GuruFocus Manual of Stocks™  |  Jul 05, 2025
LendingClub Corp (NYSE:LC)
www.gurufocus.com/stock/NYSE:LC/summary
LendingClub Corp (NYSE:LC)
[1]
Significantly Overvalued[5]$ 12.57
GF Score: 69/100Market Cap: $ 1,435 Mil
Industry: Financial Services - Banks
IPO Date: 2014-12-11
LendingClub Corp is a company engaged in operating an online lending marketplace platform that connects borrowers and investors for the provision of the loan facility. It offers investors access to an asset class that has generally been closed to many investors and only available on a limited basis to institutional investors. The company through the platform offers loan products such as ... read more
Latest FY Operating Revenue by Business Segment
Business Segment Name2024Percentage
LendingClub Bank760.0996.58%
LendingClub Corporation (Parent Only)50.156.37%
Intercompany Eliminations-23.23-2.95%
Financial Strength
Rank: 6 /10CurrentIndustry MedianHistorical Median
Cash-to-Debt35.021.50.20
Equity-to-Asset0.130.10.18
Piotroski F-Score465
Profitability Rank
Rank: 3 /10CurrentIndustry MedianHistorical Median
Net Margin %6.1624.935-2.78
ROE %3.849.3-1.99
ROA %0.500.88-0.50
Growth Rank(* per share data)
Rank: 6 /1010-Yr5-Yr1-Yr
Revenue Growth %1.54.5-1.7
EPS w/o NRI Growth %N/AN/A29.4
FCF Growth %N/AN/AN/A
Book Value Growth %-2.15.94.8
Momentum Rank
Rank: 7 /10CurrentIndustry MedianHistorical Median
5-Day RSI91.9768.50N/A
9-Day RSI82.0862.76N/A
14-Day RSI73.9259.79N/A
6-1M Momentum %-40.261.68N/A
12-1M Momentum %22.3413.72N/A
Quarterly
Mar24Jun24Sep24Dec24Mar25
Revenue180.69187.24201.88217.20217.71
Net Income12.2514.9014.469.7211.67
EPS0.110.130.130.080.10
Revenue YoY %-26.46-19.460.5117.0220.49
Net Income YoY %-10.3647.41188.68-4.28-4.73
EPS YoY %-15.3844.44160.00-11.11-9.09
Warning Signs
SEVEREBeneish M-Score: Possible manipulator
SEVERERevenue per Share: Declined
SEVEREAsset Growth: Faster than revenue growth
Good Signs
GOODInterest Coverage: Comfortable
GOODInsider Buy: Insider Buying
Insider Trades
InsiderPositionDateTradesCur. Shares
Sanborn ScottCEO06/20/25-52501.29M
Selleck ErinDirector06/13/25-306019,121
Sanborn ScottCEO06/05/25-52501.30M
Sanborn ScottCEO05/15/25-52501.29M
Sanborn ScottCEO05/01/25-52501.29M
Zeisser Michael PDirector04/30/25200006,120
Sanborn ScottCEO04/23/25-52501.30M
Sanborn ScottCEO04/09/25-52501.30M
GF Value Rank
Rank: 3 /10CurrentIndustry MedianHistorical Median
PE Ratio28.5711.0522.41
Forward P/E19.3710.235N/A
PB Ratio1.050.971.51
PS Ratio1.752.742.21
P/FCFN/A7.9955.50
Shiller P/EN/A11.795N/A
PEG Ratio4.841.577.65
Valuation Analysis
Current% of Price
Peter Lynch Value2.9924
EPV3.5328
GF Value8.0364
Graham Number10.5484
Tangible Book11.2289
Price12.57
Median PS Value16.30130
Dividend & Ownership
Dividend Yield (TTM) %N/A
Dividend Yield (Forward) %N/A
Dividend Payout RatioN/A
Dividend Growth (5Y) %N/A
Yield on Cost (5Y) %N/A
Continuous Div. sinceN/A
Insider Ownership %10.76
Institution Ownership %79.73
As of 07-05-2025
* All financial numbers are in millions except for per share data, ratios and percentage change. "Neg. E" means negative equity.
20152016201720182019202020212022202320242025Performance
%GainSP500
1W5.192.20
1M20.175.22
3M33.3016.86
6M-28.216.27
YTD-22.367.34
1Y47.0214.81
3Y2.0419.56
5Y22.0316.53
10Y-15.7313.58
124.65
60.12
4.41
7M
3.5M
2015201620172018201920202021202220232024CurrentKey Data
124.6555.4033.4022.4018.1013.3747.6125.0310.8617.9118.75Highest Stock Price
54.1517.5517.5512.7011.064.419.508.355.017.527.90Lowest Stock Price
4,1962,0891,7241,1301,1209312,4439389651,8361,435Market Cap
75.077.681.884.687.377.9102.1104.0108.5113.1116.2Shares Outstanding-Diluted
At LossAt LossAt LossAt LossAt LossAt Loss134.333.1524.2835.9828.57PE Ratio
4.032.141.871.301.241.292.870.810.771.371.05PB Ratio
11.244.783.461.871.502.703.020.771.102.331.75PS Ratio
22.0913.849.495.683.694.582.670.07-0.271.160.69EV-to-Revenue
2015201620172018201920202021202220232024TTMPer Share Data
4.925.495.967.048.393.918.0111.427.976.967.19Revenue per Share
-0.05-1.90-1.88-1.52-0.35-2.070.182.790.360.450.44Earnings per Share
0.47-0.66-7.56-8.19-3.684.962.012.94-11.03-23.77-19.24Free Cash Flow per Share
----------------------Dividends per Share
12.3511.4810.369.919.987.456.7610.0610.5411.0911.22Tangible Book per Share
------------------16.5916.30Median PS Value
13.95------2.12--5.2317.879.2410.6010.54Graham Number
2015201620172018201920202021202220232024TTMIncome Statement
368.61426.05487.65595.44731.90304.86818.631,187864.62787.01824.03Revenue
----------3.38138.80267.33243.57178.27204.49Credit Losses Provision
370.77539.20563.81652.41762.79489.09661.39766.85566.44543.68555.31Total Noninterest Expense
-2.16-150.20-153.41-128.11-30.89-187.6218.44153.0454.6265.0764.23Pretax Income
-5.00-145.97-153.84-128.31-30.75-187.5418.58289.6938.9451.3350.75Net Income
-1.36-34.26-31.55-21.55-4.20-61.522.2724.404.506.526.16Net Margin %
0.080.170.922.883.543.469.099.788.716.756.58Net Interest Margin-Bank %
-0.50-14.47-16.21-14.32-3.48-23.092.3628.763.223.963.84ROE %
-0.10-2.57-3.02-3.03-0.90-7.740.554.500.460.530.50ROA %
2015201620172018201920202021202220232024Mar25Balance Sheet
921.61802.74519.29543.44514.71667.19950.661,4032,873957.05898.51Cash & Equivalents & MS
----------------------Total Current Assets
5,7945,5634,6413,8202,9821,8634,9007,9808,82710,63110,483Total Assets
----32.10458.80587.45104.9927.78--------Short-Term Debt & CLO
----------------------Total Current Liabilities
4,5724,3213,2672,1621,234884.12402.21207.5757.2228.5025.57Long-Term Debt & CLO
4,7524,5873,7132,9492,0821,1394,0506,8157,5769,2899,119Total Liabilities
1,042975.77922.50869.20900.19724.17850.241,1641,2521,3421,365Total Stockholders Equity
1,042975.77927.76870.98900.19724.17850.241,1641,2521,3421,365Total Equity
2015201620172018201920202021202220232024TTMCashflow Statement
74.740.55-573.39-639.74-270.64418.03239.87375.57-1,137-2,634-2,127Cash Flow from Operations
-2,407-325.88998.57878.74653.77565.77-454.41-2,810516.70607.81841.39Cash Flow from Investing
2,086314.48-474.31-239.23-540.06-842.44349.642,795789.571,7101,103Cash Flow from Financing
-246.25-10.85-49.12-0.23-156.94141.36135.10360.90169.66-316.75-182.11Net Change in Cash
623.53693.41644.29644.06487.12628.49763.591,1241,294977.40920.25Ending Cash Position
-39.39-51.84-44.62-52.98-50.67-31.15-34.41-69.48-59.51-54.30-55.59Capital Expenditure
35.35-51.30-618.00-692.72-321.31386.88205.46306.09-1,196-2,688-2,183Free Cash Flow
Competitor(* Up to 5 competitors are listed here. See full competitors list in the Competitive Comparison section below)
TickerCompanyMarket Cap
($M)
PE RatioGF Score
/100
Financial
Strength /10
Profitability
Rank /10
GF Value
Rank /10
Growth
Rank /10
Momentum
Rank /10
NAS:VBTXVeritex Holdings Inc1,49913.547756658
NAS:HOPEHope Bancorp Inc1,48014.816655625
NYSE:LOBLive Oak Bancshares Inc1,47224.827856865
NYSE:LCLendingClub Corp1,43528.576963367
NAS:TCBKTriCo Bancshares1,41212.527556747
GuruFocus Manual of Stocks™  |  Jul 05, 2025
LendingClub Corp (NYSE:LC)
www.gurufocus.com/stock/NYSE:LC/summary

