Digital Banking and Hybrid Model Will Drive Wider Consumer Access Tomorrow

AN

AnalystConsensusTarget

AnalystConsensusTarget

Not Invested

Based on Analyst Price Targets

Published

24 Sep 24

Updated

10 Dec 25

Views

828

n/a

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AnalystConsensusTarget's Fair Value

n/a

1Y

6.7%

7D

-1.2%

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1Y

6.7%

7D

-1.2%

You can edit this narrative until Dec 11 9:05 PM. Then, changes will post as Updates.

Author's Valuation

US$22.1814.4% undervalued

AnalystConsensusTarget Fair Value

Shared on 10 Dec 25

Fair value Increased 1.24%

LC: Share Repurchases Will Drive Stronger Returns Through 2026

Analysts have nudged their price target on LendingClub slightly higher to approximately 22.18 dollars from around 21.91 dollars, citing modest improvements in fair value assumptions and expectations for a marginally higher future earnings multiple. What's in the News LendingClub Corporation has launched a share repurchase program authorizing the buyback of up to 100 million dollars of common stock, with the program running through December 31, 2026 (company announcement).

Shared on 26 Nov 25

LC: Share Repurchase Plan Will Support Stronger Returns Through 2026

Analysts have maintained LendingClub’s fair value estimate at $21.91 per share, citing improved revenue growth projections, which are balanced by a slightly lower profit margin outlook and a reduced discount rate. What's in the News LendingClub Corporation has announced a share repurchase program, authorizing the company to repurchase up to $100 million of its common stock through December 31, 2026.

Shared on 12 Nov 25

Fair value Increased 8.19%

LC: Share Buyback Authorization Will Drive Stronger Returns Through 2026

Analysts have raised their price target for LendingClub from $20.25 to $21.91. They cite improved revenue growth projections, despite slight changes in discount rate and profitability estimates.

Shared on 28 Oct 25

Fair value Increased 8.58%

Analysts have raised their price target for LendingClub from $18.65 to $20.25. They cited improved revenue growth and profit margin forecasts as key drivers for the update.

Shared on 14 Oct 25

Fair value Increased 3.90%

Analysts have raised their price target for LendingClub from $17.95 to $18.65, citing modest improvements in profit margin expectations even as they anticipate lower revenue growth. What's in the News LendingClub will hold an Analyst/Investor Day to discuss its strategic vision, product innovations, and financial performance (Key Developments).

Shared on 31 Jul 25

Fair value Increased 16%

Despite slightly lower consensus revenue growth forecasts, a significant improvement in net profit margin has driven analysts to raise LendingClub's fair value estimate, reflected in the higher price target of $17.75. What's in the News Shareholders did not approve proposed amendments to phase in declassification of the Board and remove supermajority voting requirements for amending governing documents.

Shared on 01 May 25

Fair value Decreased 9.65%

Shared on 23 Apr 25

Fair value Decreased 2.12%

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 17 Apr 25

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 09 Apr 25

Fair value Decreased 0.57%

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 02 Apr 25

Fair value Decreased 0.057%

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 26 Mar 25

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 19 Mar 25

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 11 Mar 25

Fair value Increased 15%

AnalystConsensusTarget has increased revenue growth from 0.7% to 5.4%, decreased profit margin from 20.2% to 14.7% and increased future PE multiple from 11.8x to 13.0x.

AnalystConsensusTarget Fair Value

US$22.18

14.4% undervalued

Future estimation in

Growth p.a.

Growth p.a.

%

Decrease

Increase

Current revenue growth rate

6.26%

Consumer Finance revenue growth rate

0.71%

Risk Level (Discount Rate)

Our default considers factors like the company's size, volatility, profitablity and country of operation.

%

0

Decrease

Increase

Current discount rate

7.84%

Calculation

US$329.39m

Earnings '28

x

10.22x

PE Ratio '28

=

US$3.37b

Market Cap '28

US$3.37b

Market Cap '28

/

121.25m

No. shares '28

=

US$27.76

Share Price '28

US$27.76 Share Price '28

Discounted to 2025 @ 7.84% p.a.

=

US$22.14

Fair Value '25