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Financial Services - Financial - Credit Services - NYSE - US
$ 14.92
-1.32 %
$ 1.68 B
Market Cap
32.43
P/E
1. INTRINSIC VALUE

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.[ Read More ]

The intrinsic value of one LC stock under the base case scenario is HIDDEN Compared to the current market price of 14.9 USD, LendingClub Corporation is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart LC

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FINANCIALS
865 M REVENUE
-25.88%
107 M OPERATING INCOME
-30.05%
38.9 M NET INCOME
-86.56%
-1.14 B OPERATING CASH FLOW
-302.63%
517 M INVESTING CASH FLOW
118.39%
790 M FINANCING CASH FLOW
-71.75%
61.6 M REVENUE
-81.31%
-81.4 M OPERATING INCOME
-145.60%
14.5 M NET INCOME
-2.99%
-670 M OPERATING CASH FLOW
28.17%
-594 M INVESTING CASH FLOW
-122.01%
1.34 B FINANCING CASH FLOW
330.22%
Balance Sheet Decomposition LendingClub Corporation
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Current Assets 2.87 B
Cash & Short-Term Investments 2.87 B
Receivables 0
Other Current Assets 0
Non-Current Assets 1.94 B
Long-Term Investments 1.66 B
PP&E 188 M
Other Non-Current Assets 87.9 M
Current Liabilities 91.4 M
Accounts Payable 54.6 M
Short-Term Debt 0
Other Current Liabilities 36.8 M
Non-Current Liabilities 57.2 M
Long-Term Debt 57.2 M
Other Non-Current Liabilities 0
EFFICIENCY
Earnings Waterfall LendingClub Corporation
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Revenue 865 M
Cost Of Revenue 855 M
Gross Profit 9.19 M
Operating Expenses 221 M
Operating Income 107 M
Other Expenses 68.1 M
Net Income 38.9 M
RATIOS
1.06% GROSS MARGIN
1.06%
12.38% OPERATING MARGIN
12.38%
4.50% NET MARGIN
4.50%
3.11% ROE
3.11%
0.44% ROA
0.44%
6.00% ROIC
6.00%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis LendingClub Corporation
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Net Income 38.9 M
Depreciation & Amortization 47.2 M
Capital Expenditures -59.5 M
Stock-Based Compensation 52.4 M
Change in Working Capital -32.9 M
Others -1.33 B
Free Cash Flow -1.2 B
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets LendingClub Corporation
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Wall Street analysts predict an average 1-year price target for LC of $12.8 , with forecasts ranging from a low of $8 to a high of $15 .
LC Lowest Price Target Wall Street Target
8 USD -46.38%
LC Average Price Target Wall Street Target
12.8 USD -14.54%
LC Highest Price Target Wall Street Target
15 USD 0.54%
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0 USD DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership LendingClub Corporation
image
Sold
0-3 MONTHS
1.01 M USD 4
3-6 MONTHS
241 K USD 2
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
Date Value Insider Amount Avg Price
1 week ago
Nov 08, 2024
Sell 326 K USD
Cheng Jordan
General Counsel & Secretary
- 22000
14.8264 USD
1 week ago
Nov 07, 2024
Sell 253 K USD
Sanborn Scott
CEO
- 17000
14.8897 USD
1 week ago
Nov 05, 2024
Sell 9.6 K USD
Selleck Erin
Director
- 703
13.66 USD
2 weeks ago
Oct 29, 2024
Sell 35.9 K USD
Morris John C.
Director
- 2500
14.3579 USD
1 month ago
Oct 03, 2024
Sell 189 K USD
Sanborn Scott
CEO
- 17000
11.0902 USD
2 months ago
Sep 05, 2024
Sell 193 K USD
Sanborn Scott
CEO
- 17000
11.3615 USD
3 months ago
Aug 08, 2024
Sell 174 K USD
Sanborn Scott
CEO
- 17000
10.2532 USD
3 months ago
Aug 05, 2024
Sell 6.81 K USD
Selleck Erin
Director
- 703
9.68 USD
5 months ago
Jun 12, 2024
Sell 23.3 K USD
Selleck Erin
Director
- 2677
8.7 USD
5 months ago
May 31, 2024
Sell 36.3 K USD
Selleck Erin
Director
- 4083
8.88 USD
1 year ago
Oct 31, 2023
Bought 52 K USD
LaBenne Andrew
Chief Financial Officer
+ 10000
5.1956 USD
1 year ago
Oct 31, 2023
Bought 51.8 K USD
Stack Fergal
SVP, Corporate Controller
+ 10000
5.1763 USD
1 year ago
Oct 31, 2023
Bought 51.8 K USD
ZEISSER MICHAEL P
Director
+ 10000
5.18 USD
1 year ago
Oct 31, 2023
Bought 52.1 K USD
Whiteside Janey
