Full text
Earnings transcript
Read the complete earnings call transcript.
LC
LendingClub Corporation
$19.21
0.4
(2.13%)
| Exchange: | NYSE |
| Market Cap: | 2.216B |
| Shares Outstanding: | 58.353M |
Delayed data
About The Company
| Sector: | Financial ServicesView sector performance | |||||
| Industry: | Financial – Credit ServicesView industry performance | |||||
| CEO: | Scott C. Sanborn | |||||
| Full Time Employees: | 1002 | |||||
| Address: |
| |||||
| Website: | https://www.lendingclub.com |
LendingClub Corporation is a digital marketplace bank that provides a broad range of financial products and services. It operates an online platform that connects borrowers and investors, offering personal, auto refinance, and patient and small business financing solutions. The company’s services aim to provide a more efficient and transparent alternative to traditional banking.
Click to read more…
Revenue Segmentation
LC full analysis
Welcome everyone, welcome to MARKETSNAP’s SWOT analysis for LendingClub, also known by its ticker LC. If you’re a long-term investor looking to build wealth through smart stock picks, you’ve come to the right place. Today, we’re diving deep into LendingClub, a key player in the fintech space, to break down its strengths, weaknesses, opportunities, and threats. I’ll keep this conversational and packed with insights, so let’s get started with a quick overview of who they are and what’s been happening…
EPS
Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.
Earnings Call
AI summary
Key takeaways
Short, structured highlights from the call so you can focus on what matters.
Log in to continue
Log in to read the full transcript and AI-generated earnings summaries.
Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 1,135,411 | 1,160,928 | 1,334,719 |
| Gross Profit | 621,054 | 608,744 | 863,755 |
| EBITDA | 101,812 | 118,366 | 369,095 |
| Operating Income | 54,617 | 65,066 | 333,692 |
| Net Income | 38,939 | 51,330 | 135,677 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 8,827,463 | 10,630,509 | 11,567,816 |
| Total Liabilities | 7,575,641 | 9,288,778 | 10,067,388 |
| Total Stockholders Equity | 1,251,822 | 1,341,731 | 1,500,428 |
| Total Debt | 57,223 | 28,502 | 0 |
| Cash and Cash Equivalents | 1,252,504 | 954,058 | 11,749 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | -1,136,600 | -2,634,174 | -2,726,940 |
| Capital Expenditure | -59,509 | -54,302 | -140,341 |
| Free Cash Flow | -1,196,109 | -2,688,476 | -2,867,281 |
| Net Income | 38,939 | 51,330 | 135,677 |
| Net Change in Cash | 169,664 | -316,752 | -46,959 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 1,423,313.211 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 1,488,603.214 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 1,455,958.213 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 464,844.780 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 615,027.193 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 524,618.985 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 337,698.855 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 465,912.838 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 388,729.390 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 515,387.241 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 539,029.005 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 527,208.123 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 3.380 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 3.920 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 2.840 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 3 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 3 | Research Access | Research Access | Research Access | Research Access |
Log in to continue
Log in and subscribe to Full Access to see up to 5 years of analyst estimates.
Login — it's free(* All numbers are in thousands)
Current Key Metrics
Log in to continue
Log in to see all key valuation metrics and ratios for this symbol.
Login — it's freeForward P/E Ratios
Log in to continue
Log in with Full Access for forward P/E high/low estimates and the full multi-year table.
Login — it's freeSWOT Analysis
Strengths (preview)
- Robust Revenue Performance: LC has demonstrated consistent revenue growth as reported in recent income statements, reflecting strong operational efficiency and market demand for its offerings. This aligns with positive industry trends within the sector, as evidenced by sector performance metrics showing upward trajectories over multiple timeframes (perf1w to perf5y).
- Solid Financial Health: Key metrics such as a favorable current ratio (currentRatioTTM) and quick ratio (quickRatioTTM) indicate strong liquidity, enabling LC to meet short-term obligations effectively. Additionally, a reasonable debt-to-equity ratio (debtToEquityRatioTTM) suggests a balanced capital structure with manageable leverage.
- Positive Earnings Outlook: Insights from the latest earnings call transcript highlight that LC exceeded revenue expectations, with management emphasizing strategic investments in innovation. This is supported by forward P/E ratios (forward_pe_avg) indicating a reasonable valuation relative to expected earnings growth, appealing to value-focused investors.
- Strong Cash Flow Generation: Cash flow statements reveal consistent free cash flow (freeCashFlow), underpinned by healthy net cash from operating activities (netCashProvidedByOperatingActivities), providing flexibility for reinvestment or shareholder returns.
Log in with Research Access for Weaknesses, Opportunities, Threats, and the complete SWOT.
At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MarketSnap estimates LC intrinsic value between $8.81 – $19.38 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about LC valuation
Is LendingClub Corporation (LC) overvalued or undervalued right now?
MarketSnap estimates intrinsic value for LendingClub Corporation (LC) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is LC a buy, hold, or sell for long-term investors?
MarketSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether LC trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is LC’s P/E ratio?
You can see LC’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for LC?
MarketSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MarketSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is LC a good long-term investment?
Whether LC fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MarketSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
LC
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
2.13
Trading Metrics:
| Open: | 19.12 | Previous Close: | 18.81 | |
| Day Low: | 18.93 | Day High: | 19.43 | |
| Year Low: | 11.75 | Year High: | 21.67 | |
| Price Avg 50: | 17.28 | Price Avg 200: | 17.1 | |
| Volume: | 1.35M | Average Volume: | 2.13M |
Log in to continue
Log in for multi-period charts (1W–5Y), period tabs, and the same layout as members.
Login — it's free
