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LendingClub Corporation LC R2K

Financial Services · Banks - Regional · United States
https://www.lendingclub.com
Company Profile ↓
$19.95
-1.97% 1Y
Mkt Cap$2.30B
P/E13.30
P/B1.46
52W High$20.35
52W Low$19.61
Book Value$13.19
EPS (TTM)$1.50

Company Overview

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; patient and education finance loans; and commercial loans, including small business loans. The company also provides consumer loans, such as Unsecured and unsecured, fixed-rate, and fixed-term consumer loans; and secured auto refinance loans. In addition, it operates a lending marketplace platform. The company was incorporated in 2006 and is headquartered in San Francisco, California.

Why Investors Should Care

Reasonable Valuation

Trades at an undemanding P/E of 13.3.

Healthy Margins

Operating margin of 20.0% supports profitability.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $998.85M (+26.9% YoY); net profit $135.68M.
  • Trailing 12 Months Year-on-year growth — revenue +12.5%, earnings +340.0%.
  • 5-Year Trend Long-term compounding — revenue CAGR -5.6%, profit CAGR -22.3%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-5.60%
1 Year:12.50%

Compounded Profit Growth

5 Years:-22.34%
1 Year:340.00%

Stock Price Performance

1 Year:-1.97%
6 Months:-
3 Months:-
1 Month:-

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot
52-Week Range 46% of range
$19.61 $20.35
Price Performance
1Y-1.97%
Valuation vs Sector

P/E of 13.30 is above the sector median of 13.30 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Generates positive free cash flow.

CONS

  • Revenue declined at -5.6% CAGR over 5 years.
  • Earnings shrank at -22.3% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
13.30
Industry PE
13.30
Forward P/E
8.68
PEG Ratio
-
Book Value
$13.19
Price to Book
1.46
P/S
1.61
EV/EBITDA
4.86
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
-5.60%
Profit 5Y
-22.34%
Revenue (YoY)
12.50%
Earnings (YoY)
340.00%

Profitability & Returns

ROCE
-
ROE
12.16%
ROA
1.27%
Profit Margin
12.80%
Op Margin
19.96%
Gross Margin
38.81%
EPS (Latest Qtr)
$0.44
EPS (TTM)
$1.50

Balance Sheet & Liquidity

Debt/Equity
0.82
Quick Ratio
1.93
Current Ratio
2.76
Debt
$12.48M
Total Assets
$11.94B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
3.19%
Chg in Prom Hold
-0.01%
FII / Inst Holding
90.98%
Chg in FII Hold
-0.01%

Financial Snapshot

Enterprise Value
$2.30B
Total Revenue (TTM)
$1.37B
EBITDA
$293.38M
Free Cash Flow
$285.40M
Operating Cash Flow
$-3.01B
Shares Outstanding
115.35M
Gross Margin
38.81%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 LC LendingClub Corporation R2K 19.95 13.30 $2.30B 0.00% - 12.16% -5.60% -22.34%
2 JPM JPMorgan Chase & Co. SPX 342.89 16.42 $918.78B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 491.09 14.61 $686.70B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 356.02 31.01 $590.89B 0.83% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 538.02 31.10 $471.86B 0.71% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 60.62 15.04 $430.20B 2.00% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 227.67 20.62 $359.10B 1.87% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,140.00 20.83 $336.31B 1.69% - 14.55% - 2.21%
9 WFC Wells Fargo & Company SPX 85.29 13.18 $261.00B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2014Jun 2014Sep 2014Mar 2015Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue ---------------112.06M136.88M138.87M-----------------217.71M248.44M266.23M266.47M252.25M
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense -----------------------------------82.10M82.85M83.36M87.56M84.97M
Pretax Income -----------------------------------15.70M53.98M57.24M50.03M67.33M
Tax Provision -----------------------------------4.02M15.81M12.96M8.47M15.72M
Net Income -7.30M-9.19M-7.37M-6.37M-4.14M950.00K4.57M4.14M-81.35M-36.49M-32.27M-29.84M-25.45M-6.53M-92.01M-31.18M-60.86M-22.80M-13.46M-19.93M-10.66M-383.00K234.00K-48.09M-78.47M-34.33M---13.67M10.11M5.01M12.25M14.90M14.46M11.67M38.18M44.27M41.55M51.60M
Diluted EPS -0.13-0.16-0.12-0.02-0.010.000.010.01-0.21-0.09-0.08-0.07-0.06-0.02-0.22-0.37-0.72-0.27-0.16-0.23-0.120.000.00---0.391.730.410.130.090.050.110.130.130.100.330.370.350.44
R&D Expense ---13.90M18.21M21.06M23.89M24.20M29.21M29.43M32.52M35.76M35.72M32.86M37.93M36.84M37.65M41.22M39.55M42.55M43.30M41.45M41.08M38.71M39.17M31.98M--------------

Profit & Loss (Annual)

Figures in USD.

