Should You Buy LendingClub Corp (LC) Today? Analysis, Price Targets, and 2026 Outlook.
Conclusion
Buy
Latest Price
16.440
1 Day change
-15.99%
52 Week Range
21.670
Analysis Updated At
2026/01/26
LendingClub Corp (LC) is a good buy for a beginner investor with a long-term strategy and $50,000-$100,000 available for investment. The company's strong financial performance, bullish technical indicators, positive analyst sentiment, and hedge fund buying activity indicate a solid growth trajectory. Despite recent price declines, the stock's fundamentals and long-term prospects make it a compelling investment opportunity.
Technical Analysis
The MACD is positive and expanding (0.062), indicating bullish momentum. The RSI is neutral at 60.08, and moving averages are bullish (SMA_5 > SMA_20 > SMA_200). Key support is at 19.421, and resistance is at 21.385. Overall, the technical indicators suggest a positive price trend.
Options Data
Bullish
Open Interest Put-Call Ratio
Bullish
Option Volume Put-Call Ratio
The low put-call ratios indicate bullish sentiment in the options market, with significantly higher call activity compared to puts.
Technical Summary
Sell
9
Buy
7
Positive Catalysts
Strong financial performance in Q3 2025, with revenue up 15.75% YoY, net income up 206.25% YoY, and EPS up 184.62% YoY.
Hedge funds are aggressively buying, with a 7210% increase in buying activity over the last quarter.
Analysts have raised price targets recently, with targets ranging from $20 to $26, and multiple upgrades citing robust growth and favorable funding channels.
Partnership with Wonder and FormPiper to enhance consumer financing, which could drive future growth.
No recent congress trading data or significant insider activity to provide additional confidence.
Financial Performance
In Q3 2025, LendingClub reported strong growth: Revenue increased by 15.75% YoY to $349.59M, net income surged by 206.25% YoY to $44.27M, EPS grew by 184.62% YoY to 0.37, and gross margin improved to 76.15%, up 13.93% YoY. These metrics highlight the company's operational efficiency and profitability.
Growth
Profitability
Efficiency
Analyst Ratings and Price Target Trends
Analysts are bullish on LendingClub, with multiple upgrades and price target increases. JPMorgan raised its target to $25, BTIG to $26, and others to $22-$23, citing strong origination growth, stable credit performance, and favorable funding channels. The consensus reflects confidence in the company's long-term growth potential.
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 is 23 USD with a low forecast of 20 USD and a high forecast of 26 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.
9 Analyst Rating
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 is 23 USD with a low forecast of 20 USD and a high forecast of 26 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.
8 Buy
1 Hold
0 Sell
Strong Buy
Current: 19.570
Low
20
Averages
23
High
26
Current: 19.570
Low
20
Averages
23
High
26
JPMorgan
Overweight
maintain
$22 -> $25
AI Analysis
2025-12-04
Reason
JPMorgan
Price Target
$22 -> $25
AI Analysis
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.
Citizens JMP
Market Perform -> Outperform
upgrade
$23
2025-11-10
Reason
Citizens JMP
Price Target
$23
2025-11-10
upgrade
Market Perform -> Outperform
Reason
Citizens JMP upgraded LendingClub to Outperform from Market Perform with a $23 price target following last week's investor day. Management's commentary provided more confidence in the company's "significant" origination growth outlook and the corresponding better scale in the business in the coming years, the analyst tells investors in a research note. The firm says LendingClub highlighted its "robust" buildout of funding channels with both marketplace investors and customer deposits. It cites LendingClub's "stable" credit performance, favorable funding channels, and entry into a new asset class for the upgrade.
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