LendingClub Corp Net Income
| LC Stock | USD 14.75 1.51 9.29% |
As of the 23rd of February, LendingClub Corp secures the Mean Deviation of 2.65, risk adjusted performance of (0.01), and Standard Deviation of 3.78. In connection with fundamental indicators, the technical analysis model lets you check existing technical drivers of LendingClub Corp, as well as the relationship between them.
LendingClub Corp Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 1.8908 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 135.7 M | 142.5 M | |
| Net Income From Continuing Ops | 135.7 M | 142.5 M | |
| Net Income Applicable To Common Shares | 135.7 M | 142.5 M | |
| Net Income Per Share | 1.18 | 1.24 | |
| Net Income Per E B T | 0.77 | 1.23 |
LendingClub | Net Income | Build AI portfolio with LendingClub Stock |
Analyzing LendingClub Corp's Net Income 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 Income has evolved provides context for assessing LendingClub Corp's current valuation and future prospects.
Latest LendingClub Corp's Net Income Growth Pattern
Below is the plot of the Net Income of LendingClub Corp over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in LendingClub Corp financial statement analysis. It represents the amount of money remaining after all of LendingClub Corp operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is LendingClub Corp's Net Income 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.
| View | Last Reported 135.68 M | 10 Years Trend |
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Net Income |
| Timeline |
LendingClub Net Income Regression Statistics
| Arithmetic Mean | (702,213,185) | |
| Geometric Mean | 65,252,486 | |
| Coefficient Of Variation | (411.77) | |
| Mean Deviation | 1,318,966,919 | |
| Median | (11,944,000) | |
| Standard Deviation | 2,891,509,321 | |
| Sample Variance | 8360826.2T | |
| Range | 12.2B | |
| R-Value | 0.43 | |
| Mean Square Error | 7303150.3T | |
| R-Squared | 0.18 | |
| Significance | 0.09 | |
| Slope | 243,674,710 | |
| Total Sum of Squares | 133773218.5T |
LendingClub Net Income History
Other Fundumenentals of LendingClub Corp
| Net Income From Continuing Ops | ||
| Net Income Applicable To Common Shares | ||
| Net Income Per Share | ||
| Net Income Per E B T |
LendingClub Corp Net Income component correlations
LendingClub Net Income 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 Net Income. 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
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 3.296 | Earnings Share 1.16 | Revenue Per Share | Quarterly Revenue Growth 0.122 | Return On Assets |
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.
LendingClub Corp 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to LendingClub Corp's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of LendingClub Corp.
| 11/25/2025 |
| 02/23/2026 |
If you would invest 0.00 in LendingClub Corp on November 25, 2025 and sell it all today you would earn a total of 0.00 from holding LendingClub Corp or generate 0.0% return on investment in LendingClub Corp over 90 days. LendingClub Corp is related to or competes with Sezzle, Federal Agricultural, First Bancorp, First Busey, and Stewart Information. LendingClub Corporation, operates as a bank holding company for LendingClub Bank, National Association that provides ran... More
LendingClub Corp Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure LendingClub Corp's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess LendingClub Corp upside and downside potential and time the market with a certain degree of confidence.
| Information Ratio | (0.04) | |||
| Maximum Drawdown | 22.74 | |||
| Value At Risk | (5.96) | |||
| Potential Upside | 4.96 |
LendingClub Corp Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for LendingClub Corp's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as LendingClub Corp's standard deviation. In reality, there are many statistical measures that can use LendingClub Corp historical prices to predict the future LendingClub Corp's volatility.| Risk Adjusted Performance | (0.01) | |||
| Jensen Alpha | (0.25) | |||
| Total Risk Alpha | (0.39) | |||
| Treynor Ratio | (0.03) |
Sophisticated investors, who have witnessed many market ups and downs, anticipate that the market will even out over time. This tendency of LendingClub Corp's price to converge to an average value over time is called mean reversion. However, historically, high market prices usually discourage investors that believe in mean reversion to invest, while low prices are viewed as an opportunity to buy.
