LENDINGCLUB CORP (LC) Stock Fundamental Analysis
NYSE:LC - New York Stock Exchange, Inc. - US52603A2087 - Common Stock - Currency: USD
Taking everything into account, LC scores 3 out of 10 in our fundamental rating. LC was compared to 52 industry peers in the Consumer Finance industry. There are concerns on the financial health of LC while its profitability can be described as average. LC is not priced too expensively while it is growing strongly. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
LC had positive earnings in the past year.
LC had a negative operating cash flow in the past year.
Of the past 5 years LC 4 years were profitable.
The reported operating cash flow has been mixed in the past 5 years: LC reported negative operating cash flow in multiple years.
1.2 Ratios
The Return On Assets of LC (0.48%) is worse than 65.38% of its industry peers.
Looking at the Return On Equity, with a value of 3.83%, LC is doing worse than 65.38% of the companies in the same industry.
The Return On Invested Capital of LC (0.47%) is comparable to the rest of the industry.
The Average Return On Invested Capital over the past 3 years for LC is significantly below the industry average of 9.60%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.48% | ||
| ROE | 3.83% | ||
| ROIC | 0.47% |
ROA(3y)1.52%
ROA(5y)-1.03%
ROE(3y)10.61%
ROE(5y)1.62%
ROIC(3y)0.81%
ROIC(5y)N/A
1.3 Margins
The Profit Margin of LC (6.52%) is worse than 61.54% of its industry peers.
LC's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 8.27%, LC is in line with its industry, outperforming 46.15% of the companies in the same industry.
LC's Operating Margin has improved in the last couple of years.
LC has a Gross Margin of 100.00%. This is amongst the best in the industry. LC outperforms 96.15% of its industry peers.
In the last couple of years the Gross Margin of LC has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 8.27% | ||
| PM (TTM) | 6.52% | ||
| GM | 100% |
OM growth 3Y52.19%
OM growth 5YN/A
PM growth 3Y42.12%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5Y5.79%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so LC is destroying value.
The number of shares outstanding for LC has been increased compared to 1 year ago.
The number of shares outstanding for LC has been increased compared to 5 years ago.
The debt/assets ratio for LC is higher compared to a year ago.
2.2 Solvency
LC has an Altman-Z score of -0.81. This is a bad value and indicates that LC is not financially healthy and even has some risk of bankruptcy.
With a Altman-Z score value of -0.81, LC is not doing good in the industry: 71.15% of the companies in the same industry are doing better.
LC has a Debt/Equity ratio of 6.76. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 6.76, LC is not doing good in the industry: 82.69% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.76 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -0.81 |
ROIC/WACC0.09
WACC5.02%
2.3 Liquidity
A Current Ratio of 0.11 indicates that LC may have some problems paying its short term obligations.
With a Current ratio value of 0.11, LC is not doing good in the industry: 78.85% of the companies in the same industry are doing better.
A Quick Ratio of 0.11 indicates that LC may have some problems paying its short term obligations.
With a Quick ratio value of 0.11, LC is not doing good in the industry: 78.85% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.11 | ||
| Quick Ratio | 0.11 |
3. Growth
3.1 Past
LC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 29.41%, which is quite impressive.
Measured over the past years, LC shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.60% on average per year.
Looking at the last year, LC shows a quite strong growth in Revenue. The Revenue has grown by 13.32% in the last year.
Measured over the past years, LC shows a decrease in Revenue. The Revenue has been decreasing by -4.78% on average per year.
EPS 1Y (TTM)29.41%
EPS 3Y51.27%
EPS 5Y11.6%
EPS Q2Q%-9.09%
Revenue 1Y (TTM)13.32%
Revenue growth 3Y-1.3%
Revenue growth 5Y-4.78%
Sales Q2Q%20.49%
3.2 Future
The Earnings Per Share is expected to grow by 49.34% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 21.54% on average over the next years. This is a very strong growth
EPS Next Y44.97%
EPS Next 2Y60.33%
EPS Next 3Y49.34%
EPS Next 5YN/A
Revenue Next Year19.52%
Revenue Next 2Y19.32%
Revenue Next 3Y21.54%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 22.55, LC is valued on the expensive side.
LC's Price/Earnings ratio is a bit more expensive when compared to the industry. LC is more expensive than 75.00% of the companies in the same industry.
LC is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 25.91, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 8.58 indicates a reasonable valuation of LC.
