ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is LendingClub Corp. ?
1
- 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
2
With ROE of 3.72%, it has a very attractive valuation with a 0.89 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 19.44%, its profits have risen by 35.3% ; the PEG ratio of the company is 0.8
3
Market Beating performance in long term as well as near term
- Along with generating 19.44% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to LendingClub Corp. should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is LendingClub Corp. for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
LendingClub Corp.
22.98%
2.20
59.18%
S&P 500
13.22%
0.64
20.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
6.89%
EBIT Growth (5y)
29.30%
EBIT to Interest (avg)
35.31
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
20.99%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
93.76%
ROCE (avg)
73.80%
ROE (avg)
8.16%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
24
Industry P/E
Price to Book Value
0.89
EV to EBIT
1.00
EV to EBITDA
0.83
EV to Capital Employed
0.65
EV to Sales
0.22
PEG Ratio
0.75
Dividend Yield
NA
ROCE (Latest)
65.15%
ROE (Latest)
3.72%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend16What is working for the Company
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
NET PROFIT(Q)
Highest at USD 38.18 MM
EPS(Q)
Highest at USD 0.33
-1What is not working for the Company
DEBT-EQUITY RATIO
(HY)
Highest at -49.1 %
Here's what is working for LendingClub Corp.
Pre-Tax Profit
At USD 53.98 MM has Grown at 236.18%
over average net sales of the previous four periods of USD 16.06 MMMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 38.18 MM has Grown at 200.9%
over average net sales of the previous four periods of USD 12.69 MMMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Net Sales
Highest at USD 359.15 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Pre-Tax Profit
Highest at USD 53.98 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 38.18 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.33
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Raw Material Cost
Fallen by -5.84% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Here's what is not working for LendingClub Corp.
Debt-Equity Ratio
Highest at -49.1 %
in the last five Semi-Annual periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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