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 ratio of 0.83. In comparison to its peers, LendingClub's P/E ratio is lower than U-Haul Holding Co.'s 45.54, indicating a more favorable valuation, while its PEG ratio of 0.75 suggests growth potential at a reasonable price compared to the industry.
Over the past year, LendingClub has returned 23.72%, outperforming the S&P 500's 19.89%, which reinforces the positive valuation outlook. The company's strong return on capital employed (ROCE) of 65.15% further highlights its efficient use of capital, making it an attractive investment in the current market landscape.