LendingClub Corporation (FRA:8LCA)

LendingClub Statistics

Total Valuation

LendingClub has a market cap or net worth of EUR 1.78 billion. The enterprise value is 1.08 billion.

Market Cap	1.78B
Enterprise Value	1.08B

Important Dates

The next estimated earnings date is Friday, January 30, 2026.

Earnings Date	Jan 30, 2026
Ex-Dividend Date	n/a

Share Statistics

Current Share Class	115.30M
Shares Outstanding	n/a
Shares Change (YoY)	+4.58%
Shares Change (QoQ)	+2.16%
Owned by Insiders (%)	2.97%
Owned by Institutions (%)	84.63%
Float	111.88M

Valuation Ratios

The trailing PE ratio is 20.09 and the forward PE ratio is 12.40.

PE Ratio	20.09
Forward PE	12.40
PS Ratio	1.61
PB Ratio	1.43
P/TBV Ratio	1.59
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 5.66, with an EV/FCF ratio of -0.59.

EV / Earnings	12.24
EV / Sales	0.97
EV / EBITDA	5.66
EV / EBIT	9.12
EV / FCF	-0.59

Financial Position

The company has a current ratio of 15.42, with a Debt / Equity ratio of 0.01.

Current Ratio	15.42
Quick Ratio	12.36
Debt / Equity	0.01
Debt / EBITDA	0.09
Debt / FCF	-0.01
Interest Coverage	15,336.51

Financial Efficiency

Return on equity (ROE) is 7.40% and return on invested capital (ROIC) is 6.04%.

Return on Equity (ROE)	7.40%
Return on Assets (ROA)	0.78%
Return on Invested Capital (ROIC)	6.04%
Return on Capital Employed (ROCE)	1.29%
Revenue Per Employee	1.10M
Profits Per Employee	88,329
Employee Count	1,002
Asset Turnover	0.12
Inventory Turnover	n/a

Taxes

In the past 12 months, LendingClub has paid 29.13 million in taxes.

Income Tax	29.13M
Effective Tax Rate	24.77%

Stock Price Statistics

The stock price has decreased by -2.23% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	-2.23%
50-Day Moving Average	14.41
200-Day Moving Average	11.71
Relative Strength Index (RSI)	55.78
Average Volume (20 Days)	4

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	3.32

Income Statement

In the last 12 months, LendingClub had revenue of EUR 1.10 billion and earned 88.51 million in profits. Earnings per share was 0.76.

Revenue	1.10B
Gross Profit	328.79M
Operating Income	117.65M
Pretax Income	117.64M
Net Income	88.51M
EBITDA	173.89M
EBIT	117.65M
Earnings Per Share (EPS)	0.76

Balance Sheet

The company has 705.18 million in cash and 16.30 million in debt, giving a net cash position of 688.88 million.

Cash & Cash Equivalents	705.18M
Total Debt	16.30M
Net Cash	688.88M
Net Cash Per Share	n/a
Equity (Book Value)	1.25B
Book Value Per Share	10.81
Working Capital	4.94B

Cash Flow

In the last 12 months, operating cash flow was -1.71 billion and capital expenditures -121.01 million, giving a free cash flow of -1.83 billion.

Operating Cash Flow	-1.71B
Capital Expenditures	-121.01M
Free Cash Flow	-1.83B
FCF Per Share	n/a

Margins

Gross margin is 29.76%, with operating and profit margins of 10.65% and 8.01%.

Gross Margin	29.76%
Operating Margin	10.65%
Pretax Margin	10.65%
Profit Margin	8.01%
EBITDA Margin	15.74%
EBIT Margin	10.65%
FCF Margin	n/a

Dividends & Yields

LendingClub does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	-4.58%
Shareholder Yield	-4.58%
Earnings Yield	4.98%
FCF Yield	-103.07%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on July 8, 2019. It was a reverse split with a ratio of 0.2.

Last Split Date	Jul 8, 2019
Split Type	Reverse
Split Ratio	0.2

Scores

LendingClub has an Altman Z-Score of 0.85 and a Piotroski F-Score of 5. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score	0.85
Piotroski F-Score	5