(LC) LendingClub - Ratings and Ratios

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

Savings, Checking, Certificates, Personal Loans, Auto Loans

Stock: Consumer Finance
Age 11.1y

MCap 2,387m
Avg Vol 1.43M (29.3M USD)

Beta 1.880
Volatility 55.77%

EPS (Earnings per Share)

EPS CAGR: -59.98%
EPS Trend: -39.1%

Last SUE: -4.00
Qual. Beats: 0

Revenue

Rev. CAGR: 6.88%
Rev. Trend: 26.7%

Last SUE: 0.82
Qual. Beats: 0

Dividends

Currently no dividends paid

Risk via 5d forecast
Volatility	55.8%
Value at Risk 5%th	77.7%
Relative Tail Risk	-15.37%

Reward TTM
Sharpe Ratio	0.59
Alpha	-1.40
CAGR/Max DD	0.55

Character TTM
Hurst Exponent	0.522
Beta	1.880
Beta Downside	2.059

Drawdowns 3y
Max DD	53.53%
Mean DD	20.94%
Median DD	19.67%

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) 3.5

Net Income: 103.8m TTM > 0 and > 6% of Revenue
FCF/TA: -0.19 > 0.02 and ΔFCF/TA 10.58 > 1.0
NWC/Revenue: 143.5% < 20% (prev 443.2%; Δ -299.7% < -1%)
CFO/TA -0.18 > 3% & CFO -2.01b > Net Income 103.8m
Net Debt (-10.6m) to EBITDA (281.4m): -0.04 < 3
Current Ratio: 1.98 > 1.5 & < 3
Outstanding Shares: last quarter (118.2m) vs 12m ago 3.74% < -2%
Gross Margin: 57.96% > 18% (prev 0.54%; Δ 5742 % > 0.5%)
Asset Turnover: 11.72% > 50% (prev 10.13%; Δ 1.59% > 0%)
Interest Coverage Ratio: 0.64 > 6 (EBITDA TTM 281.4m / Interest Expense TTM 346.5m)

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 -243.4m / Total Assets 11.07b)
C: 0.02 (EBIT TTM 220.1m / Avg Total Assets 11.06b)
D: -0.03 (Book Value of Equity -259.9m / Total Liabilities 9.61b)
Altman-Z'' Score: 1.14 = BB

Beneish M -3.11

DSRI: 0.30 (Receivables 41.1m/118.3m, Revenue 1.30b/1.12b)
GMI: 0.94 (GM 57.96% / 54.44%)
AQI: 1.40 (AQ_t 0.64 / AQ_t-1 0.45)
SGI: 1.16 (Revenue 1.30b / 1.12b)
TATA: 0.19 (NI 103.8m - CFO -2.01b) / TA 11.07b)
Beneish M-Score: -3.11 = AA

ValueRay F-Score (Strict, 0-100) 66.67

1. Piotroski: 3.50pt
2. FCF Yield: data missing
3. FCF Margin: data missing
4. Debt/Equity: 0.02
5. Debt/Ebitda: -0.04
6. ROIC - WACC: 12.58%
7. RoE: 7.45%
8. Revenue Trend: 26.67%
9. EPS Trend: -39.07%

What is the price of LC shares?

As of January 25, 2026, the stock is trading at USD 21.05 with a total of 1,822,088 shares traded.
Over the past week, the price has changed by +1.69%, over one month by +7.07%, over three months by +15.34% and over the past year by +24.26%.

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	23.5	11.6%
Analysts Target Price	23.5	11.6%
ValueRay Target Price	22.5	6.7%

LC Fundamental Data Overview January 21, 2026

P/E Trailing = 23.2584
P/E Forward = 10.1937
P/S = 1.8415
P/B = 1.6323
P/EG = -18.14
Revenue TTM = 1.30b USD
EBIT TTM = 220.1m USD
EBITDA TTM = 281.4m USD
Long Term Debt = 19.1m USD (from capitalLeaseObligations, last quarter)
Short Term Debt = 9.42b USD (from shortTermDebt, last quarter)
Debt = 28.5m USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -10.6m USD (from netDebt column, last quarter)
Enterprise Value = 1.60b USD (2.39b + Debt 28.5m - CCE 816.8m)
Interest Coverage Ratio = 0.64 (Ebit TTM 220.1m / Interest Expense TTM 346.5m)
EV/FCF = -0.74x (Enterprise Value 1.60b / FCF TTM -2.15b)
FCF Yield = -134.5% (FCF TTM -2.15b / Enterprise Value 1.60b)
FCF Margin = -165.9% (FCF TTM -2.15b / Revenue TTM 1.30b)
Net Margin = 8.01% (Net Income TTM 103.8m / Revenue TTM 1.30b)
Gross Margin = 57.96% ((Revenue TTM 1.30b - Cost of Revenue TTM 544.9m) / Revenue TTM)
Gross Margin QoQ = 62.92% (prev 63.00%)
Tobins Q-Ratio = 0.14 (Enterprise Value 1.60b / Total Assets 11.07b)
Interest Expense / Debt = 292.5% (Interest Expense 83.4m / Debt 28.5m)
Taxrate = 22.65% (13.0m / 57.2m)
NOPAT = 170.3m (EBIT 220.1m * (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 281.4m)
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 = 15.58% (EBIT 220.1m / Capital Employed (Equity 1.39b + L.T.Debt 19.1m))
RoIC = 25.26% (NOPAT 170.3m / Invested Capital 674.0m)
WACC = 12.69% (E(2.39b)/V(2.42b) * Re(12.84%) + (debt cost/tax rate unavailable))
Discount Rate = 12.84% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 3.68%
Fair Price DCF = unknown (Cash Flow -2.15b)
EPS Correlation: -39.07 | EPS CAGR: -59.98% | SUE: -4.0 | # QB: 0
Revenue Correlation: 26.67 | Revenue CAGR: 6.88% | SUE: 0.82 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.32 | Chg30d=+0.013 | Revisions Net=+2 | Analysts=9
EPS next Year (2026-12-31): EPS=1.64 | Chg30d=+0.057 | Revisions Net=+2 | Growth EPS=+42.4% | Growth Revenue=+15.9%

Additional Sources for LC Stock

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