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Company Analysis

LendingClub Corporation LC

A comprehensive view of key metrics, scores, and financial health for LendingClub Corporation

Overview of LendingClub Corporation

LC NYQ
Financial Services Banks - Regional Small Cap
LendingClub Corporation (LC), is a Small Cap company, in the Banks - Regional industry, last closed at $13.80, about 5.3% overvalued vs fair value, +27.5% 1Y return, ranked 838/1004 in sector.
$13.80
-2.34%
As of March 13, 2026
Previous close • Vol 90d: 64.1%
52-Week Range
Market Cap
$1.68B
Enterprise Value
$776.96M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.lendingclub.com
HQ San Francisco, CA
Employees 1,075
Fiscal year Dec 31

Next Events

Earnings Apr 28 Estimated

Fair Value Snapshot

Bear Base Bull
$7
$13
$24
Current: $13.80 -5% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$961.5M
5.9%%
Interest Expense
$335.9M
Net Interest Income
$625.7M
17.2%%
Total Revenue
$998.8M
26.9%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
9.0%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$41.5M
30.6% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
1/2
Improving
0
High Impact
1
Critical
Locked Leak
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Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating LendingClub Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
32
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
21
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing LC's balance between Growth (24.2%), Profitability (30.2%), and Safety (45.6%). Growth 24% Safety 46% Profitability 30%

Click axes to expand details. Marker shows current allocation.

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Growth

34th percentile vs peers
34
Key Signals
Asset Growth YoY 8.8% 74p Rev Growth YoY 26.9% 26p Revenue CAGR 3Y -5.6% 4p
Strengths

No notable strengths identified for this axis.

Risks
  • Growth below peer median (percentile: 34)

Profitability

43th percentile vs peers
43
Key Signals
Strengths
Risks
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Safety

64th percentile vs peers
65
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for LendingClub Corporation.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$13.07
- - -
-5.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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