(LC) LendingClub - Overview
Sector: Financial ServicesIndustry: Banks - Regional | Exchange NYSE (USA) | Currency USD | Market Cap: 1.685m | Total Return 28.3% in 12m
Stock: Loans, Accounts, Marketplace, Finance
Total Rating 54
Risk 75
Buy Signal -0.48
| Risk 5d forecast | |
|---|---|
| Volatility | 59.4% |
| Relative Tail Risk | -11.5% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.64 |
| Alpha | 3.54 |
| Character TTM | |
|---|---|
| Beta | 1.970 |
| Beta Downside | 2.853 |
| Drawdowns 3y | |
|---|---|
| Max DD | 53.53% |
| CAGR/Max DD | 0.50 |
EPS (Earnings per Share)
Revenue
Risks
Technicals:
choppy
Description: LC LendingClub March 04, 2026
LendingClub Corporation (LC) is a US-based bank holding company offering various financial products. These include deposit accounts (savings, checking, CDs) and a range of loans.
The company provides patient and education finance loans, as well as commercial loans for small businesses. A key aspect of its business model is consumer lending, encompassing unsecured, fixed-rate, and fixed-term loans, along with secured auto refinance options. The consumer finance sector has seen significant growth in digital lending platforms.
LendingClub also operates a lending marketplace platform, connecting borrowers with investors. This marketplace model is common in financial technology. For further insights into LCs performance and market position, consider exploring ValueRay.
Headlines to watch out for
- Consumer loan demand impacts revenue growth
- Interest rate changes affect net interest margin
- Regulatory scrutiny on lending practices poses risk
- Competition from traditional banks and fintechs intensifies
- Economic downturns increase loan defaults
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income: 135.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.25 > 0.02 and ΔFCF/TA 0.50 > 1.0 |
| NWC/Revenue: 278.0% < 20% (prev 135.7%; Δ 142.3% < -1%) |
| CFO/TA -0.24 > 3% & CFO -2.73b > Net Income 135.7m |
| Net Debt (4.08m) to EBITDA (287.0m): 0.01 < 3 |
| Current Ratio: 466.4 > 1.5 & < 3 |
| Outstanding Shares: last quarter (118.9m) vs 12m ago 2.11% < -2% |
| Gross Margin: 64.03% > 18% (prev 0.52%; Δ 6.35k% > 0.5%) |
| Asset Turnover: 12.03% > 50% (prev 10.92%; Δ 1.10% > 0%) |
| Interest Coverage Ratio: 0.67 > 6 (EBITDA TTM 287.0m / Interest Expense TTM 335.9m) |
Altman Z'' 2.16
| A: 0.32 (Total Current Assets 3.72b - Total Current Liabilities 7.97m) / Total Assets 11.57b |
| B: -0.02 (Retained Earnings -201.8m / Total Assets 11.57b) |
| C: 0.02 (EBIT TTM 224.1m / Avg Total Assets 11.10b) |
| D: -0.02 (Book Value of Equity -218.8m / Total Liabilities 10.07b) |
| Altman-Z'' Score: 2.16 = BBB |
Beneish M -3.35
| DSRI: 0.37 (Receivables 43.9m/104.6m, Revenue 1.33b/1.16b) |
| GMI: 0.82 (GM 64.03% / 52.44%) |
| AQI: 1.00 (AQ_t 0.66 / AQ_t-1 0.66) |
| SGI: 1.15 (Revenue 1.33b / 1.16b) |
| TATA: 0.25 (NI 135.7m - CFO -2.73b) / TA 11.57b) |
| Beneish M-Score: -3.35 (Cap -4..+1) = AA |
What is the price of LC shares?
As of March 27, 2026, the stock is trading at USD 14.39 with a total of 639,696 shares traded.
Over the past week, the price has changed by +3.90%, over one month by -13.94%, over three months by -26.73% and over the past year by +28.25%.
Over the past week, the price has changed by +3.90%, over one month by -13.94%, over three months by -26.73% and over the past year by +28.25%.
