LendingClub (LC) Stock Price, News & Analysis

Company Overview

LendingClub Corporation, operates as a bank holding company, that provides range of financial products and services in the United States. It offers deposit products, including savings accounts, checking accounts, and certificates of deposit. The company also provides loan products, such as consumer loans comprising unsecured personal loans, secured auto refinance loans, and patient and education finance loans; and commercial loans, including small business loans. In addition, it operates an online lending marketplace platform. The company was incorporated in 2006 and is headquartered in San Francisco, California.

Key Stats

• Today's Range: $10.32 to $10.57
• 50-Day Range: $8.53 to $11.66
• 52-Week Range: $7.81 to $18.75
• Volume: 1.22 million shs
• Average Volume: 1.61 million shs
• Market Capitalization: $1.18 billion
• P/E Ratio: 23.04
• Dividend Yield: N/A
• Price Target: $15.75
• Consensus Rating: Moderate Buy

LendingClub Stock Analysis - MarketRank™

LendingClub scored higher than 95% of companies evaluated by MarketBeat, and ranked 71st out of 911 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: 3.4 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

LendingClub has received a consensus rating of Moderate Buy. The company's average rating score is 2.88, and is based on 7 buy ratings, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

LendingClub has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 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 23.04, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.12.

Price to Earnings Ratio vs. Sector

The P/E ratio of LendingClub is 23.04, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 22.84.

Price to Book Value per Share Ratio

LendingClub has a P/B Ratio of 0.88. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

4.09% of the outstanding shares of LendingClub have 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 increased by 20.05%, 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.

Sustainability and ESG

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

Percentage of Shares Shorted

4.09% of the outstanding shares of LendingClub have 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 increased by 20.05%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.8 / 5
• News Sentiment: 0.96

News Sentiment

LendingClub has a news sentiment score of 0.96. 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 news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 12 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 4 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: 2.5 / 5
• Insider Trading: Balanced

Insider Buying vs. Insider Selling

In the past three months, LendingClub insiders have sold just slightly more of their company's stock than they have bought. Specifically, they have bought $187,000.00 in company stock and sold $215,198.00 in company stock. It is common for insiders to sell company stock at intervals simply to diversify their holdings.

Percentage Held by Insiders

Only 3.19% 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 35.9% and is now trading at $10.37.
View the best growth stocks for 2025 here.

How were LendingClub's earnings last quarter?

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

When did LendingClub's stock split?

Shares of LendingClub reverse split on 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?

The following companies are subsidiaries of LendingClub: 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 a price of $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.

Who are LendingClub's major shareholders?

Top institutional investors of LendingClub include Vanguard Group Inc. (10.38%), Wellington Management Group LLP (4.53%), Driehaus Capital Management LLC (3.41%) and Long Focus Capital Management LLC (1.78%). Insiders that own company stock include Scott Sanborn, John C Morris, Ronnie Momen, Michael P Zeisser, Fergal Stack, Valerie Kay, Annie Armstrong, Jordan Cheng, Erin Selleck, Allan R Landon, Andrew Labenne and Stephen M Cutler.
View institutional ownership trends.

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), AUO (AUOTY) and DiamondRock Hospitality (DRH).

Company Calendar

• Last Earnings: 4/29/2025
• Today: 5/20/2025
• Next Earnings (Estimated): 7/29/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: Personal credit institutions
• Sub-Industry: Banking
• Current Symbol: NYSE:LC
• CIK: 1409970
• Web: www.lendingclub.com
• Phone: (415) 632-5600
• Fax: N/A
• Employees: 1,580
• Year Founded: 2007

Price Target and Rating

• Average Stock Price Target: $15.75
• High Stock Price Target: $19.00
• Low Stock Price Target: $12.00
• Potential Upside/Downside: +51.9%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.88
• Research Coverage: 8 Analysts

Profitability

• EPS (Most Recent Fiscal Year): $0.44
• Trailing P/E Ratio: 23.04
• Forward P/E Ratio: 14.40
• P/E Growth: N/A
• Net Income: $51.33 million
• Net Margins: 6.52%
• Pretax Margin: 5.60%
• Return on Equity: 4.16%
• Return on Assets: 0.54%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.72
• Quick Ratio: 0.65

Sales & Book Value

• Annual Sales: $824.03 million
• Price / Sales: 1.44
• Cash Flow: $0.77 per share
• Price / Cash Flow: 13.48
• Book Value: $11.83 per share
• Price / Book: 0.88

Miscellaneous

• Outstanding Shares: 114,200,000
• Free Float: 109,631,000
• Market Cap: $1.18 billion
• Optionable: Optionable
• Beta: 2.35