Financial Strength[2] (Quarterly data, as of Mar. 2025) : Fair (6/10)

0
1
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3
4
5
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9

Cash-to-Debt : 35.02

Cash-to-Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. A high ratio indicates that a company is better able to pay back its debt, and is thus able to take on more debt if necessary.


Equity-to-Asset : 0.13

Equity-to-Asset ratio is calculated as total stockholders equity divided by its total assets. Equity-to-Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity-to-Asset ratio (more leveraged) may have higher ROE % because of the leverage.


Debt-to-Equity : 0.02

A high Debt-to-Equity ratio generally means that a company has been aggressive in financing its growth with debt.


Piotroski F-Score : 4

The Piotroski F-Score is used to determine the strength of a firm's financial position, with 9 being the best and 0 being the worst.

0
1
2
3
4
5
6
7
8
9


WACC : 33.40% vs ROIC : N/A%

The weighted average cost of capital (WACC) is the rate that a company is expected to pay on average to all its security holders to finance its assets. Return on invested capital (ROIC) measures how well a company generates cash flow relative to the capital it has invested in its business.


Dividend Yield : 0.00%

Dividend yield is a way to measure how much cash flow you are getting for each dollar invested in an equity position.

GuruFocus Manual of Stocks™  |  Jul 05, 2025
LendingClub Corp (NYSE:LC)
www.gurufocus.com/stock/NYSE:LC/summary

Profitability[3] (Annual data, as of Dec. 2024) : Poor (3/10)

0
1
2
3
4
5
6
7
8
9

Revenue : $218 Mil vs Net Income : $12 Mil

Revenue is the amount of money that a company actually receives during a specific period, including discounts and deductions for returned merchandise. Net Income is a company's total profit. Net income is calculated by taking revenues and adjusting for the cost of doing business, depreciation, interest, taxes and other expenses.


Cash & Equivalents : $896 Mil vs Long-Term Debt* : $26 Mil

Cash & equivalents are the most liquid assets on the balance sheet. Cash equivalents are assets that are readily convertible into cash. Long-Term Debt* consists of loans and obligations lasting over one year.


Net Margin % : 5.36%

Net margin % measures the percentage of revenue remaining after all operating expenses, interest, taxes, etc have been deducted from a company's total revenue. Net Margin % is calculated as Net Income divided by its Revenue.


EPS without NRI : $0.10

Earnings Per Share without Non-Recurring Items is the amount of earnings without non-recurring items per outstanding share of the company's stock. In calculating earnings per share without non-recurring items, the dividends of preferred stocks and Non Operating Income need to subtracted from the total net income first.


Dividends per Share : $0.00

Dividends per Share is the amount of dividends that the shareholders of a company receive on a per-share basis. It is calculated using the total dividends paid out to shareholders over one fiscal year and the number of shares outstanding.


Free Cash Flow per Share : $-3.03

Free Cash flow per Share is the amount of Free cash flow per outstanding share of the company's stock.

GuruFocus Manual of Stocks™  |  Jul 05, 2025
LendingClub Corp (NYSE:LC)
www.gurufocus.com/stock/NYSE:LC/summary

Valuation (Quarterly data, as of Mar. 2025)

These valuation metrics should give you a sense of reasonable prices, but be careful with them. Always seek to understand why a valuation is changing over time.


Valuation Chart (Current stock price : $12.57)


PE Ratio without NRI : 23.45

The price-to-earnings ratio can be affected by Non Operating Income such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than regular PE Ratio.


PB Ratio : 0.86

The price-to-book ratio measures the valuation of the stock relative to the underlying asset of the company.


PS Ratio : 1.43

The price-to-sales ratio is a valuation ratio that compares a company’s stock price to its revenues. The price-to-sales ratio is an indicator of the value placed on each dollar of a company’s sales or revenues.


Price-to-Free-Cash-Flow : 0.00

Price-to-free-cash-flow is very similar to the valuation metric of price-to-operating-cash-flow but is considered a more exact measure, owing to the fact that it uses free cash flow, which subtracts capital expenditures from a company's total operating cash flow, thereby reflecting the actual cash flow available to fund non-asset-related growth.


EV-to-Revenue : 0.37

Enterprise value of a company divided by its trailing 12 months revenue.

GuruFocus Manual of Stocks™  |  Jul 05, 2025
LendingClub Corp (NYSE:LC)
www.gurufocus.com/stock/NYSE:LC/summary

Valuation Bands

In these charts the 10-year valuation bands of the price-to-earnings ratio (PE Ratio), price-to-book ratio (PB Ratio), price-to-sales ratio (PS Ratio) and price-to-operating-cash-flow ratio (POCF) are drawn together with the historical stock prices. For example, the upper line of the PE band is where the stock price would have been if it were always traded at the maximum PE ratio of the past 10 years. The lower line of the PE band is where the stock price would have been if it were always traded at the lowest PE ratio of the past 10 years. It is always better if the stock price is close to the lower line, which indicates a lower valuation.