Metric Mar 2011Mar 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 6.45M15.80M98.00M211.13M429.94M500.81M574.54M530.59M604.23M314.70M-1.19B864.62M787.01M998.85M
Cost of Revenue ---------------
Gross Profit ---------------
Operating Expenses ---------------
Operating Income ---------------
EBITDA ---------------
Interest Expense -----------82.52M270.79M373.92M335.87M
Pretax Income -----------153.04M54.62M65.07M176.95M
Tax Provision ------------136.65M15.68M13.74M41.27M
Net Income -11.94M-11.94M7.31M-32.89M-5.00M-145.97M-153.84M-128.31M-30.75M-187.54M-289.69M38.94M51.33M135.68M
Diluted EPS --1.360.00-0.44-0.01-0.38-1.88-1.52-0.35--2.790.360.451.16
R&D Expense --15.53M38.52M77.06M115.36M142.26M155.25M168.38M139.05M-----

Balance Sheet (Annual)

Figures in USD.

Metric Mar 2010Mar 2011Dec 2011Mar 2012Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -169.87M326.80M403.33M850.83M1.94B3.89B5.79B5.56B4.64B3.82B2.98B1.86B-7.98B8.83B10.63B11.57B
Current Assets ------------------
Cash & Equivalents 2.57M13.34M24.71M31.24M52.55M49.30M869.78M623.53M515.60M401.72M372.97M243.78M524.96M-1.06B1.25B954.06M917.65M
Inventory ------------------
Receivables --------------30.90M35.79M40.39M43.92M
Total Liabilities -154.36M294.26M366.99M798.62M1.88B2.92B4.75B4.59B3.71B2.95B2.08B1.14B-6.82B7.58B9.29B10.07B
Current Liabilities ------------------
Long Term Debt -------------310.62M130.28M19.35M--
Total Debt --------------207.57M57.22M28.50M15.83M
Total Equity -26.26M15.51M-46.23M36.34M52.21M68.09M973.22M1.04B975.77M922.50M869.20M900.19M724.17M-1.16B1.25B1.34B1.50B
Shares Outstanding --------------106.55M110.41M113.38M115.37M

Cash Flows (Annual)

Figures in USD.

Metric Mar 2011Mar 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow -9.50M-11.09M1.14M49.92M74.74M545.00K-573.39M-639.74M-270.64M418.03M-375.57M-1.14B-2.63B-2.73B
Investing Cash Flow -100.89M-218.81M-1.12B-1.26B-2.41B-325.88M998.57M878.74M653.77M565.77M--2.81B516.70M607.81M1.93B
Financing Cash Flow 121.16M247.80M1.12B2.03B2.09B314.48M-474.31M-239.23M-540.06M-842.44M-2.80B789.57M1.71B747.82M
Capital Expenditure -162.92K-383.00K-10.44M-20.57M-39.39M-51.84M-44.62M-52.98M-50.67M-31.15M--69.48M-59.51M-54.30M-140.34M
Free Cash Flow -9.67M-11.47M-9.30M29.35M35.35M-51.30M-618.00M-692.72M-321.31M386.88M-306.09M-1.20B-2.69B-2.87B
Net Change in Cash -----------360.90M169.66M-316.75M-46.96M
Share Buybacks ---0019.48M000------
Dividends Paid -------0050.20M00---

Ratios (Annual)

Figures in %.

Metric Mar 2011Mar 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ---------------
Operating Margin % ---------------
Net Margin % -185.3%-75.6%7.5%-15.6%-1.2%-29.1%-26.8%-24.2%-5.1%-59.6%-24.4%4.5%6.5%13.6%
ROE % -77.0%-32.9%10.7%-3.4%-0.5%-15.0%-16.7%-14.8%-3.4%-25.9%-24.9%3.1%3.8%9.0%
ROCE % ---------------

Shareholding Pattern

Insiders
3.19%
Institutions
90.98%
Public Float
93.98%

Top Institutional Holders

#Holder% HeldSharesValue
1 Wellington Management Group, LLP 11.06% 12.76M $245.08M
2 Blackrock Inc. 8.31% 9.59M $184.18M
3 Vanguard Portfolio Management LLC 6.62% 7.63M $146.65M
4 Dimensional Fund Advisors LP 4.99% 5.76M $110.65M
5 Vanguard Capital Management LLC 4.25% 4.91M $94.24M
6 Senvest Management LLC 3.94% 4.55M $87.34M
7 Fuller & Thaler Asset Management Inc. 2.96% 3.42M $65.70M
8 Geode Capital Management, LLC 2.70% 3.12M $59.85M
9 State Street Corporation 2.51% 2.89M $55.57M
10 Point72 Asset Management, L.P. 2.38% 2.75M $52.79M