Director
+ 10000
5.2146 USD
1 year ago
Oct 31, 2023
Bought 52.3 K USD
Morris John C.
Director
+ 10000
5.2283 USD
1 year ago
Oct 31, 2023
Bought 51.9 K USD
Sanborn Scott
CEO
+ 10000
5.193 USD
1 year ago
Oct 31, 2023
Bought 51.7 K USD
Mayopoulos Timothy J
Director
+ 10000
5.1687 USD
1 year ago
Oct 31, 2023
Bought 51.9 K USD
Reimann Kathryn
Director
+ 10000
5.1895 USD
1 year ago
Oct 31, 2023
Bought 52.4 K USD
Selleck Erin
Director
+ 10000
5.2425 USD
1 year ago
Oct 31, 2023
Bought 52 K USD
LANDON ALLAN R
Director
+ 10000
5.2003 USD
1 year ago
Oct 31, 2023
Bought 51 K USD
Cutler Stephen M
Director
+ 10000
5.1 USD
1 year ago
Oct 31, 2023
Bought 52.2 K USD
Ahmad Syed Faiz
Director
+ 10000
5.2221 USD
1 year ago
May 09, 2023
Bought 50 K USD
Cutler Stephen M
Director
+ 7407
6.75 USD
1 year ago
May 05, 2023
Bought 49.3 K USD
Cutler Stephen M
Director
+ 7250
6.7999 USD
1 year ago
Nov 28, 2022
Sell 288 K USD
Momen Ronnie
Bank-Chief of Consumer Banking
- 28607
10.0827 USD
1 year ago
Nov 28, 2022
Sell 63 K USD
Stack Fergal
SVP, Corporate Controller
- 6240
10.0897 USD
1 year ago
Nov 28, 2022
Sell 215 K USD
PACE BRANDON
Chief Administrative Officer
- 21342
10.0843 USD
1 year ago
Nov 28, 2022
Sell 226 K USD
Kay Valerie
Bank-Chief Capital Officer
- 22392
10.0845 USD
1 year ago
Nov 28, 2022
Sell 386 K USD
ARMSTRONG ANNIE
Chief Risk Officer
- 38322
10.0802 USD
2 years ago
Nov 07, 2022
Bought 47.5 K USD
LANDON ALLAN R
Director
+ 5000
9.5 USD
2 years ago
Nov 04, 2022
Bought 117 K USD
LaBenne Andrew
Chief Financial Officer
+ 12300
9.519 USD
2 years ago
Nov 03, 2022
Bought 145 K USD
LANDON ALLAN R
Director
+ 15000
9.6552 USD
2 years ago
Nov 02, 2022
Bought 50 K USD
LANDON ALLAN R
Director
+ 5000
10.0099 USD
2 years ago
Aug 25, 2022
Sell 286 K USD
PACE BRANDON
Chief Administrative Officer
- 20642
13.8591 USD
2 years ago
Aug 25, 2022
Sell 300 K USD
Kay Valerie
Bank-Chief Capital Officer
- 21662
13.8572 USD
2 years ago
Aug 25, 2022
Sell 83.7 K USD
Stack Fergal
SVP, Corporate Controller
- 6040
13.8614 USD
2 years ago
Aug 10, 2022
Sell 467 K USD
Momen Ronnie
Bank-Chief of Consumer Banking
- 33726
13.8603 USD
2 years ago
Aug 25, 2022
Sell 513 K USD
ARMSTRONG ANNIE
Chief Risk Officer
- 37046
13.8604 USD
2 years ago
Jul 22, 2022
Sell 30.4 K USD
ARMSTRONG ANNIE
Chief Risk Officer
- 2027
15 USD
2 years ago
Jul 07, 2022
Sell 16.8 K USD
ARMSTRONG ANNIE
Chief Risk Officer
- 1290
13 USD
2 years ago
Jun 07, 2022
Sell 51.6 K USD
ARMSTRONG ANNIE
Chief Risk Officer
- 3317
15.57 USD
2 years ago
May 25, 2022
Sell 323 K USD
Kay Valerie
Bank-Chief Capital Officer
- 22996
14.062 USD
7. News
LendingClub (LC) Is Up 5.98% in One Week: What You Should Know Does LendingClub (LC) have what it takes to be a top stock pick for momentum investors? Let's find out. zacks.com - 2 days ago
This Small-Cap Stock Is Up 63% in 2024. Here's Why a Historic Opportunity Could Send It Even Higher. Consumers have racked up record credit card debt. Falling interest rates could benefit this company in a huge way. fool.com - 1 week ago
LendingClub (LC) Is Up 2.01% in One Week: What You Should Know Does LendingClub (LC) have what it takes to be a top stock pick for momentum investors? Let's find out. zacks.com - 3 weeks ago
LendingClub Stock Is Soaring. Strong Earnings May Bode Well for SoFi and Affirm. J.P. Morgan analysts notes the lender's management says they are seeing bank partners return to the loan marketplace for the first time in about six quarters. barrons.com - 3 weeks ago
LendingClub Q3 Earnings: A Turnaround Stock As Interest Rates Decline (Upgrade) I believe LendingClub's Q3 2024 earnings report was a solid, and the market rewarded it with a 6% increase in its share price. The company is capitalizing on favorable market conditions with consistent loan origination growth and a strategic $1.3 billion loan portfolio acquisition. I am confident that LendingClub's strong loan origination growth, recent loan portfolio acquisition, and improved return on assets make it well-positioned for a turnaround. seekingalpha.com - 3 weeks ago
