LendingClub Corporation LC R2K

Financial Services · Banks - Regional · United States

https://www.lendingclub.com

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.

Market & Price

Market Cap

$2.06B

Current Price

$17.85

High / Low (52W)

$21.58 / $10.03

Beta

2.01

Valuation

Stock P/E

11.90

Industry PE

12.01

Forward P/E

7.76

PEG Ratio

Book Value

$13.19

Price to Book

1.35

P/S

1.50

EV/EBITDA

4.33

Dividend Yield

Profitability & Returns

ROCE

ROE

12.16%

ROA

1.27%

Profit Margin

12.80%

Op Margin

19.96%

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

$11.57B

Current Assets

Working Capital

Ownership

Promoter Holding

3.15%

Chg in Prom Hold

FII / Inst Holding

91.09%

Chg in FII Hold

0.00%

Financial Snapshot

Enterprise Value

$1.27B

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%

Growth (CAGR)

Revenue 5Y

-5.60%

Profit 5Y

-22.34%

Revenue (YoY)

12.50%

Earnings (YoY)

340.00%

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.
In a downtrend (50-DMA below 200-DMA).

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

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	LC LendingClub Corporation R2K	17.85	11.90	$2.06B	-	-	12.16%	-5.60%	-22.34%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Mar 2014	Jun 2014	Sep 2014	Mar 2015	Jun 2015	Sep 2015	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	112.06M	136.88M	138.87M	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	217.71M	248.44M	266.23M	266.47M	252.25M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	82.10M	82.85M	83.36M	87.56M	84.97M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	15.70M	53.98M	57.24M	50.03M	67.33M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4.02M	15.81M	12.96M	8.47M	15.72M
Net Income	-7.30M	-9.19M	-7.37M	-6.37M	-4.14M	950.00K	4.57M	4.14M	-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	-383.00K	234.00K	-48.09M	-78.47M	-34.33M	-	-	-	13.67M	10.11M	5.01M	12.25M	14.90M	14.46M	11.67M	38.18M	44.27M	41.55M	51.60M
Diluted EPS	-0.13	-0.16	-0.12	-0.02	-0.01	0.00	0.01	0.01	-0.21	-0.09	-0.08	-0.07	-0.06	-0.02	-0.22	-0.37	-0.72	-0.27	-0.16	-0.23	-0.12	0.00	0.00	-	-	-	0.39	1.73	0.41	0.13	0.09	0.05	0.11	0.13	0.13	0.10	0.33	0.37	0.35	0.44
R&D Expense	-	-	-	13.90M	18.21M	21.06M	23.89M	24.20M	29.21M	29.43M	32.52M	35.76M	35.72M	32.86M	37.93M	36.84M	37.65M	41.22M	39.55M	42.55M	43.30M	41.45M	41.08M	38.71M	39.17M	31.98M	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Profit & Loss (Annual)

Figures in USD.

Metric	Mar 2011	Mar 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	530.59M	604.23M	-	-	1.19B	864.62M	787.01M	998.85M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	82.52M	270.79M	373.92M	335.87M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	153.04M	54.62M	65.07M	176.95M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-136.65M	15.68M	13.74M	41.27M
Net Income	-11.94M	-11.94M	7.31M	-32.89M	-5.00M	-145.97M	-153.84M	-128.31M	-30.75M	-187.54M	-	289.69M	38.94M	51.33M	135.68M
Diluted EPS	-	-1.36	0.00	-0.44	-0.01	-0.38	-1.88	-1.52	-0.35	-	-	2.79	0.36	0.45	1.16
R&D Expense	-	-	15.53M	38.52M	77.06M	115.36M	142.26M	155.25M	168.38M	139.05M	-	-	-	-	-

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:	+77.97%
6 Months:	+2.53%
3 Months:	+19.72%
1 Month:	+7.85%

Balance Sheet (Annual)

Figures in USD.

Metric	Mar 2010	Mar 2011	Dec 2011	Mar 2012	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	169.87M	326.80M	403.33M	850.83M	1.94B	3.89B	5.79B	5.56B	4.64B	3.82B	2.98B	1.86B	-	7.98B	8.83B	10.63B	11.57B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	2.57M	13.34M	24.71M	31.24M	52.55M	49.30M	869.78M	623.53M	515.60M	401.72M	372.97M	243.78M	524.96M	-	1.06B	1.25B	954.06M	917.65M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	30.90M	35.79M	40.39M	43.92M
Total Liabilities	-	154.36M	294.26M	366.99M	798.62M	1.88B	2.92B	4.75B	4.59B	3.71B	2.95B	2.08B	1.14B	-	6.82B	7.58B	9.29B	10.07B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	310.62M	130.28M	19.35M	-	-
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	207.57M	57.22M	28.50M	15.83M
Total Equity	-26.26M	15.51M	-46.23M	36.34M	52.21M	68.09M	973.22M	1.04B	975.77M	922.50M	869.20M	900.19M	-	-	1.16B	1.25B	1.34B	1.50B
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	106.55M	110.41M	113.38M	115.37M

Cash Flows (Annual)

Figures in USD.

Metric	Mar 2011	Mar 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	-9.50M	-11.09M	1.14M	49.92M	74.74M	545.00K	-573.39M	-639.74M	-270.64M	418.03M	-	375.57M	-1.14B	-2.63B	-2.73B
Investing Cash Flow	-100.89M	-218.81M	-1.12B	-1.26B	-2.41B	-325.88M	998.57M	878.74M	653.77M	565.77M	-	-2.81B	516.70M	607.81M	1.93B
Financing Cash Flow	121.16M	247.80M	1.12B	2.03B	2.09B	314.48M	-474.31M	-239.23M	-540.06M	-842.44M	-	2.80B	789.57M	1.71B	747.82M
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	-9.30M	29.35M	35.35M	-51.30M	-618.00M	-692.72M	-321.31M	386.88M	-	306.09M	-1.20B	-2.69B	-2.87B
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	360.90M	169.66M	-316.75M	-46.96M
Share Buybacks	-	-	-	0	0	19.48M	0	0	0	-	-	-	-	-	-
Dividends Paid	-	-	-	-	-	-	-	0	0	50.20M	0	0	-	-	-

Ratios (Annual)

Figures in %.

Metric	Mar 2011	Mar 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-24.2%	-5.1%	-	-	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%	-	-	24.9%	3.1%	3.8%	9.0%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

3.15%

Institutions

91.09%

Public Float

94.04%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Wellington Management Group, LLP	11.06%	12.76M	$227.73M
2	Blackrock Inc.	8.31%	9.59M	$171.14M
3	Vanguard Portfolio Management LLC	6.62%	7.63M	$136.26M
4	Dimensional Fund Advisors LP	4.99%	5.76M	$102.82M
5	Vanguard Capital Management LLC	4.25%	4.91M	$87.57M
6	Senvest Management LLC	3.94%	4.55M	$81.16M
7	Fuller & Thaler Asset Management Inc.	2.96%	3.42M	$61.05M
8	Geode Capital Management, LLC	2.70%	3.12M	$55.61M
9	State Street Corporation	2.51%	2.89M	$51.64M
10	Point72 Asset Management, L.P.	2.38%	2.75M	$49.05M

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