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Financial Services - Financial - Credit Services - NYSE - US
$ 8.83
1.61 %
$ 1 B
Market Cap
19.62
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one LC stock under the worst case scenario is HIDDEN Compared to the current market price of 8.83 USD, LendingClub Corporation is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one LC stock under the base case scenario is HIDDEN Compared to the current market price of 8.83 USD, LendingClub Corporation is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one LC stock under the best case scenario is HIDDEN Compared to the current market price of 8.83 USD, LendingClub Corporation is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart LC

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$18.0$18.0$17.0$17.0$16.0$16.0$15.0$15.0$14.0$14.0$13.0$13.0$12.0$12.0$11.0$11.0$10.0$10.0$9.0$9.0$8.0$8.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
253 M REVENUE
-70.74%
-127 M OPERATING INCOME
-215.29%
51.3 M NET INCOME
31.82%
-2.63 B OPERATING CASH FLOW
-131.76%
608 M INVESTING CASH FLOW
17.63%
1.71 B FINANCING CASH FLOW
116.52%
217 M REVENUE
252.37%
0 OPERATING INCOME
100.00%
9.72 M NET INCOME
-32.77%
-185 M OPERATING CASH FLOW
72.33%
498 M INVESTING CASH FLOW
183.84%
-386 M FINANCING CASH FLOW
-28.67%
Balance Sheet LendingClub Corporation
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Current Assets 3.47 B
Cash & Short-Term Investments 3.47 B
Receivables 105 M
Other Current Assets -105 M
Non-Current Assets 243 M
Long-Term Investments 0
PP&E 168 M
Other Non-Current Assets 75.7 M
93.45 %4.51 %Total Assets$3.7b
Current Liabilities 101 M
Accounts Payable 78.1 M
Short-Term Debt 0
Other Current Liabilities 22.8 M
Non-Current Liabilities 28.5 M
Long-Term Debt 28.5 M
Other Non-Current Liabilities 0
60.35 %17.64 %22.02 %Total Liabilities$129.5m
EFFICIENCY
Earnings Waterfall LendingClub Corporation
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Revenue 253 M
Cost Of Revenue 280 M
Gross Profit -27 M
Operating Expenses 100 M
Operating Income -127 M
Other Expenses -179 M
Net Income 51.3 M
300m300m250m250m200m200m150m150m100m100m50m50m00(50m)(50m)(100m)(100m)(150m)(150m)253m(280m)(27m)(100m)(127m)179m51mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
-10.69% GROSS MARGIN
-10.69%
-50.37% OPERATING MARGIN
-50.37%
20.29% NET MARGIN
20.29%
3.83% ROE
3.83%
0.48% ROA
0.48%
-2.78% ROIC
-2.78%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis LendingClub Corporation
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500m500m00(500m)(500m)(1b)(1b)(1b)(1b)(2b)(2b)(2b)(2b)(3b)(3b)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 51.3 M
Depreciation & Amortization 58.8 M
Capital Expenditures -54.3 M
Stock-Based Compensation 40.1 M
Change in Working Capital 16 M
Others -2.78 B
Free Cash Flow -2.69 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 $14.8 , with forecasts ranging from a low of $12 to a high of $20 .
LC Lowest Price Target Wall Street Target
12 USD 35.90%
LC Average Price Target Wall Street Target
14.8 USD 67.04%
LC Highest Price Target Wall Street Target
20 USD 126.50%
Price
Max Price Target
Min Price Target
Average Price Target
2020181816161414121210108866May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
5. COMPETITION
slide 2 of 12
6. Ownership
Insider Ownership LendingClub Corporation
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Sold
0-3 MONTHS
558 K USD 3
3-6 MONTHS
1.17 M USD 4
6-9 MONTHS
563 K USD 2
9-12 MONTHS
59.5 K USD 1
Bought
258 K USD 1
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Power Ranking Our Top Stock Picks of 2025 Subscribers to  Chart of the Week  received this commentary on Sunday, March 30. schaeffersresearch.com - 2 weeks ago
Down 75% From 2021 Highs, History Says This Fintech Could Rocket Again Financial stocks are particularly interesting right now. In the span of just five years, the sector has been battered by the COVID-19 downturn, rising interest rates, and the bankruptcies of several regional banks. fool.com - 1 month ago
