Fundamentals Overview
LendingClub Corporation is in the middle of its 52-week range with attractive valuation, trending upward today.
Valuation attractive
Intrinsic value (DCF)
-35.1% downside vs price
Profitability
Risk (Beta)
1.95 — higher vol
Earnings & growth
BullzEye Analysis
Our composite tilts Sell on technicals (e.g. RSI, ADX, trend), fundamentals, sentiment, sector and index context, and risk.
Composite Signal
Supporting (Buy):
Analyst grade: B- · Sentiment improving (2 upgrades)
Pressures (Sell):
DCF 35.1% downside vs price · 3M vs S&P 500: -18.3% · 3M vs Financial Services sector: -11.9% · Beta 1.95 (elevated)
Not financial advice. For education and research only; do your own research and consider a financial advisor before investing.
Key Stats
About
Ratings & Grades at a Glance
Overall rating: B-. Recent institutional grades: majority upgrades. Current institutional positions: Buy: 7, Market Outperform: 1, Market Perform: 2, Neutral: 3, Outperform: 8, Overweight: 9.
Valuation & Ratios
Valuation, liquidity, and profitability metrics are consolidated here (including ratios that previously appeared in the Financials story). Trailing (TTM) vs forward-looking (e.g. DCF) is noted on each line where it matters.
DCF vs price: DCF estimate is $10.75; current price is $16.56. That’s a -35.1% gap. When the gap is large (e.g. >20%), that’s divergence; when they’re close, that’s convergence. Differences can reflect growth expectations, sector premiums, or conservative vs. optimistic assumptions. Use DCF as one input alongside technicals and sentiment.
| Metric | Value |
|---|---|
| Valuation | |
| P/E (TTM) | 14.51 |
| DCF value (model) | $10.75 (-35.1% vs price) |
| PEG (TTM) | 0.09 |
| P/B (TTM) | 1.27 |
| P/S (TTM) | 1.43 |
| Liquidity & enterprise | |
| Current Ratio (TTM) | 466.38 |
| Quick Ratio (TTM) | 466.38 |
| Cash Ratio (TTM) | 1.47 |
| Profitability | |
| ROE (TTM) | N/A |
| ROA (TTM) | N/A |
| Revenue growth (YoY) | N/A |
| Net margin (TTM) | 10.17% |
| Gross margin (TTM) | 64.03% |
| Operating margin (TTM) | 16.79% |
| Debt to equity (TTM) | N/A |
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Price Target, Ratings & Grades
Analyst price targets, consensus, rating snapshot, and institutional grades for LC.
Analyst Sentiment at a Glance
Stock Grades (Institutions)
| Institution | Action | Previous Grade | New Grade | Date |
|---|---|---|---|---|
| BTIG | maintain | Buy | Buy | 2026-01-29 |
| JP Morgan | maintain | Overweight | Overweight | 2025-12-04 |
| Citizens | upgrade | Market Perform | Market Outperform | 2025-11-10 |
| Keefe, Bruyette & Woods | maintain | Outperform | Outperform | 2025-11-07 |
| Janney Montgomery Scott | maintain | Neutral | Neutral | 2025-11-06 |
| BTIG | maintain | Buy | Buy | 2025-11-06 |
| Keefe, Bruyette & Woods | maintain | Outperform | Outperform | 2025-10-23 |
| BTIG | maintain | Buy | Buy | 2025-10-23 |
| Piper Sandler | maintain | Overweight | Overweight | 2025-10-23 |
| JP Morgan | upgrade | Neutral | Overweight | 2025-10-23 |
| Piper Sandler | maintain | Overweight | Overweight | 2025-07-30 |
| Keefe, Bruyette & Woods | maintain | Outperform | Outperform | 2025-07-30 |
| Keefe, Bruyette & Woods | maintain | Outperform | Outperform | 2025-04-30 |
| JP Morgan | maintain | Neutral | Neutral | 2025-03-10 |
| Piper Sandler | maintain | Overweight | Overweight | 2025-01-29 |
| Keefe, Bruyette & Woods | maintain | Outperform | Outperform | 2025-01-29 |
| Piper Sandler | maintain | Overweight | Overweight | 2025-01-03 |
| Keefe, Bruyette & Woods | maintain | Outperform | Outperform | 2024-12-04 |
| JP Morgan | downgrade | Overweight | Neutral | 2024-12-02 |
| Maxim Group | maintain | Buy | Buy | 2024-10-25 |
| Compass Point | maintain | Buy | Buy | 2024-10-25 |
| Piper Sandler | maintain | Overweight | Overweight | 2024-10-24 |
| Wedbush | maintain | Outperform | Outperform | 2024-10-24 |
| JP Morgan | maintain | Overweight | Overweight | 2024-08-20 |
| Wedbush | maintain | Outperform | Outperform | 2024-07-31 |
| Piper Sandler | maintain | Overweight | Overweight | 2024-07-31 |
| Compass Point | maintain | Buy | Buy | 2024-07-31 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2024-07-31 |
| Jefferies | maintain | Buy | Buy | 2024-07-18 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2024-05-01 |