Is LC a buy, sell or hold?
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
What are the forecasts/targets for the LC price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 24.2 | 68.2% |
| Analysts Target Price | 24.2 | 68.2% |
LC Fundamental Data Overview March 26, 2026
P/E Trailing = 12.5948
P/E Forward = 7.764
P/S = 1.2621
P/B = 1.0732
P/EG = -18.14
Revenue TTM = 1.33b USD
EBIT TTM = 224.1m USD
EBITDA TTM = 287.0m USD
Long Term Debt = 15.8m USD (from capitalLeaseObligations, last quarter)
Short Term Debt = 7.97m USD (from shortTermDebt, last quarter)
Debt = 15.8m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 4.08m USD (from netDebt column, last quarter)
Enterprise Value = 794.5m USD (1.68b + Debt 15.8m - CCE 905.9m)
Interest Coverage Ratio = 0.67 (Ebit TTM 224.1m / Interest Expense TTM 335.9m)
EV/FCF = -0.28x (Enterprise Value 794.5m / FCF TTM -2.87b)
FCF Yield = -360.9% (FCF TTM -2.87b / Enterprise Value 794.5m)
FCF Margin = -214.8% (FCF TTM -2.87b / Revenue TTM 1.33b)
Net Margin = 10.17% (Net Income TTM 135.7m / Revenue TTM 1.33b)
Gross Margin = 64.03% ((Revenue TTM 1.33b - Cost of Revenue TTM 480.0m) / Revenue TTM)
Gross Margin QoQ = 75.27% (prev 62.92%)
Tobins Q-Ratio = 0.07 (Enterprise Value 794.5m / Total Assets 11.57b)
Interest Expense / Debt = 553.3% (Interest Expense 87.6m / Debt 15.8m)
Taxrate = 16.94% (8.47m / 50.0m)
NOPAT = 186.1m (EBIT 224.1m * (1 - 16.94%))
Current Ratio = 466.4 (out of range, set to none) (Total Current Assets 3.72b / Total Current Liabilities 7.97m)
Debt / Equity = 0.01 (Debt 15.8m / totalStockholderEquity, last quarter 1.50b)
Debt / EBITDA = 0.01 (Net Debt 4.08m / EBITDA 287.0m)
Debt / FCF = -0.00 (negative FCF - burning cash) (Net Debt 4.08m / FCF TTM -2.87b)
Total Stockholder Equity = 1.43b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.22% (Net Income 135.7m / Total Assets 11.57b)
RoE = 9.47% (Net Income TTM 135.7m / Total Stockholder Equity 1.43b)
RoCE = 15.46% (EBIT 224.1m / Capital Employed (Equity 1.43b + L.T.Debt 15.8m))
RoIC = 30.50% (NOPAT 186.1m / Invested Capital 610.3m)
WACC = 12.79% (E(1.68b)/V(1.70b) * Re(12.91%) + (debt cost/tax rate unavailable))
Discount Rate = 12.91% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 3.97%
[DCF] Fair Price = unknown (Cash Flow -2.87b)
EPS Correlation: -9.40 | EPS CAGR: -2.84% | SUE: 0.18 | # QB: 0
Revenue Correlation: 31.80 | Revenue CAGR: 4.89% | SUE: 3.04 | # QB: 1
EPS next Quarter (2026-06-30): EPS=0.42 | Chg7d=+0.024 | Chg30d=+0.034 | Revisions Net=+6 | Analysts=8
EPS current Year (2026-12-31): EPS=1.73 | Chg7d=+0.067 | Chg30d=+0.109 | Revisions Net=+5 | Growth EPS=+49.3% | Growth Revenue=+7.3%
EPS next Year (2027-12-31): EPS=2.33 | Chg7d=+0.083 | Chg30d=+0.121 | Revisions Net=+7 | Growth EPS=+34.8% | Growth Revenue=+13.4%