Analyst View

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Latest News

Recent headlines for LC

Google News Sun, 12 Jul 2026

EXCLUSIVE: LendingClub CEO Explains Why Happen Bank Rebrand Puts Company In SoFi’s Lane - Stocktwits

<a href="https://news.google.com/rss/articles/CBMizgFBVV95cUxPalVoWlBKSENEeU5qeEh5S1lhZTkyOEdfRG9kOFdBOU94ZWxSV2NYaWVvN2pjYl8xTkZIWC02REJJcWRPNWlhRUdqMG5GYkJVQ3B3Rk91OEJWaVk5b2o1NU1naUh3YU5ZSVAzbWQ2T18wbjdHRE9FdGRocDJScThvTV8xRlJoVF9tNUVOOD…

Google News Fri, 12 Jun 2026

LendingClub (LC) Stock After Q1 EPS Jump And Rebrand Plans Is The Valuation Gap Still There - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMilwFBVV95cUxONkVxV1ZDNDV6RjVYYnlaZk1MQVVnbVoweXhyTl9FTm5KcVhRdFBvSHlxUkpzQllNaGNhRHVmd0JEWUloRlFBZ0FIUXNSemxZa1FrcHRseDdYVmpUdEdXano1czRZVkU3dWQ2X2t1WVNPR0Z4c1huWDdjQl9XQW5KU0pNM0dVREhuQVNhdT…

Google News ue, 14 Jul 2026

LendingClub Corporation $LC Shares Bought by Emerald Advisers LLC - MarketBeat

<a href="https://news.google.com/rss/articles/CBMiwwFBVV95cUxOZTlJcGRoTGg3ZWFyNlFVbnZCcnVLbHpuSG5ucG1VbGp2SVpjZWYzaWFmc25DckFITEMzZEtHUXhaZXkxTU9JV0NmYTJFbThodEgyenpiSTBKSnpVYzhJa2FsVjJBa3h0bXl5cVJCcVp6NVJKSEExaFhkS2p2ajlMUUVTRlBTZERFem1Uam…

Google News Mon, 27 Apr 2026

LendingClub Reports First Quarter 2026 Results - PR Newswire

<a href="https://news.google.com/rss/articles/CBMipAFBVV95cUxNLTRabUE1ZXhZQ29GWEI5cW5iZkNrQ3JmV0JwUmcxZW5iVHdIMjUwbHlnT2YzSkZYTVpNckFsdldFZVlCU3hJb0pFeEFEWGRQVXlQVDdhdnZ2WWpjbk5tQUktYWIwMDN4T0syV250OURmekxxNUZ5Nm1LSHBqRGg4dGR6di1oc0xaeGNtY0…

Google News Mon, 13 Jul 2026

LendingClub (LC) Surges 2.13% as Shares Test Key Resistance Near $20 - Analyst Downgrade Signals - Bölüm Sonu Canavarı

<a href="https://news.google.com/rss/articles/CBMisgFBVV95cUxOZnpQMkE4UnRHRFplblFGLVR5T1c5Tlhramc4NGRaZGJGZ3FDY0Q3VHRoNkNKTzYyNXBuSk1WNFkya0dma2xKNWhKWXhCYmxzcV9Ed0Nvb2FoX01zRWg0cWZrZzRoei1vWlJ2Q0JWVENadnV5SHNENlpSaEpMMlNxTEViZVdSS0ZiZkJTT0…

Google News Mon, 27 Apr 2026

LendingClub Corp (NYSE:LC) Smashes Q1 Estimates, Stock Surges 13% After Record Profit - ChartMill

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LC — Frequently Asked Questions

What is the current share price of LendingClub Corporation (LC)?

As of 2026-07-14 21:23 PDT, LendingClub Corporation (LC) trades at $19.95 on NYQ. Its 52-week range is $19.61 to $20.35.

What is the market capitalisation of LC?

LendingClub Corporation (LC) has a market capitalisation of $2.30B on NYQ.

What is the P/E ratio of LC?

LC trades at a trailing price-to-earnings (P/E) ratio of 13.30. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.46.

What is the return on equity (ROE) of LC?

LC has a return on equity (ROE) of 12.16%.

Is LC a good stock to buy?

This page provides a data-driven analysis of LendingClub Corporation (LC), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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