LC - NYSE

LendingClub Corporation

LendingClub Corporation

LCยทNYSE

$16.39

-11%
Financial ServicesFinancial - Credit Services

LendingClub Corporation, operates as a bank holding company for LendingClub Bank, National Association that provides range of financial products and services through a technology-driven platform in the United States. The company provides commercial and industrial, commercial real estate, small business, and equipment loans, as well as leases equipment; and unsecured personal and auto, patient finance, and education finance loans. It also operates an online lending marketplace platform that connects borrowers and investors. LendingClub Corporation was incorporated in 2006 and is headquartered in San Francisco, California.

StatementsValue Model

At a Glance

Live Snapshot
Market Cap$1.89B
EPS1.1800
P/E Ratio13.89
Earnings Date08/04/2026
LendingClub Corporation

LendingClub Corporation Fair Value Envelope

LC ยท NYSE

Our analysis suggests that LC has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $16.39, this represents a potential HIDDEN relative to our calculated worth for LendingClub Corporation.

HIDDEN
Intrinsic Value
Current Price: $16.39

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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$
%
$
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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value-$13.5B
+ Cash & Equivalents$917.7M
Firm Value-$12.6B
- Debt$15.8M
Equity Value-$12.6B
/ Shares Outstanding115,299,192B
DCF Value-$109
OVERVALUED BY 765%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
-$2.5B
-$2.4B
-$2.2B
-$2.1B
-$1.9B
-$1.8B
-$1.7B
-$1.6B
-$1.5B
-$1.4B
Maintenance CapEx
-$26.2M
-$24.5M
-$22.8M
-$21.3M
-$19.9M
-$18.6M
-$17.3M
-$16.2M
-$15.1M
-$14.1M
Owner Earnings
-$2.6B
-$2.4B
-$2.2B
-$2.1B
-$2.0B
-$1.8B
-$1.7B
-$1.6B
-$1.5B
-$1.4B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
-$2.4B
-$2.1B
-$1.8B
-$1.5B
-$1.3B
-$1.1B
-$993.0M
-$858.3M
-$741.8M
-$641.2M
Terminal Value represents 0.0% of Enterprise Value
Negative Owner Earnings
This company generates negative free cash flow. Consider adjusting maintenance CapEx percentage or check the financial data.

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