LendingClub (LC) Stock Price, News & Analysis

Company Overview

LendingClub Corporation is an American financial technology company that operates a leading online lending marketplace. Through its platform, LendingClub connects borrowers seeking personal, auto and small business loans with investors looking to fund these credit opportunities. The company leverages proprietary analytics and credit models to facilitate loan origination, underwriting and servicing, aiming to provide borrowers with a streamlined borrowing experience and investors with diversified credit exposure.

Originally founded in 2006 by Renaud Laplanche as one of the pioneers of peer-to-peer lending, LendingClub launched its initial public offering in December 2014. Since then, the firm has evolved its business model to focus on an institutional marketplace approach while continuing to serve a retail customer base. In recent years, LendingClub expanded its product suite to include auto refinancing, small business loans and home improvement financing, broadening its reach within the consumer credit market in the United States.

In 2021, LendingClub completed the acquisition of Radius Bancorp, gaining a bank charter and enabling the launch of deposit products under the Radius brand. This strategic move allows the company to offer high-yield savings accounts and certificates of deposit, enhancing its ability to fund loans and deepen relationships with both borrowers and depositors. The integration of banking services represents a significant step in LendingClub’s transition from a pure marketplace lender to a full-service digital bank.

Headquartered in San Francisco, California, LendingClub is led by Chief Executive Officer Scott Sanborn, who has overseen the company’s growth and transformation since 2012. The firm’s senior leadership team combines expertise in credit risk, digital banking, data analytics and regulatory compliance. LendingClub remains focused on leveraging technology and data-driven insights to deliver value to its stakeholders and expand financial access across the U.S. market.

Key Stats

• Today's Range: $12.17 to $12.52
• 50-Day Range: $9.80 to $12.58
• 52-Week Range: $7.90 to $18.75
• Volume: 734,961 shs
• Average Volume: 1.63 million shs
• Market Capitalization: $1.40 billion
• P/E Ratio: 27.77
• Dividend Yield: N/A
• Price Target: $16.13
• Consensus Rating: Moderate Buy

LendingClub Stock Analysis - MarketRank™

LendingClub scored higher than 95% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.4 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

LendingClub has received a consensus rating of Moderate Buy. The company's average rating score is 2.78, and is based on 7 buy ratings, 2 hold ratings, and no sell ratings.

Amount of Analyst Coverage

LendingClub has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 77.78%

Earnings Growth

Earnings for LendingClub are expected to grow by 77.78% in the coming year, from $0.72 to $1.28 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of LendingClub is 27.93, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 25.73.

Price to Earnings Ratio vs. Sector

The P/E ratio of LendingClub is 27.93, which means that it is trading at a more expensive P/E ratio than the Financial Services sector average P/E ratio of about 13.24.

Price to Book Value per Share Ratio

LendingClub has a P/B Ratio of 1.03. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

3.50% of the float of LendingClub has been sold short.

Short Interest Ratio / Days to Cover

LendingClub has a short interest ratio ("days to cover") of 3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in LendingClub has recently decreased by 2.76%, indicating that investor sentiment is improving.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

LendingClub does not currently pay a dividend.

Dividend Growth

LendingClub does not have a long track record of dividend growth.

Sustainability and ESG

• Score: 3.6 / 5
• Environmental Score: -0.07

Percentage of Shares Shorted

3.50% of the float of LendingClub has been sold short.

Short Interest Ratio / Days to Cover

LendingClub has a short interest ratio ("days to cover") of 3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in LendingClub has recently decreased by 2.76%, indicating that investor sentiment is improving.

News and Social Media

• Score: 1.9 / 5
• News Sentiment: 0.34

News Sentiment

LendingClub has a news sentiment score of 0.34. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.68 average news sentiment score of Financial Services companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for LendingClub this week, compared to 7 articles on an average week.

Search Interest

3 people have searched for LC on MarketBeat in the last 30 days. This is an increase of 50% compared to the previous 30 days.

MarketBeat Follows

Only 2 people have added LendingClub to their MarketBeat watchlist in the last 30 days. This is a decrease of 0% compared to the previous 30 days.

Company Ownership

• Score: 3.3 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, LendingClub insiders have sold 75.30% more of their company's stock than they have bought. Specifically, they have bought $187,000.00 in company stock and sold $327,810.00 in company stock.

Percentage Held by Insiders

Only 3.31% of the stock of LendingClub is held by insiders.

Percentage Held by Institutions

74.08% of the stock of LendingClub is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

LC Stock Analysis - Frequently Asked Questions

How have LC shares performed this year?

LendingClub's stock was trading at $16.19 on January 1st, 2025. Since then, LC stock has decreased by 24.1% and is now trading at $12.2950.

How were LendingClub's earnings last quarter?

LendingClub Corporation (NYSE:LC) announced its earnings results on Tuesday, April, 29th. The credit services provider reported $0.10 earnings per share (EPS) for the quarter, hitting analysts' consensus estimates of $0.10. The business's quarterly revenue was up 21670.0% compared to the same quarter last year.
Read the conference call transcript.

When did LendingClub's stock split?

LendingClub shares reverse split on the morning of Monday, July 8th 2019.The 1-5 reverse split was announced on Friday, June 28th 2019. The number of shares owned by shareholders was adjusted after the market closes on Friday, July 5th 2019. An investor that had 100 shares of stock prior to the reverse split would have 20 shares after the split.

Does LendingClub have any subsidiaries?

LendingClub subsidiaries include these companies: Radius Bank, and Springstone.

When did LendingClub IPO?

LendingClub (LC) raised $635 million in an IPO on Thursday, December 11th 2014. The company issued 57,700,000 shares at $10.00-$12.00 per share. Morgan Stanley, Goldman Sachs, Credit Suisse and Citigroup served as the underwriters for the IPO and Allen & Company, Stifel, BMO Capital Markets, William Blair and Wells Fargo Securities were co-managers.

How do I buy shares of LendingClub?

Shares of LC stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of LendingClub own?

Based on aggregate information from My MarketBeat watchlists, some other companies that LendingClub investors own include Humana (HUM), American Water Works (AWK), Waste Connections (WCN), Voyager Therapeutics (VYGR), The RMR Group (RMR), AU Optronics (AUOTY) and DiamondRock Hospitality (DRH).

Company Calendar

• Last Earnings: 4/29/2025
• Today: 7/07/2025
• Next Earnings (Estimated): 7/29/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: FIN - MISC SVCS
• Sub-Industry: Banking
• Current Symbol: NYSE:LC
• CIK: 1409970
• Web: www.lendingclub.com
• Phone: (415) 632-5600
• Fax: N/A
• Employees: 1,002
• Year Founded: 2007

Price Target and Rating

• Average Stock Price Target: $16.13
• High Stock Price Target: $19.00
• Low Stock Price Target: $12.00
• Potential Upside/Downside: +28.2%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.88
• Research Coverage: 8 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.44
• Trailing P/E Ratio: 28.58
• Forward P/E Ratio: 17.47
• P/E Growth: N/A
• Net Income: $51.33 million
• Net Margins: 6.16%
• Pretax Margin: 7.79%
• Return on Equity: 4.04%
• Return on Assets: 0.52%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.72
• Quick Ratio: 0.64

Sales & Book Value

• Annual Sales: $787.01 million
• Price / Sales: 1.82
• Cash Flow: $1.01 per share
• Price / Cash Flow: 12.46
• Book Value: $11.94 per share
• Price / Book: 1.05

Miscellaneous

• Outstanding Shares: 114,200,000
• Free Float: 110,420,000
• Market Cap: $1.44 billion
• Optionable: Optionable
• Beta: 2.44