LendingClub: Lowering 2026 Estimates And Reiterating Buy LendingClub reported solid 4Q24 earnings, but guidance came in below expectations, causing the stock to sell off after earnings. Management recently announced it received an investment grade rating on the senior note of its structured certificates, enabling the company to sell these notes to insurance companies. Selling the senior notes to insurance companies should lead to better pricing on loan sales. seekingalpha.com - 1 month ago
Compared to Estimates, LendingClub (LC) Q4 Earnings: A Look at Key Metrics While the top- and bottom-line numbers for LendingClub (LC) give a sense of how the business performed in the quarter ended December 2024, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values. zacks.com - 2 months ago
LendingClub Secures Investment Grade Rating from Fitch on $100 Million Structured Loan Certificates (SLCLC) Transaction with a Top Global Insurance Company SAN FRANCISCO , Feb. 13, 2025 /PRNewswire/ -- LendingClub Corporation (NYSE: LC), the parent company of LendingClub Bank, America's leading digital marketplace bank, today closed on a $100 million LendingClub Structured Loan Certificates (SLCLC) program transaction where it secured an investment grade rating from Fitch Ratings, Inc. (Fitch) on the series notes and gained participation from a top global insurance company. "Securing an investment grade rating from Fitch for our first rated SLCLC series speaks to our credit stewardship and commitment to strong returns for our loan investors," said Scott Sanborn, LendingClub CEO. prnewswire.com - 2 months ago
This Fintech Sold Off Hard After Earnings, But It's Primed For A Big 2025 Popular market analyst Tom Lee of Fundstrat recently called the financial sector his favorite investment for 2025. fool.com - 2 months ago
LendingClub: Remaining Bullish After Mixed Update LendingClub's stock fell 20% post-earnings due to mixed results and guidance, presenting a buying opportunity for long-term investors. Despite concerns over loan origination growth, LC focuses on high credit quality and prudent growth, aiming for >$2.3 billion in 2025. Valuation remains low, and if 2025 guidance is conservative, the stock could see significant upside, currently trading at ~1.2x book value. seekingalpha.com - 2 months ago
LendingClub: Not The Destination LendingClub disappointed the market with conservative guidance for 2025. The fintech's potential remains high, with plans to double loan originations over time and expand into new investment products, including a rated structured certificate program. LC stock is attractive at less than 10x peak earnings potential, but patience is required for full growth realization. seekingalpha.com - 2 months ago
LendingClub (LC) is a Great Momentum Stock: Should You Buy? Does LendingClub (LC) have what it takes to be a top stock pick for momentum investors? Let's find out. zacks.com - 2 months ago
Manhattan Associates, LendingClub And Other Big Stocks Moving Lower In Wednesday's Pre-Market Session U.S. stock futures were mixed this morning, with the Nasdaq futures gaining around 0.4% on Wednesday. benzinga.com - 2 months ago
LendingClub Had a Fine Quarter. Why the Stock Is Falling 21%. The web-based lending company's quarterly revenue beat Wall Street estimates. barrons.com - 2 months ago
LendingClub Shares Plummet as Loan Originations Slow LendingClub's latest quarterly results, released Tuesday (Jan. 28), indicated growth across several key metrics, including loan originations and deposits through its digital banking arm, and some improving credit metrics. However, in some cases, growth decelerated in the final quarter of the year, and forward-looking guidance helped send shares down 23% after hours on Tuesday. pymnts.com - 2 months ago
8. Profile Summary

LendingClub Corporation LC

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COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 1 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 1002
Officers Ms. Tina Wilson Chief People Officer Mr. Mark Elliot Chief Customer Officer Mr. Sameer Shripad Gokhale CPA Head of Investor Relations Mr. Joel Schipper Chief Audit Executive Mr. Fergal Stack Principal Accounting Officer & Corporate Controller Mr. Lukasz Strozek Chief Technology Officer Mr. Andrew LaBenne Chief Financial Officer Mr. Jordan Cheng General Counsel & Secretary Ms. Annie Armstrong Chief Risk Officer Mr. Scott C. Sanborn Chief Executive Officer & Director