Value is all about what a company is worth versus what price it is
available for. If you went into a grocery store and all the bananas were on sale
at half price, they could be considered
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
It is not possible to calculate the future cash flow value for
LendingClub. This is due to cash flow or dividend data being
unavailable. The share price is
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for
it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing
when they are out of season, or how much your home is worth.
The amount the stock market is willing to pay for
is considered below, and whether this is a fair price.
Price based on past earnings
LendingClub's earnings available for a low price, and how does
this compare to other companies in the same industry?
LendingClub's earnings are expected to grow significantly at over 20% yearly.
LendingClub's revenue is expected to grow by 10.5% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can
be gauged below. We look back 3 years and see if they were any good at
predicting what actually occurred. We also show the highest and lowest estimates
looking forward to see if there is a wide range.
LendingClub's performance over the past 5 years by checking for:
Has earnings increased in past 5 years? (1 check)
Has the earnings growth in the last year exceeded that of the
industry? (1 check)
Is the recent earnings growth over the last year higher than the average annual growth over the
past 5 years? (1 check)
Is the Return on Equity (ROE) higher than 20%? (1 check)
Is the Return on Assets (ROA) above industry average? (1 check)
Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent
earnings report. Some checks require at least 3 or 5 years worth of data.
has a total score of
0/6, see the detailed checks below.
Note: We use GAAP Net Income excluding extraordinary items in all our calculations.
Management is one of the most important areas of a company. We look at
unreasonable CEO compensation, how long the team and board of directors have
been around for and insider trading.
TENURE AS CEO
Mr. Scott C. Sanborn has been the Chief Executive Officer of LendingClub Corporation since June 28, 2016. Mr. Sanborn served as the President of LendingClub Corporation since April 18, 2016 until May 22, 2017. He served as Acting Chief Executive Officer of LendingClub Corporation from May 6, 2016 to June 28, 2016. Mr. Sanborn served as the Chief Operating & Marketing Officer at LendingClub Corporation from April 2013 to April 21, 2016 and served as its Chief Marketing Officer from May 24, 2010 to March 2013. Mr. Sanborn served as the Chief Marketing & Revenue Officer at eHealth, Inc. since November 2008. He served as Chief Marketing Officer of RedEnvelope Inc. from April 2007 to June 2008 and also served as its Interim President. Before joining RedEnvelope, Mr. Sanborn held several senior marketing positions at Home Shopping Network (HSN Inc.), a television and internet retailer of consumer products, from December 2002 to April 2007 and also held vice president of marketing positions at Home Shopping Network and for its online business. He served as Senior Vice President of Marketing at HSN, Inc. since October 10, 2005. Prior to Home Shopping Network, He worked in marketing and advertising agencies including i-traffic/Agency.com in San Francisco and Ammirati Puris Lintas in Holland. He has been a Director of LendingClub Corporation since August 8, 2016. He has been a Director of CircleUp Network, Inc. since January 2015. Mr. Sanborn holds a B.A. degree in English and Literature from Tufts University.
Scott's compensation has been consistent with company performance over the past year.
Scott's remuneration is higher than average for companies of similar size in United Kingdom of Great Britain and Northern Ireland.
Management Team Tenure
Average tenure and age of the
management team in years:
The average tenure for the LendingClub management team is less than 2 years, this suggests a new team.
CEO & Director
Chief Financial Officer
Chief Risk Officer
Principal Accounting Officer & Corporate Controller
Chief Technology Officer
Head of Investor Relations
Interim General Counsel & Corporate Secretary
Chief People Officer
Chief Capital Officer
Board of Directors Tenure
Average tenure and age of the
board of directors in years:
The average tenure for the LendingClub board of directors is less than 3 years, this suggests a new board.
LendingClub Corporation operates an online marketplace platform that connects borrowers and investors in the United States. Its marketplace facilitates various types of loan products for consumers and small businesses, including unsecured personal loans, unsecured education and patient finance loans, auto refinance loans, and unsecured small business loans. The company also provides an opportunity to the investors to invest in a range of loans based on term and credit. LendingClub Corporation was founded in 2006 and is headquartered in San Francisco, California.
Simply Wall Street Pty Ltd (ACN 600 056 611), is a Corporate Authorised Representative (Authorised Representative Number: 467183) of Sanlam Private Wealth Pty Ltd (AFSL No. 337927). Any advice contained in this website is general advice only and has been prepared without considering your objectives, financial situation or needs. You should not rely on any advice and/or information contained in this website and before making any investment decision we recommend that you consider whether it is appropriate for your situation and seek appropriate financial, taxation and legal advice. Please read our Financial Services Guide before deciding whether to obtain financial services from us.