LC Share Price | LendingClub Corp. Stock Analysis & Recommendation

Q: What does LendingClub Corp. do?

Overview:LendingClub Corp. provides an online marketplace that connects borrowers and investors within the Major Banks industry.Financial Snapshot:- Net Sales: 329 Million (Quarterly Results - Mar 2025)- Net Profit: 12 Million (Quarterly Results - Mar 2025)- Market cap: USD 1,256.24 Million (Micro Cap)Key Metrics:- P/E: 24.00- Dividend Yield: 0.00%- Debt Equity: -999,999.00- Return on Equity: 3.72%- Price to Book: 0.92Contact Details:- Address: 595 Market St Ste 200, SAN FRANCISCO CA : 94105-2802- Tel: 1 415 6325600- Website: https://www.lendingclub.com/

Q: Is LendingClub Corp. technically bullish or bearish?

As of 3 October 2025, the technical trend for LendingClub Corp. has changed from bullish to mildly bullish. The current stance is mildly bullish, driven by daily moving averages indicating mild bullishness, while the weekly MACD shows a mildly bearish signal. The Bollinger Bands are bullish on a weekly basis and mildly bullish monthly, supporting the overall mildly bullish outlook. However, the KST and Dow Theory present mixed signals, with weekly readings showing mild bearishness. In terms of performance, LendingClub has underperformed the S&P 500 over the past week, month, and year-to-date, but it has outperformed over the past year, with a return of 27.78% compared to the S&P 500's 17.82%. Over the longer term, the stock has significantly outperformed the S&P 500 over 5 and 10 years, with returns of 202.24% versus 100.56% and 244.16%, respectively.

Q: 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, particularly when considering its P/E ratio of 24, which is lower than the peer average of approximately 25.58, and its PEG ratio of 0.75, indicating potential for growth relative to its price. Additionally, LendingClub's EV to EBITDA ratio stands at 0.83, which is favorable compared to peers like U-Haul Holding Co. with an EV to EBITDA of 11.00 and H&E Equipment Services at 7.74.In terms of performance, LendingClub has outperformed the S&P 500 over multiple periods, notably with a 5-year return of 231.34% compared to the S&P 500's 109.18%. This strong performance reinforces the notion that the stock is undervalued relative to its growth potential and market performance.

Price Point

High/Low

1Day

52 Week

Valuation

Technical

Day's Volume

CASH

917.68 k

Shareholding (Dec 2025)

FII

11.26%

Held by 113 FIIs

DII

57.57%

Held by 42 DIIs

Promoter

0.21%

How big is LendingClub Corp.?

22-Jun-2025

As of Jun 18, LendingClub Corp. has a market capitalization of 1,256.24 million and net sales of 1,334.80 million with a net profit of 50.75 million over the latest four quarters.

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What does LendingClub Corp. do?

22-Jun-2025

LendingClub Corp. is an online marketplace that connects borrowers and investors, with a market cap of approximately $1.26 billion and quarterly net sales of $329 million. The company reported a net profit of $12 million for March 2025.

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Who are in the management team of LendingClub Corp.?

22-Jun-2025

As of March 2022, the management team of LendingClub Corp. includes CEO Scott Sanborn and Independent Chairman John Morris, along with several independent directors: Susan Athey, Daniel Ciporin, Kenneth Denman, Timothy Mayopoulos, and Patricia McCord. They oversee the company's strategic direction and operations.

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Is LendingClub Corp. technically bullish or bearish?

07-Oct-2025

As of October 3, 2025, LendingClub Corp. has a mildly bullish trend, supported by daily moving averages and Bollinger Bands, despite mixed signals from KST and Dow Theory, while it has underperformed the S&P 500 recently but outperformed it over the past year and significantly over 5 and 10 years.

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Is LendingClub Corp. overvalued or undervalued?

05-Nov-2025

As of October 31, 2025, LendingClub Corp. is considered very attractive due to its undervalued status, with a P/E ratio of 24, a PEG ratio of 0.75, and an EV to EBITDA ratio of 0.83, while also outperforming the S&P 500 with a 5-year return of 231.34%.

