LENDINGCLUB CORP (LC) Fundamental Analysis & Valuation

NYSE:LC • US52603A2087

Current stock price

13.87 USD
+0.07 (+0.51%)
At close:
13.87 USD
0 (0%)
After Hours:

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

5

1. LC Profitability Analysis

1.1 Basic Checks

  • In the past year LC was profitable.
  • LC had a negative operating cash flow in the past year.
  • LC had positive earnings in each of the past 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: LC reported negative operating cash flow in multiple 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 1.17%, LC is not doing good in the industry: 68.52% of the companies in the same industry are doing better.
  • Looking at the Return On Equity, with a value of 9.04%, LC is doing worse than 66.67% of the companies in the same industry.
  • The Return On Invested Capital of LC (1.22%) is comparable to the rest of the industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for LC is significantly below the industry average of 12.42%.
  • The 3 year average ROIC (0.74%) for LC is below the current ROIC(1.22%), indicating increased profibility in the last year.
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

  • LC has a Profit Margin (13.58%) which 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 fine compared to the rest of the industry. LC outperforms 62.96% of its industry peers.
  • In the last couple of years the Operating Margin of LC has grown nicely.
  • With an excellent Gross Margin value of 100.00%, LC belongs to the best 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 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

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), LC is destroying value.
  • LC has more shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, LC has more shares outstanding
  • The debt/assets ratio for LC is higher compared to a year ago.
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

  • Based on the Altman-Z score of -0.75, we must say that LC is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of -0.75, LC is doing worse than 66.67% of the companies in the same industry.
  • 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 -0.75
ROIC/WACC0.28
WACC4.41%
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.
  • 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 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

  • 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.
  • 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

  • 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.
  • Based on estimates for the next years, LC will show a quite strong growth in Revenue. The Revenue will grow by 13.46% on average per year.
EPS Next Y55.66%
EPS Next 2Y44.66%
EPS Next 3Y45.65%
EPS Next 5YN/A
Revenue Next Year9.76%
Revenue Next 2Y12.79%
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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6

4. LC Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 12.06, LC is valued correctly.
  • Based on the Price/Earnings ratio, LC is valued a bit more expensive than 61.11% of the companies in the same industry.
  • LC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.96.
  • A Price/Forward Earnings ratio of 7.75 indicates a rather cheap valuation of LC.
  • LC's Price/Forward Earnings ratio is in line with the industry average.
  • When comparing the Price/Forward Earnings ratio of LC to the average of the S&P500 Index (24.04), we can say LC is valued rather cheaply.
Industry RankSector Rank
PE 12.06
Fwd PE 7.75
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

  • Based on the Enterprise Value to EBITDA ratio, LC is valued cheaply inside the industry as 81.48% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 2.85
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 (3/16/2026, 8:04:00 PM)

After market: 13.87 0 (0%)

13.87

+0.07 (+0.51%)

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 Change1.04%
Market Cap1.60B
Revenue(TTM)998.85M
Net Income(TTM)135.68M
Analysts87.37
Price Target24.49 (76.57%)
Short Float %4.27%
Short Ratio2.13
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)8.27%
EPS NQ rev (1m)0%
EPS NQ rev (3m)17.24%
EPS NY rev (1m)2.72%
EPS NY rev (3m)10.35%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-4.75%
Revenue NY rev (1m)-0.71%
Revenue NY rev (3m)-5.46%
Valuation
Industry RankSector Rank
PE 12.06
Fwd PE 7.75
P/S 1.6
P/FCF N/A
P/OCF N/A
P/B 1.06
P/tB 1.13
EV/EBITDA 2.85
EPS(TTM)1.15
EY8.29%
EPS(NY)1.79
Fwd EY12.91%
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 -0.75
F-Score5
WACC4.41%
ROIC/WACC0.28
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 Year9.76%
Revenue Next 2Y12.79%
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.


What is the profitability of LC stock?

LENDINGCLUB CORP (LC) has a profitability rating of 5 / 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 55.66% in the next year.