LendingClub (LC) AI Stock Analysis

• Market Cap: $2.03B
• Dividend Yield: N/A
• Average Volume (3M): 2.22M
• Price to Earnings (P/E): 19.8
• Beta (1Y): 1.41
• Revenue Growth: 9.68%
• EPS Growth: 94.85%
• Country: US
• Employees: 1,002
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 0.37
• Shares Outstanding: 115,301,440
• 10 Day Avg. Volume: 1,444,184
• 30 Day Avg. Volume: 2,215,151
• PEG Ratio: 1.27
• Price to Book (P/B): 1.35
• Price to Sales (P/S): 1.56
• P/FCF Ratio: -0.67
• Enterprise Value/Market Cap: 0.49
• Enterprise Value/Revenue: 0.77
• Enterprise Value/Gross Profit: 1.33
• Enterprise Value/Ebitda: 3.56
• 1Y Price Target: $22.00
• Price Target Upside: 24.79% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 8
• EPS Forecast (FY): 1.14
• Revenue Forecast (FY): $994.07M

• Rating: 66 Neutral
• Price Target: $19.00 ▲(7.77% Upside)

LendingClub's strong earnings call performance and positive technical indicators are the primary drivers of its stock score. However, cash flow challenges and moderate valuation metrics slightly temper the overall outlook.

Positive Factors

Revenue Growth

The significant increase in originations and revenue indicates strong demand and effective market strategies, positioning LendingClub for sustained growth.

Strategic Partnerships

The partnership with BlackRock enhances LendingClub's market reach and product offerings, supporting long-term revenue and growth potential.

Marketplace Success

The robust growth in marketplace revenue reflects LendingClub's competitive advantage in the fintech sector, driving future profitability.

Negative Factors

Cash Flow Challenges

Persistent cash flow issues could limit LendingClub's ability to invest in growth opportunities and manage financial obligations effectively.

Increase in Non-Interest Expense

Rising non-interest expenses may pressure margins and profitability, requiring efficient cost management to sustain financial health.

Provision for Credit Losses

Increased provisions for credit losses suggest potential risks in loan performance, impacting future earnings and financial stability.

LendingClub Business Overview & Revenue Model

Company Description

LendingClub Corporation, operates as a bank holding company for LendingClub Bank, National Association that provides range of financial products and services through a technology-driven platform in the United States. The company provides commercial and industrial, commercial real estate, small business, and equipment loans, as well as leases equipment; and unsecured personal and auto, patient finance, and education finance loans. It also operates an online lending marketplace platform that connects borrowers and investors. LendingClub Corporation was incorporated in 2006 and is headquartered in San Francisco, California.

How the Company Makes Money

LendingClub generates revenue primarily through origination fees charged to borrowers when they take out loans. These fees are typically a percentage of the loan amount and are collected at the time of funding. Additionally, the company earns interest income on the loans it holds in its portfolio, as well as servicing fees from investors who purchase loan notes. In recent years, LendingClub has also expanded its revenue model by offering banking services, including high-yield savings accounts and certificates of deposit, contributing to its earnings. Key partnerships with financial institutions and investors further enhance its revenue streams, as they enable LendingClub to scale its operations and offer competitive products in the marketplace.

LendingClub Financial Statement Overview

Summary

LendingClub demonstrates a stable financial position with strong balance sheet metrics and improving profitability. However, cash flow challenges persist, requiring attention to ensure sustainable growth. The company shows potential for future growth with improved operational efficiency, but must address cash flow issues to enhance financial health.

Income Statement

LendingClub's income statement shows a mixed performance. The TTM gross profit margin of 41.19% is healthy, but a decline from previous years. The net profit margin improved to 5.93% TTM, indicating better cost management. However, revenue growth is modest at 4.43% TTM, suggesting limited expansion. The EBIT and EBITDA margins have improved, reflecting operational efficiency gains.

Balance Sheet

The balance sheet is strong with a low debt-to-equity ratio of 0.016 TTM, indicating low leverage and financial stability. The return on equity is modest at 5.43% TTM, suggesting moderate profitability. The equity ratio of 13.05% TTM indicates a solid equity base relative to total assets, enhancing financial resilience.