Historical Price and PE Band


Historical Price and PS Band


Historical Price and PB Band


Historical Price and Price-to-Operating-Cash-Flow (POCF) Band

GuruFocus Manual of Stocks™  |  Jul 05, 2025
LendingClub Corp (NYSE:LC)
www.gurufocus.com/stock/NYSE:LC/summary

Warning Signs

GuruFocus conducted a thorough checkup using a checklist of 32 items that cover the areas of financial strength, profitability, growth, and valuation of each company. The purpose of Warning Signs is to warn you that the company may have red flags in certain areas, helping to avoid overlooking them. These warning signs do not necessarily mean you should not invest in the stock. But you should be aware of them before you invest.


Severe Warning Signs

Beneish M-Score : Possible manipulator

Beneish M-Score -1.49 higher than -1.78, which implies that the company might have manipulated its financial results.

Revenue per Share : Declined

LendingClub Corp revenue per share has been in decline over the past 3 years.

Asset Growth : Faster than revenue growth

If a company builds assets at 41.5% a year, faster than its revenue growth rate of 4.5% over the past 5 years, it means that the company may be getting less efficient.

Good Signs

Interest Coverage : Comfortable

Ben Graham prefers companies' interest coverage to be at least 5. LendingClub Corp has enough cash to cover all of its debt. Its financial situation is stable.

Insider Buy : Insider Buying

There were 1 insider buying transactions over the past 3 months. The total number of shares bought is 20,000.
GuruFocus Manual of Stocks™  |  Jul 05, 2025
LendingClub Corp (NYSE:LC)
www.gurufocus.com/stock/NYSE:LC/summary

Competitive Comparison


5 Year Price Change Comparison



Financial Strength

CompanyFinancial StrengthCash-to-DebtEquity-to-AssetDebt-to-EquityInterest CoveragePiotroski F-ScoreAltman Z-ScoreBeneish M-ScoreWACC %ROIC %
NYSE:LCLendingClub Corp6/1035.020.130.02N/A40.00-1.4933.40N/A
NAS:WABCWestamerica Bancorp6/1036.380.160.02N/A50.00-2.409.26N/A
NAS:HOPEHope Bancorp Inc5/102.920.130.12N/A50.00-2.4128.80N/A
NYSE:LOBLive Oak Bancshares Inc5/106.750.080.11N/A40.00-2.4836.29N/A
NYSE:NBHCNational Bank Holdings Corp5/101.830.130.10N/A40.00-2.9919.76N/A
NAS:STBAS&T Bancorp Inc5/101.090.150.14N/A50.00-2.5917.19N/A
NAS:TCBKTriCo Bancshares5/101.420.130.17N/A70.00-2.4214.03N/A
NAS:TFINTriumph Financial Inc5/101.590.140.36N/A50.00-2.7315.51N/A
NAS:VBTXVeritex Holdings Inc5/105.450.130.10N/A80.00-2.3226.16N/A
HKSE:01658Postal Savings Bank Of China Co Ltd4/1010.290.060.20N/AN/A0.00-2.4830.68N/A
NAS:RBCAARepublic Bancorp Inc4/101.950.150.39N/A60.00-2.5511.64N/A
NYSE:STELStellar Bancorp Inc4/102.950.150.12N/A50.00-2.5117.20N/A
SAU:1120Al Rajhi Bank3/108.740.130.07N/A80.00-2.3810.04N/A
SHSE:600036China Merchants Bank Co Ltd3/102.640.100.35N/A70.00-2.4016.25N/A
NSE:HDFCBANKHDFC Bank Ltd3/100.390.121.22N/A40.00-3.0515.20N/A
NSE:ICICIBANKICICI Bank Ltd3/100.980.120.70N/A50.00-3.5015.86N/A
XPAR:BNPBNP Paribas2/100.580.052.66N/A40.00-2.221.85N/A
MIL:ISPIntesa Sanpaolo2/100.350.071.60N/A60.00-2.149.54N/A
MIL:UCGUniCredit SpA2/100.470.081.43N/A40.00-2.315.53N/A
SGX:D05DBS Group Holdings Ltd0/100.000.080.95N/A60.00-2.5216.28N/A
GuruFocus Manual of Stocks™  |  Jul 05, 2025
LendingClub Corp (NYSE:LC)
www.gurufocus.com/stock/NYSE:LC/summary

Competitive Comparison - Cont.


Profitability

CompanyProfitability RankOperating
Margin %
Net Margin %ROE %ROA %Price-to-Free-Cash-FlowROC (Joel Greenblatt) %3-Year Revenue Growth %3-Year EBITDA Growth %3-Year EPS w/o NRI Growth %
SAU:1120Al Rajhi Bank7/10N/A62.6617.702.318.93N/A7.60N/A8.30
SGX:D05DBS Group Holdings Ltd6/10N/A49.5916.821.398.91N/A15.80N/A18.20
NSE:HDFCBANKHDFC Bank Ltd6/10N/A26.346.370.8412.38N/A26.90N/A10.00
NSE:ICICIBANKICICI Bank Ltd6/10N/A24.8318.022.058.77N/A20.40N/A26.10
NYSE:LOBLive Oak Bancshares Inc6/10N/A11.966.050.482.85N/A3.10N/A-23.00
NAS:RBCAARepublic Bancorp Inc6/10N/A29.9512.051.739.27N/A9.40N/A6.80
NAS:STBAS&T Bancorp Inc6/10N/A34.999.821.3910.13N/A4.50N/A6.70
NAS:TCBKTriCo Bancshares6/10N/A29.209.371.1613.72N/A2.00N/A-4.60
NAS:TFINTriumph Financial Inc6/10N/A2.871.350.2043.41N/A1.40N/A-50.50
NAS:VBTXVeritex Holdings Inc6/10N/A25.737.070.8812.30N/A5.40N/A-7.80
XPAR:BNPBNP Paribas5/10N/A15.349.150.420.00N/A8.70N/A16.60
SHSE:600036China Merchants Bank Co Ltd5/10N/A44.6412.611.242.39N/A0.50N/A7.20
NAS:HOPEHope Bancorp Inc5/10N/A20.314.440.5513.56N/A-4.70N/A-20.20
NYSE:NBHCNational Bank Holdings Corp5/10N/A27.778.721.1212.24N/A3.60N/A2.30
NYSE:STELStellar Bancorp Inc5/10N/A26.577.151.0617.49N/A-0.60N/A-9.50
NAS:WABCWestamerica Bancorp5/10N/A46.8715.392.1510.54N/A11.20N/A17.30
MIL:ISPIntesa Sanpaolo4/10N/A31.6913.610.960.00N/A11.60N/A30.40
HKSE:01658Postal Savings Bank Of China Co Ltd4/10N/A48.698.480.512.37N/A-4.60N/A-3.20
MIL:UCGUniCredit SpA4/10N/A39.7415.571.240.00N/A24.80N/A63.90
NYSE:LCLendingClub Corp3/10N/A6.163.840.500.00N/A-4.60N/A35.70

