Is LendingClub Corp. overvalued or undervalued?

As of 31 October 2025, LendingClub Corp. moved from attractive to very attractive. The company appears undervalued based on its valuation metrics, including a P/E ratio of 24, a Price to Book Value of 0.89, and an EV to EBITDA of 0.83. In comparison, U-Haul Holding Co. has a much higher P/E of 45.54, indicating that LendingClub is trading at a significant discount relative to some peers, while Textainer Group Holdings Ltd. shows a more favorable EV to EBITDA of 2.92, but still higher than LendingClub's valuation.
The company's recent stock performance reflects a mixed picture, with a year-to-date return of 7.41% compared to the S&P 500's 16.30%, but an impressive 5-year return of 272.38% against the S&P 500's 109.18%. This suggests that while LendingClub has shown strong historical performance, it may currently be lagging behind broader market trends.