LENDINGCLUB CORP (LC) Stock Fundamental Analysis

NYSE:LC • US52603A2087

16.23 USD
+0.72 (+4.64%)
At close: Feb 18, 2026
16.5 USD
+0.27 (+1.66%)
After Hours: 2/18/2026, 5:52:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Overall LC gets a fundamental rating of 4 out of 10. We evaluated LC against 54 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!


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • LC had positive earnings in the past year.
  • In the past year LC has reported a negative cash flow from operations.
  • Each year in the past 5 years LC has been profitable.
  • 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

  • With a Return On Assets value of 0.94%, LC is not doing good in the industry: 70.37% of the companies in the same industry are doing better.
  • LC has a worse Return On Equity (7.10%) than 70.37% of its industry peers.
  • With a Return On Invested Capital value of 0.99%, LC is not doing good in the industry: 61.11% of the companies in the same industry are doing better.
  • The Average Return On Invested Capital over the past 3 years for LC is significantly below the industry average of 12.20%.
  • The last Return On Invested Capital (0.99%) for LC is above the 3 year average (0.73%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 0.94%
ROE 7.1%
ROIC 0.99%
ROA(3y)0.7%
ROA(5y)1.22%
ROE(3y)5.33%
ROE(5y)8.61%
ROIC(3y)0.73%
ROIC(5y)0.81%
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

  • LC has a Profit Margin of 10.94%. This is comparable to the rest of the industry: LC outperforms 48.15% of its industry peers.
  • In the last couple of years the Profit Margin of LC has declined.
  • The Operating Margin of LC (14.54%) is comparable to the rest of the industry.
  • LC's Operating Margin has been stable in the last couple of years.
  • Looking at the Gross Margin, with a value of 105.19%, LC belongs to the top of the industry, outperforming 96.30% of the companies in the same industry.
  • LC's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 14.54%
PM (TTM) 10.94%
GM 105.19%
OM growth 3Y0.95%
OM growth 5YN/A
PM growth 3Y-25.32%
PM growth 5YN/A
GM growth 3Y-9.21%
GM growth 5Y1.64%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

0

2. Health

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 an improved 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 -0.75. This is a bad value and indicates that LC is not financially healthy and even has some risk of bankruptcy.
  • LC has a Altman-Z score of -0.75. This is in the lower half of the industry: LC underperforms 66.67% of its industry peers.
  • A Debt/Equity ratio of 6.46 is on the high side and indicates that LC has dependencies on debt financing.
  • With a Debt to Equity ratio value of 6.46, LC is not doing good in the industry: 70.37% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 6.46
Debt/FCF N/A
Altman-Z -0.75
ROIC/WACC0.2
WACC5.1%
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 1B -1B 2B -2B 3B

2.3 Liquidity

  • LC has a Current Ratio of 0.09. This is a bad value and indicates that LC is not financially healthy enough and could expect problems in meeting its short term obligations.
  • LC has a Current ratio of 0.09. This is in the lower half of the industry: LC underperforms 74.07% of its industry peers.
  • LC has a Quick Ratio of 0.09. This is a bad value and indicates that LC is not financially healthy enough and could expect problems in meeting its short term obligations.
  • With a Quick ratio value of 0.09, LC is not doing good in the industry: 74.07% of the companies in the same industry are doing better.
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

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

8

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 155.56% over the past year.
  • Measured over the past years, LC shows a decrease in Earnings Per Share. The EPS has been decreasing by -6.12% on average per year.
  • LC shows a strong growth in Revenue. In the last year, the Revenue has grown by 38.04%.
  • LC shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 23.95% yearly.
EPS 1Y (TTM)155.56%
EPS 3Y-6.12%
EPS 5YN/A
EPS Q2Q%337.5%
Revenue 1Y (TTM)38.04%
Revenue growth 3Y3.98%
Revenue growth 5Y23.95%
Sales Q2Q%22.68%

3.2 Future

  • Based on estimates for the next years, LC will show a very strong growth in Earnings Per Share. The EPS will grow by 45.65% on average per year.
  • LC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.46% yearly.
EPS Next Y51.54%
EPS Next 2Y44.82%
EPS Next 3Y45.65%
EPS Next 5YN/A
Revenue Next Year10.54%
Revenue Next 2Y13.31%
Revenue Next 3Y13.46%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of 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

5

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 14.11, the valuation of LC can be described as correct.
  • LC's Price/Earnings ratio is a bit more expensive when compared to the industry. LC is more expensive than 61.11% of the companies in the same industry.
  • LC's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.27.
  • A Price/Forward Earnings ratio of 9.31 indicates a reasonable valuation of LC.
  • LC's Price/Forward Earnings ratio is in line with the industry average.
  • LC is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.16, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 14.11
Fwd PE 9.31
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 a bit cheaper when compared to the industry. LC is cheaper than 79.63% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 4.61
LC Per share dataLC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 -10

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)0.27
PEG (5Y)N/A
EPS Next 2Y44.82%
EPS Next 3Y45.65%

