Lendingclub Corp Stock Current Valuation
| LC Stock | USD 16.65 0.32 1.96% |
Valuation analysis of LendingClub Corp helps investors to measure LendingClub Corp's intrinsic value by examining its available valuation indicators, including the cash flow records, the balance sheet account changes and income statement patterns. The current year's Enterprise Value Over EBITDA is expected to grow to -2.52. The current year's Enterprise Value Multiple is expected to grow to -2.52. Fundamental drivers impacting LendingClub Corp's valuation include:
Fairly Valued
Today
Please note that LendingClub Corp's price fluctuation is not too volatile at this time. Calculation of the real value of LendingClub Corp is based on 3 months time horizon. Increasing LendingClub Corp's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since LendingClub Corp is currently traded on the exchange, buyers and sellers on that exchange determine the market value of LendingClub Stock. However, LendingClub Corp's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 16.65 | Real 16.02 | Target 18.65 | Hype 16.77 |
The real value of LendingClub Stock, also known as its intrinsic value, is the underlying worth of LendingClub Corp Company, which is reflected in its stock price. It is based on LendingClub Corp's financial performance, growth prospects, management team, or industry conditions. The intrinsic value of LendingClub Corp's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, or news.
Estimating the potential upside or downside of LendingClub Corp helps investors to forecast how LendingClub stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of LendingClub Corp more accurately as focusing exclusively on LendingClub Corp's fundamentals will not take into account other important factors: LendingClub Corp Company Current Valuation Analysis
LendingClub Corp's Enterprise Value is a firm valuation proxy that approximates the current market value of a company. It is typically used to determine the takeover or merger price of a firm. Unlike Market Cap, this measure takes into account the entire liquid asset, outstanding debt, and exotic equity instruments that the company has on its balance sheet. When a takeover occurs, the parent company will have to assume the target company's liabilities but will take possession of all cash and cash equivalents.
Current LendingClub Corp Current Valuation | 930.52 M |
Most of LendingClub Corp's fundamental indicators, such as Current Valuation, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, LendingClub Corp is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.
LendingClub Current Valuation Driver Correlations
Understanding the fundamental principles of building solid financial models for LendingClub Corp is extremely important. It helps to project a fair market value of LendingClub Stock properly, considering its historical fundamentals such as Current Valuation. Since LendingClub Corp's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of LendingClub Corp's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of LendingClub Corp's interrelated accounts and indicators.
Click cells to compare fundamentals
Enterprise Value can be a useful tool to compare companies with different capital structures. Long term liability and current cash or cash equivalents can have a huge impact on market valuation of a given company.
| Competition |
In accordance with the recently published financial statements, LendingClub Corp has a Current Valuation of 930.52 M. This is 97.16% lower than that of the Consumer Finance sector and 97.55% lower than that of the Financials industry. The current valuation for all United States stocks is 94.4% higher than that of the company.
LendingClub Current Valuation Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses LendingClub Corp's direct or indirect competition against its Current Valuation to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of LendingClub Corp could also be used in its relative valuation, which is a method of valuing LendingClub Corp by comparing valuation metrics of similar companies.LendingClub Corp is currently under evaluation in current valuation category among its peers.
LendingClub Corp Current Valuation Drivers
We derive many important indicators used in calculating different scores of LendingClub Corp from analyzing LendingClub Corp's financial statements. These drivers represent accounts that assess LendingClub Corp's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of LendingClub Corp's important valuation drivers and their relationship over time.
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
| Market Cap | 955.0M | 2.4B | 911.2M | 948.0M | 1.1B | 1.0B | |
| Enterprise Value | 1.4B | 2.1B | (2.4M) | (247.3M) | (284.4M) | (270.2M) |
LendingClub Corp ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, LendingClub Corp's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to LendingClub Corp's managers, analysts, and investors.Environmental | Governance | Social |
LendingClub Fundamentals
| Return On Equity | 0.0406 | ||||
| Return On Asset | 0.0044 | ||||
| Profit Margin | 0.05 % | ||||
| Operating Margin | 0.06 % | ||||
| Current Valuation | 930.52 M | ||||
| Shares Outstanding | 112.4 M | ||||
| Shares Owned By Insiders | 2.97 % | ||||
| Shares Owned By Institutions | 76.32 % | ||||
| Number Of Shares Shorted | 4.69 M | ||||
| Price To Earning | 3.90 X | ||||
| Price To Book | 1.39 X | ||||
| Price To Sales | 1.73 X | ||||
| Revenue | 864.62 M | ||||
| Gross Profit | 275.63 M | ||||
| EBITDA | 107.05 M | ||||
| Net Income | 38.94 M | ||||
| Cash And Equivalents | 1.03 B | ||||
| Cash Per Share | 9.07 X | ||||
| Total Debt | 57.22 M | ||||
| Debt To Equity | 0.11 % | ||||
| Book Value Per Share | 11.95 X | ||||
| Cash Flow From Operations | (1.14 B) | ||||
| Short Ratio | 2.50 X | ||||
| Earnings Per Share | 0.46 X | ||||
| Price To Earnings To Growth | (18.14) X | ||||
| Target Price | 18.65 | ||||
| Number Of Employees | 1.02 K | ||||
| Beta | 2.02 | ||||
| Market Capitalization | 1.92 B | ||||
| Total Asset | 8.83 B | ||||
| Retained Earnings | (388.81 M) | ||||
| Net Asset | 8.83 B |
About LendingClub Corp Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze LendingClub Corp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of LendingClub Corp using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of LendingClub Corp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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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 | Quarterly Revenue Growth 0.113 | Return On Assets |
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.