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LC Overview

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$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
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Intellectia

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High
18.055
Open
17.200
VWAP
17.68
Vol
2.82M
Mkt Cap
2.06B
Low
17.150
Amount
49.91M
EV/EBITDA(TTM)
4.44
Total Shares
115.35M
EV
1.30B
EV/OCF(TTM)
--
P/S(TTM)
1.53
LendingClub Corporation is a bank holding company. The Company operates its business through its subsidiary, LendingClub Bank, National Association (LC Bank). LC Bank is the digital marketplace bank that leverages data and technology to increase access to credit, reduce borrowing costs, and improve returns on savings for its members. Its primary loan products include personal loans, major purchase finance, and auto refinance. LC Bank’s commercial lending business is primarily focused on small businesses, and it participates in the United States small business administration lending programs. Its deposit business includes sourcing deposits directly from customers and from third-party marketing channels and deposit brokers. It offers a range of insured deposit products, including high-yield savings accounts, checking accounts, and certificates of deposit (CDs). Its consumer loans are either retained by LC Bank or sold to marketplace investors through its proprietary loan marketplace.
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Events Timeline

(ET)
2026-05-08
09:10:00
Marqeta Appoints Lukasz Strozek as CTO
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2026-04-30 (ET)
2026-04-30
08:50:00
Largest Indicative Borrow Rate Increases Among Liquid Option Names
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2026-04-27 (ET)
2026-04-27
19:40:00
Equity Futures Slightly Up, Tech Stocks Perform Strongly
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2026-04-27
16:20:00
Sees FY26 Loan Originations at $11.6B-$12.6B
select
2026-04-27
16:10:00
Sees Q2 Loan Originations at $3B-$3.1B
select
2026-04-27
16:10:00
LendingClub Reports Q1 Revenue of $252.3 Million
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2026-04-21 (ET)
2026-04-21
09:10:00
LendingClub Rebrands LendingClub Bank to Happen Bank
select