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Compare LendingClub Corp. with Similar Stocks

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Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Dashboard

RAW MATERIAL COST(Y) Fallen by -5.84% (YoY)
NET SALES(Q) Highest at USD 359.15 MM
PRE-TAX PROFIT(Q) Highest at USD 53.98 MM

With ROE of 3.72%, it has a very attractive valuation with a 0.89 Price to Book Value

Market Beating performance in long term as well as near term

Mojo Parameters

Stock DNA

Industry

Major Banks

Market cap

USD 1,598 Million (Small Cap)

P/E

12.00

Industry P/E

Dividend Yield

0.00%

Debt Equity

-999,999.00

Return on Equity

9.04%

Price to Book

1.06

Revenue and Profits:

Net Sales:

393 Million

(Quarterly Results - Dec 2025)

Net Profit:

42 Million

Total Returns

Total Returns (Price + Dividend)

TimePeriod

Price Return

Dividend Return

Total Return

3 Months

-28.75%

6 Months

-20.75%

1 Year

30.05%

2 Years

81.09%

3 Years

110.86%

4 Years

-14.96%

5 Years

-29.18%

LendingClub Corp. for the last several years.

Risk Adjusted Returns v/s

News & Corporate Actions

News

No Recent News for the Company

Announcements

No announcement available

Corporate Actions

No corporate action available

Key Factors

Quality key factors

Factor

Value

Sales Growth (5y)

19.20%

EBIT Growth (5y)

81.96%

EBIT to Interest (avg)

35.31

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

20.99%

Dividend Payout Ratio

Pledged Shares

Institutional Holding

90.45%

ROCE (avg)

73.80%

ROE (avg)

8.16%

Valuation key factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.06

EV to EBIT

1.81

EV to EBITDA

1.55

EV to Capital Employed

1.17

EV to Sales

0.45

PEG Ratio

0.07

Dividend Yield

ROCE (Latest)

64.63%

ROE (Latest)

9.04%

Technicals key factors

Indicator

Weekly

Monthly

MACD

Bearish

Bullish

RSI

Bullish

No Signal

Bollinger Bands

Mildly Bearish

Bearish

Moving Averages

Mildly Bullish (Daily)

KST

Bearish

Bullish

Dow Theory

Mildly Bearish

OBV

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Shareholding

Shareholding Snapshot : Dec 2025

Shareholding Compare (%holding)

Majority shareholders

Domestic Funds

Held in 55 Schemes (30.95%)

Foreign Institutions

Held by 113 Foreign Institutions (11.26%)

Strategic Entities with highest holding

Highest Public shareholder

Financial

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Quarterly Results Snapshot (Consolidated) - Dec'25 - QoQ

Dec'25

Sep'25

Change(%)

Net Sales

393.50

388.00

1.42%

Operating Profit (PBDIT) excl Other Income

113.80

120.50

-5.56%

Interest

0.00

0.10

-100.00%

Exceptional Items

0.00

Consolidate Net Profit

41.60

44.30

-6.09%

Operating Profit Margin (Excl OI)

127.10%

147.90%

-2.08%

USD in Million.

Compare with Peers

Net Sales

QoQ Growth in quarter ended Dec 2025 is 1.42% vs 8.02% in Sep 2025

Consolidated Net Profit

QoQ Growth in quarter ended Dec 2025 is -6.09% vs 15.97% in Sep 2025

All Quarterly Results

Annual Results Snapshot (Consolidated) - Dec'25

Dec'25

Dec'24

Change(%)

Net Sales

1,469.70

1,315.60

11.71%

Operating Profit (PBDIT) excl Other Income

431.30

306.90

40.53%

Interest

0.10

4.70

-97.87%

Exceptional Items

0.00

Consolidate Net Profit

135.70

51.30

164.52%

Operating Profit Margin (Excl OI)

120.50%

53.00%

6.75%

USD in Million.

Compare with Peers

Net Sales

YoY Growth in year ended Dec 2025 is 11.71% vs 3.63% in Dec 2024

Consolidated Net Profit

YoY Growth in year ended Dec 2025 is 164.52% vs 31.88% in Dec 2024

All Annual Results

Company CV

About LendingClub Corp.

LendingClub Corp.

Major Banks

LendingClub Corporation provides online marketplace to connect borrowers and investors. Consumers and small business owners borrow through Lending Club. Investors use Lending Club to earn risk-adjusted returns from an asset class that has been closed to many investors and only available on a limited basis to large institutional investors. Its technology automates aspects of operations, including the borrower application process, data gathering, credit decisioning and scoring, loan funding, investing and servicing, regulatory compliance and fraud detection. Its platform offers analytical tools and data to enable investors to make decisions and assess their portfolios. Its technology platform has allowed it to expand its offerings from personal loans to include small business loans, and to expand investor classes from individuals to institutions and create various investment vehicles.

Company Coordinates

Company Details

595 Market St Ste 200 , SAN FRANCISCO CA : 94105-2802

Tel: 1 415 6325600

https://www.lendingclub.com/

Registrar Details