LendingClub Corporation
LC · Price history
Company & revenue
About LendingClub Corporation
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
LendingClub Corporation is a digital marketplace bank that provides a broad range of financial products and services. It operates an online platform that connects borrowers and investors, offering personal, auto refinance, and patient and small business financing solutions. The company's services aim to provide a more efficient and transparent alternative to traditional banking.
How they make money
LendingClub operates as a digital marketplace bank that generates revenue primarily through interest income on loans held for investment and non-interest income from loan origination fees, service fees, and gains on the sale of loans to marketplace investors. The company leverages its proprietary technology platform to connect borrowers with capital, retaining a portion of loans on its balance sheet while selling others to institutional and retail investors.
Products & services
LendingClub provides personal loans, business loans, and deposit products, including savings accounts and certificates of deposit, through its national bank subsidiary, LendingClub Bank.
Brands & revenue mix
The primary brand under which the company conducts its lending and banking operations.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer types
Customer concentration
No quantified customer-concentration disclosure is available in the current saved research.
Suppliers, materials & equipment
- Cloud and Data Infrastructure Providers — The company relies on third-party cloud computing and data storage services to host its proprietary technology platform and manage customer data.Source
Strengths
Sources
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
35
Poor
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
46
Weak
Financial Strength
34
Business Quality / Moat
45
Management
83
Growth Quality
19
Risk / Durability
47
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
40
Avoid
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
45/100
Building Historical Record
Model Score 45/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is low across its combined quality, valuation and risk inputs. This can reflect an expensive share price, business weaknesses, or both; check Company Quality and the category breakdown before drawing a conclusion.
At today’s price, the WSS valuation framework currently reads as less attractive based on the available valuation and market data.
The model outlook is currently cautious.
- •Asset quality scores strongly
- •Debt service risk
- •Valuation is a weaker part of the current profile
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for LC
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •What is driving LC's revenue decline, and does the latest company filing suggest the weakness is temporary or structural?
- •How long can LC fund negative free cash flow using its current cash position before it may need more debt or new shares?
- •Does LC's balance between cash and debt leave enough flexibility if business conditions weaken?
- •What future growth or profitability would be needed to justify LC's current valuation?
Essential Investment Snapshot
Wall Street Score
35
Opportunity Score
40
Market Cap
$2.22B
P/E Ratio
11.3
EPS
$1.70
52-Week High
$21.67
52-Week Low
$11.75
Beta
1.97
Intrinsic Value
$20.15
Analyst Target
$22.50
Shares Outstanding
118.9M
Total Revenue
$1.23B
Total Debt
$15.8M
Dividend
No current dividend
Liquidation Value / Share
$13.19
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Notices for LC
Detected from reported data — verify before acting.Debt service risk
Interest coverage is low (~1.0x). Earnings may be strained to cover interest expense.
Community Sentiment
0 active · 0 total callsNo personal call yet on LC.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Proprietary technology platform for loan origination and marketplace management.
- +National bank charter enabling direct deposit gathering and lending.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Financial - Credit Services industry.
- −Regulatory and compliance risks associated with banking operations and consumer protection laws.
- −Credit risk related to loans retained on the balance sheet.
- −Dependence on marketplace investor demand for loan sales.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
2 historical score records availablePrevious Score
32
Jul 24, 2026
Change
+2.4
points
Current Score
35
Oct 1, 2026
Category Changes
LC increased 2.4 points because Valuation improved by 16 points.
Positive Contributors
- + Valuation improved by 16 points
Negative Contributors
- − Management declined by 3.1 points
Projected Score
Projected Score
37
Projected Change
+2.6 points
Preliminary comparable-period financial changes suggest improvement of approximately 2.6 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
Near Fair ValueCurrent Price
$19.21
Model Intrinsic Value
$20.15
Difference
−$0.94
-4.7% vs IV
Margin of Safety
4.7%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.23B | $1.33B | $1.16B | $1.14B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $387.4M | $471.0M | $552.2M | $514.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $846.4M | $863.8M | $608.7M | $621.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $439.2M | $391.1M | $332.6M | $355.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $579.5M | $530.1M | $543.7M | $566.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $253.9M | $369.9M | $118.4M | $101.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $266.9M | $333.7M | $65.1M | $54.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $255.9M | $335.9M | $373.9M | $270.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $250.3M | $176.9M | $65.1M | $54.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $54.7M | $41.3M | $13.7M | $15.7M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $195.6M | $135.7M | $51.3M | $38.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $1.70 | $1.18 | $0.46 | $0.36 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 115M | 115M | 112M | 108M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 117M | 119M | 113M | 108M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$268.9M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$0.50
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
-100.0%
Cash Change
-98.4%
Margin Change
+10.1 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Margins expanded
- Debt reduced
What Weakened
- Cash position declined
Potential Score Impact
Positive indicators included EPS growth, debt levels, net income margin. Pressure indicators included revenue growth, cash levels. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue declined 18.8%. EPS increased 51.5%. Cash declined 98.4%. Total debt declined 100.0%. Net income margin improved by 10.1 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Dividend data is not available yet. Missing data does not mean this company pays no dividend.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
2 historical records2 historical score records available.
Historical Score Chart
2 of 2 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
Financial - Credit ServicesRumor Mill · LC
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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