LENDINGCLUB CORP (LC) Stock Fundamental Analysis
USA - NYSE:LC - US52603A2087 - Common Stock
15.055 USD
-0.28 (-1.79%)
We assign a fundamental rating of 3 out of 10 to LC. LC was compared to 55 industry peers in the Consumer Finance industry. While LC is still in line with the averages on profitability rating, there are concerns on its financial health. LC has a decent growth rate and is not valued too expensively.
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.
LC had positive earnings in 4 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.
1.2 Ratios
LC has a worse Return On Assets (0.69%) than 61.82% of its industry peers.
LC has a worse Return On Equity (5.26%) than 60.00% of its industry peers.
Looking at the Return On Invested Capital, with a value of 0.70%, LC is in line with its industry, outperforming 45.45% of the companies in the same industry.
LC had an Average Return On Invested Capital over the past 3 years of 0.81%. This is significantly below the industry average of 10.98%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.69% | ||
| ROE | 5.26% | ||
| ROIC | 0.7% |
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
LC's Profit Margin of 8.36% is in line compared to the rest of the industry. LC outperforms 47.27% of its industry peers.
LC's Profit Margin has improved in the last couple of years.
LC has a Operating Margin (11.16%) which is comparable to the rest of the industry.
In the last couple of years the Operating Margin of LC has grown nicely.
Looking at the Gross Margin, with a value of 100.00%, LC belongs to the top of the industry, outperforming 96.36% of the companies in the same industry.
LC's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 11.16% | ||
| PM (TTM) | 8.36% | ||
| 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.
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.
2.2 Solvency
LC has an Altman-Z score of -0.77. 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 -0.77. This is in the lower half of the industry: LC underperforms 67.27% of its industry peers.
LC has a Debt/Equity ratio of 6.54. This is a high value indicating a heavy dependency on external financing.
LC has a worse Debt to Equity ratio (6.54) than 78.18% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.54 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -0.77 |
ROIC/WACC0.12
WACC5.61%
2.3 Liquidity
LC has a Current Ratio of 0.08. 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 worse Current ratio (0.08) than 76.36% of its industry peers.
A Quick Ratio of 0.08 indicates that LC may have some problems paying its short term obligations.
The Quick ratio of LC (0.08) is worse than 76.36% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.08 | ||
| Quick Ratio | 0.08 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 68.42% over the past year.
The Earnings Per Share has been growing by 11.60% on average over the past years. This is quite good.
LC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 17.35%.
LC shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -4.78% yearly.
EPS 1Y (TTM)68.42%
EPS 3Y51.27%
EPS 5Y11.6%
EPS Q2Q%153.85%
Revenue 1Y (TTM)17.35%
Revenue growth 3Y-1.3%
Revenue growth 5Y-4.78%
Sales Q2Q%32.68%
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 62.51% on average per year.
The Revenue is expected to grow by 19.82% on average over the next years. This is quite good.
EPS Next Y135.05%
EPS Next 2Y78.66%
EPS Next 3Y62.51%
EPS Next 5YN/A
Revenue Next Year26.48%
Revenue Next 2Y20.88%
Revenue Next 3Y19.82%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
LC is valuated rather expensively with a Price/Earnings ratio of 23.52.
Based on the Price/Earnings ratio, LC is valued a bit more expensive than the industry average as 72.73% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 27.34. LC is around the same levels.
The Price/Forward Earnings ratio is 10.48, which indicates a very decent valuation of LC.
Compared to the rest of the industry, the Price/Forward Earnings ratio of LC is on the same level as its industry peers.
LC is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.86, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.52 | ||
| Fwd PE | 10.48 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of LC indicates a somewhat cheap valuation: LC is cheaper than 78.18% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 6.24 |
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.
A more expensive valuation may be justified as LC's earnings are expected to grow with 62.51% in the coming years.
PEG (NY)0.17
PEG (5Y)2.03
EPS Next 2Y78.66%
EPS Next 3Y62.51%
5. Dividend
5.1 Amount
No dividends for LC!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSE:LC (10/14/2025, 9:43:20 AM)
15.055
-0.28 (-1.79%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners80.78%
Inst Owner Change1.51%
Ins Owners2.88%
Ins Owner Change0.39%
Market Cap1.73B
Analysts83.16
Price Target18.42 (22.35%)
Short Float %5.01%
Short Ratio2.98
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)50.2%
Min EPS beat(2)-8.6%
Max EPS beat(2)108.99%
EPS beat(4)2
Avg EPS beat(4)41.34%
Min EPS beat(4)-14.55%
Max EPS beat(4)108.99%
EPS beat(8)6
Avg EPS beat(8)142.93%
EPS beat(12)9
Avg EPS beat(12)106.52%
EPS beat(16)13
Avg EPS beat(16)134.03%
Revenue beat(2)1
Avg Revenue beat(2)2.33%
Min Revenue beat(2)-1.37%
Max Revenue beat(2)6.02%
Revenue beat(4)3
Avg Revenue beat(4)2.43%
Min Revenue beat(4)-1.37%
Max Revenue beat(4)6.02%
Revenue beat(8)6
Avg Revenue beat(8)6.5%
Revenue beat(12)8
Avg Revenue beat(12)4.2%
Revenue beat(16)12
Avg Revenue beat(16)4.79%
PT rev (1m)0%
PT rev (3m)16.02%
EPS NQ rev (1m)0%
EPS NQ rev (3m)70.78%
EPS NY rev (1m)5.61%
EPS NY rev (3m)59.3%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)7.77%
Revenue NY rev (1m)0%
Revenue NY rev (3m)5.88%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.52 | ||
| Fwd PE | 10.48 | ||
| P/S | 1.95 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.23 | ||
| P/tB | 1.31 | ||
| EV/EBITDA | 6.24 |
EPS(TTM)0.64
EY4.25%
EPS(NY)1.44
Fwd EY9.54%
FCF(TTM)-17.79
FCFYN/A
OCF(TTM)-16.62
OCFYN/A
SpS7.72
BVpS12.25
TBVpS11.53
PEG (NY)0.17
PEG (5Y)2.03
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.69% | ||
| ROE | 5.26% | ||
| ROCE | 7.03% | ||
| ROIC | 0.7% | ||
| ROICexc | 0.75% | ||
| ROICexgc | 0.77% | ||
| OM | 11.16% | ||
| PM (TTM) | 8.36% | ||
| 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-Score4
Asset Turnover0.08
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.54 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 57.04 | ||
| Cap/Depr | 213.61% | ||
| Cap/Sales | 15.07% | ||
| Interest Coverage | 0.27 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.08 | ||
| Quick Ratio | 0.08 | ||
| Altman-Z | -0.77 |
F-Score4
WACC5.61%
ROIC/WACC0.12
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)68.42%
EPS 3Y51.27%
EPS 5Y11.6%
EPS Q2Q%153.85%
EPS Next Y135.05%
EPS Next 2Y78.66%
EPS Next 3Y62.51%
EPS Next 5YN/A
Revenue 1Y (TTM)17.35%
Revenue growth 3Y-1.3%
Revenue growth 5Y-4.78%
Sales Q2Q%32.68%
Revenue Next Year26.48%
Revenue Next 2Y20.88%
Revenue Next 3Y19.82%
Revenue Next 5YN/A
EBIT growth 1Y70.53%
EBIT growth 3Y50.21%
EBIT growth 5YN/A
EBIT Next Year72.16%
EBIT Next 3Y13.62%
EBIT Next 5YN/A
FCF growth 1Y-2095.08%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-1244.3%
OCF growth 3YN/A
OCF growth 5YN/A