LendingClub Corp February 23, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | (0.01) | |||
| Market Risk Adjusted Performance | (0.02) | |||
| Mean Deviation | 2.65 | |||
| Coefficient Of Variation | (5,557) | |||
| Standard Deviation | 3.78 | |||
| Variance | 14.3 | |||
| Information Ratio | (0.04) | |||
| Jensen Alpha | (0.25) | |||
| Total Risk Alpha | (0.39) | |||
| Treynor Ratio | (0.03) | |||
| Maximum Drawdown | 22.74 | |||
| Value At Risk | (5.96) | |||
| Potential Upside | 4.96 | |||
| Skewness | (1.28) | |||
| Kurtosis | 4.38 |
LendingClub Corp Backtested Returns
LendingClub Corp has Sharpe Ratio of -0.0508, which conveys that the firm had a -0.0508 % return per unit of risk over the last 3 months. LendingClub Corp exposes twenty-three different technical indicators, which can help you to evaluate volatility embedded in its price movement. Please verify LendingClub Corp's Risk Adjusted Performance of (0.01), standard deviation of 3.78, and Mean Deviation of 2.65 to check out the risk estimate we provide. The company secures a Beta (Market Risk) of 2.74, which conveys a somewhat significant risk relative to the market. As the market goes up, the company is expected to outperform it. However, if the market returns are negative, LendingClub Corp will likely underperform. At this point, LendingClub Corp has a negative expected return of -0.19%. Please make sure to verify LendingClub Corp's kurtosis, and the relationship between the value at risk and rate of daily change , to decide if LendingClub Corp performance from the past will be repeated at some point in the near future.
Auto-correlation | -0.38 |
Poor reverse predictability
LendingClub Corp has poor reverse predictability. Overlapping area represents the amount of predictability between LendingClub Corp time series from 25th of November 2025 to 9th of January 2026 and 9th of January 2026 to 23rd of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of LendingClub Corp price movement. The serial correlation of -0.38 indicates that just about 38.0% of current LendingClub Corp price fluctuation can be explain by its past prices.
| Correlation Coefficient | -0.38 | |
| Spearman Rank Test | -0.41 | |
| Residual Average | 0.0 | |
| Price Variance | 4.78 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
LendingClub Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, LendingClub Corp reported net income of 135.68 M. This is 89.38% lower than that of the Consumer Finance sector and 90.06% lower than that of the Financials industry. The net income for all United States stocks is 76.24% higher than that of the company.
LendingClub Net Income 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 Net Income 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 net income 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.
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 (projected) | ||
| Market Cap | 2.4B | 911.2M | 948.0M | 1.8B | 2.2B | 1.9B | |
| Enterprise Value | 2.1B | 64.4M | (247.3M) | 883.4M | 2.2B | 3.1B |
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 Corp Institutional Holders
Institutional Holdings refers to the ownership stake in LendingClub Corp that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of LendingClub Corp's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing LendingClub Corp's value.| Shares | Balyasny Asset Management Llc | 2025-06-30 | 1.8 M | American Century Companies Inc | 2025-06-30 | 1.7 M | Millennium Management Llc | 2025-06-30 | 1.4 M | Cramer Rosenthal Mcglynn Llc | 2025-06-30 | 1.1 M | Charles Schwab Investment Management Inc | 2025-06-30 | 1.1 M | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 1.1 M | Qube Research & Technologies | 2025-06-30 | 1.1 M | Northern Trust Corp | 2025-06-30 | 1 M | Bank Of America Corp | 2025-06-30 | 961.5 K | Vanguard Group Inc | 2021-06-30 | 11.7 M | Blackrock Inc | 2025-06-30 | 9.2 M |
LendingClub Fundamentals
| Return On Equity | 0.0955 | ||||
| Return On Asset | 0.01 | ||||
| Profit Margin | 0.10 % | ||||
| Operating Margin | 0.14 % | ||||
| Current Valuation | 971.01 M | ||||
| Shares Outstanding | 115.18 M | ||||
| Shares Owned By Insiders | 2.97 % | ||||
| Shares Owned By Institutions | 84.60 % | ||||
| Number Of Shares Shorted | 4.75 M | ||||
| Price To Earning | 3.90 X | ||||
| Price To Book | 1.25 X | ||||
| Price To Sales | 1.40 X | ||||
| Revenue | 1.33 B | ||||
| Gross Profit | 450.39 M | ||||
| EBITDA | 369.9 M | ||||
| Net Income | 135.68 M | ||||
| Cash And Equivalents | 905.9 M | ||||
| Cash Per Share | 9.07 X | ||||
| Total Debt | 10.07 B | ||||
| Debt To Equity | 0.11 % | ||||
| Book Value Per Share | 13.01 X | ||||
| Cash Flow From Operations | (2.73 B) | ||||
| Short Ratio | 1.99 X | ||||
| Earnings Per Share | 1.16 X | ||||
| Price To Earnings To Growth | (18.14) X | ||||
| Target Price | 24.2 | ||||
| Number Of Employees | 1.07 K | ||||
| Beta | 2.1 | ||||
| Market Capitalization | 1.87 B | ||||
| Total Asset | 11.57 B | ||||
| Retained Earnings | (201.8 M) | ||||
| Net Asset | 11.57 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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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 3.296 | Earnings Share 1.16 | Revenue Per Share | Quarterly Revenue Growth 0.122 | Return On Assets |
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.