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LC

NEUTRAL
$16.87 Live
LendingClub Corporation · NYSE
Target $22.5 (+33.4%)
$9.0 52W Range $21.67
Overview AI Snowflake Price Valuation Profitability Growth Health Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 29, 2026
Market cap
$1.95B
P/E
11.25
ROE
12.2%
Profit margin
12.8%
Debt/Equity
N/A
Dividend yield
N/A

AI Analysis

AI-powered fundamental assessment

Confidence
85%
LendingClub (LC) presents a stark contradiction between explosive growth and deteriorating fundamental health, highlighted by a weak Piotroski F-Score of 2/9. While the stock is significantly undervalued relative to its Graham Number ($20.95) and Intrinsic Value ($44.25), this value is offset by a bearish technical trend and consistent insider selling. The company's ability to deliver massive YoY earnings growth (340%) and consistent EPS beats is impressive, but the underlying financial health metrics suggest systemic fragility. Consequently, LC is a high-risk speculative value play rather than a stable investment.

Key Strengths

Exceptional YoY Earnings Growth of 340%
Strong earnings track record with 3/4 beats in the last 4 quarters
Significant undervaluation relative to Graham Number ($20.95) and Intrinsic Value ($44.25)
Attractive Forward P/E of 7.31, well below sector averages
Positive ROE of 12.16% indicating efficient equity utilization

Key Risks

Critical fundamental weakness indicated by a Piotroski F-Score of 2/9
Bearish insider sentiment with 7 sell transactions and 0 buys in 6 months
Technical trend is completely bearish (0/100)
Lack of dividend yield or payout to support long-term holders
High volatility in quarterly earnings surprises
AI Fair Value Estimate
Based on comprehensive analysis
$22.0
+30.4% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
52
Moderate
Value
90
Future
85
Past
65
Health
20
Dividend
0
AI Verdict
Speculative Value
Key drivers: Massive earnings growth, Deep valuation discount, Poor Piotroski health score
Confidence
80%
Value
90/100

Current Price $16.87 vs Graham $20.95 and Intrinsic $44.25

Positives
  • Price is below Graham Number
  • Low P/E and Forward P/E
  • Price/Book ratio of 1.30 is reasonable
Watchpoints
No urgent risks highlighted.
Future
85/100

Strong growth trajectory in both top and bottom lines

Positives
  • 340% YoY Earnings Growth
  • 22.68% Q/Q Revenue Growth
Watchpoints
No urgent risks highlighted.
Past
65/100

Strong recent momentum but poor long-term historical return

Positives
  • Consistent history of beating EPS estimates
  • Strong 1Y price performance (+53.6%)
Watchpoints
  • Poor 5Y change (+5.5%)
Health
20/100

F-Score 2/9 is a major red flag for fundamental stability

Positives
No standout positives identified.
Watchpoints
  • Piotroski F-Score of 2/9 indicates weak financial health
Dividend
0/100

Non-dividend paying stock

Positives
No standout positives identified.
Watchpoints
  • No dividend payments
  • 0% payout ratio

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$16.87
Analyst Target
$22.5
Upside/Downside
+33.4%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for LC and closest competitors.

Updated 2026-04-28
LC
LendingClub Corporation
Primary
5Y
+5.5%
3Y
+135.0%
1Y
+53.6%
6M
-6.4%
1M
+22.2%
1W
-3.0%
NWB
Northwest Bancshares, Inc.
Peer
5Y
+28.2%
3Y
+44.7%
1Y
+20.2%
6M
+9.1%
1M
+6.2%
1W
-1.3%
AAM
Acadian Asset Management Inc.
Peer
5Y
+169.4%
3Y
+146.4%
1Y
+115.3%
6M
+38.3%
1M
+14.0%
1W
+1.4%
KMP
Kemper Corporation
Peer
5Y
-54.6%
3Y
-25.5%
1Y
-41.3%
6M
-25.7%
1M
+11.5%
1W
+2.1%
EVT
Eaton Vance Tax-Advantaged Dividend Income Fund
Peer
5Y
+41.6%
3Y
+47.7%
1Y
+26.1%
6M
+8.6%
1M
+5.2%
1W
-1.1%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
11.25
Forward P/E
7.31
PEG Ratio
N/A
P/B Ratio
1.3
P/S Ratio
1.42
EV/Revenue
0.84
EV/EBITDA
3.87
Market Cap
$1.95B

Profitability

Profit margins and return metrics

Profit Margin 12.8%
Operating Margin 45.16%
Gross Margin 39.19%
ROE 12.16%
ROA 1.29%

Growth

Revenue and earnings growth rates

Revenue Growth +12.5%
Earnings Growth +340.0%
Q/Q Revenue Growth +22.68%
Q/Q Earnings Growth +342.1%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$6.94

Quarterly Earnings History

EPS performance vs analyst estimates

2026-07-28
$N/A
2026-04-27
$0.44
+23.7% surprise
2026-01-28
$0.35
+4.1% surprise
2025-10-22
$0.37
+20.9% surprise

