Lendingclub (HAPN) Stock Price, News & Analysis

Company Overview

LendingClub Corporation is a financial technology company that operates an online lending marketplace and digital bank. The company connects consumers seeking credit with funding sources and provides technology designed to simplify the borrowing process.

LendingClub’s primary offerings include unsecured personal loans, debt-consolidation loans, home-improvement financing and other consumer-credit products. Through its digital banking operations, the company also offers deposit accounts and related banking services.

Founded in 2006, LendingClub initially operated as a peer-to-peer lending platform before expanding into a broader financial-services business. The company acquired Radius Bancorp in 2021, supporting its transition into a bank and enabling it to combine lending, deposits and digital banking services. LendingClub primarily serves customers in the United States.

Key Stats

• Today's Range: $16.01 to $16.26
• 50-Day Range: $16.16 to $20.93
• 52-Week Range: $13.05 to $21.67
• Volume: 2.22 million shs
• Average Volume: 1.10 million shs
• Market Capitalization: $1.86 billion
• P/E Ratio: 9.73
• Dividend Yield: N/A
• Price Target: $25.00
• Consensus Rating: Moderate Buy

Lendingclub Stock Analysis - MarketRank™

Lendingclub scored higher than 70% of companies evaluated by MarketBeat, and ranked 398th out of 835 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.9 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Lendingclub has received a consensus rating of Moderate Buy. The company's average rating score is 2.67, and is based on no strong buy ratings, 2 buy ratings, 1 hold rating, and no sell ratings.

Upside Potential

Lendingclub has a consensus price target of $25.00, representing about 54.7% upside from its current price of $16.16.

Amount of Analyst Coverage

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

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 22.58%

Earnings Growth

Earnings for Lendingclub are expected to grow by 22.58% in the coming year, from $1.86 to $2.28 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Lendingclub is 9.73, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.67.

Price to Earnings Ratio vs. Sector

The P/E ratio of Lendingclub is 9.73, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 25.31.

Price to Book Value per Share Ratio

Lendingclub has a P/B Ratio of 1.24. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

5.15% 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 5.61.

Change versus previous month

Short interest in Lendingclub has recently increased by 18.79%, indicating that investor sentiment is decreasing significantly.

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.

News and Social Media

• Score: 0.6 / 5
• News Sentiment: 0.00

News Coverage This Week

MarketBeat has tracked 3 news articles for Lendingclub this week, compared to 3 articles on an average week.

MarketBeat Follows

3 people have added Lendingclub to their MarketBeat watchlist in the last 30 days. This is an increase of 200% compared to the previous 30 days.

Company Ownership

• Score: 1.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Lendingclub insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $4,859,668.00 in company stock.

Percentage Held by Insiders

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.

Company Calendar

• Last Earnings: 7/27/2026
• Today: 9/20/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Consumer Finance
• Sub-Industry: Consumer Finance
• Current Symbol: NASDAQ:HAPN
• CIK: 1409970
• Web: www.happen.com
• Phone: (415) 930-7440
• Fax: N/A
• Employees: 1,075
• Year Founded: 2006

Price Target and Rating

• Average Price Target for Lendingclub: $25.00
• High Price Target: $25.00
• Low Price Target: $25.00
• Potential Upside/Downside: +54.7%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.67
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.66
• Trailing P/E Ratio: 9.73
• Forward P/E Ratio: 8.69
• P/E Growth: N/A
• Net Income: $135.68 million
• Net Margins: 18.67%
• Pretax Margin: 23.88%
• Return on Equity: 12.92%
• Return on Assets: 1.66%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.72
• Quick Ratio: 0.56

Sales & Book Value

• Annual Sales: $998.85 million
• Price / Sales: 1.87
• Cash Flow: $1.72 per share
• Price / Cash Flow: 9.39
• Book Value: $13.03 per share
• Price / Book: 1.24

Miscellaneous

• Outstanding Shares: 115,410,000
• Free Float: 111,587,000
• Market Cap: $1.86 billion
• Optionable: N/A
• Beta: 1.86