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LendingClub Corporation (LC)
Price$17.15
Value ScoreC
Growth ScoreC
Momentum ScoreB
Favorite Metrics
Price vs S&P 500 (26W)-13.17%
Price vs S&P 500 (4W)3.07%
VGM Score54.17
Market Capitalization$1.98B
P/E Ratio (Annual)14.58x
All Metrics
Book Value / Share (Quarterly)$13.19
P/TBV (Annual)1.46x
Revenue Growth (3Y)12.35%
Cash Flow / Share (Quarterly)$-27.36
Price vs S&P 500 (YTD)-17.61%
Gross Margin (TTM)70.90%
Net Profit Margin (TTM)15.78%
EPS (TTM)$1.49
10-Day Avg Trading Volume1.99M
EPS Excl Extra (TTM)$1.49
Revenue Growth (5Y)2.92%
EPS (Annual)$1.16
Dividend / Share (Annual)$0.01
ROI (Annual)1.19%
Gross Margin (Annual)67.79%
Net Profit Margin (5Y Avg)-1.32%
Cash / Share (Quarterly)$6.94
P/E Basic Excl Extra (TTM)11.27x
Revenue Growth QoQ (YoY)-15.86%
P/E Normalized (Annual)14.58x
ROA (Last FY)1.17%
Revenue Growth TTM (YoY)-28.93%
EBITD / Share (TTM)$2.50
ROE (5Y Avg)8.61%
Operating Margin (TTM)21.01%
Cash Flow / Share (Annual)$-24.85
P/B Ratio1.30x
P/B Ratio (Quarterly)1.08x
Net Income / Employee (Annual)$126,200
EV / Revenue (TTM)13.43x
ROA (TTM)1.55%
EPS Growth QoQ (YoY)337.61%
EV / EBITDA (TTM)38.90x
EPS Incl Extra (Annual)$1.16
Current Ratio (Annual)0.09x
Quick Ratio (Quarterly)0.08x
3-Month Avg Trading Volume2.26M
52-Week Price Return68.80%
EV / Free Cash Flow (Annual)23.03x
P/E Incl Extra (TTM)11.27x
Revenue / Employee (TTM)$790,500
Tangible BV / Share (Quarterly)$13.13
P/S Ratio (Annual)1.70x
Asset Turnover (Annual)0.11x
52-Week High$21.67
Operating Margin (5Y Avg)-3.11%
EPS Excl Extra (Annual)$1.16
CapEx CAGR (5Y)35.17%
Tangible BV CAGR (5Y)15.94%
26-Week Price Return-5.25%
Quick Ratio (Annual)0.09x
13-Week Price Return13.28%
Total Debt / Equity (Annual)6.59x
Current Ratio (Quarterly)0.08x
Enterprise Value$11.41B
Revenue / Share Growth (5Y)-2.28%
Asset Turnover (TTM)0.08x
Book Value / Share Growth (5Y)9.61%
Revenue / Employee (Annual)$1,079,900
Pretax Margin (Annual)5.60%
Cash / Share (Annual)$7.95
3-Month Return Std Dev47.28%
Gross Margin (5Y Avg)70.54%
Net Income / Employee (TTM)$163,400
ROE (Last FY)9.04%
EPS Basic Excl Extra (Annual)$1.16
P/FCF (TTM)5.14x
Receivables Turnover (TTM)18.19x
EV / Free Cash Flow (TTM)174.05x
Total Debt / Equity (Quarterly)6.72x
EPS Incl Extra (TTM)$1.49
Receivables Turnover (Annual)31.25x
ROI (TTM)1.57%
P/S Ratio (TTM)2.33x
Pretax Margin (5Y Avg)-3.11%
Revenue / Share (Annual)$10.26
Tangible BV / Share (Annual)$12.94
Forward P/E9.82x
Price vs S&P 500 (52W)44.43%
P/E Ratio (TTM)11.27x
EPS Growth TTM (YoY)236.03%
Year-to-Date Return-9.45%
5-Day Price Return-6.74%
EPS Normalized (Annual)$1.16
ROA (5Y Avg)1.22%
Net Profit Margin (Annual)4.42%
Month-to-Date Return-3.92%
Cash Flow / Share (TTM)$0.93
EBITD / Share (Annual)$2.05
EPS Growth (3Y)-25.38%
Operating Margin (Annual)5.60%
LT Debt / Equity (Annual)1.07x
ROI (5Y Avg)1.26%
P/E Excl Extra (TTM)11.27x
LT Debt / Equity (Quarterly)1.07x
EPS Basic Excl Extra (TTM)$1.49
P/TBV (Quarterly)1.09x
Payout Ratio (Annual)2.20%
P/B Ratio (Annual)1.46x
Pretax Margin (TTM)21.01%
Book Value / Share (Annual)$13.01
Price vs S&P 500 (13W)5.02%
Beta1.97x
P/FCF (Annual)6.46x
Revenue / Share (TTM)$7.24
ROE (TTM)11.92%
52-Week Low$10.12
vGradeC
gGradeC
mGradeB
vgmGradeC
Show chart for
Earnings Surprise History
Q1 260.44est. 0.37
Analyst Recommendations
Feb 2026
Mar 2026
Apr 2026
May 2026
4.30
4.37
4.37
4.37
Industry Peers — Personal Credit Institutions(14)
| Symbol | Value Score | Growth Score | Momentum Score | Price |
|---|---|---|---|---|
LCLendingClub Corporation | C | C | B | $17.15 |
| AFRMAffirm Holdings, Inc. Class A Common Stock | D | B | B | $63.61 |
| OMFOneMain Holdings, Inc. | B | D | B | $55.36 |
| CACCCredit Acceptance Corp | C | C | B | $544.71 |
| NNINelnet, Inc. Class A | C | C | B | $129.03 |
| SLMSLM Corporation | C | C | B | $22.39 |
| ENVAEnova International, Inc. | C | C | A | $168.82 |
| BFHBread Financial Holdings, Inc. | B | C | A | $91.11 |
| ATLCAtlanticus Holdings Corporation | C | C | A | $84.10 |
| ATLCLAtlanticus Holdings Corporation 6.125% Senior Notes due 2026 | C | C | A | $25.18 |
| ATLCZAtlanticus Holdings Corporation 9.25% Senior Notes due 2029 | C | C | A | $25.60 |
About
LendingClub operates an online lending marketplace connecting borrowers and investors across personal, education, patient finance, small business, and auto segments. The platform democratizes access to loan assets for retail investors, an asset class traditionally available only to institutional investors. The company generates revenue through transaction fees earned on loan originations facilitated through bank partners.