LendingClub Loan Originations Surge 27% as Consumers Look to Consolidate Debt LendingClub's latest quarterly results show an acceleration of loan originations, and banks have moved back to the company's platform as consumers look for ways to consolidate and pay down debt — particularly credit card debt. The company's earnings supplementals indicated that loan originations were up 6% sequentially to $1. pymnts.com - 3 weeks ago
LendingClub Corporation (LC) Q3 2024 Earnings Call Transcript LendingClub Corporation (NYSE:LC ) Q3 2024 Earnings Conference Call October 23, 2024 5:00 PM ET Company Participants Artem Nalivayko - Head, IR Scott Sanborn - CEO Drew LaBenne - CFO Conference Call Participants Tim Switzer - KBW Vincent Caintic - BTIG Giuliano Bologna - Compass Point John Hecht - Jefferies Brad Capuzzi - Piper Sandler Reggie Smith - JP Morgan Operator Good afternoon. Thank you for attending today's LendingClub Third Quarter 2024 Earnings Conference Call. seekingalpha.com - 3 weeks ago
LendingClub (LC) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates The headline numbers for LendingClub (LC) give insight into how the company performed in the quarter ended September 2024, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals. zacks.com - 3 weeks ago
LendingClub (LC) Beats Q3 Earnings and Revenue Estimates LendingClub (LC) came out with quarterly earnings of $0.13 per share, beating the Zacks Consensus Estimate of $0.07 per share. This compares to earnings of $0.05 per share a year ago. zacks.com - 3 weeks ago
LendingClub Reports Third Quarter 2024 Results Originations and Revenue Growth Supported by Return of Bank Buyers Total Assets Grew 25% Year to Date Driven by $1.3 Billion Purchase of LendingClub Loans Acquired Tally's Technology in October to Accelerate Product Roadmap SAN FRANCISCO , Oct. 23, 2024 /PRNewswire/ -- LendingClub Corporation (NYSE: LC), the parent company of LendingClub Bank, America's leading digital marketplace bank, today announced financial results for the third quarter ended September 30, 2024. "We had a standout quarter, with credit outperformance and the return of bank buyers driving improved loan sales pricing, our capital strategy delivering a 25% larger balance sheet year to date, and strong financial performance translating to a meaningful improvement in book value per common share over the past 12 months," said Scott Sanborn, LendingClub CEO. prnewswire.com - 3 weeks ago
LendingClub: Bullish Ahead Of Q3 Earnings Goldilocks macro backdrop provides tailwinds to LC's business model. Lower rates translate to higher marketplace volumes and margins. Asset Managers and Bank Investors are expected to come back to the platform en masse. seekingalpha.com - 1 month ago
LendingClub and Pagaya Acquire Tally's Credit Card Management Tech LendingClub and AI lending network Pagaya have acquired Tally Technologies' intellectual property. Tally, a FinTech that helped consumers manage credit card debt, closed its doors in August. pymnts.com - 1 month ago
8. Profile Summary

LendingClub Corporation LC

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COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 1.68 B
Dividend Yield 0.00%
Description 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.
Contact 595 Market Street, San Francisco, CA, 94105 https://www.lendingclub.com
IPO Date Dec. 11, 2014
Employees 1025
Officers Ms. Amber Carroll Senior Vice President of Membership & Lifecycle Marketing Mr. Joel Schipper Chief Audit Executive Ms. Tina Wilson Chief People Officer Mr. Jordan Cheng General Counsel & Secretary Mr. Fergal Stack Principal Accounting Officer & Corporate Controller Mr. Lukasz Strozek Chief Technology Officer Mr. Sameer Shripad Gokhale CPA Head of Investor Relations Ms. Annie Armstrong Chief Risk Officer Mr. Scott C. Sanborn Chief Executive Officer & Director Mr. Andrew LaBenne Chief Financial Officer