Valuation

CompanyPE RatioPB RatioPS RatioPrice-to-Intrinsic-Value-Projected-FCFPrice-to-Intrinsic-Value-DCF (Earnings Based)Price-to-Median-PS-ValuePrice-to-Peter-Lynch-Fair-ValuePrice-to-Graham-NumberEarnings Yield (Joel Greenblatt) %Forward Rate of Return (Yacktman) %
HKSE:01658Postal Savings Bank Of China Co Ltd6.400.522.960.250.000.000.630.38N/A0.00
XPAR:BNPBNP Paribas8.230.651.120.000.421.021.440.51N/A5.69
SHSE:600036China Merchants Bank Co Ltd8.360.973.730.260.471.220.560.60N/A44.05
MIL:UCGUniCredit SpA9.311.343.735.500.002.830.820.73N/A10.60
MIL:ISPIntesa Sanpaolo9.661.303.080.700.001.530.000.78N/A2.09
NAS:WABCWestamerica Bancorp10.291.474.820.660.620.660.000.88N/A10.02
SGX:D05DBS Group Holdings Ltd11.451.875.681.710.701.190.000.97N/A4.54
NAS:STBAS&T Bancorp Inc11.481.084.030.571.001.040.000.86N/A15.12
NAS:TCBKTriCo Bancshares12.521.133.670.640.860.980.000.91N/A13.55
NAS:RBCAARepublic Bancorp Inc12.791.473.890.710.641.202.140.93N/A13.90
NAS:VBTXVeritex Holdings Inc13.540.923.490.530.640.750.000.84N/A15.06
NYSE:STELStellar Bancorp Inc13.680.963.720.660.000.001.770.96N/A16.33
NYSE:NBHCNational Bank Holdings Corp13.811.153.830.710.420.972.000.96N/A15.88
NAS:HOPEHope Bancorp Inc14.810.653.000.321.220.880.000.72N/A22.53
SAU:1120Al Rajhi Bank19.252.9011.710.961.051.250.851.57N/A25.97
NSE:ICICIBANKICICI Bank Ltd20.283.275.030.690.840.001.201.74N/A17.49
NYSE:LOBLive Oak Bancshares Inc24.821.432.970.930.920.682.071.26N/A22.50
NYSE:LCLendingClub Corp28.571.051.750.000.000.774.201.19N/A-34.81
NSE:HDFCBANKHDFC Bank Ltd41.862.9211.021.131.820.001.131.68N/A20.00
NAS:TFINTriumph Financial Inc172.221.763.631.1313.701.0122.524.55N/A10.55
GuruFocus Manual of Stocks™  |  Jul 05, 2025
LendingClub Corp (NYSE:LC)
www.gurufocus.com/stock/NYSE:LC/summary

Peter Lynch Chart[4]

GuruFocus Manual of Stocks™  |  Jul 05, 2025
LendingClub Corp (NYSE:LC)
www.gurufocus.com/stock/NYSE:LC/summary

Per Share Data


Per Share Data

Mar12
Dec13
Dec14
Dec15
Dec16
Dec17
Dec18
Dec19
Dec20
Dec21
Dec22
Dec23
Dec24
TTM Fiscal Period
0.92
6.90
11.50
4.92
5.49
5.96
7.04
8.39
3.91
8.01
11.42
7.97
6.96
7.19
Revenue per Share
-1.03
0.02
-2.20
-0.05
-1.90
-1.88
-1.52
-0.35
-2.07
0.18
2.79
0.36
0.45
0.44
Earnings per Share (Diluted)
-1.03
0.63
0.20
0.70
-1.45
-0.90
-0.38
0.02
-2.07
0.18
1.41
0.36
0.45
0.44
EPS without NRI
--
--
--
--
--
-0.64
-1.99
-0.95
-3.31
0.36
2.41
0.09
0.65
0.79
Owner Earnings per Share (TTM)
-0.99
-0.80
1.94
0.47
-0.66
-7.56
-8.19
-3.68
4.96
2.01
2.94
-11.03
-23.77
-19.24
Free Cash Flow per Share
-0.96
0.10
3.30
1.00
0.01
-7.01
-7.56
-3.10
5.36
2.35
3.61
-10.48
-23.29
-18.76
Operating Cash Flow per Share
0.45
0.69
11.72
8.22
6.48
4.81
4.34
2.75
5.96
6.80
9.92
11.34
8.41
7.84
Cash per Share
-0.67
-0.49
13.10
13.72
12.26
11.05
10.12
10.14
8.22
8.42
10.93
11.34
11.83
11.95
Book Value per Share
-0.67
-0.49
11.64
12.35
11.48
10.36
9.91
9.98
7.45
6.76
10.06
10.54
11.09
11.22
Tangible Book per Share
5.00
25.48
37.87
60.20
54.29
39.51
30.50
20.53
11.22
4.26
1.95
0.52
0.25
0.22
Total Debt per Share
--
--
127
55.25
26.25
20.65
13.15
12.62
10.56
24.18
8.80
8.74
16.19
12.57
Month End Stock Price
11.59
11.59
15.12
74.97
77.55
81.80
84.58
87.28
77.93
102
104
108
113
116
Shares Outstanding (Diluted Average)

