Is LendingClub Corp. overvalued or undervalued?

As of 27 June 2025, LendingClub Corp. has moved from a very attractive to an attractive valuation grade. The company is currently considered undervalued based on its financial ratios. Key metrics include a P/E ratio of 24, a price-to-book value of 0.89, and an EV to EBITDA ratio of 0.83, which suggest that the stock is trading at a discount compared to its earnings and asset value.
In comparison to peers, LendingClub's P/E ratio of 24.75 is higher than AdaptHealth Corp.'s fair valuation at 12.72, while Encore Capital Group, Inc. is at a risky valuation with a P/E of 46.61. Additionally, LendingClub's PEG ratio of 0.75 indicates potential for growth relative to its earnings. Despite a year-to-date return of -26.07%, the company has outperformed the S&P 500 over the past year with a return of 46.15% compared to the index's 12.59%.