Lendingclub Corp Stock Buy Hold or Sell Recommendation
| LC Stock | USD 15.90 0.79 5.23% |
Allowing for the 90-day total investment horizon and your above-average risk tolerance, our recommendation regarding LendingClub Corp is 'Strong Hold'. Macroaxis provides LendingClub Corp buy-hold-or-sell recommendation only in the context of selected investment horizon and investor attitude towards risk assumed by holding LC positions.
Check out LendingClub Corp Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. For information on how to trade LendingClub Stock refer to our How to Trade LendingClub Stock guide. In addition, we conduct extensive research on individual companies such as LendingClub and provide practical buy, sell, or hold advice based on investors' investing horizon and their risk tolerance towards LendingClub Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in main economic indicators.
LendingClub |
Execute LendingClub Corp Buy or Sell Advice
The LendingClub recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on LendingClub Corp. Macroaxis does not own or have any residual interests in LendingClub Corp or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute LendingClub Corp's advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Strong Hold
Market Performance | Good | Details | |
Volatility | Not too volatile | Details | |
Hype Condition | Low key | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Very Small | Details | |
Economic Sensitivity | Hyperactively responds to market trends | Details | |
Investor Sentiment | Impartial | Details | |
Analyst Consensus | Strong Buy | Details | |
Financial Strenth (F Score) | Poor | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Possible Manipulator | Details |
LendingClub Corp Trading Alerts and Improvement Suggestions
| LendingClub Corp had very high historical volatility over the last 90 days | |
| LendingClub Corp is unlikely to experience financial distress in the next 2 years | |
| LendingClub Corp reports about 1.03 B in cash with (1.14 B) of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 9.07. | |
| LendingClub Corp has a poor financial position based on the latest SEC disclosures | |
| Over 76.0% of the company shares are owned by institutional investors | |
| Latest headline from cnet.com: High Savings APYs Wont Stick Around Long -- Dont Delay to Get a Good Rate. Todays Rates, Nov. 20, 2024 |
LendingClub Corp Returns Distribution Density
The distribution of LendingClub Corp's historical returns is an attempt to chart the uncertainty of LendingClub Corp's future price movements. The chart of the probability distribution of LendingClub Corp daily returns describes the distribution of returns around its average expected value. We use LendingClub Corp price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of LendingClub Corp returns is essential to provide solid investment advice for LendingClub Corp.
| Mean Return | 0.49 | Value At Risk | -3.31 | Potential Upside | 5.05 | Standard Deviation | 3.07 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of LendingClub Corp historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
LendingClub Stock Institutional Investors
| Shares | Balyasny Asset Management Llc | 2024-06-30 | 1.5 M | Assenagon Asset Management Sa | 2024-09-30 | 1.5 M | Rima Management, Llc | 2024-09-30 | 1.5 M | Jacobs Levy Equity Management, Inc. | 2024-06-30 | 1.3 M | Harspring Capital Management Llc | 2024-09-30 | 1.2 M | Northern Trust Corp | 2024-09-30 | 989.4 K | Jpmorgan Chase & Co | 2024-06-30 | 952.8 K | Charles Schwab Investment Management Inc | 2024-09-30 | 901.4 K | D. E. Shaw & Co Lp | 2024-06-30 | 837.2 K | Vanguard Group Inc | 2024-09-30 | 12.1 M | Blackrock Inc | 2024-06-30 | 8.4 M |
LendingClub Corp Cash Flow Accounts
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Change In Cash | (156.9M) | 141.4M | 135.1M | 360.9M | 169.7M | 161.2M | |
| Free Cash Flow | (321.3M) | 386.9M | 205.5M | 306.1M | (1.2B) | (1.3B) | |
| Depreciation | 62.2M | 54.0M | 44.3M | 43.8M | 47.2M | 32.8M | |
| Other Non Cash Items | (231.9M) | 620.1M | 66.2M | 156.8M | (1.2B) | (1.2B) | |
| Capital Expenditures | 50.7M | 31.1M | 34.4M | 69.5M | 59.5M | 49.5M | |
| Net Income | (30.7M) | (187.5M) | 18.6M | 289.7M | 38.9M | 40.9M | |
| End Period Cash Flow | 487.1M | 628.5M | 763.6M | 1.1B | 1.3B | 996.0M | |
| Net Borrowings | 70.2M | (500.1M) | (90.5M) | (40.9M) | (36.8M) | (35.0M) | |
| Change To Netincome | 81.1M | 303.8M | 219.1M | 339.9M | 305.9M | 180.5M | |
| Change Receivables | 6.7M | (3.8M) | (16.3M) | (5.0M) | (4.5M) | (4.8M) | |
| Investments | 92.0M | 869.5M | (930.1M) | (2.7B) | (1.0B) | (994.5M) |
LendingClub Corp Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to LendingClub Corp or Consumer Finance sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that LendingClub Corp's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a LendingClub stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over Dow Jones | 0.29 | |
β | Beta against Dow Jones | 2.22 | |
σ | Overall volatility | 3.13 | |
Ir | Information ratio | 0.13 |
LendingClub Corp Volatility Alert