Ratios

Mar12
Dec13
Dec14
Dec15
Dec16
Dec17
Dec18
Dec19
Dec20
Dec21
Dec22
Dec23
Dec24
TTM Fiscal Period
--
74.48
-6.32
-0.50
-14.47
-16.21
-14.32
-3.48
-23.09
2.36
28.76
3.22
3.96
3.84
ROE %
--
--
-0.65
-0.12
-6.76
-8.67
-11.02
-2.81
-17.90
0.82
35.51
4.18
2.89
3.66
ROE % Adjusted to Book Value
-2.96
0.62
-1.13
-0.10
-2.57
-3.02
-3.03
-0.90
-7.74
0.55
4.50
0.46
0.53
0.50
ROA %
--
74.48
-7.06
-0.55
-15.76
-17.30
-14.95
-3.54
-24.32
2.77
33.01
3.48
4.24
4.11
Return-on-Tangible-Equity
-2.96
0.62
-1.15
-0.11
-2.61
-3.05
-3.06
-0.91
-7.87
0.57
4.59
0.47
0.53
0.50
Return-on-Tangible-Asset
--
--
--
--
--
36.65
-5.38
4.67
9.66
-31.93
-265
286
294
110
5-Year RORE %
--
14.66
9.57
11.39
12.85
14.08
13.02
10.93
10.88
14.26
19.26
33.12
29.23
33.40
WACC %
8.87
17.03
15.33
14.89
15.48
15.00
13.03
11.13
10.70
11.27
25.88
205
872
441
Effective Interest Rate on Debt %
-8.82
0.01
-0.09
0.08
0.17
0.92
2.88
3.54
3.46
9.09
9.78
8.71
6.75
6.58
Net Interest Margin (Bank Only) %
-112
9.13
-18.93
-1.36
-34.26
-31.55
-21.55
-4.20
-61.52
2.27
24.40
4.50
6.52
6.16
Net Margin %
-107
-11.62
16.89
9.59
-12.04
-127
-116
-43.90
127
25.10
25.78
-138
-342
-265
FCF Margin %
-7.45
27.02
2.89
4.39
4.43
3.58
3.02
2.02
1.37
0.51
0.18
0.05
0.02
0.02
Debt-to-Equity
-0.12
0.04
0.25
0.18
0.18
0.20
0.23
0.30
0.39
0.17
0.15
0.14
0.13
0.13
Equity-to-Asset
0.90
0.95
0.72
0.79
0.78
0.71
0.69
0.61
0.53
0.09
0.03
0.01
0.00
0.00
Debt-to-Asset
1.12
0.97
0.75
0.82
0.83
0.80
0.77
0.70
0.61
0.83
0.85
0.86
0.87
0.87
Liabilities-to-Assets
0.03
0.07
0.06
0.08
0.08
0.10
0.14
0.22
0.13
0.24
0.18
0.10
0.08
0.08
Asset Turnover
0.04
0.13
0.12
0.11
0.12
0.09
0.09
0.07
0.10
0.04
0.06
0.07
0.07
0.07
Capex-to-Revenue
--
9.16
0.41
0.53
95.12
--
--
--
0.08
0.14
0.19
--
--
-- Capex-to-Operating-Cash-Flow
* All financial numbers are in millions except for per share data, ratios and percentage change. When Return-on-Tangible-Equity displays Neg. E, it means the the tangible equity is negative. When ROE % or ROE % Adjusted to Book Value displays Neg. E, it means the the total shareholders equity is negative.
GuruFocus Manual of Stocks™  |  Jul 05, 2025
LendingClub Corp (NYSE:LC)
www.gurufocus.com/stock/NYSE:LC/summary

Financial Statement

Income Statement

Mar12
Dec13
Dec14
Dec15
Dec16
Dec17
Dec18
Dec19
Dec20
Dec21
Dec22
Dec23
Dec24
TTM Fiscal Period
-0.37
188
354
553
697
611
487
345
210
293
557
833
908
933
  Interest Income
-32.03
-187
-357
-550
-688
-571
-386
-247
-150
-80.00
-82.52
-271
-374
-372
  Interest Expense
-32.40
0.06
-2.16
3.23
8.29
39.84
102
98.04
59.33
213
475
562
534
561
Net Interest Income (for Banks)
43.10
79.96
176
365
418
448
494
634
246
606
712
303
253
263
Non Interest Income
10.70
80.02
174
369
426
488
595
732
305
819
1,187
865
787
824
Revenue
--
--
--
--
--
--
--
--
3.38
139
267
244
178
204
Credit Losses Provision
22.64
57.19
167
294
424
422
497
569
304
445
537
356
333
336
Selling, General, & Admin. Expense
--
15.53
38.52
77.06
115
142
155
194
185
217
230
211
211
219
Other Noninterest Expense
22.64
72.72
205
371
539
564
652
763
489
661
767
566
544
555
Total Noninterest Expense
--
--
--
--
37.05
77.25
71.13
--
--
--
--
--
--
-- SpecialCharges
-0.00
-0.00
0.00
--
-0.00
--
--
0.00
--
--
0.00
-0.00
0.00
-0.00
Other Income (Expense)
-11.94
7.31
-31.50
-2.16
-150
-153
-128
-30.89
-188
18.44
153
54.62
65.07
64.23
Pre-Tax Income
--
--
-1.39
-2.83
4.23
-0.63
-0.04
0.20
0.08
0.14
137
-15.68
-13.74
-13.48
Tax Provision
--
--
-4.41
-131
2.81
-0.41
-0.03
0.65
0.04
-0.74
-89.29
28.71
21.11
20.99
Tax Rate %
--
--
--
--
--
--
0.00
-0.00
-0.00
--
--
0.00
--
0.00
Other Net Income (Loss)
-11.94
7.31
-32.89
-5.00
-146
-154
-128
-30.69
-188
18.58
290
38.94
51.33
50.75
Net Income Including Noncontrolling Interests
-11.94
7.31
-32.89
-5.00
-146
-154
-128
-30.69
-188
18.58
290
38.94
51.33
50.75
  Net Income (Continuing Operations)
--
--
--
--
--
0.21
-0.16
-0.06
--
--
--
--
--
-- Other Income (Minority Interest)
-11.94
7.31
-32.89
-5.00
-146
-154
-128
-30.75
-188
18.58
290
38.94
51.33
50.75
Net Income
-112
9.13
-18.93
-1.36
-34.26
-31.55
-21.55
-4.20
-61.52
2.27
24.40
4.50
6.52
6.16
Net Margin %
--
--
--
--
--
--
--
--
50.20
--
--
--
--
-- Preferred Dividends
-1.03
0.02
-2.20
-0.05
-1.90
-1.88
-1.52
-0.35
-2.07
0.19
2.80
0.36
0.46
0.45
EPS (Basic)
-1.03
0.02
-2.20
-0.05
-1.90
-1.88
-1.52
-0.35
-2.07
0.18
2.79
0.36
0.45
0.44
EPS (Diluted)
11.59
11.59
15.12
74.97
77.55
81.80
84.58
87.28
77.93
102
104
108
113
116
Shares Outstanding (Diluted Average)
0.15
1.66
10.26
21.58
29.88
46.21
54.76
62.15
54.03
44.29
43.83
47.20
53.30
54.53
Depreciation, Depletion and Amortization
* All financial numbers are in millions except for per share data, ratios and percentage change.
GuruFocus Manual of Stocks™  |  Jul 05, 2025
LendingClub Corp (NYSE:LC)
www.gurufocus.com/stock/NYSE:LC/summary

