Is LendingClub Corp. overvalued or undervalued?

As of 31 October 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.'s 45.54, which is classified as very expensive, and significantly more favorable than Rocket Cos., Inc., which has a risky valuation with a P/E of -43100.56.
The company's recent performance shows a 22.64% return over the past year, slightly outperforming the S&P 500's 19.89% return, while it has delivered an impressive 272.38% return over the past five years compared to the S&P 500's 109.18%. These figures reinforce the notion that LendingClub Corp. is currently undervalued relative to its growth potential and market performance.