News

CNBC
8.5
05-27CNBC
Fed Rate Hike Expectations Impact Savings Yields
  • Inflation Pressure Intensifies: According to AAA, the current national average gasoline price stands at $4.459 per gallon, up from $3.174 a year ago, reflecting the ongoing impact of the Iran war on fuel prices, which exacerbates consumer living costs.
  • Rate Expectation Shifts: The CME Group's FedWatch indicates nearly a 50% likelihood of a Fed rate hike in December, causing savers to feel uneasy about future rate trends, which impacts yields on cash instruments.
  • Rising Bank Deposit Rates: Bread Financial has raised its 1-year CD annual percentage yield to 4%, an increase of 15 basis points from the previous week, driven by loan growth and rate expectations, attracting more savers' attention.
  • Short-Term Cash Investment Appeal: While current CD rates, such as Popular Direct's 12-month CD offering 4.11%, are attractive, analysts warn that these yields may not keep pace with inflation long-term and could adjust upon maturity, affecting investors' return expectations.
NASDAQ.COM
9.5
05-26NASDAQ.COM
Financial Comparison of Upstart and LendingClub
  • Upstart's Financial Recovery: In FY 2025, Upstart achieved approximately $1.1 billion in revenue, reflecting a nearly 58.9% year-over-year growth, alongside a net income of $53.6 million, marking a return to profitability after significant losses in 2024, showcasing its robust recovery in the digital lending market.
  • LendingClub's Stable Performance: LendingClub generated nearly $1.3 billion in revenue for FY 2025, representing a growth rate of about 15%, with a net income of approximately $135.7 million and a net margin of 10.2%, demonstrating its effective management of interest costs and enhancing its market position in the competitive fintech landscape.
  • Risks and Challenges: Upstart faces risks from fluctuating economic conditions that may reduce borrower demand, particularly during recessions, where its AI models might fail to accurately predict defaults, potentially leading to funding pullbacks from lending partners and impacting business stability.
  • Market Competition Dynamics: As a digital bank, LendingClub funds a portion of its loans using low-cost member deposits, which, despite challenges from interest rate volatility and regulatory changes, allows it to maintain an advantage over traditional banks due to its stable revenue model.
Fool
7.5
05-26Fool
Upstart and LendingClub Compete in Digital Lending Market
  • Upstart's Business Model: Upstart connects borrowers with banking partners through an AI marketplace, achieving approximately $1.1 billion in revenue for FY 2025, reflecting a robust 58.9% growth, although it faces customer concentration risk with its top three partners contributing 61% of total revenue.
  • LendingClub's Financial Performance: LendingClub generated nearly $1.3 billion in revenue for FY 2025, with a growth rate of about 15% and a net income of roughly $135.7 million, indicating effective cost management amidst interest rate fluctuations and demonstrating stable profitability.
  • Risk Analysis: Upstart is exposed to risks from economic fluctuations that could reduce borrower demand, and if its AI models fail during a recession, it may see partner pullbacks, while LendingClub faces threats from interest rate volatility and regulatory changes that could impact its core product profitability.
  • Valuation Comparison: Upstart trades at a forward P/E of 12.5x, indicating optimistic market expectations for future growth, while LendingClub's 9.1x P/E reflects a more conservative market position, suggesting investors should choose based on their risk tolerance.
Yahoo Finance
6.5
05-23Yahoo Finance
Financial Sector Faces Challenges and Opportunities
  • Industry Underperformance: The financial sector has only gained 2.9% over the past six months, significantly trailing the S&P 500's 10.8% rise, indicating a lack of investor confidence amid an unpredictable interest rate and inflation environment, which has negatively impacted overall industry performance.
  • Donnelley Financial Solutions Struggles: Donnelley Financial Solutions (DFIN) has experienced a 3.4% annual sales decline over the past five years, with earnings per share growing only 8.4% annually, failing to effectively meet market demands, resulting in a market cap of $987.3 million that reflects its competitive disadvantages.
  • S&P Global's Strong Growth: S&P Global (SPGI) achieved a 10.7% annual revenue growth over the last two years, surpassing the sector average, and has driven a 17% increase in earnings per share through share repurchases, demonstrating the market value of its products and services, with a market cap of $123 billion.
  • LendingClub Gains Market Share: LendingClub (LC) has recorded a 28.7% annual revenue growth over the past five years, with a remarkable 109% annual growth in earnings per share, indicating significant market share acquisition, currently valued at $1.82 billion with a share price of $15.76.
Fool
2.0
05-19Fool
SoFi Technologies Stock Declines Amid Inflation Concerns and High Treasury Yields
  • Stock Fluctuation: SoFi Technologies' stock fell 3.06% to $15.23, reflecting market concerns over conflict-related inflation and high Treasury yields, which have weakened investor confidence and may impact future lending capabilities.
  • Volume Analysis: Today's trading volume reached 63.5 million shares, 5.2% below the three-month average of 66.8 million shares, indicating a decline in market activity that could affect short-term stock performance.
  • Performance Review: Since its IPO in 2021, SoFi's stock has grown 21%, but it has dropped over 40% year-to-date; despite solid Q1 results, the failure to raise full-year guidance disappointed Wall Street.
  • Market Outlook: SoFi faces intense competition, and while its customer base continues to grow and it actively adopts new technologies like stablecoins, whether it can achieve its goal of becoming a one-stop financial services platform remains a critical question for future development.
NASDAQ.COM
2.0
05-19NASDAQ.COM
SoFi Technologies Stock Declines Amid Market Concerns
  • Stock Decline: SoFi Technologies closed at $15.23, down 3.06%, reflecting market concerns over conflict-related inflation and high Treasury yields, which have weakened investor confidence.
  • Decreased Trading Volume: Today's trading volume reached 63.5 million shares, 5.2% below the three-month average of 66.8 million shares, indicating insufficient market activity that could impact future liquidity and price stability.
  • Performance Miss: Although SoFi has grown 21% since its IPO in 2021, it has struggled with a year-to-date decline of over 40%, and its recent Q1 results failed to raise full-year forecasts, leading to a tepid market response.
  • Intensifying Competition: SoFi faces increasing pressure from traditional financial services, and while its customer base continues to grow and it explores new technologies, achieving its goal of becoming a one-stop shop remains critical for future development.
Wall Street analysts forecast LC stock price to rise
9 Analyst Rating
Wall Street analysts forecast LC stock price to rise
8 Buy
1 Hold
0 Sell
Strong Buy
Current: 0.000
sliders
Low
20.00
Averages
23.00
High
26.00
Current: 0.000
sliders
Low
20.00
Averages
23.00
High
26.00
Stephens
NULL -> Overweight
maintain
$21
AI Analysis
2026-04-28
Reason
Stephens
Price Target
$21
AI Analysis
2026-04-28
maintain
NULL -> Overweight
Reason
Stephens raised the firm's price target on LendingClub to $22.50 from $21 and keeps an Overweight rating on the shares. Q1 EPS of 44c topped the firm's and the Street's 36c estimate, notes the analyst, who likes "the prudent growth story combined with the Bank" balance sheet, which the firm sees as a differentiator, particularly as capital markets uncertainty increases.
JPMorgan
Overweight
maintain
$22 -> $25
2025-12-04
Reason
JPMorgan
Price Target
$22 -> $25
2025-12-04
maintain
Overweight
Reason
JPMorgan raised the firm's price target on LendingClub to $25 from $22 and keeps an Overweight rating on the shares as part of a 2026 outlook on the financial technology group. The firm sees a "soft-landing grind" in 2026 with slowing real growth for the sector, driven by a weakening labor market and the lagged tariff effects, partially offset by tax cuts.
Unlock Full Analyst Thesis, Get the complete breakdown of rating reason for LC
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Valuation Metrics