Financial Statement

Cashflow Statement

Mar12
Dec13
Dec14
Dec15
Dec16
Dec17
Dec18
Dec19
Dec20
Dec21
Dec22
Dec23
Dec24
TTM Fiscal Period
-11.94
7.31
-32.89
-5.00
-146
-154
-128
-30.69
-188
18.58
290
38.94
51.33
50.75
Net Income From Continuing Operations
0.15
1.66
10.26
21.58
29.88
46.21
54.76
62.15
54.03
44.29
43.83
47.20
53.30
54.53
Depreciation, Depletion and Amortization
-2.39
-10.69
-8.40
-14.01
-2.22
6.29
-3.79
-16.30
-5.05
--
--
--
--
--   Change In Receivables
3.58
16.93
28.27
43.17
36.20
147
-111
-65.72
-114
--
--
--
--
--   Change In Payables And Accrued Expense
-1.47
-21.02
13.27
-15.86
-9.96
-71.21
52.71
5.90
22.51
--
--
--
--
--   Change In Other Working Capital
-0.28
-14.79
33.14
13.30
24.02
82.04
-61.67
-76.11
-96.54
16.64
-37.60
-32.85
15.96
31.50
Change In Working Capital
--
--
--
--
--
--
--
--
--
--
-143
--
--
-- Deferred Tax
0.66
6.49
37.15
51.22
69.24
70.98
75.09
73.64
61.53
66.76
66.36
52.39
40.07
37.04
Stock Based Compensation
--
--
--
--
37.05
--
35.63
--
--
--
--
--
5.50
-- Asset Impairment Charge
0.33
0.47
2.26
-6.37
-13.68
-619
-615
-300
587
93.61
157
-1,242
-2,800
-2,301
Cash Flow from Others
-11.09
1.14
49.92
74.74
0.55
-573
-640
-271
418
240
376
-1,137
-2,634
-2,127
Cash Flow from Operations
-0.38
-10.44
-20.57
-39.39
-51.84
-44.62
-52.98
-50.67
-31.15
-34.41
-69.48
-59.51
-54.30
-55.59
Purchase Of Property, Plant, Equipment
--
--
-109
--
--
--
--
--
--
-145
--
--
--
-- Purchase Of Business
--
--
--
--
--
--
--
--
--
668
--
--
--
-- Sale Of Business
--
--
--
-419
-85.98
-140
-136
-144
-53.74
-100
-223
-61.65
-49.79
-- Purchase Of Investment
--
--
--
120
87.16
363
201
237
232
250
86.08
97.71
938
1,199
Sale Of Investment
-218
-1,110
-1,127
-2,069
-275
820
867
612
419
-1,092
-2,604
540
-227
-302
Cash From Other Investing Activities
-219
-1,121
-1,257
-2,407
-326
999
879
654
566
-454
-2,810
517
608
841
Cash Flow from Investing
--
--
828
5.09
5.24
5.61
5.23
2.41
--
--
--
--
--
-- Issuance of Stock
--
--
--
--
-19.49
--
--
--
--
--
--
--
--
-- Repurchase of Stock
31.95
--
64.80
--
--
--
--
--
--
--
--
--
--
-- Net Issuance of Preferred Stock
320
1,618
2,206
3,862
2,703
2,598
3,338
3,619
1,696
325
25.58
--
--
--   Issuance of Debt
-105
-506
-1,108
-1,827
-2,440
-3,079
-3,561
-4,133
-2,480
-1,093
-478
-112
-19.20
-262
  Payments of Debt
215
1,112
1,098
2,035
263
-481
-223
-513
-783
-768
-452
-112
-19.20
-262
Net Issuance of Debt
--
--
--
--
--
--
--
--
-50.20
--
--
--
--
-- Cash Flow for Dividends
0.70
3.95
37.23
45.63
65.77
0.89
-21.20
-29.18
-8.95
1,117
3,247
902
1,729
1,534
Other Financing
248
1,116
2,028
2,086
314
-474
-239
-540
-842
350
2,795
790
1,710
1,103
Cash Flow from Financing
13.34
52.55
49.30
870
704
693
644
644
487
628
764
1,124
1,294
1,102
Beginning Cash Position
17.91
-3.25
820
-246
-10.85
-49.12
-0.23
-157
141
135
361
170
-317
-182
Net Change in Cash
31.24
49.30
870
624
693
644
644
487
628
764
1,124
1,294
977
920
Ending Cash Position
-0.38
-10.44
-20.57
-39.39
-51.84
-44.62
-52.98
-50.67
-31.15
-34.41
-69.48
-59.51
-54.30
-55.59
Capital Expenditure
-11.47
-9.30
29.35
35.35
-51.30
-618
-693
-321
387
205
306
-1,196
-2,688
-2,183
Free Cash Flow
* All financial numbers are in millions except for per share data, ratios and percentage change.
GuruFocus Manual of Stocks™  |  Jul 05, 2025
LendingClub Corp (NYSE:LC)
www.gurufocus.com/stock/NYSE:LC/summary

Financial Satement

Balance Sheet

Mar12
Dec13
Dec14
Dec15
Dec16
Dec17
Dec18
Dec19
Dec20
Dec21
Dec22
Dec23
Dec24
TTM Fiscal Period
32.20
49.49
870
624
516
402
373
244
525
687
1,057
1,253
954
896
Balance Sheet Cash And Cash Equivalents
4.86
12.21
46.76
80.73
178
243
271
243
104
76.46
67.45
41.64
23.34
24.73
Money Market Investments
363
1,829
2,799
4,556
4,321
3,529
2,726
1,845
809
3,392
5,965
5,420
5,726
5,681
  Gross Loan
--
--
--
--
--
--
--
--
--
-144
-328
-310
-237
-244
  Allowance For Loans And Lease Losses
363
1,829
2,799
4,556
4,321
3,529
2,726
1,845
809
3,248
5,637
5,109
5,489
5,437
Net Loan
--
--
--
297
298
128
179
279
151
295
384
1,663
3,497
3,473
Securities & Investments
2.35
34.53
26.16
44.17
49.44
46.15
41.58
31.87
--
--
30.90
35.79
40.39
39.48
  Accounts Receivable
--
0.86
0.47
1.43
8.23
65.80
--
--
--
149
160
111
64.23
56.88
  Other Current Receivables
2.35
35.39
26.63
45.61
57.67
112
41.58
31.87
--
149
191
147
105
96.36
Total Receivables
0.53
12.60
27.05
55.93
89.26
102
114
208
171
175
200
188
189
188
Property, Plant and Equipment
--
--
109
104
61.84
57.56
18.05
14.55
67.77
167
92.05
87.85
84.30
83.50
Intangible Assets
--
--
72.59
72.68
35.63
35.63
--
--
--
75.72
75.72
75.72
75.72
75.72
  Goodwill
0.80
4.67
11.78
29.77
41.91
67.88
97.14
116
37.31
102
351
338
290
285
Other Assets for Banks
403
1,943
3,890
5,794
5,563
4,641
3,820
2,982
1,863
4,900
7,980
8,827
10,631
10,483
Total Assets
--
--
--
--
--
--
--
--
--
3,136
6,393
7,333
9,068
8,906
Total Deposits
4.47
28.24
78.48
134
204
209
219
154
87.17
123
128
91.44
101
79.77
Accounts Payable & Accrued Expense
--
--
--
--
--
32.10
459
587
105
27.78
--
--
--
-- Short-Term Debt & Capital Lease Obligation
361
1,840
2,814
4,572
4,321
3,267
2,162
1,234
884
402
208
57.22
28.50
25.57
Long-Term Debt & Capital Lease Obligation
-7.45
27.02
2.89
4.39
4.43
3.58
3.02
2.02
1.37
0.51
0.18
0.05
0.02
0.02
Debt-to-Equity
86.16
7.07
24.74
46.23
61.91
205
108
106
62.84
361
86.84
93.49
91.08
107
Other Liabilities for Banks
452
1,875
2,917
4,752
4,587
3,713
2,949
2,082
1,139
4,050
6,815
7,576
9,289
9,119
Total Liabilities
0.09
0.14
3.71
3.80
4.00
4.20
0.86
0.89
0.88
1.01
1.07
1.10
1.13
1.14
Common Stock
--
103
--
--
--
--
--
--
--
--
--
--
--
-- Preferred Stock
-53.40
-50.33
-83.22
-88.22
-234
-389
-518
-548
-786
-717
-428
-389
-337
-326
Retained Earnings
--
--
--
-1.67
-0.77
-0.01
0.16
-0.57
1.48
7.05
-37.62
-30.30
-24.24
-22.25
Accumulated other comprehensive income (loss)
4.84
15.04
1,053
1,128
1,226
1,327
1,405
1,468
1,508
1,560
1,629
1,670
1,702
1,711
Additional Paid-In Capital
--
--
--
--
-19.49
-19.49
-19.49
-19.55
--
--
--
--
--
-- Treasury Stock
--
--
--
--
0.00
--
-0.00
-0.00
--
-0.00
0.00
--
-0.00
-- Other Stockholders Equity
-48.47
68.09
973
1,042
976
922
869
900
724
850
1,164
1,252
1,342
1,365
Total Stockholders Equity
--
--
--
--
--
5.26
1.78
--
--
--
--
--
--
-- Minority Interest
-48.47
68.09
973
1,042
976
928
871
900
724
850
1,164
1,252
1,342
1,365
Total Equity
-0.12
0.04
0.25
0.18
0.18
0.20
0.23
0.30
0.39
0.17
0.15
0.14
0.13
0.13
Equity-to-Asset
* All financial numbers are in millions except for per share data, ratios and percentage change.
GuruFocus Manual of Stocks™  |  Jul 05, 2025
LendingClub Corp (NYSE:LC)
www.gurufocus.com/stock/NYSE:LC/summary

