Is LendingClub Corp. overvalued or undervalued?

As of 29 July 2025, LendingClub Corp. has moved from an attractive to a very attractive valuation grade. The company appears to be undervalued, supported by a P/E ratio of 24, a Price to Book Value of 0.89, and an EV to EBITDA of 0.83. In comparison to peers, LendingClub's P/E ratio is lower than U-Haul Holding Co. at 45.54, but higher than Textainer Group Holdings Ltd. at 10.08, indicating a favorable position within its industry.
The company's strong return on capital employed (ROCE) of 65.15% and a PEG ratio of 0.75 further reinforce its attractive valuation. Notably, LendingClub has outperformed the S&P 500 over the past year, with a return of 61.24% compared to the index's 17.14%, suggesting a robust growth trajectory that supports its undervalued status.