The current forward P/E ratio for LendingClub Corp (LC.N) is 9.53, compared to its 5-year average forward P/E of 21.05. For a more detailed relative valuation and DCF analysis to assess LendingClub Corp's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
21.05
Current PE
9.53
Overvalued PE
33.63
Undervalued PE
8.47

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
4.71
Current EV/EBITDA
3.70
Overvalued EV/EBITDA
12.58
Undervalued EV/EBITDA
-3.16

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
1.51
Current PS
1.59
Overvalued PS
2.14
Undervalued PS
0.88

Financials

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Quarterly

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Whales Holding LC

S
Senvest Management, LLC
Holding
LC
+22.64%
3M Return
B
Brighton Jones LLC
Holding
LC
+21.62%
3M Return
L
Long Focus Capital Management LLC
Holding
LC
+4.99%
3M Return
B
Basswood Capital Management, L.L.C.
Holding
LC
+0.65%
3M Return
R
Rothschild and Co Wealth Management UK Limited
Holding
LC
-2.22%
3M Return

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Frequently Asked Questions

What is LendingClub Corp (LC) stock price today?

The current price of LC is 17.85 USD — it has increased 4.82

What is LendingClub Corp (LC)'s business?

LendingClub Corporation is a bank holding company. The Company operates its business through its subsidiary, LendingClub Bank, National Association (LC Bank). LC Bank is the digital marketplace bank that leverages data and technology to increase access to credit, reduce borrowing costs, and improve returns on savings for its members. Its primary loan products include personal loans, major purchase finance, and auto refinance. LC Bank’s commercial lending business is primarily focused on small businesses, and it participates in the United States small business administration lending programs. Its deposit business includes sourcing deposits directly from customers and from third-party marketing channels and deposit brokers. It offers a range of insured deposit products, including high-yield savings accounts, checking accounts, and certificates of deposit (CDs). Its consumer loans are either retained by LC Bank or sold to marketplace investors through its proprietary loan marketplace.

What is the price predicton of LC Stock?

Wall Street analysts forecast LC stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for LC is23.00 USD with a low forecast of 20.00 USD and a high forecast of 26.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is LendingClub Corp (LC)'s revenue for the last quarter?

LendingClub Corp revenue for the last quarter amounts to 337.22M USD, increased 12.48

What is LendingClub Corp (LC)'s earnings per share (EPS) for the last quarter?

LendingClub Corp. EPS for the last quarter amounts to 0.44 USD, increased 340.00

How many employees does LendingClub Corp (LC). have?

LendingClub Corp (LC) has 1075 emplpoyees as of May 31 2026.

What is LendingClub Corp (LC) market cap?

Today LC has the market capitalization of 2.06B USD.