LendingClub Corp Financials

LC Stock  USD 16.65  0.32  1.96%   
Based on the analysis of LendingClub Corp's profitability, liquidity, and operating efficiency, LendingClub Corp is performing exceptionally good at the present time. It has a great chance to report excellent financial results in February. At present, LendingClub Corp's Total Current Liabilities is projected to decrease significantly based on the last few years of reporting. The current year's Accounts Payable is expected to grow to about 59.5 M, whereas Total Assets are forecasted to decline to about 4.2 B. Key indicators impacting LendingClub Corp's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Current Ratio31.2129.72
Sufficiently Up
Slightly volatile
The financial analysis of LendingClub Corp is a critical element in measuring its lifeblood. Investors should not minimize LendingClub Corp's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Cash And Equivalents

1.25 Billion

  
Please note, the presentation of LendingClub Corp's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, LendingClub Corp's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of LendingClub Corp's management manipulating its earnings.

LendingClub Corp Stock Summary

LendingClub Corp competes with Navient Corp, Green Dot, Orix Corp, FirstCash, and Western Union. LendingClub Corporation, operates as a bank holding company for LendingClub Bank, National Association that provides range of financial products and services through a technology-driven platform in the United States. LendingClub Corporation was incorporated in 2006 and is headquartered in San Francisco, California. Lendingclub Corp operates under Credit Services classification in the United States and is traded on New York Stock Exchange. It employs 1384 people.
Specialization
Financial Services, Financial Services
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS52603A2087
CUSIP52603A109 52603A208
LocationCalifornia; U.S.A
Business Address595 Market Street,
SectorConsumer Finance
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.lendingclub.com
Phone415 632 5600
CurrencyUSD - US Dollar

LendingClub Corp Key Financial Ratios

LendingClub Corp Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets1.9B4.9B8.0B8.8B7.9B4.2B
Other Current Liab(151.9M)(128.8M)(100.8M)36.8M33.1M34.8M
Net Debt464.1M(257.1M)(913.6M)(1.2B)(1.4B)(1.3B)
Retained Earnings(786.2M)(717.4M)(427.7M)(388.8M)(447.1M)(469.5M)
Accounts Payable46.9M101.0M98.2M54.6M49.2M59.5M
Cash525.0M687.1M1.1B1.3B1.1B935.0M
Other Assets791.7M3.3B5.8B2.8B2.5B3.1B
Net Receivables15.4M149.2M30.9M146.8M168.8M177.2M
Other Current Assets241.9M(763.6M)(1.1B)(1.3B)(1.2B)(1.1B)
Total Liab1.1B4.1B6.8B7.6B6.8B7.2B
Total Current Assets682.6M950.7M1.4B3.0B2.7B2.9B
Common Stock881K1.0M1.1M1.1M993.6K943.9K
Net Tangible Assets885.6M712.7M774.5M1.1B1.3B711.3M
Long Term Debt636.8M610.3M130.3M19.4M17.4M16.5M
Long Term Debt Total1.1B636.8M15.5M130.3M117.3M111.4M
Short Term Debt105.0M27.8M2.6M3.9M4.5M4.3M
Capital Surpluse1.5B1.5B1.6B1.6B1.9B1.2B
Inventory565.5M628.5M614.4M1.1B1.3B1.3B

LendingClub Corp Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense150.4M80.0M82.5M270.8M243.7M375.2M
Total Revenue304.9M802.4M1.2B864.6M994.3M1.0B
Gross Profit256.5M751.7M1.1B9.2M10.6M10.0M
Operating Income(187.6M)18.4M153.0M59.2M68.1M71.5M
Ebit(738.6M)(739.9M)(867.7M)59.9M68.8M72.3M
Research Development(0.33)0.020.120.040.0460.0437
Ebitda(133.6M)62.7M218.4M107.0M123.1M129.3M
Cost Of Revenue48.3M50.7M104.3M855.4M983.7M1.0B
Income Before Tax(187.6M)18.4M153.0M54.6M62.8M66.0M
Net Income(187.5M)18.6M289.7M38.9M44.8M47.0M
Income Tax Expense(79K)(136K)(136.6M)15.7M18.0M18.9M
Tax Provision(79K)(136K)(136.6M)15.7M14.1M14.8M
Net Interest Income68.2M212.8M474.8M561.8M646.1M678.4M
Interest Income209.7M292.8M557.3M832.6M749.4M403.3M

LendingClub Corp Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash141.4M135.1M360.9M169.7M152.7M145.1M
Free Cash Flow386.9M205.5M306.1M(1.2B)(1.4B)(1.4B)
Depreciation54.0M44.3M43.8M47.2M54.3M32.8M
Other Non Cash Items620.1M66.2M156.8M(1.2B)(1.1B)(1.1B)
Capital Expenditures31.1M34.4M69.5M59.5M68.4M49.5M
Net Income(187.5M)18.6M289.7M38.9M44.8M47.0M
End Period Cash Flow628.5M763.6M1.1B1.3B1.2B996.0M
Net Borrowings70.2M(500.1M)(90.5M)(40.9M)(36.8M)(35.0M)
Change To Netincome81.1M303.8M219.1M339.9M305.9M180.5M
Investments869.5M(930.1M)(2.7B)(1.0B)(942.2M)(895.1M)

LendingClub Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining LendingClub Corp's current stock value. Our valuation model uses many indicators to compare LendingClub Corp value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across LendingClub Corp competition to find correlations between indicators driving LendingClub Corp's intrinsic value. More Info.
LendingClub Corp is rated below average in return on equity category among its peers. It also is rated below average in return on asset category among its peers reporting about  0.11  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for LendingClub Corp is roughly  9.23 . At present, LendingClub Corp's Return On Equity is projected to slightly decrease based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the LendingClub Corp's earnings, one of the primary drivers of an investment's value.

LendingClub Corp Systematic Risk

LendingClub Corp's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. LendingClub Corp volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The function did not generate any output. Please change time horizon or modify your input parameters. The output start index for this execution was one with a total number of output elements of sixty. The Beta measures systematic risk based on how returns on LendingClub Corp correlated with the market. If Beta is less than 0 LendingClub Corp generally moves in the opposite direction as compared to the market. If LendingClub Corp Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one LendingClub Corp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of LendingClub Corp is generally in the same direction as the market. If Beta > 1 LendingClub Corp moves generally in the same direction as, but more than the movement of the benchmark.

LendingClub Corp Thematic Clasifications

LendingClub Corp is part of several thematic ideas from Aggressive Defence to Banking. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. Get More Thematic Ideas
Today, most investors in LendingClub Corp Stock are looking for potential investment opportunities by analyzing not only static indicators but also various LendingClub Corp's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of LendingClub Corp growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.31)

At present, LendingClub Corp's Price Earnings To Growth Ratio is projected to slightly decrease based on the last few years of reporting.

LendingClub Corp January 22, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of LendingClub Corp help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of LendingClub Corp. We use our internally-developed statistical techniques to arrive at the intrinsic value of LendingClub Corp based on widely used predictive technical indicators. In general, we focus on analyzing LendingClub Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build LendingClub Corp's daily price indicators and compare them against related drivers.

Complementary Tools for LendingClub Stock analysis

When running LendingClub Corp's price analysis, check to measure LendingClub Corp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy LendingClub Corp is operating at the current time. Most of LendingClub Corp's value examination focuses on studying past and present price action to predict the probability of LendingClub Corp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move LendingClub Corp's price. Additionally, you may evaluate how the addition of LendingClub Corp to your portfolios can decrease your overall portfolio volatility.
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