LENDINGCLUB CORP (LC) Stock Fundamental Analysis
USA - NYSE:LC - US52603A2087 - Common Stock
18.81 USD
+0.66 (+3.64%)
LC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 55 industry peers in the Consumer Finance industry. LC has a medium profitability rating, but doesn't score so well on its financial health evaluation. 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.
In the past year LC has reported a negative cash flow from operations.
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
Looking at the Return On Assets, with a value of 0.94%, LC is doing worse than 65.45% of the companies in the same industry.
With a Return On Equity value of 7.10%, LC is not doing good in the industry: 60.00% of the companies in the same industry are doing better.
LC has a Return On Invested Capital of 0.95%. This is comparable to the rest of the industry: LC outperforms 45.45% of its industry peers.
The Average Return On Invested Capital over the past 3 years for LC is significantly below the industry average of 11.58%.
The last Return On Invested Capital (0.95%) for LC is above the 3 year average (0.81%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.94% | ||
| ROE | 7.1% | ||
| ROIC | 0.95% |
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 has a Profit Margin of 10.94%. This is comparable to the rest of the industry: LC outperforms 52.73% of its industry peers.
In the last couple of years the Profit Margin of LC has grown nicely.
LC has a Operating Margin of 14.54%. This is comparable to the rest of the industry: LC outperforms 60.00% of its industry peers.
LC's Operating Margin has improved in the last couple of years.
With a decent Gross Margin value of 82.88%, LC is doing good in the industry, outperforming 78.18% of the companies in the same industry.
LC's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.54% | ||
| PM (TTM) | 10.94% | ||
| GM | 82.88% |
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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 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 more shares outstanding
Compared to 1 year ago, LC has a worse debt to assets ratio.
2.2 Solvency
LC has an Altman-Z score of -0.72. This is a bad value and indicates that LC is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of LC (-0.72) is worse than 67.27% of its industry peers.
LC has a Debt/Equity ratio of 6.44. This is a high value indicating a heavy dependency on external financing.
LC has a Debt to Equity ratio of 6.44. This is in the lower half of the industry: LC underperforms 76.36% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.44 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -0.72 |
ROIC/WACC0.16
WACC5.94%
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.
The Current ratio of LC (0.09) is worse than 76.36% 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.
The Quick ratio of LC (0.09) is worse than 76.36% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.09 | ||
| Quick Ratio | 0.09 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 91.30% over the past year.
The Earnings Per Share has been growing by 11.60% on average over the past years. This is quite good.
The Revenue has grown by 25.70% in the past year. This is a very strong growth!
The Revenue has been decreasing by -4.78% on average over the past years.
EPS 1Y (TTM)91.3%
EPS 3Y51.27%
EPS 5Y11.6%
EPS Q2Q%184.62%
Revenue 1Y (TTM)25.7%
Revenue growth 3Y-1.3%
Revenue growth 5Y-4.78%
Sales Q2Q%31.88%
3.2 Future
LC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 69.43% yearly.
The Revenue is expected to grow by 19.91% on average over the next years. This is quite good.
EPS Next Y159.69%
EPS Next 2Y87.46%
EPS Next 3Y69.43%
EPS Next 5YN/A
Revenue Next Year27.98%
Revenue Next 2Y21.29%
Revenue Next 3Y19.91%
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
Based on the Price/Earnings ratio of 21.38, the valuation of LC can be described as rather expensive.
69.09% of the companies in the same industry are cheaper than LC, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.06. LC is around the same levels.
With a Price/Forward Earnings ratio of 11.89, the valuation of LC can be described as very reasonable.
LC's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 32.73, LC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.38 | ||
| Fwd PE | 11.89 |
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 | 6.15 |
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 69.43% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.13
PEG (5Y)1.84
EPS Next 2Y87.46%
EPS Next 3Y69.43%
5. Dividend
5.1 Amount
No dividends for LC!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSE:LC (11/10/2025, 11:24:44 AM)
18.81
+0.66 (+3.64%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners80.78%
Inst Owner Change1.05%
Ins Owners2.88%
Ins Owner Change0.29%
Market Cap2.16B
Revenue(TTM)949.58M
Net Income(TTM)103.84M
Analysts84.21
Price Target20.66 (9.84%)
Short Float %4.36%
Short Ratio2.83
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)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)12.15%
PT rev (3m)13.55%
EPS NQ rev (1m)13.2%
EPS NQ rev (3m)25.66%
EPS NY rev (1m)10.48%
EPS NY rev (3m)73.82%
Revenue NQ rev (1m)1.32%
Revenue NQ rev (3m)2.69%
Revenue NY rev (1m)1.19%
Revenue NY rev (3m)6.61%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.38 | ||
| Fwd PE | 11.89 | ||
| P/S | 2.27 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.48 | ||
| P/tB | 1.57 | ||
| EV/EBITDA | 6.15 |
EPS(TTM)0.88
EY4.68%
EPS(NY)1.58
Fwd EY8.41%
FCF(TTM)-18.74
FCFYN/A
OCF(TTM)-17.51
OCFYN/A
SpS8.28
BVpS12.74
TBVpS12.01
PEG (NY)0.13
PEG (5Y)1.84
Graham Number15.88
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.94% | ||
| ROE | 7.1% | ||
| ROCE | 9.44% | ||
| ROIC | 0.95% | ||
| ROICexc | 1.03% | ||
| ROICexgc | 1.06% | ||
| OM | 14.54% | ||
| PM (TTM) | 10.94% | ||
| GM | 82.88% | ||
| 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
ROICexgc growth 3Y10.19%
ROICexgc 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 Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.44 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 46.18 | ||
| Cap/Depr | 215.14% | ||
| 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 | -0.72 |
F-Score4
WACC5.94%
ROIC/WACC0.16
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)91.3%
EPS 3Y51.27%
EPS 5Y11.6%
EPS Q2Q%184.62%
EPS Next Y159.69%
EPS Next 2Y87.46%
EPS Next 3Y69.43%
EPS Next 5YN/A
Revenue 1Y (TTM)25.7%
Revenue growth 3Y-1.3%
Revenue growth 5Y-4.78%
Sales Q2Q%31.88%
Revenue Next Year27.98%
Revenue Next 2Y21.29%
Revenue Next 3Y19.91%
Revenue Next 5YN/A
EBIT growth 1Y104.05%
EBIT growth 3Y50.21%
EBIT growth 5YN/A
EBIT Next Year72.16%
EBIT Next 3Y13.62%
EBIT Next 5YN/A
FCF growth 1Y-511.99%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-596.45%
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.
Can you provide the valuation status for LENDINGCLUB CORP?
ChartMill assigns a valuation rating of 5 / 10 to LENDINGCLUB CORP (LC). This can be considered as Fairly Valued.
How profitable is LENDINGCLUB CORP (LC) stock?
LENDINGCLUB CORP (LC) has a profitability rating of 5 / 10.
What are the PE and PB ratios of LENDINGCLUB CORP (LC) stock?
The Price/Earnings (PE) ratio for LENDINGCLUB CORP (LC) is 21.38 and the Price/Book (PB) ratio is 1.48.
What is the financial health of LENDINGCLUB CORP (LC) stock?
The financial health rating of LENDINGCLUB CORP (LC) is 0 / 10.