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LC stock logo

LC

LendingClub Corporation

$19.21
0.4
 (2.13%)
Exchange:  NYSE
Market Cap:  2.216B
Shares Outstanding:  58.353M
Delayed data
Calculate LC Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Financial – Credit Services
   
CEO:  Scott C. Sanborn
Full Time Employees:  1002
Address: 
595 Market Street
San Francisco
CA
94105
US
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.

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Revenue Segmentation

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EPS

Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.

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View full analyst estimates

Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/07/27 — 2 quarter 2026

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue1,135,4111,160,9281,334,719
Gross Profit621,054608,744863,755
EBITDA101,812118,366369,904
Operating Income54,61765,066333,692
Net Income38,93951,330135,677

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets8,827,46310,630,50911,567,816
Total Liabilities7,575,6419,288,77810,067,388
Total Stockholders Equity1,251,8221,341,7311,500,428
Total Debt57,22328,5020
Cash and Cash Equivalents1,252,504954,05811,749

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
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 Income38,93951,330135,677
Net Change in Cash169,664-316,752-46,959

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2028Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Low)1,423,313.211Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (High)1,488,603.214Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Avg)1,455,958.213Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Low)197,447.669Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (High)206,504.958Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Avg)201,976.314Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Low)337,698.855Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (High)465,912.838Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Avg)388,729.390Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Low)515,387.241Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (High)539,029.005Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Avg)527,208.123Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Avg)3.380Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (High)3.920Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Low)2.840Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated Revenue)3Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated EPS)3Research AccessResearch AccessResearch AccessResearch Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
1.316B  ?P/S
 (TTM)
: 
1.8
?Net Income
 (TTM)
: 
51.33M  ?P/E
 (TTM)
: 
11.3
?Enterprise Value
 (TTM)
: 
2.204B  ?EV/FCF
 (TTM)
: 
-0.75
?Dividend Yield
 (TTM)
: 
0%  ?Payout Ratio
 (TTM)
: 
0%
?ROE
 (TTM)
: 
12.92%  ?ROIC
 (TTM)
: 
5.58%
?Net Debt
 (TTM)
: 
-948894000  ?Debt/Equity
 (TTM)
: 
0
?P/B
 (TTM)
: 
1.41  ?Current Ratio
 (TTM)
: 
0

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Research Access for high/low estimates and the interactive table.

Forward P/E 1YResearch AccessResearch AccessResearch AccessResearch Access
12.16Research AccessResearch AccessResearch AccessResearch Access

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SWOT 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.

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

[intrinsic_calculator]

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
MARKETSnap

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

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LC full analysis

18/08/2025

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…

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See in Nexus

Relevant news

Happen Sheds LendingClub Name and Launches Digital Bank
22-06-2026 14:38
Happen Sheds LendingClub Name and Launches Digital Bank
LendingClub Officially Becomes Happen Bank, Marking a New Chapter for the Digital-First Bank
22-06-2026 09:05
LendingClub Officially Becomes Happen Bank, Marking a New Chapter for the Digital-First Bank
LendingClub: The Transformation From Lending Platform To Digital Banking Provider Is On
15-06-2026 17:28
LendingClub: The Transformation From Lending Platform To Digital Banking Provider Is On
LendingClub: Out Growing This Valuation
29-04-2026 09:34
LendingClub: Out Growing This Valuation
LendingClub's Scott Sanborn Saw ‘Happen Bank' Coming a Decade Ago
28-04-2026 04:00
LendingClub's Scott Sanborn Saw ‘Happen Bank' Coming a Decade Ago
LendingClub Corporation (LC) Q1 2026 Earnings Call Transcript
28-04-2026 01:51
LendingClub Corporation (LC) Q1 2026 Earnings Call Transcript

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