Overview Dividends

(LC) LendingClub - Ratings and Ratios

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

Personal Loans, Auto Refinance, Deposit Accounts, Marketplace Platform

LC EPS (Earnings per Share)

EPS Growth (3Y CAGR): 27.42%
EPS Trend (3Y Correlation): 44.1%

LC Revenue

Revenue Growth (3Y CAGR): -27.18%
Revenue Trend (3Y Correlation): -10.7%

Risk via 10d forecast
Volatility	55.2%
Value at Risk 5%th	77.3%

Reward
Sharpe Ratio	0.53
Alpha Jensen	-9.37

Character
Hurst Exponent	0.445
Beta	2.491

Drawdowns 3y
Max DD	53.87%
Mean DD	22.03%

Description: LC LendingClub November 12, 2025

LendingClub Corp. (NYSE:LC) is a U.S.-based bank holding company that offers both deposit and loan products. Its deposit suite includes savings, checking, and certificates of deposit, while its loan portfolio spans unsecured personal loans, secured auto-refinance, patient and education financing, as well as small-business credit. The firm also runs a digital lending marketplace that connects borrowers with investors, and it has been operating since its 2006 incorporation out of San Francisco.

As of Q3 2024, LendingClub reported a net interest margin of roughly 3.2% and a loan-originations growth rate of 12% year-over-year, driven largely by rising consumer demand for unsecured credit amid a still-tight labor market. However, its credit loss ratio has edged higher to 2.1% as interest-rate hikes increase borrowing costs and stress borrower repayment capacity. The broader consumer-finance sector remains sensitive to Federal Reserve policy, with higher rates typically dampening loan demand but also expanding net-interest income for banks that can maintain asset quality.

For a deeper, data-rich assessment of LendingClub’s valuation and risk profile, you may find the analytics on ValueRay useful as a next step in your research.

LC Stock Overview

Market Cap in USD	2,027m
Sub-Industry	Consumer Finance
IPO / Inception	2014-12-11
Return 12m vs S&P 500	2.20%
Analyst Rating	4.22 of 5

LC Dividends

Currently no dividends paid

LC Growth Ratios

CAGR	20.34%
CAGR/Max DD Calmar Ratio	0.38
CAGR/Mean DD Pain Ratio	0.92
Current Volume	971.2k
Average Volume	1915.6k

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

(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?

As of November 13, 2025, the stock is trading at USD 18.57 with a total of 971,185 shares traded.
Over the past week, the price has changed by -3.03%, over one month by +21.14%, over three months by +20.12% and over the past year by +18.43%.

Is LendingClub a good stock to buy?

No, based on ValueRay´s Fundamental Analyses, LendingClub (NYSE:LC) is currently (November 2025) a stock to sell. It has a ValueRay Fundamental Rating of 48.02 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 16.60 USD . This means that LC is currently overvalued and has a potential downside of -10.61%.

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	20.3	9%
Analysts Target Price	20.3	9%
ValueRay Target Price	19.6	5.4%

LC Fundamental Data Overview November 05, 2025

Market Cap USD = 2.03b (2.03b USD * 1.0 USD.USD)
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

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