LC Relative Valuation
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. If the market price exceeds this fair value range, LC is overvalued; if below, it's undervalued.
Historical Valuation
LendingClub Corp (LC) is now in the Fair zone, suggesting that its current forward PE ratio of 12.88 is considered Fairly compared with the five-year average of 22.06. The fair price of LendingClub Corp (LC) is between 11.39 to 49.26 according to relative valuation methord.
Relative Value
Fair Zone
11.39-49.26
Current Price：19.30
Fair
13.38
PE
1Y
3Y
5Y
Trailing
Forward
2.99
EV/EBITDA
LendingClub Corp. (LC) has a current EV/EBITDA of 2.99. The 5-year average EV/EBITDA is 6.62. The thresholds are as follows: Strongly Undervalued below -17.07, Undervalued between -17.07 and -5.23, Fairly Valued between 18.47 and -5.23, Overvalued between 18.47 and 30.32, and Strongly Overvalued above 30.32. The current Forward EV/EBITDA of 2.99 falls within the Historic Trend Line -Fairly Valued range.
3.12
EV/EBIT
LendingClub Corp. (LC) has a current EV/EBIT of 3.12. The 5-year average EV/EBIT is -1.20. The thresholds are as follows: Strongly Undervalued below -33.29, Undervalued between -33.29 and -17.25, Fairly Valued between 14.84 and -17.25, Overvalued between 14.84 and 30.88, and Strongly Overvalued above 30.88. The current Forward EV/EBIT of 3.12 falls within the Historic Trend Line -Fairly Valued range.
1.95
PS
LendingClub Corp. (LC) has a current PS of 1.95. The 5-year average PS is 1.54. The thresholds are as follows: Strongly Undervalued below 0.24, Undervalued between 0.24 and 0.89, Fairly Valued between 2.19 and 0.89, Overvalued between 2.19 and 2.84, and Strongly Overvalued above 2.84. The current Forward PS of 1.95 falls within the Historic Trend Line -Fairly Valued range.
12.73
P/OCF
LendingClub Corp. (LC) has a current P/OCF of 12.73. The 5-year average P/OCF is 4.43. The thresholds are as follows: Strongly Undervalued below -99.85, Undervalued between -99.85 and -47.71, Fairly Valued between 56.57 and -47.71, Overvalued between 56.57 and 108.71, and Strongly Overvalued above 108.71. The current Forward P/OCF of 12.73 falls within the Historic Trend Line -Fairly Valued range.
20.12
P/FCF
LendingClub Corp. (LC) has a current P/FCF of 20.12. The 5-year average P/FCF is -2.31. The thresholds are as follows: Strongly Undervalued below -20.69, Undervalued between -20.69 and -11.50, Fairly Valued between 6.88 and -11.50, Overvalued between 6.88 and 16.07, and Strongly Overvalued above 16.07. The current Forward P/FCF of 20.12 falls within the Strongly Overvalued range.
LendingClub Corp (LC) has a current Price-to-Book (P/B) ratio of 1.48. Compared to its 3-year average P/B ratio of 0.91 , the current P/B ratio is approximately 62.85% higher. Relative to its 5-year average P/B ratio of 1.42, the current P/B ratio is about 4.58% higher. LendingClub Corp (LC) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of -107.24%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of -54.62% , the current FCF yield is about -100.00% lower.
1.54
P/B
Median3y
0.91
Median5y
1.42
-99.21
FCF Yield
Median3y
-107.24
Median5y
-54.62
Competitors Valuation Multiple
The average P/S ratio for LC's competitors is , providing a benchmark for relative valuation. LendingClub Corp Corp (LC) exhibits a P/S ratio of , which is NaN% above the industry average. Given its robust revenue growth of 15.75%, this premium appears unsustainable.
P/S
P/E
EV/EBITDA
EV/EBIT
P/S
Revenue Growth
Market Cap
Performance Decomposition
1Y
3Y
5Y
Market capitalization of LC increased by 20.63% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 4.79 to 12.66.
The secondary factor is the Revenue Growth, contributed 15.75%to the performance.
Overall, the performance of LC in the past 1 year is driven by Margin Expansion. Which is more sustainable.
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