Cash Flow

Cash flow analysis reveals challenges, with negative operating and free cash flows TTM. The free cash flow to net income ratio is positive at 1.07, indicating some cash generation relative to net income. However, the negative free cash flow growth rate of -6.49% TTM highlights ongoing cash flow management issues.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.30B	1.16B	1.14B	1.27B	898.63M	455.22M
Gross Profit	751.25M	608.74M	621.05M	919.89M	679.83M	301.47M
EBITDA	281.40M	118.37M	101.81M	196.87M	62.73M	-133.59M
Net Income	103.84M	51.33M	38.94M	289.69M	18.58M	-187.54M
Balance Sheet
Total Assets	11.07B	10.63B	8.83B	7.98B	4.90B	1.86B
Cash, Cash Equivalents and Short-Term Investments	3.75B	957.05M	2.87B	1.40B	950.66M	667.19M
Total Debt	0.00	28.50M	57.22M	210.19M	429.99M	989.11M
Total Liabilities	9.61B	9.29B	7.58B	6.82B	4.05B	1.14B
Stockholders Equity	1.46B	1.34B	1.25B	1.16B	850.24M	724.17M
Cash Flow
Free Cash Flow	-2.15B	-2.69B	-1.20B	306.09M	205.46M	386.88M
Operating Cash Flow	-2.01B	-2.63B	-1.14B	375.57M	239.87M	418.03M
Investing Cash Flow	1.88B	607.81M	516.70M	-2.81B	-454.41M	565.77M
Financing Cash Flow	-77.52M	1.71B	789.57M	2.80B	349.64M	-842.44M

LendingClub Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 17.63
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For LC, the sentiment is Positive. The current price of 17.63 is above the 20-day moving average (MA) of 17.37, above the 50-day MA of 16.78, and above the 200-day MA of 13.46, indicating a bullish trend. The MACD of -0.04 indicates Positive momentum. The RSI at 54.62 is Neutral, neither overbought nor oversold. The STOCH value of 63.22 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for LC.

LendingClub Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FINV	71 Outperform	$1.28B	3.43	17.76%	5.50%	9.32%	29.40%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
LC	66 Neutral	$2.03B	19.84	7.40%	―	9.68%	94.85%
QD	63 Neutral	$805.82M	7.29	6.75%	―	-62.48%	1441.74%
LU	52 Neutral	$2.43B	―	―	―	―	―
AHG	45 Neutral	$878.07M	-3.36	-79.90%	―	510.69%	-145.92%
NAVI	44 Neutral	$1.22B	―	-1.95%	5.24%	-25.22%	-174.34%

LendingClub Corporate Events

LendingClub Announces $100 Million Stock Repurchase Program

On November 4, 2025, LendingClub announced a Stock Repurchase and Acquisition Program, approved by its Board of Directors, to buy back up to $100 million of its common stock by the end of 2026. This move reflects the company’s strong financial position and growth prospects, following its transformation into a bank holding company in 2021 and achieving record pre-tax net income in Q3 2025. The program is expected to enhance shareholder value and is aligned with LendingClub’s strategic focus on capitalizing on current stock prices and market conditions.

The most recent analyst rating on (LC) stock is a Hold with a $19.50 price target. To see the full list of analyst forecasts on LendingClub stock, see the LC Stock Forecast page.

LendingClub Corp’s Earnings Call Highlights Robust Growth

LendingClub Corp’s recent earnings call painted a picture of robust growth and strategic success, with a few cautionary notes. The company reported significant increases in originations, revenue, and profitability, alongside impressive marketplace performance and strategic partnerships. Despite these positive developments, there were concerns about rising expenses and provisions for credit losses. However, the overall sentiment was optimistic, with the positive aspects outweighing the concerns.

LendingClub Corp. Reports Strong Q3 2025 Results

LendingClub Corporation, a key player in the financial technology sector, is renowned for its innovative approach to banking, offering a suite of financial products that prioritize member success through affordable credit and rewarding financial behaviors. In its latest earnings report for the third quarter of 2025, LendingClub announced a record pre-tax income of $57 million, with significant growth in loan originations and revenue, alongside a remarkable increase in diluted earnings per share. The company also secured a memorandum of understanding with BlackRock, which will see up to $1 billion invested through LendingClub’s marketplace programs by 2026. Key financial highlights include a 37% increase in loan originations to $2.6 billion, a 32% rise in net revenue to $266.2 million, and a substantial improvement in net income, which more than tripled to $44.3 million. LendingClub’s strategic initiatives have also led to a 7x increase in account openings for its LevelUp Checking product. Looking ahead, LendingClub remains optimistic about its growth prospects, with plans to continue leveraging its innovative products and strong balance sheet to drive sustainable, profitable growth.