LendingClub (LC) Competitors

LendingClub (NYSE:LC) and Upstart (NASDAQ:UPST) are both finance companies, but which is the better business? We will compare the two businesses based on the strength of their dividends, earnings, analyst recommendations, institutional ownership, valuation, media sentiment, risk, profitability and community ranking.

Do analysts recommend LC or UPST?

LendingClub currently has a consensus price target of $15.75, indicating a potential upside of 59.01%. Upstart has a consensus price target of $63.81, indicating a potential upside of 45.28%. Given LendingClub's stronger consensus rating and higher probable upside, equities analysts clearly believe LendingClub is more favorable than Upstart.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
LendingClub	0 Sell rating(s)	1 Hold rating(s)	7 Buy rating(s)	0 Strong Buy rating(s)	2.88
Upstart	1 Sell rating(s)	7 Hold rating(s)	5 Buy rating(s)	0 Strong Buy rating(s)	2.31

Which has more volatility and risk, LC or UPST?

LendingClub has a beta of 2.35, indicating that its stock price is 135% more volatile than the S&P 500. Comparatively, Upstart has a beta of 2.39, indicating that its stock price is 139% more volatile than the S&P 500.

Does the MarketBeat Community favor LC or UPST?

LendingClub received 525 more outperform votes than Upstart when rated by MarketBeat users. Likewise, 61.06% of users gave LendingClub an outperform vote while only 32.43% of users gave Upstart an outperform vote.

Company	Underperform	Outperform
LendingClub	Outperform Votes 585 61.06%	Underperform Votes 373 38.94%
Upstart	Outperform Votes 60 32.43%	Underperform Votes 125 67.57%

Which has better earnings and valuation, LC or UPST?

LendingClub has higher revenue and earnings than Upstart. Upstart is trading at a lower price-to-earnings ratio than LendingClub, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
LendingClub	$824.03M	1.37	$51.33M	$0.44	22.51
Upstart	$714.41M	5.85	-$128.58M	-$0.75	-58.56

Is LC or UPST more profitable?

LendingClub has a net margin of 6.52% compared to Upstart's net margin of -20.20%. LendingClub's return on equity of 4.16% beat Upstart's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
LendingClub	6.52%	4.16%	0.54%
Upstart	-20.20%	-25.87%	-7.95%

Do institutionals and insiders believe in LC or UPST?

74.1% of LendingClub shares are owned by institutional investors. Comparatively, 63.0% of Upstart shares are owned by institutional investors. 3.2% of LendingClub shares are owned by company insiders. Comparatively, 16.7% of Upstart shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Does the media refer more to LC or UPST?

In the previous week, LendingClub had 9 more articles in the media than Upstart. MarketBeat recorded 13 mentions for LendingClub and 4 mentions for Upstart. LendingClub's average media sentiment score of 0.87 beat Upstart's score of 0.29 indicating that LendingClub is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
LendingClub	8 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	4 Negative mention(s)	0 Very Negative mention(s)	Positive
Upstart	1 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Summary

LendingClub beats Upstart on 15 of the 18 factors compared between the two stocks.