LendingClub Corp currently demonstrates below-average downside deviation. It has Information Ratio of 0.13 and Jensen Alpha of 0.29. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure LendingClub Corp's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact LendingClub Corp's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.LendingClub Corp Fundamentals Vs Peers
Comparing LendingClub Corp's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze LendingClub Corp's direct or indirect competition across all of the common fundamentals between LendingClub Corp and the related equities. This way, we can detect undervalued stocks with similar characteristics as LendingClub Corp or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of LendingClub Corp's fundamental indicators could also be used in its relative valuation, which is a method of valuing LendingClub Corp by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare LendingClub Corp to competition |
| Fundamentals | LendingClub Corp | Peer Average |
| Return On Equity | 0.0406 | -0.31 |
| Return On Asset | 0.0044 | -0.14 |
| Profit Margin | 0.05 % | (1.27) % |
| Operating Margin | 0.06 % | (5.51) % |
| Current Valuation | 713.59 M | 16.62 B |
| Shares Outstanding | 112.4 M | 571.82 M |
| Shares Owned By Insiders | 3.12 % | 10.09 % |
| Shares Owned By Institutions | 76.34 % | 39.21 % |
| Number Of Shares Shorted | 3.5 M | 4.71 M |
| Price To Earning | 3.90 X | 28.72 X |
| Price To Book | 1.26 X | 9.51 X |
| Price To Sales | 1.53 X | 11.42 X |
| Revenue | 864.62 M | 9.43 B |
| Gross Profit | 536.37 M | 27.38 B |
| EBITDA | 107.05 M | 3.9 B |
| Net Income | 38.94 M | 570.98 M |
| Cash And Equivalents | 1.03 B | 2.7 B |
| Cash Per Share | 9.07 X | 5.01 X |
| Total Debt | 57.22 M | 5.32 B |
| Debt To Equity | 0.11 % | 48.70 % |
| Book Value Per Share | 11.95 X | 1.93 K |
| Cash Flow From Operations | (1.14 B) | 971.22 M |
| Short Ratio | 1.83 X | 4.00 X |
| Earnings Per Share | 0.46 X | 3.12 X |
| Price To Earnings To Growth | (18.14) X | 4.89 X |
| Target Price | 15.6 | |
| Number Of Employees | 1.02 K | 18.84 K |
| Beta | 2.02 | -0.15 |
| Market Capitalization | 1.7 B | 19.03 B |
| Total Asset | 8.83 B | 29.47 B |
| Retained Earnings | (388.81 M) | 9.33 B |
| Net Asset | 8.83 B |
Note: Disposition of 17000 shares by Scott Sanborn of LendingClub Corp at 11.3615 subject to Rule 16b-3 [view details]
LendingClub Corp Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as LendingClub . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
| Accumulation Distribution | 104298.0 | |||
| Daily Balance Of Power | 0.8144 | |||
| Rate Of Daily Change | 1.05 | |||
| Day Median Price | 15.49 | |||
| Day Typical Price | 15.62 | |||
| Price Action Indicator | 0.81 | |||
| Period Momentum Indicator | 0.79 |
About LendingClub Corp Buy or Sell Advice
When is the right time to buy or sell LendingClub Corp? Buying financial instruments such as LendingClub Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.
Use Investing Ideas to Build Portfolios
In addition to having LendingClub Corp in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.Did You Try This Idea?
Run Global Macro ETFs Thematic Idea Now
Global Macro ETFs
ETF themes focus on helping investors to gain exposure to a broad range of assets, diversify, and lower overall costs. The Global Macro ETFs theme has 26 constituents at this time.
You can either use a buy-and-hold strategy to lock in the entire theme or actively trade it to take advantage of the short-term price volatility of individual constituents. Macroaxis can help you discover thousands of investment opportunities in different asset classes. In addition, you can partner with us for reliable portfolio optimization as you plan to utilize Global Macro ETFs Theme or any other thematic opportunities.
| View All Next | Launch |
Check out LendingClub Corp Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. For information on how to trade LendingClub Stock refer to our How to Trade LendingClub Stock guide.You can also try the Investing Opportunities module to build portfolios using our predefined set of ideas and optimize them against your investing preferences.
Is Consumer Finance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of LendingClub Corp. If investors know LendingClub will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about LendingClub Corp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 1.81 | Earnings Share 0.46 | Revenue Per Share 9.98 | Quarterly Revenue Growth 0.113 | Return On Assets 0.0044 |
The market value of LendingClub Corp is measured differently than its book value, which is the value of LendingClub that is recorded on the company's balance sheet. Investors also form their own opinion of LendingClub Corp's value that differs from its market value or its book value, called intrinsic value, which is LendingClub Corp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because LendingClub Corp's market value can be influenced by many factors that don't directly affect LendingClub Corp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between LendingClub Corp's value and its price as these two are different measures arrived at by different means. Investors typically determine if LendingClub Corp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, LendingClub Corp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.