LendingClub Corporation provides unsecured personal loans in the United States. More Details
High growth potential and overvalued.
Share Price & News
How has LendingClub's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: LC's share price has been volatile over the past 3 months.
7 Day Return
US Consumer Finance
1 Year Return
US Consumer Finance
Return vs Industry: LC underperformed the US Consumer Finance industry which returned -21.6% over the past year.
Return vs Market: LC underperformed the US Market which returned 12% over the past year.
Price Volatility Vs. Market
How volatile is LendingClub's share price compared to the market and industry in the last 5 years?
Simply Wall St News
2 weeks ago | Simply Wall StDo Institutions Own LendingClub Corporation (NYSE:LC) Shares?
1 month ago | Simply Wall StWho Has Been Buying LendingClub Corporation (NYSE:LC) Shares?
2 months ago | Simply Wall StHow Much Is LendingClub's (NYSE:LC) CEO Getting Paid?
Is LendingClub undervalued compared to its fair value and its price relative to the market?
Price to Book (PB) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate LC's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate LC's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: LC is unprofitable, so we can't compare its PE Ratio to the US Consumer Finance industry average.
PE vs Market: LC is unprofitable, so we can't compare its PE Ratio to the US market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate LC's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: LC is good value based on its PB Ratio (0.6x) compared to the US Consumer Finance industry average (1x).
How is LendingClub forecast to perform in the next 1 to 3 years based on estimates from 9 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: LC is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (2.2%).
Earnings vs Market: LC is forecast to become profitable over the next 3 years, which is considered above average market growth.
High Growth Earnings: LC's is expected to become profitable in the next 3 years.
Revenue vs Market: LC's revenue (25.6% per year) is forecast to grow faster than the US market (10% per year).
High Growth Revenue: LC's revenue (25.6% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: LC's Return on Equity is forecast to be low in 3 years time (2.3%).
How has LendingClub performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: LC is currently unprofitable.
Growing Profit Margin: LC is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: LC is unprofitable, and losses have increased over the past 5 years at a rate of 11.3% per year.
Accelerating Growth: Unable to compare LC's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: LC is unprofitable, making it difficult to compare its past year earnings growth to the Consumer Finance industry (-25.8%).
Return on Equity
High ROE: LC has a negative Return on Equity (-16.98%), as it is currently unprofitable.
How is LendingClub's financial position?
Financial Position Analysis
Short Term Liabilities: LC's short term assets ($1.1B) exceed its short term liabilities ($188.6M).
Long Term Liabilities: LC's short term assets ($1.1B) do not cover its long term liabilities ($1.5B).
Debt to Equity History and Analysis
Debt Level: LC's debt to equity ratio (90.2%) is considered high.
Reducing Debt: LC's debt to equity ratio has increased from 0.2% to 90.2% over the past 5 years.
Cash Runway Analysis
For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.
Stable Cash Runway: LC has less than a year of cash runway based on its current free cash flow.
Forecast Cash Runway: Insufficient data to determine if LC has enough cash runway if its free cash flow continues to grow or shrink based on historical rates.
What is LendingClub current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate LC's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate LC's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if LC's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if LC's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of LC's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Scott Sanborn (51 yo)
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, 2 ...
CEO Compensation Analysis
Compensation vs Market: Scott's total compensation ($USD6.12M) is above average for companies of similar size in the US market ($USD1.96M).
Compensation vs Earnings: Scott's compensation has increased whilst the company is unprofitable.
|CEO & Director||4.42yrs||US$6.12m||0.82% |
|Chief Financial Officer||4yrs||US$3.78m||0.16% |
|General Counsel & Corporate Secretary||1.83yrs||US$2.50m||0.049% |
|Chief Banking Integration Officer||4yrs||US$2.64m||0.089% |
|Principal Accounting Officer & Corporate Controller||3.17yrs||no data||0.065% |
|Chief Technology Officer||2.42yrs||US$4.59m||0.095% |
|Head of Investor Relations||no data||no data||no data|
|Chief People Officer||2.42yrs||no data||no data|
|Chief People Officer||no data||no data||no data|
|Chief Capital Officer||4.17yrs||no data||0.080% |
|Head of Retail Investors & Senior VP||4.17yrs||no data||no data|
|Chief Platform Officer||1yr||no data||no data|
Experienced Management: LC's management team is considered experienced (3.6 years average tenure).
|CEO & Director||4.42yrs||US$6.12m||0.82% |
|Independent Director||13.17yrs||US$188.33k||0.27% |
|Independent Director||3.25yrs||US$185.48k||0.037% |
|Independent Director||2.83yrs||US$181.09k||0.032% |
|Independent Director||1yr||US$265.25k||no data|
|Independent Director||4.17yrs||US$186.66k||0.051% |
|Independent Director||5.83yrs||US$223.01k||0.015% |
|Independent Chairman||4.42yrs||US$201.26k||0.039% |
|Independent Director||2.58yrs||US$185.48k||0.025% |
Experienced Board: LC's board of directors are considered experienced (4.2 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 3.8%.
LendingClub Corporation's company bio, employee growth, exchange listings and data sources
- Name: LendingClub Corporation
- Ticker: LC
- Exchange: NYSE
- Founded: 2006
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: US$428.076m
- Shares outstanding: 90.50m
- Website: https://www.lendingclub.com
Number of Employees
- LendingClub Corporation
- 595 Market Street
- Suite 200
- San Francisco
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|LC||NYSE (New York Stock Exchange)||Yes||Common Stock||US||USD||Dec 2014|
|8LCA||DB (Deutsche Boerse AG)||Yes||Common Stock||DE||EUR||Dec 2014|
LendingClub Corporation provides unsecured personal loans in the United States. It operates an online lending marketplace platform that connects borrowers and investors. The company’s marketplace facilitat ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/10/31 00:30|
|End of Day Share Price||2020/10/30 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.