Valuation Ratios

Valuation Ratios

Mar12
Dec13
Dec14
Dec15
Dec16
Dec17
Dec18
Dec19
Dec20
Dec21
Dec22
Dec23
Dec24
TTM Fiscal Period
N/A
N/A
At Loss
At Loss
At Loss
At Loss
At Loss
At Loss
At Loss
134
3.15
24.28
35.98
28.57
PE Ratio
N/A
N/A
633
78.93
At Loss
At Loss
At Loss
631
At Loss
134
6.24
24.28
35.98
28.57
PE Ratio without NRI
--
--
--
--
--
--
--
--
--
66.61
3.65
97.11
24.76
15.87
Price-to-Owner-Earnings
--
--
9.66
4.03
2.14
1.87
1.30
1.24
1.29
2.87
0.81
0.77
1.37
1.05
PB Ratio
--
--
10.87
4.47
2.29
1.99
1.33
1.26
1.42
3.58
0.87
0.83
1.46
1.12
Price-to-Tangible-Book
--
--
65.14
117
--
--
--
--
2.13
12.02
2.99
--
--
-- Price-to-Free-Cash-Flow
--
--
38.30
55.42
3,750
--
--
--
1.97
10.30
2.44
--
--
-- Price-to-Operating-Cash-Flow
--
--
11.00
11.24
4.78
3.46
1.87
1.50
2.70
3.02
0.77
1.10
2.33
1.75
PS Ratio
--
--
--
--
--
--
--
--
--
--
--
13.72
6.20
4.84
PEG Ratio
--
--
65.25
22.09
13.84
9.49
5.68
3.69
4.58
2.67
0.07
-0.27
1.16
0.69
EV-to-Revenue
--
--
--
--
--
--
--
-36.28
-32.38
-17.25
-17.03
-17.17
-24.55
-34.81
Forward Rate of Return (Yacktman) %
--
--
--
--
--
--
--
--
--
--
0.84
0.73
1.24
0.96
Cyclically Adjusted PB Ratio
--
--
--
--
--
--
--
--
--
--
1.09
1.07
2.00
1.52
Cyclically Adjusted PS Ratio
--
--
0.31
0.84
-2.46
-35.84
-61.30
-28.69
41.56
8.41
32.65
-124
-146
-152
FCF Yield %

Valuation and Quality

Mar12
Dec13
Dec14
Dec15
Dec16
Dec17
Dec18
Dec19
Dec20
Dec21
Dec22
Dec23
Dec24
TTM Fiscal Period
--
--
9,398
4,196
2,089
1,724
1,130
1,120
931
2,443
938
965
1,836
1,435
Market Cap
--
--
11,341
8,143
5,895
4,627
3,380
2,698
1,395
2,186
88.16
-230
910
566
Enterprise Value
--
--
127
55.25
26.25
20.65
13.15
12.62
10.56
24.18
8.80
8.74
16.19
12.57
Month End Stock Price
-5.81
-25.28
-27.55
-50.43
-47.54
-38.31
-28.01
-17.66
-5.35
-30.67
-50.80
-42.59
-73.48
-71.98
Net Cash per Share
-5.79
-26.35
-27.28
-50.00
-47.08
-37.90
-27.65
-17.39
-5.35
-30.67
-50.58
-42.35
-73.22
-71.72
Net-Net Working Capital
--
--
--
--
--
--
-15.14
-20.80
-16.32
-8.15
-1.97
-16.31
-42.63
-43.06
Intrinsic Value: Projected FCF
--
--
--
--
--
--
--
--
--
--
--
--
16.59
16.30
Median PS Value
--
--
--
--
--
--
--
--
--
--
--
--
2.61
2.99
Peter Lynch Fair Value
--
--
7.24
13.95
--
--
--
2.12
--
5.23
17.87
9.24
10.60
10.54
Graham Number
--
--
--
--
--
-37.00
-28.74
-19.59
-9.27
1.05
7.11
21.46
4.00
3.53
Earnings Power Value (EPV)
N/A
N/A
4.00
6.00
3.00
4.00
5.00
5.00
5.00
7.00
7.00
2.00
4.00
4.00
Piotroski F-Score
--
--
-2.31
-1.72
-2.41
-1.26
-2.23
-2.11
-5.56
-0.77
-1.96
-1.80
-1.40
-1.49
Beneish M-Score
0.70
4.61
1.50
1.28
0.83
0.69
0.67
0.65
0.40
0.32
0.06
0.01
0.05
0.05
Scaled Net Operating Assets
54.04
57.98
30.19
40.16
3.22
-12.48
-9.62
-13.88
-62.86
4.76
34.14
7.46
19.54
12.75
Sloan Ratio %
--
--
140
125
55.40
33.40
22.40
18.10
13.37
47.61
25.03
10.86
17.91
18.75
Highest Stock Price
--
--
115
54.15
17.55
17.55
12.70
11.06
4.41
9.50
8.35
5.01
7.52
7.90
Lowest Stock Price
--
--
-2.86
-2.23
-4.81
-4.90
-2.91
-3.29
0.68
-14.63
-5.45
-3.63
-2.69
-2.77
Shares Buyback Ratio %
--
--
-8.81
-0.12
0.68
-0.33
-0.46
-0.22
--
--
--
--
--
-- Buyback Yield %
--
648
66.58
-57.25
11.76
8.52
18.08
19.12
-53.35
105
42.44
-30.17
-12.72
-1.69
YoY Rev. per Sh. Growth
--
102
-13,850
97.73
-3,700
1.05
19.15
76.97
-491
109
1,450
-87.10
25.00
29.41
YoY EPS Growth
11.59
11.59
15.12
74.97
77.55
81.80
84.58
87.28
77.93
97.49
104
108
112
114
Shares Outstanding (Basic Average)
72.22
72.22
74.29
75.94
79.60
83.50
85.93
88.76
88.15
101
107
110
113
114
Shares Outstanding (EOP)
--
--
--
--
--
1.59
1.29
1.29
1.81
2.26
2.05
2.21
1.67
1.76
Beta
12/11/14
12/11/14
02/27/15
02/22/16
02/28/17
02/22/18
02/20/19
02/19/20
03/11/21
02/11/22
02/09/23
02/16/24
02/13/25
  Filing Date
12/11/14
02/22/16
02/28/17
02/22/18
02/20/19
02/19/20
03/11/21
02/11/22
02/09/23
02/16/24
02/13/25
02/13/25
02/13/25
  Restated Filing Date
02/11/16
02/14/17
02/20/18
02/19/19
02/19/20
03/10/21
01/26/22
01/25/23
01/31/24
01/28/25
  Earnings Release Date
--
--
364
89.00
69.00
58.00
49.00
36.00
76.00
35.00
34.00
34.00
33.00
33.00
Number of Shareholders
--
--
843
1,382
1,530
1,837
1,768
1,538
1,030
1,384
1,585
1,025
1,002
1,002
Number of Employees
* All financial numbers are in millions except for per share data, ratios and percentage change.
GuruFocus Manual of Stocks™  |  Jul 05, 2025
LendingClub Corp (NYSE:LC)
www.gurufocus.com/stock/NYSE:LC/summary

