LendingClub Net Debt from 2010 to 2026

LC Stock

USD 16.78 1.09 6.95%

LendingClub Corp's Net Debt is increasing over the years with stable fluctuation. Overall, Net Debt is projected to go to about -11.2 M this year. Net Debt is the total debt of LendingClub Corp minus its cash and cash equivalents. It represents the actual debt burden on the company after accounting for the liquid assets it holds. View All Fundamentals

Net Debt

First Reported

2008-12-31

Previous Quarter

-10.6 M

Current Value

-11.7 M

Quarterly Volatility

6.3 T

Credit Downgrade

Yuan Drop

Covid

Interest Hikes

Check LendingClub Corp financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among LendingClub Corp's main balance sheet or income statement drivers, such as Depreciation And Amortization of 32.6 M, Interest Expense of 366.5 M or Selling General Administrative of 229.8 M, as well as many indicators such as Price To Sales Ratio of 1.55, Dividend Yield of 0.0421 or PTB Ratio of 0.73. LendingClub financial statements analysis is a perfect complement when working with LendingClub Corp Valuation or Volatility modules.

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Check out the analysis of LendingClub Corp Correlation against competitors.

For information on how to trade LendingClub Stock refer to our How to Trade LendingClub Stock guide.

Analyzing LendingClub Corp's Net Debt over time reveals critical patterns in financial health and operational efficiency. This metric helps investors evaluate trends, identify inflection points, and make informed decisions based on historical performance. Understanding how Net Debt has evolved provides context for assessing LendingClub Corp's current valuation and future prospects.

Latest LendingClub Corp's Net Debt Growth Pattern

Below is the plot of the Net Debt of LendingClub Corp over the last few years. It is the total debt of a company minus its cash and cash equivalents. It represents the actual debt burden on the company after accounting for the liquid assets it holds. LendingClub Corp's Net Debt historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in LendingClub Corp's overall financial position and show how it may be relating to other accounts over time.

Net Debt

10 Years Trend

Pretty Stable

Compare to Others All Fundamentals

Net Debt

Timeline

LendingClub Net Debt Regression Statistics

	Arithmetic Mean	303,749,791
	Coefficient Of Variation	1,174
	Mean Deviation	2,043,824,363
	Median	328,964,000
	Standard Deviation	3,566,663,854
	Sample Variance	12721091T
	Range	15.9B
	R-Value	0.14
	Mean Square Error	13309827.6T
	R-Squared	0.02
	Significance	0.60
	Slope	97,644,354
	Total Sum of Squares	203537456.8T