Financial Services Sector Comparison

Comparing LC against 864 companies in the Financial Services sector (145 bullish, 368 neutral, 351 bearish)
P/E Ratio
11.25
This Stock
vs
34.88
Sector Avg
-67.8% (Discount)
Return on Equity (ROE)
12.16%
This Stock
vs
-0.39%
Sector Avg
-3242.5% (Below Avg)
Profit Margin
12.8%
This Stock
vs
93.92%
Sector Avg
-86.4% (Weaker)
Revenue Growth
12.5%
This Stock
vs
36.33%
Sector Avg
-65.6% (Slower)

Similar Companies

Peer comparison within the same industry

LC LendingClub Corporation
NEUTRAL
Mkt Cap
$1.9B
P/E
11.2
ROE
12.2%
Price
$16.87
NWBI Northwest...
BULLISH
Mkt Cap
$1.9B
P/E
14.4
ROE
7.2%
Price
$13.28
 Compare with LC
AAMI Acadian Asset...
NEUTRAL
Mkt Cap
$2.0B
P/E
23.5
ROE
205.6%
Price
$55.19
 Compare with LC
KMPR Kemper Corporation
BEARISH
Mkt Cap
$2.0B
P/E
14.7
ROE
4.9%
Price
$33.62
 Compare with LC
EVT Eaton Vance...
NEUTRAL
Mkt Cap
$1.9B
P/E
10.3
ROE
9.4%
Price
$25.67
 Compare with LC

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

SELLECK ERIN
Director
Sell
2026-03-05
2,390 shares · $36,949
STACK FERGAL
Officer
Stock Award
2026-02-25
10,671 shares
LABENNE ANDREW
Chief Financial Officer
Stock Award
2026-02-25
30,632 shares
ARMSTRONG ANNIE B
Officer
Stock Award
2026-02-25
21,619 shares
CHENG JORDAN
General Counsel
Stock Award
2026-02-25
12,122 shares
SANBORN SCOTT C
Chief Executive Officer
Stock Award
2026-02-25
534,895 shares
LABENNE ANDREW
Chief Financial Officer
Gift
2026-02-17
3,000 shares
ARMSTRONG ANNIE B
Officer
Sell
2026-02-17
5,333 shares · $82,502
LABENNE ANDREW
Chief Financial Officer
Stock Award
2026-01-16
70,897 shares
ARMSTRONG ANNIE B
Officer
Stock Award
2026-01-16
50,641 shares
ARMSTRONG ANNIE B
Officer
Sell
2026-01-16
6,666 shares · $135,853
SANBORN SCOTT C
Chief Executive Officer
Stock Award
2026-01-16
278,520 shares
ARMSTRONG ANNIE B
Officer
Sell
2025-12-22
1,333 shares · $26,681
ARMSTRONG ANNIE B
Officer
Sell
2025-12-17
5,333 shares · $100,435
ARMSTRONG ANNIE B
Officer
Sell
2025-12-11
5,332 shares · $106,640
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K
8-K
2026-04-27

LC reported its first-quarter financial results for 2026.

DEF 14A
DEF 14A
2026-04-21

LC filed a definitive proxy statement on April 21, 2026, providing shareholders with necessary information to vote on corporate matters at the upcoming annual meeting.

10-K
10-K
2026-02-12

LC submitted its 10-K annual report on February 12, 2026, which includes disclosures regarding its business operations, risk factors, and financial condition. Due to the absence of specific data in the provided excerpts, detailed financial highlights and specific risk assessments are unavailable.

8-K
8-K
2026-01-28

LC filed an 8-K on January 28, 2026, likely to announce its quarterly or annual financial results.

8-K
8-K
2026-01-27

Li Cycle Holdings Corp likely reported its fourth quarter and full-year financial results for the fiscal year ending 2025.

8-K
8-K
2025-11-05
10-Q
10-Q
2025-10-30

LendingClub Holding Company reports that principal payments on its loans HFI are reducing the portfolio's outstanding balance, which diminishes the fair value impact of interest rate fluctuations. The company continues to manage market risk by monitoring interest rate sensitivity across its assets and liabilities.

8-K
8-K
2025-10-22

LC filed an 8-K on October 22, 2025, likely to announce its third-quarter financial results.

10-Q
10-Q
2025-07-31

LendingClub Holding Company reports that principal payments on its loans HFI are reducing the portfolio's outstanding balance, which diminishes the fair value impact of interest rate fluctuations. The company continues to manage market risk by monitoring interest rate sensitivity across its assets and liabilities.

8-K
8-K
2025-07-29
8-K
8-K
2025-06-05
10-Q
10-Q
2025-05-01
8-K
8-K
2025-04-29
DEF 14A
DEF 14A
2025-04-23
8-K
8-K
2025-04-17
Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
STRONG_BUY
10 analysts
Stephens & Co.
2026-04-28
Maintains
Overweight Overweight
BTIG
2026-01-29
reit
Buy Buy
JP Morgan
2025-12-04
Maintains
Overweight Overweight
Citizens
2025-11-10
up
Market Perform Market Outperform
Keefe, Bruyette & Woods
2025-11-07
Maintains
Outperform Outperform
Janney Montgomery Scott
2025-11-06
Maintains
Neutral Neutral
BTIG
2025-11-06
Maintains
Buy Buy

Past News Coverage

Recent headlines mentioning LC from our newsroom.

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