Business & Geographic Segmentation

Business Segments

Mar12
Dec13
Dec14
Dec15
Dec16
Dec17
Dec18
Dec19
Dec20
Dec21
Dec22
Dec23
Dec24
TTM Fiscal Period
--
--
--
--
--
--
--
--
--
760
1,161
833
760
802
LendingClub Bank
--
--
--
--
--
--
--
--
318
143
73.17
61.17
50.15
44.26
LendingClub Corporation (Parent Only)
--
--
--
--
--
--
--
--
--
-84.45
-47.21
-29.60
-23.23
-22.23
Intercompany Eliminations
--
--
--
--
426
488
595
655
244
--
--
--
--
-- Single segment

Geographic Segments

Mar12
Dec13
Dec14
Dec15
Dec16
Dec17
Dec18
Dec19
Dec20
Dec21
Dec22
Dec23
Dec24
TTM Fiscal Period
--
--
--
--
426
488
595
655
244
819
1,167
865
787
-- United States
* All financial numbers are in millions except for per share data, ratios and percentage change.
GuruFocus Manual of Stocks™  |  Jul 05, 2025
LendingClub Corp (NYSE:LC)
www.gurufocus.com/stock/NYSE:LC/summary

Explanation

1. Predictability Rank

GuruFocus Predictability Rank is a proprietary ranking of the consistency of a business. We rank the predictability of companies based on the consistency of their revenue per share and EBITDA (earnings before interest, tax, depreciation and amortization) per share over the past 10 fiscal years. Our study found that there is a strong correlation between the stock performance and the predictability of a business. Over the long term, companies with higher predictability also have better stock performance.

The rank is from 1-star to 5-star, with 5-star as the best.

2. Financial Strength

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors:

  1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
  2. Debt to revenue ratio. The lower, the better.
  3. Altman Z-Score.

The rank is from 1 to 10, with 10 as the highest.

A Financial Strength rank of 8 or above indicates good financial strength; between 4-7 indicates fair financial strength; 3 or below means poor financial strength.

3. Profitability Rank

GuruFocus Profitability Rank indicates how profitable a company is and how likely it is that the company's business will stay that way. It is based on these factors:

  1. Operating Margin %.
  2. Piotroski F-Score.
  3. Trend of the Operating Margin percentage (five-year average). A company with an uptrend in profit margin will have a higher rank.
  4. Consistency of the profitability.
  5. Predictability Rank.

The rank is from 1 to 10, with 10 as the highest.

A Profitability Rank of 8 or above indicates good profitability; between 4-7 indicates fair profitability; 3 or below means poor profitability.

4. Peter Lynch Chart

In Peter Lynch's excellent book, "One Up on Wall Street," he used many charts to illustrate the valuation of stocks. “A quick way to tell if a stock is overpriced is to compare the price line to the earnings line. If you bought familiar growth companies – such as Shoney’s, The Limited, or Marriott – when the stock price fell well below the earnings line, and sold them when the stock price rose dramatically above it, the chances are you’d do pretty well.”

The original Peter Lynch Chart does have limitations due to the right side price scale is pre-set at 15 times the earnings scale on the left side. When the stock price and earnings line coincide, the price-to-earnings ratio is always 15 times. Instead of using the fixed PE Ratio of 15, our approach is using 15-year historical median PE without NRI Ratio for each stock.

The Peter Lynch Chart with earnings line at median PE without NRI ratio works well for the companies with steady growth and earnings trends, or the stalwarts, as coined by Lynch. These companies tend to be found in sectors such as consumer staples, healthcare, and utilities, where the consumption of the product or service is relatively independent of economic conditions. It does not work well with the sectors that are cyclical: industrials, chemicals, durable goods, and so forth.

5. GF Value

Based on the relationship between the current stock price and the GF Value, GuruFocus provides the following 6 evaluations:

  1. Possible Value Trap, Think Twice
  2. Significantly Overvalued
  3. Modestly Overvalued
  4. Fairly Valued
  5. Modestly Undervalued
  6. Significantly Undervalued
There is only a sufficient margin of safety when the stock is undervalued.

Disclaimer

GuruFocus.com is not operated by a broker, a dealer, or a registered investment adviser. Under no circumstances does any information posted on GuruFocus.com represent a recommendation to buy or sell a security. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute, investment advice or recommendations. The gurus may buy and sell securities before and after any particular article and report and information herein is published, with respect to the securities discussed in any article and report posted herein. In no event shall GuruFocus.com be liable to any member, guest or third party for any damages of any kind arising out of the use of any content or other material published or available on GuruFocus.com, or relating to the use of, or inability to use, GuruFocus.com or any content, including, without limitation, any investment losses, lost profits, lost opportunity, special, incidental, indirect, consequential or punitive damages. Past performance is a poor indicator of future performance. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute, investment advice or recommendations. The information on this site is in no way guaranteed for completeness, accuracy or in any other way. The gurus listed in this website are not affiliated with GuruFocus.com, LLC. Stock quotes provided by InterActive Data. Fundamental company data provided by Morningstar, updated daily.