A Business at a Glance
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Item 1. Business A Digital Bank for the Motivated Middle LendingClub operates a leading nationally chartered digital bank focused on serving a large and underserved segment of creditworthy U.S. consumers that we refer to as the “motivated middle.” These consumers are digitally capable, value-conscious, and make frequent use of credit to achieve intentional financial goals; however, they are often poorly served by traditional financial institutions due to structural inefficiencies and limited transparency. Our branchless, mobile-first platform enables members to apply for and manage lending and banking products digitally, delivering competitive pricing and a streamlined experience. We focus on high-demand areas of lending where inefficiencies persist, including personal loans, auto refinance, and point-of-sale financing for major purchases.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 999M | 999M | 787M | 865M | 1.2B | 819M |
| Net Income | 136M | 136M | 51M | 39M | 290M | 19M |
| EPS | $1.16 | $1.16 | $0.45 | $0.36 | $2.79 | $0.18 |
| Free Cash Flow | -2.9B | -2.9B | -2.7B | -1.2B | 306M | 205M |
| ROIC | 9.0% | 9.5% | 3.8% | 3.1% | 24.9% | 2.1% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.00 | 0.00 | 0.00 | 0.02 | 0.05 | 0.05 |
| Dividends/Share | $0.00 | - | - | - | - | $0.00 |
| Operating Income | 17M | 17M | 10M | 11M | 29M | 27M |
| Operating Margin | 1.7% | 1.7% | 1.3% | 1.3% | 2.4% | 3.3% |
| ROE | 9.0% | 9.5% | 3.8% | 3.1% | 24.9% | 2.2% |
| Shares Outstanding | 117M | 117M | 114M | 108M | 104M | 103M |
LendingClub Corp passes 2 of 9 quality checks, indicating weak fundamentals.
LendingClub Corp trades at 13.4x trailing earnings, compared to its 15-year median P/E of 20.8x, suggesting it is currently Fair relative to its historical range. The company's 5-year average ROIC is 8.7%. At current prices, the estimated annualized return to fair value is +5.6%.
LendingClub Corp (LC) has a current P/E ratio of 13.4, compared to its historical median P/E of 20.8. The stock is currently considered Fair based on its historical valuation range.
LendingClub Corp (LC) has a 5-year average return on invested capital (ROIC) of 8.7%. This is below average and may indicate limited pricing power.
LendingClub Corp (LC) has a market capitalization of $1.8B. It is classified as a small-cap stock.
LendingClub Corp (LC) does not currently pay a regular dividend.
Based on historical P/E analysis, LendingClub Corp (LC) appears fair. The current P/E of 13.4 is 36% below its historical median of 20.8. The estimated fair value CAGR (P/E method) is -10.9%.
LendingClub Corp (LC) operates in the Personal Credit Institutions industry, within the Financials sector.
LendingClub Corp (LC) reported annual revenue of $999 million in its most recent fiscal year, based on SEC EDGAR filings.
LendingClub Corp (LC) has a net profit margin of 13.6%. This is a healthy margin.
LendingClub Corp (LC) generated $-2.9 billion in free cash flow in its most recent fiscal year. Negative free cash flow may indicate heavy investment or operational challenges.
LendingClub Corp (LC) has a debt-to-equity ratio of 0.00. This indicates a conservatively financed balance sheet.
LendingClub Corp (LC) reported earnings per share (EPS) of $1.16 in its most recent fiscal year.
LendingClub Corp (LC) has a return on equity (ROE) of 9.5%. This indicates moderate shareholder returns.
The Ledger Terminal provides 15 years of financial data for LendingClub Corp (LC), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
LendingClub Corp (LC) has a book value per share of $12.83, based on its most recent annual SEC filing.
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