LENDINGCLUB CORP (LC) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:LC • US52603A2087

16.94 USD
+1.25 (+7.97%)
At close: Feb 6, 2026
16.89 USD
-0.05 (-0.3%)
After Hours: 2/6/2026, 6:30:00 PM
Fundamental Rating

2

Taking everything into account, LC scores 2 out of 10 in our fundamental rating. LC was compared to 54 industry peers in the Consumer Finance industry. LC has a bad profitability rating. Also its financial health evaluation is rather negative. LC has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

1

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.
  • In multiple years LC reported negative net income over the last 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 200M -200M 400M -400M -600M

1.2 Ratios

  • LC's Return On Assets of -1.11% is on the low side compared to the rest of the industry. LC is outperformed by 87.04% of its industry peers.
  • LC has a Return On Equity of -14.45%. This is amonst the worse of the industry: LC underperforms 87.04% of its industry peers.
  • LC has a Return On Invested Capital (0.94%) which is comparable to the rest of the industry.
Industry RankSector Rank
ROA -1.11%
ROE -14.45%
ROIC 0.94%
ROA(3y)-1.18%
ROA(5y)0.1%
ROE(3y)-15.76%
ROE(5y)-4.04%
ROIC(3y)N/A
ROIC(5y)N/A
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 Operating Margin (14.54%) which is comparable to the rest of the industry.
  • The Profit Margin and Gross Margin are not available for LC so they could not be analyzed.
Industry RankSector Rank
OM 14.54%
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
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 -50 100

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ROAROEROICOperating and Profit MarginShow most profitable peers

0

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.
  • Compared to 5 years ago, LC has less 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

  • LC has an Altman-Z score of -0.68. This is a bad value and indicates that LC is not financially healthy and even has some risk of bankruptcy.
  • LC has a worse Altman-Z score (-0.68) than 66.67% of its industry peers.
  • A Debt/Equity ratio of 12.00 is on the high side and indicates that LC has dependencies on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 12.00, LC is doing worse than 85.19% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 12
Debt/FCF N/A
Altman-Z -0.68
ROIC/WACC0.06
WACC14.48%
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 2B 3B

2.3 Liquidity

  • A Current Ratio of 0.09 indicates that LC may have some problems paying its short term obligations.
  • Looking at the Current ratio, with a value of 0.09, LC is doing worse than 75.93% of the companies in the same industry.
  • A Quick Ratio of 0.09 indicates that LC may have some problems paying its short term obligations.
  • LC has a Quick ratio of 0.09. This is in the lower half of the industry: LC underperforms 75.93% of its industry peers.
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

5

3. Growth

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.
  • The Earnings Per Share has been decreasing by -6.12% on average over the past years.
  • Looking at the last year, LC shows a decrease in Revenue. The Revenue has decreased by -0.80% in the last year.
  • Measured over the past years, LC shows a very negative growth in Revenue. The Revenue has been decreasing by -12.44% on average per year.
EPS 1Y (TTM)155.56%
EPS 3Y-6.12%
EPS 5YN/A
EPS Q2Q%337.5%
Revenue 1Y (TTM)-0.8%
Revenue growth 3Y-41.74%
Revenue growth 5Y-12.44%
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 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.
  • 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.
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

  • The Price/Earnings ratio is 14.73, which indicates a correct valuation of LC.
  • Based on the Price/Earnings ratio, LC is valued a bit more expensive than the industry average as 61.11% of the companies are valued more cheaply.
  • Compared to an average S&P500 Price/Earnings ratio of 27.92, LC is valued a bit cheaper.
  • A Price/Forward Earnings ratio of 9.72 indicates a reasonable valuation of LC.
  • LC's Price/Forward Earnings is on the same level as the industry average.
  • LC is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.78, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 14.73
Fwd PE 9.72
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 in line with the industry average.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 15.39
LC Per share dataLC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8

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.
  • A more expensive valuation may be justified as LC's earnings are expected to grow with 45.65% in the coming years.
PEG (NY)0.29
PEG (5Y)N/A
EPS Next 2Y44.82%
EPS Next 3Y45.65%

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

0

5. Dividend

5.1 Amount

  • No dividends for LC!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

LENDINGCLUB CORP

NYSE:LC (2/6/2026, 6:30:00 PM)

After market: 16.89 -0.05 (-0.3%)

16.94

+1.25 (+7.97%)

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-3.23%
Ins Owners2.86%
Ins Owner Change0.35%
Market Cap1.95B
Revenue(TTM)780.74M
Net Income(TTM)-132.62M
Analysts86
Price Target24.49 (44.57%)
Short Float %3.73%
Short Ratio2.14
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend0.02
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)3.34%
PT rev (3m)14.45%
EPS NQ rev (1m)0.76%
EPS NQ rev (3m)14.98%
EPS NY rev (1m)0.2%
EPS NY rev (3m)11.38%
Revenue NQ rev (1m)-0.02%
Revenue NQ rev (3m)1.22%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.38%
Valuation
Industry RankSector Rank
PE 14.73
Fwd PE 9.72
P/S 2.06
P/FCF N/A
P/OCF N/A
P/B 2.13
P/tB 2.33
EV/EBITDA 15.39
EPS(TTM)1.15
EY6.79%
EPS(NY)1.74
Fwd EY10.29%
FCF(TTM)-1.85
FCFYN/A
OCF(TTM)-1.67
OCFYN/A
SpS8.24
BVpS7.96
TBVpS7.28
PEG (NY)0.29
PEG (5Y)N/A
Graham Number14.35
Profitability
Industry RankSector Rank
ROA -1.11%
ROE -14.45%
ROCE 6.33%
ROIC 0.94%
ROICexc 1.01%
ROICexgc 1.03%
OM 14.54%
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)-1.18%
ROA(5y)0.1%
ROE(3y)-15.76%
ROE(5y)-4.04%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score1
Asset Turnover0.08
Health
Industry RankSector Rank
Debt/Equity 12
Debt/FCF N/A
Debt/EBITDA 66.46
Cap/Depr 72.9%
Cap/Sales 2.13%
Interest Coverage 0.41
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.09
Quick Ratio 0.09
Altman-Z -0.68
F-Score1
WACC14.48%
ROIC/WACC0.06
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)-0.8%
Revenue growth 3Y-41.74%
Revenue growth 5Y-12.44%
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 3YN/A
EBIT growth 5YN/A
EBIT Next Year32.89%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y93.56%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y94.09%
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 2 / 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 1 / 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.