LendingClub Net Debt History

	2026	-11.2 M
	2025	-11.7 M
	2024	-925.6 M
	2023	-1.2 B
	2022	-846.8 M
	2021	-257.1 M
	2020	464.1 M

Other Fundumenentals of LendingClub Corp

Net Debt To E B I T D A

LendingClub Corp Net Debt component correlations

	Total Assets	Total Stockholder Equity	Current Deferred Revenue	Net Debt	Retained Earnings	Accounts Payable	Net Receivables	Total Liab	Total Current Assets	Common Stock	Net Tangible Assets	Long Term Debt	Long Term Debt Total	Short Term Debt	Property Plant Equipment	Good Will	Short Term Investments	Capital Surpluse	Deferred Long Term Liab	Long Term Investments	Treasury Stock	Intangible Assets	Cash And Equivalents	Net Invested Capital	Short Long Term Debt	Capital Stock
Total Assets		0.94	0.43	-0.86	-0.89	0.94	0.34	0.94	0.97	0.89	-0.05	-0.28	-0.27	-0.19	0.06	-0.04	0.13	-0.06	-0.1	-0.04	0.08	-0.23	0.26	-0.07	-0.17	-0.03
Total Stockholder Equity	0.94		0.63	-0.89	-0.99	0.99	0.1	0.81	0.94	0.99	-0.28	-0.21	-0.2	-0.09	-0.2	-0.23	-0.06	-0.28	-0.24	-0.16	0.23	-0.19	-0.02	0.14	0.07	0.14
Current Deferred Revenue	0.43	0.63		-0.53	-0.71	0.61	-0.47	0.21	0.44	0.73	-0.79	0.05	0.07	-0.09	-0.8	-0.7	-0.42	-0.86	-0.71	-0.24	0.79	-0.4	-0.45	0.73	0.57	0.7
Net Debt	-0.86	-0.89	-0.53		0.89	-0.91	-0.21	-0.78	-0.9	-0.87	0.37	0.6	0.6	0.23	0.11	0.19	-0.03	0.3	0.34	0.32	-0.2	0.21	-0.23	0.12	0.22	0.1
Retained Earnings	-0.89	-0.99	-0.71	0.89		-0.98	-0.02	-0.73	-0.89	-1.0	0.41	0.22	0.22	0.08	0.32	0.34	0.14	0.4	0.31	0.23	-0.3	0.19	0.11	-0.21	-0.14	-0.21
Accounts Payable	0.94	0.99	0.61	-0.91	-0.98		0.17	0.81	0.93	0.98	-0.3	-0.25	-0.25	-0.16	-0.21	-0.22	-0.08	-0.29	-0.25	-0.22	0.22	-0.13	0.01	0.09	-0.01	0.11
Net Receivables	0.34	0.1	-0.47	-0.21	-0.02	0.17		0.44	0.24	0.0	0.57	-0.28	-0.31	-0.24	0.58	0.49	0.28	0.59	0.51	-0.02	-0.56	0.17	0.72	-0.65	-0.67	-0.53
Total Liab	0.94	0.81	0.21	-0.78	-0.73	0.81	0.44		0.95	0.74	0.09	-0.35	-0.34	-0.25	0.33	0.09	0.4	0.09	0.0	0.11	-0.05	-0.27	0.42	-0.24	-0.37	-0.19
Total Current Assets	0.97	0.94	0.44	-0.9	-0.89	0.93	0.24	0.95		0.89	-0.14	-0.39	-0.38	-0.2	0.09	-0.07	0.23	-0.12	-0.17	-0.03	0.11	-0.26	0.24	-0.1	-0.2	-0.07
Common Stock	0.89	0.99	0.73	-0.87	-1.0	0.98	0.0	0.74	0.89		-0.4	-0.16	-0.15	-0.11	-0.33	-0.34	-0.14	-0.41	-0.32	-0.2	0.34	-0.21	-0.13	0.27	0.16	0.26
Net Tangible Assets	-0.05	-0.28	-0.79	0.37	0.41	-0.3	0.57	0.09	-0.14	-0.4		0.15	0.14	0.16	0.77	0.82	0.35	0.96	0.73	0.4	-0.72	0.32	0.45	-0.59	-0.4	-0.55
Long Term Debt	-0.28	-0.21	0.05	0.6	0.22	-0.25	-0.28	-0.35	-0.39	-0.16	0.15		1.0	0.04	-0.32	-0.06	-0.33	-0.03	0.11	0.24	0.17	0.18	-0.49	0.62	0.53	0.6
Long Term Debt Total	-0.27	-0.2	0.07	0.6	0.22	-0.25	-0.31	-0.34	-0.38	-0.15	0.14	1.0		0.05	-0.32	-0.09	-0.33	-0.05	0.1	0.29	0.18	0.11	-0.49	0.64	0.55	0.62
Short Term Debt	-0.19	-0.09	-0.09	0.23	0.08	-0.16	-0.24	-0.25	-0.2	-0.11	0.16	0.04	0.05		0.09	-0.04	-0.13	0.2	0.31	0.14	-0.32	-0.04	-0.47	0.0	0.56	-0.11
Property Plant Equipment	0.06	-0.2	-0.8	0.11	0.32	-0.21	0.58	0.33	0.09	-0.33	0.77	-0.32	-0.32	0.09		0.64	0.73	0.84	0.66	0.46	-0.79	0.04	0.63	-0.8	-0.65	-0.76
Good Will	-0.04	-0.23	-0.7	0.19	0.34	-0.22	0.49	0.09	-0.07	-0.34	0.82	-0.06	-0.09	-0.04	0.64		0.36	0.83	0.43	0.06	-0.51	0.47	0.49	-0.71	-0.55	-0.75
Short Term Investments	0.13	-0.06	-0.42	-0.03	0.14	-0.08	0.28	0.4	0.23	-0.14	0.35	-0.33	-0.33	-0.13	0.73	0.36		0.4	0.22	0.34	-0.3	-0.16	0.52	-0.5	-0.53	-0.47
Capital Surpluse	-0.06	-0.28	-0.86	0.3	0.4	-0.29	0.59	0.09	-0.12	-0.41	0.96	-0.03	-0.05	0.2	0.84	0.83	0.4		0.79	0.34	-0.85	0.43	0.45	-0.74	-0.5	-0.71
Deferred Long Term Liab	-0.1	-0.24	-0.71	0.34	0.31	-0.25	0.51	0.0	-0.17	-0.32	0.73	0.11	0.1	0.31	0.66	0.43	0.22	0.79		0.31	-0.82	0.29	0.14	-0.44	-0.22	-0.4
Long Term Investments	-0.04	-0.16	-0.24	0.32	0.23	-0.22	-0.02	0.11	-0.03	-0.2	0.4	0.24	0.29	0.14	0.46	0.06	0.34	0.34	0.31		-0.39	-0.24	0.01	0.02	0.03	0.04
Treasury Stock	0.08	0.23	0.79	-0.2	-0.3	0.22	-0.56	-0.05	0.11	0.34	-0.72	0.17	0.18	-0.32	-0.79	-0.51	-0.3	-0.85	-0.82	-0.39		-0.33	-0.32	0.7	0.41	0.68
Intangible Assets	-0.23	-0.19	-0.4	0.21	0.19	-0.13	0.17	-0.27	-0.26	-0.21	0.32	0.18	0.11	-0.04	0.04	0.47	-0.16	0.43	0.29	-0.24	-0.33		-0.11	-0.31	-0.23	-0.31
Cash And Equivalents	0.26	-0.02	-0.45	-0.23	0.11	0.01	0.72	0.42	0.24	-0.13	0.45	-0.49	-0.49	-0.47	0.63	0.49	0.52	0.45	0.14	0.01	-0.32	-0.11		-0.71	-0.86	-0.57
Net Invested Capital	-0.07	0.14	0.73	0.12	-0.21	0.09	-0.65	-0.24	-0.1	0.27	-0.59	0.62	0.64	0.0	-0.8	-0.71	-0.5	-0.74	-0.44	0.02	0.7	-0.31	-0.71		0.81	0.96
Short Long Term Debt	-0.17	0.07	0.57	0.22	-0.14	-0.01	-0.67	-0.37	-0.2	0.16	-0.4	0.53	0.55	0.56	-0.65	-0.55	-0.53	-0.5	-0.22	0.03	0.41	-0.23	-0.86	0.81		0.69
Capital Stock	-0.03	0.14	0.7	0.1	-0.21	0.11	-0.53	-0.19	-0.07	0.26	-0.55	0.6	0.62	-0.11	-0.76	-0.75	-0.47	-0.71	-0.4	0.04	0.68	-0.31	-0.57	0.96	0.69

