Revenue Breakdown
Composition ()
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Revenue Streams
LendingClub Corp (LC) generates its revenue through a diversified portfolio of business segments. Currently, the largest contributor to its top-line growth is LendingClub Bank, accounting for 97.3% of total sales, equivalent to $241.63M. Other significant revenue streams include LendingClub Corporation and Intercompany Eliminations. Understanding this composition is critical for investors evaluating how LC navigates market cycles within the Consumer Lending industry.
Profitability & Margins
Evaluating the bottom line, LendingClub Corp maintains a gross margin of 75.27%. This metric reflects the company's pricing power and manufacturing efficiency. Further down the income statement, the operating margin stands at 14.13%, while the net margin is 11.74%. These profitability ratios, combined with a Return on Equity (ROE) of 9.55%, provide a clear picture of how effectively LC converts its operational activities into shareholder value.
Comparative Benchmarking
In the context of the broader market, LC competes directly with industry leaders such as WAFD and DAVE. With a market capitalization of $1.93B, it holds a significant position in the sector. When comparing efficiency, LC's gross margin of 75.27% stands against WAFD's N/A and DAVE's 100.00%. Such benchmarking helps identify whether LendingClub Corp is trading at a premium or discount relative to its financial performance.
