Historical Valuation
LendingClub Corp (LC) is now in the Fair zone, suggesting that its current forward PE ratio of 12.95 is considered Fairly compared with the five-year average of 22.21. The fair price of LendingClub Corp (LC) is between 12.72 to 52.15 according to relative valuation methord.
Relative Value
Fair Zone
12.72-52.15
Current Price：20.67
Fair
P/E
EV/EBITDA
EV/EBIT
P/S
P/OCF
P/FCF
1Y
3Y
5Y
Trailing
Forward
LendingClub Corp (LC) has a current Price-to-Book (P/B) ratio of 1.51. Compared to its 3-year average P/B ratio of 0.93 , the current P/B ratio is approximately 62.33% higher. Relative to its 5-year average P/B ratio of 1.42, the current P/B ratio is about 5.87% higher. LendingClub Corp (LC) has a Forward Free Cash Flow (FCF) yield of approximately -97.55%. Compared to its 3-year average FCF yield of -111.52%, the current FCF yield is approximately -12.53% lower. Relative to its 5-year average FCF yield of -56.86% , the current FCF yield is about 71.57% lower.
P/B
Median3y
0.93
Median5y
1.42
FCF Yield
Median3y
-111.52
Median5y
-56.86
Competitors Valuation Multiple
AI Analysis for LC
The average P/S ratio for LC competitors is 2.89, providing a benchmark for relative valuation. LendingClub Corp Corp (LC.N) exhibits a P/S ratio of 1.97, which is -31.63% above the industry average. Given its robust revenue growth of 15.75%, this premium appears unsustainable.
Performance Decomposition
AI Analysis for LC
1Y
3Y
5Y
Market capitalization of LC increased by 0.00% over the past 1 year. The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.
The secondary factor is the Unknown, contributed 0.00%to the performance.
Overall, the performance of LC in the past 1 year is driven by Unknown.
People Also Watch
Frequently Asked Questions
Is LC currently overvalued or undervalued?
LendingClub Corp (LC) is now in the Fair zone, suggesting that its current forward PE ratio of 12.95 is considered Fairly compared with the five-year average of 22.21. The fair price of LendingClub Corp (LC) is between 12.72 to 52.15 according to relative valuation methord.
What is LendingClub Corp (LC) fair value?
LC's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of LendingClub Corp (LC) is between 12.72 to 52.15 according to relative valuation methord.
How does LC's valuation metrics compare to the industry average?
The average P/S ratio for LC's competitors is 2.89, providing a benchmark for relative valuation. LendingClub Corp Corp (LC) exhibits a P/S ratio of 1.97, which is -31.63% above the industry average. Given its robust revenue growth of 15.75%, this premium appears unsustainable.
What is the current P/B ratio for LendingClub Corp (LC) as of Jan 10 2026?
As of Jan 10 2026, LendingClub Corp (LC) has a P/B ratio of 1.51. This indicates that the market values LC at 1.51 times its book value.
What is the current FCF Yield for LendingClub Corp (LC) as of Jan 10 2026?
As of Jan 10 2026, LendingClub Corp (LC) has a FCF Yield of -97.55%. This means that for every dollar of LendingClub Corp’s market capitalization, the company generates -97.55 cents in free cash flow.
What is the current Forward P/E ratio for LendingClub Corp (LC) as of Jan 10 2026?
As of Jan 10 2026, LendingClub Corp (LC) has a Forward P/E ratio of 12.95. This means the market is willing to pay $12.95 for every dollar of LendingClub Corp’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for LendingClub Corp (LC) as of Jan 10 2026?
As of Jan 10 2026, LendingClub Corp (LC) has a Forward P/S ratio of 1.97. This means the market is valuing LC at $1.97 for every dollar of expected revenue over the next 12 months.