[Analyst] Revisions Ratio: +0.75 (7 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 5.0% (Discount Rate 12.9% - Earnings Yield 7.9%)
[Growth] Growth Spread = +1.3% (Analyst 6.3% - Implied 5.0%)
P/E Forward = 7.764
P/S = 1.2621
P/B = 1.0732
P/EG = -18.14
Revenue TTM = 1.33b USD
EBIT TTM = 224.1m USD
EBITDA TTM = 287.0m USD
Long Term Debt = 15.8m USD (from capitalLeaseObligations, last quarter)
Short Term Debt = 7.97m USD (from shortTermDebt, last quarter)
Debt = 15.8m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 4.08m USD (from netDebt column, last quarter)
Enterprise Value = 794.5m USD (1.68b + Debt 15.8m - CCE 905.9m)
Interest Coverage Ratio = 0.67 (Ebit TTM 224.1m / Interest Expense TTM 335.9m)
EV/FCF = -0.28x (Enterprise Value 794.5m / FCF TTM -2.87b)
FCF Yield = -360.9% (FCF TTM -2.87b / Enterprise Value 794.5m)
FCF Margin = -214.8% (FCF TTM -2.87b / Revenue TTM 1.33b)
Net Margin = 10.17% (Net Income TTM 135.7m / Revenue TTM 1.33b)
Gross Margin = 64.03% ((Revenue TTM 1.33b - Cost of Revenue TTM 480.0m) / Revenue TTM)
Gross Margin QoQ = 75.27% (prev 62.92%)
Tobins Q-Ratio = 0.07 (Enterprise Value 794.5m / Total Assets 11.57b)
Interest Expense / Debt = 553.3% (Interest Expense 87.6m / Debt 15.8m)
Taxrate = 16.94% (8.47m / 50.0m)
NOPAT = 186.1m (EBIT 224.1m * (1 - 16.94%))
Current Ratio = 466.4 (out of range, set to none) (Total Current Assets 3.72b / Total Current Liabilities 7.97m)
Debt / Equity = 0.01 (Debt 15.8m / totalStockholderEquity, last quarter 1.50b)
Debt / EBITDA = 0.01 (Net Debt 4.08m / EBITDA 287.0m)
Debt / FCF = -0.00 (negative FCF - burning cash) (Net Debt 4.08m / FCF TTM -2.87b)
Total Stockholder Equity = 1.43b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.22% (Net Income 135.7m / Total Assets 11.57b)
RoE = 9.47% (Net Income TTM 135.7m / Total Stockholder Equity 1.43b)
RoCE = 15.46% (EBIT 224.1m / Capital Employed (Equity 1.43b + L.T.Debt 15.8m))
RoIC = 30.50% (NOPAT 186.1m / Invested Capital 610.3m)
WACC = 12.79% (E(1.68b)/V(1.70b) * Re(12.91%) + (debt cost/tax rate unavailable))
Discount Rate = 12.91% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 3.97%
[DCF] Fair Price = unknown (Cash Flow -2.87b)
EPS Correlation: -9.40 | EPS CAGR: -2.84% | SUE: 0.18 | # QB: 0
Revenue Correlation: 31.80 | Revenue CAGR: 4.89% | SUE: 3.04 | # QB: 1
EPS next Quarter (2026-06-30): EPS=0.42 | Chg7d=+0.024 | Chg30d=+0.034 | Revisions Net=+6 | Analysts=8
EPS current Year (2026-12-31): EPS=1.73 | Chg7d=+0.067 | Chg30d=+0.109 | Revisions Net=+5 | Growth EPS=+49.3% | Growth Revenue=+7.3%
EPS next Year (2027-12-31): EPS=2.33 | Chg7d=+0.083 | Chg30d=+0.121 | Revisions Net=+7 | Growth EPS=+34.8% | Growth Revenue=+13.4%
[Analyst] Revisions Ratio: +0.75 (7 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 5.0% (Discount Rate 12.9% - Earnings Yield 7.9%)
[Growth] Growth Spread = +1.3% (Analyst 6.3% - Implied 5.0%)