LendingClub (LC) Stock Price, News & Analysis

Company Overview

LendingClub Corporation operates an online lending marketplace that connects borrowers seeking personal and small business credit with individual and institutional investors. The platform leverages technology to streamline the loan application and underwriting process, offering unsecured personal loans, auto refinancing, and small business loans. In addition to lending products, LendingClub provides high-yield savings accounts and certificates of deposit through its banking charter, following its acquisition of Radius Bank in 2021.

Founded in 2006 by Renaud Laplanche, LendingClub pioneered peer-to-peer lending in the United States, helping to democratize access to credit and investment opportunities. The company went public in December 2014, marking one of the largest tech IPOs of that year. Over time, LendingClub has expanded its regulatory footprint to operate under an FDIC-insured banking license, integrating deposit-taking services alongside its loan origination platform.

LendingClub’s product suite addresses a range of consumer and small business financing needs. Personal loan amounts typically range from $1,000 to $40,000, with terms up to five years, while auto refinancing options allow borrowers to reduce interest costs on existing vehicle loans. Small business borrowers can access term loans to support working capital, equipment purchases, or other operational expenses. Investors on the platform can customize portfolios by risk grade, loan purpose, and expected return profile.

Serving customers across all 50 U.S. states, LendingClub emphasizes a digital-first experience supported by data analytics and automated decisioning. Under the leadership of CEO Scott Sanborn, the company continues to enhance its technology infrastructure, expand product offerings, and deepen partnerships with banks and financial institutions. LendingClub remains focused on its mission to make credit and capital more accessible and affordable for a broad range of American consumers and businesses.

Key Stats

• Today's Range: $19.21 to $19.21
• 50-Day Range: $15.24 to $19.21
• 52-Week Range: $10.74 to $21.67
• Volume: N/A
• Average Volume: 1.96 million shs
• Market Capitalization: $2.22 billion
• P/E Ratio: 12.89
• Dividend Yield: N/A
• Price Target: $23.07
• Consensus Rating: Moderate Buy

LendingClub Stock Analysis - MarketRank™

LendingClub scored higher than 88% of companies evaluated by MarketBeat, and ranked 8th out of 100 stocks in the financial services sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.7 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

LendingClub has received a consensus rating of Moderate Buy. The company's average rating score is 2.89, and is based on 1 strong buy rating, 6 buy ratings, 2 hold ratings, and no sell ratings.

Upside Potential

LendingClub has a consensus price target of $23.07, representing about 20.1% upside from its current price of $19.21.

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: 26.44%

Earnings Growth

Earnings for LendingClub are expected to grow by 26.44% in the coming year, from $1.74 to $2.20 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of LendingClub is 12.89, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 40.14.

Price to Earnings Ratio vs. Sector

The P/E ratio of LendingClub is 12.89, which means that it is trading at a less expensive P/E ratio than the Financial Services sector average P/E ratio of about 29.79.

Price to Book Value per Share Ratio

LendingClub has a P/B Ratio of 1.47. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

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

Percentage of Shares Shorted

5.47% 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 2.87, 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 2.60%, 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.

News and Social Media

• Score: 3.0 / 5
• News Sentiment: 1.87

News Sentiment

LendingClub has a news sentiment score of 1.87. 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 higher news sentiment than the 0.85 average news sentiment score of Financial Services companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for LendingClub this week, compared to 5 articles on an average week.

Search Interest

Only 1 people have searched for LC on MarketBeat in the last 30 days. This is a decrease of -80% 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 $2,183,691.00 in company stock.

Percentage Held by Insiders

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.

Company Calendar

• Last Earnings: 4/27/2026
• Today: 7/20/2026
• Next Earnings (Estimated): 8/04/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Financial Services
• Industry: Credit Services
• Sub-Industry: Banking
• Current Symbol: NYSE:LC
• CIK: 1409970
• Web: www.lendingclub.com
• Phone: (888) 596-3157
• Fax: N/A
• Employees: 1,075
• Year Founded: 2007

Price Target and Rating

• Average Price Target for LendingClub: $23.07
• High Price Target: $26.00
• Low Price Target: $20.00
• Potential Upside/Downside: +20.1%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.89
• Research Coverage: 9 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.49
• Trailing P/E Ratio: 12.89
• Forward P/E Ratio: 11.04
• P/E Growth: N/A
• Net Income: $135.68 million
• Net Margins: 16.99%
• Pretax Margin: 22.12%
• Return on Equity: 11.92%
• Return on Assets: 1.55%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.72
• Quick Ratio: 0.54

Sales & Book Value

• Annual Sales: $1.03 billion
• Price / Sales: 2.14
• Cash Flow: $1.72 per share
• Price / Cash Flow: 11.14
• Book Value: $13.03 per share
• Price / Book: 1.47

Miscellaneous

• Outstanding Shares: 115,351,000
• Free Float: 111,533,000
• Market Cap: $2.22 billion
• Optionable: Optionable
• Beta: 1.98