LC$18.57
$18.6
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Performance
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AI LC Summary
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Powered by LiveAIOverall Analysis
BuyLendingClub shows a mixed bag of indicators. While its financial health and growth prospects are solid, current technicals suggest a cautious approach. The company's strong performance metrics and stable balance sheet are appealing, but the recent price action and some valuation metrics warrant monitoring.
Thematic
LendingClub operates in the fintech space, which benefits from digitalization trends. However, it faces increasing competition and regulatory scrutiny. Its business model is adapting to changing market dynamics.
Fundamental
LendingClub demonstrates strong profitability and a robust balance sheet. Its revenue and net income have shown positive trends, with a healthy net margin. The company maintains a manageable debt level and positive cash flow from operations.
Technical
The stock is showing signs of a short-term uptrend, with prices trading above key moving averages. However, some oscillators are indicating overbought conditions, suggesting potential for a short-term pullback.
| Factor | Score |
|---|---|
| Digitalization of Finance | 70 |
| Regulatory Landscape | 40 |
| Competitive Environment | 55 |
| Interest Rate Sensitivity | 35 |
| Factor | Score |
|---|---|
| Valuation | 70 |
| Profitability | 80 |
| Growth | 40 |
| Balance Sheet Health | 95 |
| Cash Flow | 20 |
| Factor | Score |
|---|---|
| Trend Analysis | 90 |
| Momentum | 70 |
| Volume Confirmation | 60 |
| Support & Resistance | 75 |
AI Investing Checklist
Powered by LiveAIBullish Points (5)
Positive EPS Surprises
Recent EPS reports have shown significant positive surprises, with the latest quarter (2025 Q2) exceeding estimates by 9.09% (reported 0.1 vs estimate 0.11, though note the negative surprise percentage for 2025 Q2 is -5.86%). This indicates strong earnings performance relative to expectations.
Attractive P/E Ratio
The trailing P/E ratio of 4.9 in 2022 was significantly lower than its 2021 P/E of 148.6, and the current TTM P/E of 39.6, while higher than 2022, is showing a trend of increasing profitability. The forward P/E ratios in 2024 and 2025 are also projected to be lower, suggesting potential undervaluation.
Bearish Points (7)
High Price-to-Sales Ratio
The Price/Sales ratio for 2024 is 2.3, and for 2023 is 1.6, which is relatively high compared to the 2022 P/S ratio of 1.2. The TTM P/S ratio of 2.2 suggests that sales are not generating as much value per dollar compared to prior years.
Slowing Revenue Growth
Annual revenue decreased from $1.187B in 2022 to $864.6M in 2023, indicating a significant slowdown in revenue generation.
Calendar
July 2019
8
Next Dividend Date
July 2025
30
Next Earnings Date
H: $0.22
A: $0.15
L: $0.09
H: 235.90M
A: 227.55M
L: 219.25M
Profile
LendingClub Corporation, operates as a bank holding company, that provides range of financial products and services in the United States. It offers deposit products, including savings accounts, checking accounts, and certificates of deposit. The company also provides loan products, such as consumer loans comprising unsecured personal loans, secured auto refinance loans, and patient and education finance loans; and commercial loans, including small business loans. In addition, it operates a lending marketplace platform. The company was incorporated in 2006 and is headquartered in San Francisco, California.
Seasonals
Price Target
15.35 USD
The 39 analysts offering 1 year price forecasts for LC have a max estimate of 19.50 and a min estimate of 12.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
Related Companies
Powered by LiveAIWeight: 100
A direct competitor to LendingClub, Upstart is an AI-driven lending platform specializing in personal loans. It uses non-traditional data to assess creditworthiness, similar to LC's technology-first approach in consumer lending.
Weight: 98
SoFi is a prominent digital bank and FinTech company that offers a wide range of financial products, including personal loans, student loan refinancing, banking, and investing, making it a direct and broad competitor to LendingClub's evolving digital bank model.
Weight: 95
Affirm is a leading player in the Buy Now, Pay Later (BNPL) space and point-of-sale financing. While different in loan structure, it competes with LendingClub for consumer credit, offering alternative ways for individuals to finance purchases.
Weight: 92
OneMain Financial is a large consumer finance company primarily focused on non-prime personal loans. It operates in a similar segment of the consumer lending market, albeit with a different customer demographic and branch-based presence in addition to online.