LendingClub Valuation
| 8LCA Stock | EUR 14.94 0.12 0.81% |
At this time, the firm appears to be undervalued. LendingClub secures a last-minute Real Value of €16.26 per share. The latest price of the firm is €14.94. Our model forecasts the value of LendingClub from analyzing the firm fundamentals such as Return On Equity of 0.29, current valuation of 3.34 B, and Profit Margin of 0.23 % as well as examining its technical indicators and probability of bankruptcy.
Undervalued
Today
Please note that LendingClub's price fluctuation is not too volatile at this time. Calculation of the real value of LendingClub is based on 3 months time horizon. Increasing LendingClub's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
The fair value of the LendingClub stock is determined by what a typical buyer is willing to pay for full or partial control of LendingClub. Since LendingClub is currently traded on the exchange, buyers and sellers on that exchange determine the market value of LendingClub Stock. However, LendingClub'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 14.94 | Real 16.26 | Hype 14.94 | Naive 15.47 |
The real value of LendingClub Stock, also known as its intrinsic value, is the underlying worth of LendingClub Company, which is reflected in its stock price. It is based on LendingClub's financial performance, growth prospects, management team, or industry conditions. The intrinsic value of LendingClub'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 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 more accurately as focusing exclusively on LendingClub's fundamentals will not take into account other important factors: LendingClub Total Value Analysis
LendingClub is presently forecasted to have takeover price of 3.34 B with market capitalization of 989.52 M, debt of 63.51 M, and cash on hands of 831.8 M. Please note that takeover price may be misleading and is a subject to mistakes in financial statements. We encourage investors to thoroughly investigate all of the LendingClub fundamentals before making investing decisions based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
3.34 B | 989.52 M | 63.51 M | 831.8 M |
LendingClub Investor Information
About 85.0% of the company shares are owned by institutions such as pension funds. The company has Price-to-Book (P/B) ratio of 0.89. In the past many companies with similar price-to-book ratios have beat the market. LendingClub had not issued any dividends in recent years. The entity had 1:5 split on the 8th of July 2019. Based on the measurements of operating efficiency obtained from LendingClub's historical financial statements, LendingClub is not in a good financial situation at the moment. It has a very high risk of going through financial straits in January.LendingClub Asset Utilization
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. LendingClub has an asset utilization ratio of 14.62 percent. This implies that the Company is making €0.15 for each dollar of assets. An increasing asset utilization means that LendingClub is more efficient with each dollar of assets it utilizes for everyday operations.LendingClub Ownership Allocation
LendingClub maintains a total of 106.57 Million outstanding shares. The majority of LendingClub outstanding shares are owned by institutional investors. These third-party entities are usually referred to as non-private investors looking to shop for positions in LendingClub to benefit from reduced commissions. Consequently, institutional holders are subject to a different set of regulations than regular investors in LendingClub. Please pay attention to any change in the institutional holdings of LendingClub as this could imply that something significant has changed or is about to change at the company. Please note that no matter how many assets the company has, if the real value of the firm is less than the current market value, you may not be able to make money on it.LendingClub Profitability Analysis
The company reported the revenue of 1.17 B. Net Income was 289.69 M with profit before overhead, payroll, taxes, and interest of 536.37 M.Please note that valuation analysis is one of the essential comprehensive assessments in business. It evaluates LendingClub's worth, which you can determine by considering its current assets, liabilities and future cash flows. The investors' valuation analysis is an important metric that will give you a perspective on different companies. It helps you know the worth of the potential investment in LendingClub and how it compares across the competition.
About LendingClub Valuation
The stock valuation mechanism determines LendingClub's current worth on a weekly basis. Our valuation model uses a comparative analysis of LendingClub. We calculate exposure to LendingClub's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of LendingClub's related companies.LendingClub Corporation, operates as a bank holding company for LendingClub Bank, National Association that provides range of financial products and services through a technology-driven platform in the United States. The company was incorporated in 2006 and is headquartered in San Francisco, California. LENDINGCLUB CORP operates under Credit Services classification in Germany and is traded on Frankfurt Stock Exchange. It employs 1192 people.
8 Steps to conduct LendingClub's Valuation Analysis
Company's valuation is the process of determining the worth of any company in monetary terms. It estimates LendingClub's potential worth based on factors such as financial performance, market conditions, growth prospects, and overall economic environment. The result of company valuation is a single number representing a Company's current market value. This value can be used as a benchmark for various financial transactions such as mergers and acquisitions, initial public offerings (IPOs), or private equity investments. To conduct LendingClub's valuation analysis, follow these 8 steps:- Gather financial information: Obtain LendingClub's financial statements, including balance sheets, income statements, and cash flow statements.
- Determine LendingClub's revenue streams: Identify LendingClub's primary sources of revenue, including products or services offered, target markets, and pricing strategies.
- Analyze market data: Research LendingClub's industry and market trends, including the size of the market, growth rate, and competition.
- Establish LendingClub's growth potential: Evaluate LendingClub's management, business model, and growth potential.
- Determine LendingClub's financial performance: Analyze its financial statements to assess its historical performance and future potential.
- Choose a valuation method: Consider the Company's specific circumstances and choose an appropriate valuation method, such as the discounted cash flow (DCF) or comparable analysis method.
- Calculate the value: Apply the chosen valuation method to the financial information and market data to calculate LendingClub's estimated value.
- Review and adjust: Review the results and make necessary adjustments, considering any relevant factors that may have been missed or overlooked.
Complementary Tools for LendingClub Stock analysis
When running LendingClub's price analysis, check to measure LendingClub's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy LendingClub is operating at the current time. Most of LendingClub's value examination focuses on studying past and present price action to predict the probability of LendingClub's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move LendingClub's price. Additionally, you may evaluate how the addition of LendingClub to your portfolios can decrease your overall portfolio volatility.
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