LENDINGCLUB CORP (LC) Fundamental Analysis & Valuation

NYSE:LC • US52603A2087

Current stock price

14.32 USD
+0.51 (+3.69%)
At close:
14.5 USD
+0.18 (+1.26%)
Pre-Market:

This LC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. LC Profitability Analysis

1.1 Basic Checks

  • LC had positive earnings in the past year.
  • LC had a negative operating cash flow in the past year.
  • LC had positive earnings in each of the past 5 years.
  • In multiple years LC reported negative operating cash flow during the last 5 years.
LC Yearly Net Income VS EBIT VS OCF VS FCFLC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -1B -2B

1.2 Ratios

  • The Return On Assets of LC (1.17%) is worse than 66.67% of its industry peers.
  • The Return On Equity of LC (9.04%) is worse than 64.81% of its industry peers.
  • The Return On Invested Capital of LC (1.22%) is comparable to the rest of the industry.
  • LC had an Average Return On Invested Capital over the past 3 years of 0.74%. This is significantly below the industry average of 12.01%.
  • The last Return On Invested Capital (1.22%) for LC is above the 3 year average (0.74%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 1.17%
ROE 9.04%
ROIC 1.22%
ROA(3y)0.7%
ROA(5y)1.22%
ROE(3y)5.33%
ROE(5y)8.61%
ROIC(3y)0.74%
ROIC(5y)0.82%
LC Yearly ROA, ROE, ROICLC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20 -20

1.3 Margins

  • The Profit Margin of LC (13.58%) is comparable to the rest of the industry.
  • LC's Profit Margin has declined in the last couple of years.
  • LC's Operating Margin of 17.72% is in line compared to the rest of the industry. LC outperforms 59.26% of its industry peers.
  • LC's Operating Margin has improved in the last couple of years.
  • The Gross Margin of LC (100.00%) is better than 96.30% of its industry peers.
  • In the last couple of years the Gross Margin of LC has grown nicely.
Industry RankSector Rank
OM 17.72%
PM (TTM) 13.58%
GM 100%
OM growth 3Y11.19%
OM growth 5YN/A
PM growth 3Y-17.74%
PM growth 5YN/A
GM growth 3Y0%
GM growth 5Y7.71%
LC Yearly Profit, Operating, Gross MarginsLC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50 100

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0

2. LC Health Analysis

2.1 Basic Checks

  • LC has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • LC has more shares outstanding than it did 1 year ago.
  • The number of shares outstanding for LC has been increased compared to 5 years ago.
  • Compared to 1 year ago, LC has a worse debt to assets ratio.
LC Yearly Shares OutstandingLC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
LC Yearly Total Debt VS Total AssetsLC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

2.2 Solvency

  • LC has an Altman-Z score of -0.74. This is a bad value and indicates that LC is not financially healthy and even has some risk of bankruptcy.
  • The Altman-Z score of LC (-0.74) is worse than 66.67% of its industry peers.
  • LC has a Debt/Equity ratio of 6.59. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 6.59, LC is not doing good in the industry: 74.07% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 6.59
Debt/FCF N/A
Altman-Z -0.74
ROIC/WACC0.27
WACC4.47%
LC Yearly LT Debt VS Equity VS FCFLC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -2B

2.3 Liquidity

  • A Current Ratio of 0.09 indicates that LC may have some problems paying its short term obligations.
  • LC has a worse Current ratio (0.09) than 74.07% of its industry peers.
  • A Quick Ratio of 0.09 indicates that LC may have some problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 0.09, LC is doing worse than 74.07% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.09
Quick Ratio 0.09
LC Yearly Current Assets VS Current LiabilitesLC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. LC Growth Analysis

3.1 Past

  • LC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 155.56%, which is quite impressive.
  • LC shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -6.12% yearly.
  • Looking at the last year, LC shows a very strong growth in Revenue. The Revenue has grown by 26.92%.
  • LC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 16.97% yearly.
EPS 1Y (TTM)155.56%
EPS 3Y-6.12%
EPS 5YN/A
EPS Q2Q%337.5%
Revenue 1Y (TTM)26.92%
Revenue growth 3Y-5.6%
Revenue growth 5Y16.97%
Sales Q2Q%22.68%

3.2 Future

  • The Earnings Per Share is expected to grow by 45.65% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 13.46% on average over the next years. This is quite good.
EPS Next Y55.66%
EPS Next 2Y44.66%
EPS Next 3Y45.65%
EPS Next 5YN/A
Revenue Next Year8.1%
Revenue Next 2Y11.27%
Revenue Next 3Y13.46%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
LC Yearly Revenue VS EstimatesLC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 500M 1B
LC Yearly EPS VS EstimatesLC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 1 -1 2 3

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Find the best growth stocksShow best growing peers

6

4. LC Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 12.45, LC is valued correctly.
  • 62.96% of the companies in the same industry are cheaper than LC, based on the Price/Earnings ratio.
  • LC is valuated cheaply when we compare the Price/Earnings ratio to 25.35, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 8.00, the valuation of LC can be described as very cheap.
  • LC's Price/Forward Earnings is on the same level as the industry average.
  • LC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.61.
Industry RankSector Rank
PE 12.45
Fwd PE 8
LC Price Earnings VS Forward Price EarningsLC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • LC's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. LC is cheaper than 85.19% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 3.1
LC Per share dataLC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 -10 -20

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • LC's earnings are expected to grow with 45.65% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.22
PEG (5Y)N/A
EPS Next 2Y44.66%
EPS Next 3Y45.65%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. LC Dividend Analysis

5.1 Amount

  • LC does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

LC Fundamentals: All Metrics, Ratios and Statistics

LENDINGCLUB CORP

NYSE:LC (3/31/2026, 8:04:00 PM)

