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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 Framework: Banks & Lenders Mid Cap
LendingClub Corporation (LC), is a Mid Cap company, in the Banks - Regional industry, last closed at $18.05, about 27.6% overvalued vs fair value, +63.5% 1Y return, ranked 838/1037 in sector.
Metrics P/E 16.4× Rev Growth 26.9% ROE 9.6%
USD 18.05
-1.04%
(Delayed)
• Vol 90d: 56.8%
52-Week Range
Market Cap
$2.10B
Enterprise Value
$1.20B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Weak
Valuation
Weak
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Weak
Valuation
Weak
Completeness: 82%
Confidence: 88%
Updated: Mar 8
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

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$7
$13
$24
Current: $18.05 -28% vs base

Engine Room Money Flow™

Mid 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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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
52
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
44
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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 85% Coverage
Trade-Off Triangle Visualization A ternary plot showing LC's balance between Growth (44.6%), Profitability (38.4%), and Safety (17.0%). Growth 45% Safety 17% Profitability 38%

Click axes to expand details. Marker shows current allocation.

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Growth

82th percentile vs peers
82
Key Signals
NII Growth YoY 17.2% 88p Asset Growth YoY 8.8% 72p EPS Growth YoY 1.55 93p Equity Growth YoY 11.8% 77p
Strengths
  • Growth performance in top 20% of peers (percentile: 82)
  • NII Growth YoY in top 20% of peers (17.2%, 88th percentile)
  • EPS Growth YoY in top 20% of peers (1.55, 93th percentile)
  • Net Interest Margin in top 20% of peers (5.4%, 93th percentile)
  • Efficiency Ratio in top 20% of peers (65.5%, 86th percentile)
Risks

No significant risks identified for this axis.

Profitability

70th percentile vs peers
71
Key Signals
Strengths
Risks
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Safety

31th percentile vs peers
31
Key Signals
Strengths
Safety drilldowns are available to premium members.

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
- - -
-27.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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