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About LendingClub Corp Financial Statements

LendingClub Corp stakeholders use historical fundamental indicators, such as LendingClub Corp's Net Debt, to determine how well the company is positioned to perform in the future. Although LendingClub Corp investors may analyze each financial statement separately, they are all interrelated. For example, changes in LendingClub Corp's assets and liabilities are reflected in the revenues and expenses on LendingClub Corp's income statement, which ultimately affect the company's gains or losses. Understanding these patterns can help in making the right long-term investment decisions in LendingClub Corp. Please read more on our technical analysis and fundamental analysis pages.

	Last Reported	Projected for Next Year
Net Debt	-11.7 M	-11.2 M
Net Debt To EBITDA	(0.03)	(0.03)

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Check out the analysis of LendingClub Corp Correlation against competitors.

For information on how to trade LendingClub Stock refer to our How to Trade LendingClub Stock guide.

You can also try the Fundamental Analysis module to view fundamental data based on most recent published financial statements.

Will Consumer Finance sector continue expanding? Could LendingClub diversify its offerings? Factors like these will boost the valuation of LendingClub Corp. Expected growth trajectory for LendingClub significantly influences the price investors are willing to assign. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every LendingClub Corp data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.

Quarterly Earnings Growth

3.309

Earnings Share

1.15

Revenue Per Share

11.646

Quarterly Revenue Growth

0.122

Return On Assets

0.0289

Understanding LendingClub Corp requires distinguishing between market price and book value, where the latter reflects LendingClub's accounting equity. The concept of intrinsic value - what LendingClub Corp's is actually worth based on fundamentals - guides informed investors toward better entry and exit points. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Market sentiment, economic cycles, and investor behavior can push LendingClub Corp's price substantially above or below its fundamental value.

Understanding that LendingClub Corp's value differs from its trading price is crucial, as each reflects different aspects of the company. Evaluating whether LendingClub Corp represents a sound investment requires analyzing earnings trends, revenue growth, technical signals, industry dynamics, and expert forecasts. In contrast, LendingClub Corp's trading price reflects the actual exchange value where willing buyers and sellers reach mutual agreement.

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LendingClub Net Debt from 2010 to 2026

Latest LendingClub Corp's Net Debt Growth Pattern

LendingClub Net Debt Regression Statistics

LendingClub Net Debt History

Other Fundumenentals of LendingClub Corp

LendingClub Corp Net Debt component correlations

About LendingClub Corp Financial Statements

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