Lendingclub Corp Stock Working Capital

LC Stock

USD 16.34 0.24 1.45%

LendingClub Corp fundamentals help investors to digest information that contributes to LendingClub Corp's financial success or failures. It also enables traders to predict the movement of LendingClub Stock. The fundamental analysis module provides a way to measure LendingClub Corp's intrinsic value by examining its available economic and financial indicators, including the cash flow records, the balance sheet account changes, the income statement patterns, and various microeconomic indicators and financial ratios related to LendingClub Corp stock.

		Last Reported	Projected for Next Year
	Change In Working Capital	-32.9 M	-31.2 M

The current year's Change In Working Capital is expected to grow to about (31.2 M).

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LendingClub Corp Company Working Capital Analysis

LendingClub Corp's Working Capital is a measure of company efficiency and operating liquidity. The working capital is usually calculated by subtracting Current Liabilities from Current Assets. It is an important indicator of the firm ability to continue its normal operations without additional debt obligations. .

Working Capital

Current Assets

-

Current Liabilities

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LendingClub Working Capital 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 Working Capital. 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.

	Total Assets	Total Stockholder Equity	Current Deferred Revenue	Net Debt	Retained Earnings	Accounts Payable	Net Receivables	Total Liab	Total Current Assets	Common Stock	Net Tangible Assets	Long Term Debt	Long Term Debt Total	Short Term Debt	Property Plant Equipment	Good Will	Short Term Investments	Capital Surpluse	Deferred Long Term Liab	Long Term Investments	Treasury Stock	Intangible Assets	Cash And Equivalents	Net Invested Capital	Short Long Term Debt	Capital Stock
Total Assets		0.96	0.8	-0.87	-0.93	0.96	0.27	0.99	0.99	0.94	-0.15	-0.25	-0.24	-0.19	-0.07	-0.13	0.12	-0.17	-0.15	-0.17	0.14	-0.12	0.2	0.02	-0.11	0.04
Total Stockholder Equity	0.96		0.91	-0.88	-0.99	0.99	0.22	0.91	0.98	0.99	-0.29	-0.23	-0.22	-0.1	-0.26	-0.24	-0.1	-0.3	-0.24	-0.16	0.24	-0.18	-0.04	0.15	0.07	0.15
Current Deferred Revenue	0.8	0.91		-0.72	-0.93	0.88	0.1	0.7	0.82	0.94	-0.52	-0.03	-0.02	-0.03	-0.56	-0.51	-0.38	-0.57	-0.4	-0.02	0.47	-0.42	-0.36	0.53	0.43	0.49
Net Debt	-0.87	-0.88	-0.72		0.9	-0.91	-0.09	-0.83	-0.92	-0.87	0.41	0.64	0.63	0.19	0.2	0.22	-0.06	0.34	0.34	0.42	-0.22	0.12	-0.23	0.12	0.2	0.1
Retained Earnings	-0.93	-0.99	-0.93	0.9		-0.99	-0.19	-0.86	-0.96	-1.0	0.4	0.27	0.27	0.1	0.34	0.32	0.17	0.39	0.3	0.19	-0.29	0.22	0.09	-0.19	-0.1	-0.18
Accounts Payable	0.96	0.99	0.88	-0.91	-0.99		0.28	0.91	0.97	0.98	-0.32	-0.27	-0.28	-0.17	-0.26	-0.23	-0.12	-0.31	-0.25	-0.23	0.22	-0.09	0.0	0.1	-0.01	0.11
Net Receivables	0.27	0.22	0.1	-0.09	-0.19	0.28		0.29	0.2	0.2	0.22	0.15	0.08	-0.1	0.22	0.15	0.0	0.3	0.45	0.07	-0.36	0.33	-0.04	-0.15	-0.19	-0.09
Total Liab	0.99	0.91	0.7	-0.83	-0.86	0.91	0.29		0.96	0.87	-0.05	-0.25	-0.24	-0.23	0.04	-0.05	0.25	-0.08	-0.08	-0.16	0.07	-0.08	0.33	-0.07	-0.22	-0.02
Total Current Assets	0.99	0.98	0.82	-0.92	-0.96	0.97	0.2	0.96		0.95	-0.25	-0.32	-0.31	-0.18	-0.14	-0.18	0.11	-0.25	-0.23	-0.2	0.2	-0.2	0.17	0.04	-0.09	0.05
Common Stock	0.94	0.99	0.94	-0.87	-1.0	0.98	0.2	0.87	0.95		-0.39	-0.2	-0.19	-0.14	-0.37	-0.32	-0.18	-0.4	-0.31	-0.15	0.32	-0.24	-0.11	0.25	0.13	0.24
Net Tangible Assets	-0.15	-0.29	-0.52	0.41	0.4	-0.32	0.22	-0.05	-0.25	-0.39		0.28	0.28	0.22	0.81	0.8	0.46	0.95	0.73	0.28	-0.7	0.51	0.31	-0.52	-0.3	-0.48
Long Term Debt	-0.25	-0.23	-0.03	0.64	0.27	-0.27	0.15	-0.25	-0.32	-0.2	0.28		0.99	-0.02	-0.13	0.04	-0.3	0.1	0.17	0.55	0.09	-0.06	-0.45	0.56	0.45	0.55
Long Term Debt Total	-0.24	-0.22	-0.02	0.63	0.27	-0.28	0.08	-0.24	-0.31	-0.19	0.28	0.99		-0.01	-0.12	0.01	-0.27	0.08	0.16	0.6	0.1	-0.12	-0.44	0.59	0.48	0.57
Short Term Debt	-0.19	-0.1	-0.03	0.19	0.1	-0.17	-0.1	-0.23	-0.18	-0.14	0.22	-0.02	-0.01		0.28	0.03	-0.11	0.29	0.35	0.25	-0.4	-0.09	-0.45	-0.1	0.54	-0.21
Property Plant Equipment	-0.07	-0.26	-0.56	0.2	0.34	-0.26	0.22	0.04	-0.14	-0.37	0.81	-0.13	-0.12	0.28		0.61	0.72	0.88	0.78	0.15	-0.88	0.39	0.55	-0.76	-0.5	-0.72
Good Will	-0.13	-0.24	-0.51	0.22	0.32	-0.23	0.15	-0.05	-0.18	-0.32	0.8	0.04	0.01	0.03	0.61		0.43	0.81	0.41	-0.14	-0.46	0.62	0.37	-0.67	-0.47	-0.72
Short Term Investments	0.12	-0.1	-0.38	-0.06	0.17	-0.12	0.0	0.25	0.11	-0.18	0.46	-0.3	-0.27	-0.11	0.72	0.43		0.47	0.29	-0.02	-0.38	-0.06	0.84	-0.58	-0.6	-0.54
Capital Surpluse	-0.17	-0.3	-0.57	0.34	0.39	-0.31	0.3	-0.08	-0.25	-0.4	0.95	0.1	0.08	0.29	0.88	0.81	0.47		0.79	0.18	-0.83	0.6	0.32	-0.7	-0.41	-0.66
Deferred Long Term Liab	-0.15	-0.24	-0.4	0.34	0.3	-0.25	0.45	-0.08	-0.23	-0.31	0.73	0.17	0.16	0.35	0.78	0.41	0.29	0.79		0.25	-0.81	0.35	0.08	-0.41	-0.17	-0.37
Long Term Investments	-0.17	-0.16	-0.02	0.42	0.19	-0.23	0.07	-0.16	-0.2	-0.15	0.28	0.55	0.6	0.25	0.15	-0.14	-0.02	0.18	0.25		-0.29	-0.3	-0.29	0.37	0.43	0.35
Treasury Stock	0.14	0.24	0.47	-0.22	-0.29	0.22	-0.36	0.07	0.2	0.32	-0.7	0.09	0.1	-0.4	-0.88	-0.46	-0.38	-0.83	-0.81	-0.29		-0.48	-0.23	0.67	0.33	0.65
Intangible Assets	-0.12	-0.18	-0.42	0.12	0.22	-0.09	0.33	-0.08	-0.2	-0.24	0.51	-0.06	-0.12	-0.09	0.39	0.62	-0.06	0.6	0.35	-0.3	-0.48		0.21	-0.63	-0.55	-0.55
Cash And Equivalents	0.2	-0.04	-0.36	-0.23	0.09	0.0	-0.04	0.33	0.17	-0.11	0.31	-0.45	-0.44	-0.45	0.55	0.37	0.84	0.32	0.08	-0.29	-0.23	0.21		-0.64	-0.86	-0.53
Net Invested Capital	0.02	0.15	0.53	0.12	-0.19	0.1	-0.15	-0.07	0.04	0.25	-0.52	0.56	0.59	-0.1	-0.76	-0.67	-0.58	-0.7	-0.41	0.37	0.67	-0.63	-0.64		0.76	0.95
Short Long Term Debt	-0.11	0.07	0.43	0.2	-0.1	-0.01	-0.19	-0.22	-0.09	0.13	-0.3	0.45	0.48	0.54	-0.5	-0.47	-0.6	-0.41	-0.17	0.43	0.33	-0.55	-0.86	0.76		0.62
Capital Stock	0.04	0.15	0.49	0.1	-0.18	0.11	-0.09	-0.02	0.05	0.24	-0.48	0.55	0.57	-0.21	-0.72	-0.72	-0.54	-0.66	-0.37	0.35	0.65	-0.55	-0.53	0.95	0.62

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Working Capital can be positive or negative, depending on how much of current debt the company is carrying on its balance sheet. In general terms, companies that have a lot of working capital will experience more growth in the near future since they can expand and improve their operations using existing resources. On the other hand, companies with small or negative working capital may lack the funds necessary for growth or future operation. Working Capital also shows if the company has sufficient liquid resources to satisfy short-term liabilities and operational expenses.

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Predict LendingClub Corp

Working Capital Over Time

LendingClub Capital Surpluse

Capital Surpluse

1.24 Billion

At present, LendingClub Corp's Capital Surpluse is projected to increase significantly based on the last few years of reporting.

Based on the company's disclosures, LendingClub Corp has a Working Capital of 0.0. This is 100.0% lower than that of the Consumer Finance sector and 100.0% lower than that of the Financials industry. The working capital for all United States stocks is 100.0% higher than that of the company.

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.

	2019	2020	2021	2022	2023	2024 (projected)
Market Cap	1.1B	955.0M	2.4B	911.2M	948.0M	900.6M
Enterprise Value	2.7B	1.4B	2.1B	(2.4M)	(247.3M)	(234.9M)

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	878.82 M
	Shares Outstanding	112.4 M
	Shares Owned By Insiders	3.12 %
	Shares Owned By Institutions	76.37 %
	Number Of Shares Shorted	3.5 M
	Price To Earning	3.90 X
	Price To Book	1.39 X
	Price To Sales	1.68 X
	Revenue	864.62 M
	Gross Profit	536.37 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	1.83 X
	Earnings Per Share	0.46 X
	Price To Earnings To Growth	(18.14) X
	Target Price	15.6
	Number Of Employees	1.02 K
	Beta	2.02
	Market Capitalization	1.86 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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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

1.81

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.

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Lendingclub Corp Stock Working Capital

LendingClub Corp Company Working Capital Analysis

Working Capital

Current Assets

-

Current Liabilities

LendingClub Working Capital Driver Correlations

LendingClub Capital Surpluse

Capital Surpluse

1.24 Billion

LendingClub Corp Current Valuation Drivers

LendingClub Corp ESG Sustainability

LendingClub Fundamentals

About LendingClub Corp Fundamental Analysis

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