Lendingclub Corp Stock Net Income
| LC Stock | USD 19.56 1.25 6.01% |
As of the 28th of January, LendingClub Corp secures the Downside Deviation of 2.8, risk adjusted performance of 0.1, and Mean Deviation of 2.44. 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 2.547 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 59 M | 62 M | |
| Net Income From Continuing Ops | 59 M | 62 M | |
| Net Income Applicable To Common Shares | 59 M | 62 M | |
| Net Income Per Share | 0.41 | 0.43 | |
| Net Income Per E B T | 0.91 | 1.28 |
LendingClub | Net Income | Build AI portfolio with LendingClub Stock |
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 51.33 M | 10 Years Trend |
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Net Income |
| Timeline |
LendingClub Net Income Regression Statistics
| Arithmetic Mean | (711,455,972) | |
| Geometric Mean | 59,166,386 | |
| Coefficient Of Variation | (406.04) | |
| Mean Deviation | 1,317,879,533 | |
| Median | (11,944,000) | |
| Standard Deviation | 2,888,768,283 | |
| Sample Variance | 8344982.2T | |
| Range | 12.2B | |
| R-Value | 0.42 | |
| Mean Square Error | 7324372.6T | |
| R-Squared | 0.18 | |
| Significance | 0.09 | |
| Slope | 240,781,643 | |
| Total Sum of Squares | 133519715.1T |
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
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 1.868 | Earnings Share 0.89 | Revenue Per Share | Quarterly Revenue Growth 0.158 | 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.
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.
| 10/30/2025 |
| 01/28/2026 |
If you would invest 0.00 in LendingClub Corp on October 30, 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.
| Downside Deviation | 2.8 | |||
| Information Ratio | 0.1006 | |||
| Maximum Drawdown | 16.56 | |||
| Value At Risk | (4.44) | |||
| Potential Upside | 5.96 |
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 | 0.1 | |||
| Jensen Alpha | 0.2155 | |||
| Total Risk Alpha | 0.0901 | |||
| Sortino Ratio | 0.1147 | |||
| Treynor Ratio | 0.1548 |
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 January 28, 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 | 0.1 | |||
| Market Risk Adjusted Performance | 0.1648 | |||
| Mean Deviation | 2.44 | |||
| Semi Deviation | 2.59 | |||
| Downside Deviation | 2.8 | |||
| Coefficient Of Variation | 797.19 | |||
| Standard Deviation | 3.19 | |||
| Variance | 10.16 | |||
| Information Ratio | 0.1006 | |||
| Jensen Alpha | 0.2155 | |||
| Total Risk Alpha | 0.0901 | |||
| Sortino Ratio | 0.1147 | |||
| Treynor Ratio | 0.1548 | |||
| Maximum Drawdown | 16.56 | |||
| Value At Risk | (4.44) | |||
| Potential Upside | 5.96 | |||
| Downside Variance | 7.81 | |||
| Semi Variance | 6.69 | |||
| Expected Short fall | (2.76) | |||
| Skewness | 0.4601 | |||
| Kurtosis | 0.8649 |
LendingClub Corp Backtested Returns
LendingClub Corp appears to be not too volatile, given 3 months investment horizon. LendingClub Corp has Sharpe Ratio of 0.13, which conveys that the firm had a 0.13 % return per unit of risk over the last 3 months. We have found twenty-seven technical indicators for LendingClub Corp, which you can use to evaluate the volatility of the firm. Please exercise LendingClub Corp's Downside Deviation of 2.8, mean deviation of 2.44, and Risk Adjusted Performance of 0.1 to check out if our risk estimates are consistent with your expectations. On a scale of 0 to 100, LendingClub Corp holds a performance score of 10. The company secures a Beta (Market Risk) of 2.52, 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. Please check LendingClub Corp's semi variance, day typical price, and the relationship between the value at risk and kurtosis , to make a quick decision on whether LendingClub Corp's current price movements will revert.
Auto-correlation | 0.35 |
Below average predictability
LendingClub Corp has below average predictability. Overlapping area represents the amount of predictability between LendingClub Corp time series from 30th of October 2025 to 14th of December 2025 and 14th of December 2025 to 28th of January 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 0.35 indicates that nearly 35.0% of current LendingClub Corp price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.35 | |
| Spearman Rank Test | 0.49 | |
| Residual Average | 0.0 | |
| Price Variance | 0.51 |
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 51.33 M. This is 95.98% lower than that of the Consumer Finance sector and 96.24% lower than that of the Financials industry. The net income for all United States stocks is 91.01% 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 | 2.1B | 1.8B | |
| Enterprise Value | 2.1B | 64.4M | (247.3M) | 883.4M | 1.0B | 965.1M |
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 purchase 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 | 2025-06-30 | 11.7 M | Blackrock Inc | 2025-06-30 | 9.2 M |
LendingClub Fundamentals
| Return On Equity | 0.074 | ||||
| Return On Asset | 0.0078 | ||||
| Profit Margin | 0.08 % | ||||
| Operating Margin | 0.16 % | ||||
| Current Valuation | 1.59 B | ||||
| Shares Outstanding | 115.3 M | ||||
| Shares Owned By Insiders | 2.88 % | ||||
| Shares Owned By Institutions | 83.85 % | ||||
| Number Of Shares Shorted | 3.39 M | ||||
| Price To Earning | 3.90 X | ||||
| Price To Book | 1.64 X | ||||
| Price To Sales | 1.85 X | ||||
| Revenue | 1.16 B | ||||
| Gross Profit | 385.77 M | ||||
| EBITDA | 118.37 M | ||||
| Net Income | 51.33 M | ||||
| Cash And Equivalents | 938.53 M | ||||
| Cash Per Share | 9.07 X | ||||
| Total Debt | 28.5 M | ||||
| Debt To Equity | 0.11 % | ||||
| Book Value Per Share | 12.68 X | ||||
| Cash Flow From Operations | (2.63 B) | ||||
| Short Ratio | 2.12 X | ||||
| Earnings Per Share | 0.89 X | ||||
| Price To Earnings To Growth | (18.14) X | ||||
| Target Price | 24.2 | ||||
| Number Of Employees | 1 K | ||||
| Beta | 2.09 | ||||
| Market Capitalization | 2.4 B | ||||
| Total Asset | 10.63 B | ||||
| Retained Earnings | (337.48 M) | ||||
| Net Asset | 10.63 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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Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.| HITI | High Tide | |
| HITI | High Tide | |
| BAC | Bank of America |
Check out LendingClub Corp Piotroski F Score and LendingClub Corp Altman Z Score analysis. For information on how to trade LendingClub Stock refer to our How to Trade LendingClub Stock guide.You can also try the Instant Ratings module to determine any equity ratings based on digital recommendations. Macroaxis instant equity ratings are based on combination of fundamental analysis and risk-adjusted market performance.
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 1.868 | Earnings Share 0.89 | Revenue Per Share | Quarterly Revenue Growth 0.158 | 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.