Premarket: 14.5 +0.18 (+1.26%)

14.32

+0.51 (+3.69%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-28
Earnings (Next)04-27
Inst Owners84.63%
Inst Owner Change-8.1%
Ins Owners2.92%
Ins Owner Change1.05%
Market Cap1.65B
Revenue(TTM)998.85M
Net Income(TTM)135.68M
Analysts87.37
Price Target24.49 (71.02%)
Short Float %4.12%
Short Ratio2.05
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend0.01
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)9.21%
Min EPS beat(2)0%
Max EPS beat(2)18.41%
EPS beat(4)2
Avg EPS beat(4)29.7%
Min EPS beat(4)-8.6%
Max EPS beat(4)108.99%
EPS beat(8)5
Avg EPS beat(8)79.98%
EPS beat(12)9
Avg EPS beat(12)108.2%
EPS beat(16)12
Avg EPS beat(16)85.11%
Revenue beat(2)1
Avg Revenue beat(2)-0.27%
Min Revenue beat(2)-1.35%
Max Revenue beat(2)0.81%
Revenue beat(4)2
Avg Revenue beat(4)1.03%
Min Revenue beat(4)-1.37%
Max Revenue beat(4)6.02%
Revenue beat(8)6
Avg Revenue beat(8)1.59%
Revenue beat(12)8
Avg Revenue beat(12)4.23%
Revenue beat(16)11
Avg Revenue beat(16)4.02%
PT rev (1m)0%
PT rev (3m)7.06%
EPS NQ rev (1m)0%
EPS NQ rev (3m)16.48%
EPS NY rev (1m)2.72%
EPS NY rev (3m)9.08%
Revenue NQ rev (1m)-1.59%
Revenue NQ rev (3m)-6.47%
Revenue NY rev (1m)-2.21%
Revenue NY rev (3m)-7.2%
Valuation
Industry RankSector Rank
PE 12.45
Fwd PE 8
P/S 1.65
P/FCF N/A
P/OCF N/A
P/B 1.1
P/tB 1.16
EV/EBITDA 3.1
EPS(TTM)1.15
EY8.03%
EPS(NY)1.79
Fwd EY12.5%
FCF(TTM)-24.89
FCFYN/A
OCF(TTM)-23.68
OCFYN/A
SpS8.67
BVpS13.03
TBVpS12.31
PEG (NY)0.22
PEG (5Y)N/A
Graham Number18.36
Profitability
Industry RankSector Rank
ROA 1.17%
ROE 9.04%
ROCE 12.6%
ROIC 1.22%
ROICexc 1.32%
ROICexgc 1.36%
OM 17.72%
PM (TTM) 13.58%
GM 100%
FCFM N/A
ROA(3y)0.7%
ROA(5y)1.22%
ROE(3y)5.33%
ROE(5y)8.61%
ROIC(3y)0.74%
ROIC(5y)0.82%
ROICexc(3y)0.82%
ROICexc(5y)0.93%
ROICexgc(3y)0.84%
ROICexgc(5y)0.96%
ROCE(3y)8.19%
ROCE(5y)7.54%
ROICexgc growth 3Y-10.32%
ROICexgc growth 5YN/A
ROICexc growth 3Y-9.64%
ROICexc growth 5YN/A
OM growth 3Y11.19%
OM growth 5YN/A
PM growth 3Y-17.74%
PM growth 5YN/A
GM growth 3Y0%
GM growth 5Y7.71%
F-Score5
Asset Turnover0.09
Health
Industry RankSector Rank
Debt/Equity 6.59
Debt/FCF N/A
Debt/EBITDA 41.25
Cap/Depr 223.16%
Cap/Sales 14.05%
Interest Coverage 0.52
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.09
Quick Ratio 0.09
Altman-Z -0.74
F-Score5
WACC4.47%
ROIC/WACC0.27
Cap/Depr(3y)142.48%
Cap/Depr(5y)240.08%
Cap/Sales(3y)9.28%
Cap/Sales(5y)7.58%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)155.56%
EPS 3Y-6.12%
EPS 5YN/A
EPS Q2Q%337.5%
EPS Next Y55.66%
EPS Next 2Y44.66%
EPS Next 3Y45.65%
EPS Next 5YN/A
Revenue 1Y (TTM)26.92%
Revenue growth 3Y-5.6%
Revenue growth 5Y16.97%
Sales Q2Q%22.68%
Revenue Next Year8.1%
Revenue Next 2Y11.27%
Revenue Next 3Y13.46%
Revenue Next 5YN/A
EBIT growth 1Y171.95%
EBIT growth 3Y4.97%
EBIT growth 5YN/A
EBIT Next Year31.07%
EBIT Next 3Y11.91%
EBIT Next 5YN/A
FCF growth 1Y-6.65%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-3.52%
OCF growth 3YN/A
OCF growth 5YN/A

LENDINGCLUB CORP / LC Fundamental Analysis FAQ

What is the ChartMill fundamental rating of LENDINGCLUB CORP (LC) stock?

ChartMill assigns a fundamental rating of 4 / 10 to LC.


What is the valuation status of LENDINGCLUB CORP (LC) stock?

ChartMill assigns a valuation rating of 6 / 10 to LENDINGCLUB CORP (LC). This can be considered as Fairly Valued.


Can you provide the profitability details for LENDINGCLUB CORP?

LENDINGCLUB CORP (LC) has a profitability rating of 4 / 10.


What is the valuation of LENDINGCLUB CORP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for LENDINGCLUB CORP (LC) is 12.45 and the Price/Book (PB) ratio is 1.1.


Can you provide the financial health for LC stock?

The financial health rating of LENDINGCLUB CORP (LC) is 0 / 10.