(LC) LendingClub - Ratings and Ratios
Personal Loans,Auto Loans
LC EPS (Earnings per Share)
LC Revenue
Description: LC LendingClub August 13, 2025
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 | 2,027m |
| Sub-Industry | Consumer Finance |
| IPO / Inception | 2014-12-11 |
LC Stock Ratings
| Growth Rating | 33.8% |
| Fundamental | 48.0% |
| Dividend Rating | - |
| Return 12m vs S&P 500 | 15.0% |
| Analyst Rating | 4.22 of 5 |
LC Dividends
Currently no dividends paidLC Growth Ratios
| Growth Correlation 3m | 36.5% |
| Growth Correlation 12m | 13.2% |
| Growth Correlation 5y | -23.7% |
| CAGR 5y | 25.89% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.46 |
| CAGR/Mean DD 3y (Pain Ratio) | 1.07 |
| Sharpe Ratio 12m | 0.43 |
| Alpha | -9.05 |
| Beta | 2.491 |
| Volatility | 52.70% |
| Current Volume | 4344.4k |
| Average Volume 20d | 1736.5k |
| Stop Loss | 18.1 (-5.5%) |
| Signal | 0.85 |
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income (103.8m TTM) > 0 and > 6% of Revenue (6% = 63.3m TTM) |
| FCFTA -0.19 (>2.0%) and ΔFCFTA 10.58pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 176.4% (prev 426.6%; Δ -250.1pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.18 (>3.0%) and CFO -2.01b <= Net Income 103.8m (YES >=105%, WARN >=100%) |
| Net Debt (-10.6m) to EBITDA (301.6m) ratio: -0.04 <= 3.0 (WARN <= 3.5) |
| Current Ratio 1.98 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (118.2m) change vs 12m ago 3.74% (target <= -2.0% for YES) |
| Gross Margin 69.78% (prev 37.86%; Δ 31.91pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 9.54% (prev 10.53%; Δ -0.99pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.68 (EBITDA TTM 301.6m / Interest Expense TTM 346.5m) >= 6 (WARN >= 3) |
Altman Z'' 1.14
| (A) 0.17 = (Total Current Assets 3.75b - Total Current Liabilities 1.89b) / Total Assets 11.07b |
| (B) -0.02 = Retained Earnings (Balance) -243.4m / Total Assets 11.07b |
| (C) 0.02 = EBIT TTM 234.8m / Avg Total Assets 11.06b |
| (D) -0.03 = Book Value of Equity -259.9m / Total Liabilities 9.61b |
| Total Rating: 1.14 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 48.02
| 1. Piotroski 3.50pt = -1.50 |
| 2. FCF Yield 126.7% = 5.0 |
| 3. FCF Margin data missing |
| 4. Debt/Equity 0.02 = 2.50 |
| 5. Debt/Ebitda -0.04 = 2.50 |
| 6. ROIC - WACC (= -22.91)% = -12.50 |
| 7. RoE 7.45% = 0.62 |
| 8. Rev. Trend -10.74% = -0.81 |
| 9. EPS Trend 44.13% = 2.21 |
What is the price of LC shares?
Over the past week, the price has changed by +11.21%, over one month by +29.30%, over three months by +20.59% and over the past year by +36.79%.
Is LendingClub a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of LC is around 15.60 USD . This means that LC is currently overvalued and has a potential downside of -18.54%.
Is LC a buy, sell or hold?
- 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 | 20.3 | 5.7% |
| Analysts Target Price | 20.3 | 5.7% |
| ValueRay Target Price | 18.4 | -3.9% |
LC Fundamental Data Overview November 05, 2025
P/E Trailing = 19.7528
P/E Forward = 9.8814
P/S = 1.5639
P/B = 1.2216
P/EG = -18.14
Beta = 2.491
Revenue TTM = 1.05b USD
EBIT TTM = 234.8m USD
EBITDA TTM = 301.6m USD
Long Term Debt = 28.5m USD (from capitalLeaseObligations, last fiscal year)
Short Term Debt = 13.7m USD (from shortTermDebt, last fiscal year)
Debt = 28.5m USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -10.6m USD (from netDebt column, last quarter)
Enterprise Value = -1.70b USD (2.03b + Debt 28.5m - CCE 3.75b)
Interest Coverage Ratio = 0.68 (Ebit TTM 234.8m / Interest Expense TTM 346.5m)
FCF Yield = 126.7% (FCF TTM -2.15b / Enterprise Value -1.70b)
FCF Margin = -204.0% (FCF TTM -2.15b / Revenue TTM 1.05b)
Net Margin = 9.85% (Net Income TTM 103.8m / Revenue TTM 1.05b)
Gross Margin = 69.78% ((Revenue TTM 1.05b - Cost of Revenue TTM 318.6m) / Revenue TTM)
Gross Margin QoQ = 28.57% (prev 76.73%)
Tobins Q-Ratio = -0.15 (set to none) (Enterprise Value -1.70b / Total Assets 11.07b)
Interest Expense / Debt = 292.5% (Interest Expense 83.4m / Debt 28.5m)
Taxrate = 22.65% (13.0m / 57.2m)
NOPAT = 181.6m (EBIT 234.8m * (1 - 22.65%))
Current Ratio = 1.98 (Total Current Assets 3.75b / Total Current Liabilities 1.89b)
Debt / Equity = 0.02 (Debt 28.5m / totalStockholderEquity, last quarter 1.46b)
Debt / EBITDA = -0.04 (Net Debt -10.6m / EBITDA 301.6m)
Debt / FCF = 0.00 (negative FCF - burning cash) (Net Debt -10.6m / FCF TTM -2.15b)
Total Stockholder Equity = 1.39b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.94% (Net Income 103.8m / Total Assets 11.07b)
RoE = 7.45% (Net Income TTM 103.8m / Total Stockholder Equity 1.39b)
RoCE = 16.51% (EBIT 234.8m / Capital Employed (Equity 1.39b + L.T.Debt 28.5m))
RoIC = -7.93% (NOPAT 181.6m / Invested Capital -2.29b)
WACC = 14.98% (E(2.03b)/V(2.06b) * Re(15.19%) + (debt cost/tax rate unavailable))
Discount Rate = 15.19% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 3.68%
Fair Price DCF = unknown (Cash Flow -2.15b)
EPS Correlation: 44.13 | EPS CAGR: 27.42% | SUE: 0.94 | # QB: 2
Revenue Correlation: -10.74 | Revenue CAGR: -27.18% | SUE: -1.20 | # QB: 0
Additional Sources for LC Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle