Current Assets 869.8m - Total Current Liabilities 10.3b) / Total Assets 11.9b |
| B: -0.01 (Retained Earnings -150.2m / Total Assets 11.9b) |
| C: 0.02 (EBIT TTM 199.7m / Avg Total Assets 11.2b) |
| D: -0.02 (Book Value of Equity -177.8m / Total Liabilities 10.4b) |
| Altman-Z'' = -5.12 = D |
| DSRI: 1.05 (Receivables 45.0m/39.5m, Revenue 1.30b/1.20b) |
| GMI: 0.77 (GM 67.23% / 51.82%) |
| AQI: 1.01 (AQ_t 0.90 / AQ_t-1 0.89) |
| SGI: 1.08 (Revenue 1.30b / 1.20b) |
| TATA: 0.27 (NI 175.6m - CFO -3.01b) / TA 11.9b) |
| Beneish M = -2.85 (Cap -4..+1) = A |
As of May 24, 2026, the stock is trading at USD 15.76 with a total of 844,449 shares traded.
Over the past week, the price has changed by +0.26%,
over one month by -12.09%,
over three months by +5.97% and
over the past year by +56.14%.
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
| Analysts Target Price | 23.1 | 46.3% |
P/E Forward = 9.5057
P/S = 1.3169
P/B = 1.2599
P/EG = -18.14
Revenue TTM = 1.30b USD
EBIT TTM = 199.7m USD
EBITDA TTM = 264.5m USD
Long Term Debt = unknown (none)
Short Term Debt = 7.97m USD (from shortTermDebt, last fiscal year)
Debt = 12.5m USD (from shortLongTermDebtTotal, last quarter) (leases 12.5m already included)
Net Debt = -792.4m USD (calculated: Debt 12.5m - CCE 804.9m)
Enterprise Value = 1.01b USD (1.81b + Debt 12.5m - CCE 804.9m)
Interest Coverage Ratio = 0.59 (Ebit TTM 199.7m / Interest Expense TTM 338.7m)
EV/FCF = -0.32x (Enterprise Value 1.01b / FCF TTM -3.16b)
FCF Yield = -311.4% (FCF TTM -3.16b / Enterprise Value 1.01b)
FCF Margin = -243.8% (FCF TTM -3.16b / Revenue TTM 1.30b)
Net Margin = 13.55% (Net Income TTM 175.6m / Revenue TTM 1.30b)
Gross Margin = 67.23% ((Revenue TTM 1.30b - Cost of Revenue TTM 424.8m) / Revenue TTM)
Gross Margin QoQ = 67.47% (prev 75.27%)
Tobins Q-Ratio = 0.08 (Enterprise Value 1.01b / Total Assets 11.9b)
Interest Expense / Debt = 2.71k% (Interest Expense 338.7m / Debt 12.5m)
Taxrate = 23.36% (15.7m / 67.3m)
NOPAT = 153.1m (EBIT 199.7m * (1 - 23.36%))
Current Ratio = 0.08 (Total Current Assets 869.8m / Total Current Liabilities 10.3b)
Debt / Equity = 0.01 (Debt 12.5m / totalStockholderEquity, last quarter 1.52b)
Debt / EBITDA = -3.00 (Net Debt -792.4m / EBITDA 264.5m)
Debt / FCF = 0.25 (negative FCF - burning cash) (Net Debt -792.4m / FCF TTM -3.16b)
Total Stockholder Equity = 1.47b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.57% (Net Income 175.6m / Total Assets 11.9b)
RoE = 10.82% (Net Income TTM 175.6m / Total Stockholder Equity 1.62b)
RoCE = 12.12% (EBIT 199.7m / Capital Employed (Total Assets 11.9b - Current Liab 10.3b))
RoIC = 10.90% (NOPAT 153.1m / Invested Capital 1.40b)
WACC = 12.90% (E(1.81b)/V(1.82b) * Re(12.99%) + (debt cost/tax rate unavailable))
Discount Rate = 12.99% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 77.78 | Cagr: 2.93%
[DCF] Fair Price = unknown (Cash Flow -3.16b)
EPS Correlation: 66.21 | EPS CAGR: 42.54% | SUE: 1.66 | # QB: 1
Revenue Correlation: 68.48 | Revenue CAGR: 5.23% | SUE: 0.10 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.42 | Chg30d=+0.05% | Revisions=+27% | Analysts=7
EPS next Quarter (2026-09-30): EPS=0.44 | Chg30d=-5.57% | Revisions=-64% | Analysts=7
EPS current Year (2026-12-31): EPS=1.75 | Chg30d=+0.80% | Revisions=+20% | GrowthEPS=+50.4% | GrowthRev=+6.0%
EPS next Year (2027-12-31): EPS=2.30 | Chg30d=-1.47% | Revisions=+11% | GrowthEPS=+31.8% | GrowthRev=+14.5%
[Analyst] Revisions Ratio: -64%