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Lendingclub Corp. (LC)
:LC
US Market

LendingClub (LC) Ratios

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LendingClub Ratios

LC's free cash flow for Q1 2025 was $0.56. For the 2025 fiscal year, LC's free cash flow was decreased by $ and operating cash flow was $0.33. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
2.93 33.02 13.92 7.38 4.49
Quick Ratio
2.93 33.02 3.07 2.61 0.36
Cash Ratio
0.50 13.70 10.49 5.34 3.46
Solvency Ratio
0.01 0.01 0.20 0.20 0.37
Operating Cash Flow Ratio
-1.39 -12.43 3.73 1.86 2.75
Short-Term Operating Cash Flow Coverage
0.00 0.00 143.40 8.63 3.98
Net Current Asset Value
$ -3.75B$ -4.56B$ -5.41B$ -3.10B$ -456.49M
Leverage Ratios
Debt-to-Assets Ratio
<0.01 <0.01 0.02 0.09 0.53
Debt-to-Equity Ratio
0.02 0.05 0.12 0.51 1.37
Debt-to-Capital Ratio
0.02 0.04 0.11 0.34 0.58
Long-Term Debt-to-Capital Ratio
0.00 0.02 0.10 0.27 0.00
Financial Leverage Ratio
7.92 7.05 6.85 5.76 2.57
Debt Service Coverage Ratio
0.29 0.34 4.17 <0.01 <0.01
Interest Coverage Ratio
0.19 0.22 1.85 0.23 -1.25
Debt to Market Cap
0.00 0.02 0.15 0.14 0.11
Interest Debt Per Share
3.60 3.02 2.18 5.20 12.60
Net Debt to EBITDA
-7.52 -11.17 -4.18 0.00 0.00
Profitability Margins
Gross Profit Margin
-10.69%1.06%91.06%93.68%84.15%
EBIT Margin
27.58%6.92%15.01%-5.52%-17.72%
EBITDA Margin
48.65%12.38%18.72%0.00%0.00%
Operating Profit Margin
27.58%6.85%13.12%2.30%-61.54%
Pretax Profit Margin
25.72%6.32%13.12%2.30%-61.54%
Net Profit Margin
20.29%4.50%24.83%2.32%-61.52%
Continuous Operations Profit Margin
20.29%4.50%24.83%2.32%-61.52%
Net Income Per EBT
78.89%71.29%189.29%100.74%99.96%
EBT Per EBIT
93.27%92.27%100.00%100.00%100.00%
Return on Assets (ROA)
0.48%0.44%3.63%0.38%-10.06%
Return on Equity (ROE)
3.83%3.11%24.88%2.19%-25.90%
Return on Capital Employed (ROCE)
0.80%0.68%1.94%0.39%-10.96%
Return on Invested Capital (ROIC)
1.41%0.71%14.02%1.25%-18.30%
Return on Tangible Assets
0.49%0.45%3.71%0.39%-10.44%
Earnings Yield
2.84%4.11%31.79%0.78%-19.64%
Efficiency Ratios
Receivables Turnover
2.42 5.89 0.00 0.00 19.73
Payables Turnover
3.58 15.66 1.06 0.50 1.03
Inventory Turnover
0.00 0.00 0.10 0.08 0.08
Fixed Asset Turnover
8.48 4.60 5.82 4.58 1.79
Asset Turnover
0.02 0.10 0.15 0.16 0.16
Working Capital Turnover Ratio
0.08 0.41 1.10 1.19 1.30
Cash Conversion Cycle
49.10 38.66 3.48K 3.70K 4.41K
Days of Sales Outstanding
150.95 61.97 0.00 0.00 18.50
Days of Inventory Outstanding
0.00 0.00 3.83K 4.42K 4.75K
Days of Payables Outstanding
101.85 23.31 343.62 726.73 354.09
Operating Cycle
150.95 61.97 3.83K 4.42K 4.76K
Cash Flow Ratios
Operating Cash Flow Per Share
-23.58 -10.48 3.63 2.44 4.62
Free Cash Flow Per Share
-24.06 -11.03 2.96 2.09 4.28
CapEx Per Share
0.49 0.55 0.67 0.35 0.34
Free Cash Flow to Operating Cash Flow
1.02 1.05 0.81 0.86 0.93
Dividend Paid and CapEx Coverage Ratio
-48.51 -19.10 5.41 6.97 5.14
Capital Expenditure Coverage Ratio
-48.51 -19.10 5.41 6.97 13.42
Operating Cash Flow Coverage Ratio
-92.42 -19.86 2.62 0.56 0.42
Operating Cash Flow to Sales Ratio
-10.41 -1.31 0.32 0.30 1.37
Free Cash Flow Yield
-148.62%-126.17%33.59%8.66%40.51%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
35.24 24.35 3.15 127.72 -5.09
Price-to-Sales (P/S) Ratio
7.15 1.10 0.78 2.96 3.13
Price-to-Book (P/B) Ratio
1.35 0.76 0.78 2.79 1.32
Price-to-Free Cash Flow (P/FCF) Ratio
-0.67 -0.79 2.98 11.55 2.47
Price-to-Operating Cash Flow Ratio
-0.69 -0.83 2.43 9.89 2.28
Price-to-Earnings Growth (PEG) Ratio
1.27 -0.28 <0.01 -1.17 -0.01
Price-to-Fair Value
1.35 0.76 0.78 2.79 1.32
Enterprise Value Multiple
7.18 -2.31 -0.01 0.00 0.00
Enterprise Value
EV to EBITDA
7.18 -2.31 -0.01 0.00 0.00
EV to Sales
3.49 -0.29 >-0.01 2.64 4.66
EV to Free Cash Flow
-0.33 0.21 >-0.01 10.30 3.67
EV to Operating Cash Flow
-0.34 0.22 >-0.01 8.82 3.39
Tangible Book Value Per Share
11.25 10.73 9.53 6.96 7.26
Shareholders’ Equity Per Share
12.01 11.54 11.24 8.66 8.01
Tax and Other Ratios
Effective Tax Rate
0.21 0.29 -0.89 >-0.01 <0.01
Revenue Per Share
2.26 7.97 11.27 8.18 3.37
Net Income Per Share
0.46 0.36 2.80 0.19 -2.07
Tax Burden
0.79 0.71 1.89 1.01 1.00
Interest Burden
0.93 0.91 0.87 -0.42 3.47
Research & Development to Revenue
0.00 0.00 <0.01 <0.01 >-0.01
SG&A to Revenue
0.92 0.30 0.29 0.36 0.83
Stock-Based Compensation to Revenue
0.16 0.06 0.06 0.08 0.20
Income Quality
-51.32 -29.19 1.30 12.91 -2.23
Currency in USD
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