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 21.85.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.55 | ||
| Fwd PE | 8.58 |
4.2 Price Multiples
LC's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. LC is cheaper than 92.31% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 1.53 |
4.3 Compensation for Growth
LC's 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 49.34% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.5
PEG (5Y)1.94
EPS Next 2Y60.33%
EPS Next 3Y49.34%
5. Dividend
5.1 Amount
No dividends for LC!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSE:LC (5/23/2025, 11:48:04 AM)
9.92
-0.09 (-0.9%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners78.31%
Inst Owner Change4.81%
Ins Owners2.9%
Ins Owner Change0.1%
Market Cap1.13B
Analysts83.53
Price Target16.51 (66.43%)
Short Float %4.22%
Short Ratio3.13
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)32.49%
Min EPS beat(2)-14.55%
Max EPS beat(2)79.54%
EPS beat(4)3
Avg EPS beat(4)130.26%
Min EPS beat(4)-14.55%
Max EPS beat(4)234.89%
EPS beat(8)7
Avg EPS beat(8)147.45%
EPS beat(12)10
Avg EPS beat(12)103.59%
EPS beat(16)14
Avg EPS beat(16)137.88%
Revenue beat(2)2
Avg Revenue beat(2)2.53%
Min Revenue beat(2)2.15%
Max Revenue beat(2)2.91%
Revenue beat(4)4
Avg Revenue beat(4)2.15%
Min Revenue beat(4)0.89%
Max Revenue beat(4)2.91%
Revenue beat(8)6
Avg Revenue beat(8)5.83%
Revenue beat(12)9
Avg Revenue beat(12)5.02%
Revenue beat(16)13
Avg Revenue beat(16)8.57%
PT rev (1m)-8.08%
PT rev (3m)-13.2%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.88%
EPS NY rev (1m)-17.61%
EPS NY rev (3m)-17.86%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.54%
Revenue NY rev (1m)-0.87%
Revenue NY rev (3m)-0.13%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.55 | ||
| Fwd PE | 8.58 | ||
| P/S | 1.44 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.84 | ||
| P/tB | 0.9 | ||
| EV/EBITDA | 1.53 |
EPS(TTM)0.44
EY4.44%
EPS(NY)1.16
Fwd EY11.66%
FCF(TTM)-23.54
FCFYN/A
OCF(TTM)-23.07
OCFYN/A
SpS6.89
BVpS11.75
TBVpS11.01
PEG (NY)0.5
PEG (5Y)1.94
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.48% | ||
| ROE | 3.83% | ||
| ROCE | 4.85% | ||
| ROIC | 0.47% | ||
| ROICexc | 0.52% | ||
| ROICexgc | 0.53% | ||
| OM | 8.27% | ||
| PM (TTM) | 6.52% | ||
| GM | 100% | ||
| FCFM | N/A |
ROA(3y)1.52%
ROA(5y)-1.03%
ROE(3y)10.61%
ROE(5y)1.62%
ROIC(3y)0.81%
ROIC(5y)N/A
ROICexc(3y)0.94%
ROICexc(5y)N/A
ROICexgc(3y)0.98%
ROICexgc(5y)N/A
ROCE(3y)6.99%
ROCE(5y)N/A
ROICexcg growth 3Y10.19%
ROICexcg growth 5YN/A
ROICexc growth 3Y11.89%
ROICexc growth 5YN/A
OM growth 3Y52.19%
OM growth 5YN/A
PM growth 3Y42.12%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5Y5.79%
F-Score3
Asset Turnover0.07
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.76 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 73.19 | ||
| Cap/Depr | 92.3% | ||
| Cap/Sales | 6.9% | ||
| Interest Coverage | 0.17 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.11 | ||
| Quick Ratio | 0.11 | ||
| Altman-Z | -0.81 |
F-Score3
WACC5.02%
ROIC/WACC0.09
Cap/Depr(3y)125.69%
Cap/Depr(5y)209.79%
Cap/Sales(3y)6.55%
Cap/Sales(5y)6.13%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)29.41%
EPS 3Y51.27%
EPS 5Y11.6%
EPS Q2Q%-9.09%
EPS Next Y44.97%
EPS Next 2Y60.33%
EPS Next 3Y49.34%
EPS Next 5YN/A
Revenue 1Y (TTM)13.32%
Revenue growth 3Y-1.3%
Revenue growth 5Y-4.78%
Sales Q2Q%20.49%
Revenue Next Year19.52%
Revenue Next 2Y19.32%
Revenue Next 3Y21.54%
Revenue Next 5YN/A
EBIT growth 1Y19.2%
EBIT growth 3Y50.21%
EBIT growth 5YN/A
EBIT Next Year-20.44%
EBIT Next 3Y14.08%
EBIT Next 5YN/A
FCF growth 1Y-124.77%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-131.76%
OCF growth 3YN/A
OCF growth 5YN/A