More info and screens

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

0

5. Dividend

5.1 Amount

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

More info and screens

Find the best dividend stocksShow peers with best dividend

LENDINGCLUB CORP

NYSE:LC (2/18/2026, 5:52:01 PM)

After market: 16.5 +0.27 (+1.66%)

16.23

+0.72 (+4.64%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-28
Earnings (Next)04-27
Inst Owners85.69%
Inst Owner Change-3.27%
Ins Owners2.86%
Ins Owner Change0.35%
Market Cap1.87B
Revenue(TTM)1.09B
Net Income(TTM)103.84M
Analysts86
Price Target24.49 (50.89%)
Short Float %4.25%
Short Ratio2.21
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)2
Avg EPS beat(2)63.7%
Min EPS beat(2)18.41%
Max EPS beat(2)108.99%
EPS beat(4)2
Avg EPS beat(4)26.06%
Min EPS beat(4)-14.55%
Max EPS beat(4)108.99%
EPS beat(8)6
Avg EPS beat(8)141.28%
EPS beat(12)9
Avg EPS beat(12)107.46%
EPS beat(16)13
Avg EPS beat(16)86.27%
Revenue beat(2)2
Avg Revenue beat(2)3.42%
Min Revenue beat(2)0.81%
Max Revenue beat(2)6.02%
Revenue beat(4)3
Avg Revenue beat(4)1.9%
Min Revenue beat(4)-1.37%
Max Revenue beat(4)6.02%
Revenue beat(8)7
Avg Revenue beat(8)6.73%
Revenue beat(12)8
Avg Revenue beat(12)4.23%
Revenue beat(16)12
Avg Revenue beat(16)4.33%
PT rev (1m)7.06%
PT rev (3m)18.57%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.63%
EPS NY rev (1m)2.52%
EPS NY rev (3m)10.2%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.07%
Revenue NY rev (1m)-4.63%
Revenue NY rev (3m)-3.66%
Valuation
Industry RankSector Rank
PE 14.11
Fwd PE 9.31
P/S 1.97
P/FCF N/A
P/OCF N/A
P/B 1.28
P/tB 1.36
EV/EBITDA 4.61
EPS(TTM)1.15
EY7.09%
EPS(NY)1.74
Fwd EY10.74%
FCF(TTM)-18.64
FCFYN/A
OCF(TTM)-17.41
OCFYN/A
SpS8.23
BVpS12.67
TBVpS11.95
PEG (NY)0.27
PEG (5Y)N/A
Graham Number18.11
Profitability
Industry RankSector Rank
ROA 0.94%
ROE 7.1%
ROCE 10.28%
ROIC 0.99%
ROICexc 1.08%
ROICexgc 1.1%
OM 14.54%
PM (TTM) 10.94%
GM 105.19%
FCFM N/A
ROA(3y)0.7%
ROA(5y)1.22%
ROE(3y)5.33%
ROE(5y)8.61%
ROIC(3y)0.73%
ROIC(5y)0.81%
ROICexc(3y)0.81%
ROICexc(5y)0.92%
ROICexgc(3y)0.84%
ROICexgc(5y)0.96%
ROCE(3y)7.6%
ROCE(5y)7.18%
ROICexgc growth 3Y-10.23%
ROICexgc growth 5YN/A
ROICexc growth 3Y-10.14%
ROICexc growth 5YN/A
OM growth 3Y0.95%
OM growth 5YN/A
PM growth 3Y-25.32%
PM growth 5YN/A
GM growth 3Y-9.21%
GM growth 5Y1.64%
F-Score5
Asset Turnover0.09
Health
Industry RankSector Rank
Debt/Equity 6.46
Debt/FCF N/A
Debt/EBITDA 45.26
Cap/Depr 200.86%
Cap/Sales 14.95%
Interest Coverage 0.38
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.09
Quick Ratio 0.09
Altman-Z -0.75
F-Score5
WACC5.1%
ROIC/WACC0.2
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
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 Y51.54%
EPS Next 2Y44.82%
EPS Next 3Y45.65%
EPS Next 5YN/A
Revenue 1Y (TTM)38.04%
Revenue growth 3Y3.98%
Revenue growth 5Y23.95%
Sales Q2Q%22.68%
Revenue Next Year10.54%
Revenue Next 2Y13.31%
Revenue Next 3Y13.46%
Revenue Next 5YN/A
EBIT growth 1Y104.05%
EBIT growth 3Y4.97%
EBIT growth 5YN/A
EBIT Next Year32.89%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y35.07%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y38.46%
OCF growth 3YN/A
OCF growth 5YN/A

LENDINGCLUB CORP / LC 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 5 / 10 to LENDINGCLUB CORP (LC). This can be considered as Fairly Valued.


What is the profitability of LC stock?

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


Can you provide the expected EPS growth for LC stock?

The Earnings per Share (EPS) of LENDINGCLUB CORP (LC) is expected to grow by 51.54% in the next year.