LendingClub Statistics
Total Valuation
LendingClub has a market cap or net worth of $2.15 billion. The enterprise value is $1.43 billion.
| Market Cap | 2.15B |
| Enterprise Value | 1.43B |
Important Dates
The next estimated earnings date is Monday, July 27, 2026.
| Earnings Date | Jul 27, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
LendingClub has 115.35 million shares outstanding. The number of shares has increased by 2.64% in one year.
| Current Share Class | 115.35M |
| Shares Outstanding | 115.35M |
| Shares Change (YoY) | +2.64% |
| Shares Change (QoQ) | -1.28% |
| Owned by Insiders (%) | 3.49% |
| Owned by Institutions (%) | 84.37% |
| Float | 111.32M |
Valuation Ratios
The trailing PE ratio is 12.47 and the forward PE ratio is 10.48.
| PE Ratio | 12.47 |
| Forward PE | 10.48 |
| PS Ratio | 1.61 |
| Forward PS | n/a |
| PB Ratio | 1.46 |
| P/TBV Ratio | 1.61 |
| P/FCF Ratio | n/a |
| P/OCF Ratio | n/a |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 8.12 |
| EV / Sales | 1.04 |
| EV / EBITDA | 4.86 |
| EV / EBIT | 6.24 |
| EV / FCF | n/a |
Financial Position
The company has a current ratio of 2.76, with a Debt / Equity ratio of 0.01.
| Current Ratio | 2.76 |
| Quick Ratio | 1.93 |
| Debt / Equity | 0.01 |
| Debt / EBITDA | 0.04 |
| Debt / FCF | n/a |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 12.16% and return on invested capital (ROIC) is 26.35%.
| Return on Equity (ROE) | 12.16% |
| Return on Assets (ROA) | 1.27% |
| Return on Invested Capital (ROIC) | 26.35% |
| Return on Capital Employed (ROCE) | 2.36% |
| Weighted Average Cost of Capital (WACC) | 15.02% |
| Revenue Per Employee | $1.28M |
| Profits Per Employee | $163,357 |
| Employee Count | 1,075 |
| Asset Turnover | 0.12 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, LendingClub has paid $52.97 million in taxes.
| Income Tax | 52.97M |
| Effective Tax Rate | 23.17% |
Stock Price Statistics
The stock price has increased by +74.64% in the last 52 weeks. The beta is 1.97, so LendingClub's price volatility has been higher than the market average.
| Beta (5Y) | 1.97 |
| 52-Week Price Change | +74.64% |
| 50-Day Moving Average | 16.89 |
| 200-Day Moving Average | 17.02 |
| Relative Strength Index (RSI) | 64.23 |
| Average Volume (20 Days) | 2,069,057 |
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) | n/a |
Income Statement
In the last 12 months, LendingClub had revenue of $1.37 billion and earned $175.61 million in profits. Earnings per share was $1.50.
| Revenue | 1.37B |
| Gross Profit | 532.47M |
| Operating Income | 228.58M |
| Pretax Income | 228.58M |
| Net Income | 175.61M |
| EBITDA | 293.38M |
| EBIT | 228.58M |
| Earnings Per Share (EPS) | $1.50 |
Balance Sheet
The company has $801.94 million in cash and $12.48 million in debt, with a net cash position of $789.46 million or $6.84 per share.
| Cash & Cash Equivalents | 801.94M |
| Total Debt | 12.48M |
| Net Cash | 789.46M |
| Net Cash Per Share | $6.84 |
| Equity (Book Value) | 1.52B |
| Book Value Per Share | 13.19 |
| Working Capital | 3.93B |
Cash Flow
In the last 12 months, operating cash flow was -$3.01 billion and capital expenditures -$153.06 million, giving a free cash flow of -$3.16 billion.
| Operating Cash Flow | -3.01B |
| Capital Expenditures | -153.06M |
| Depreciation & Amortization | 64.80M |
| Net Borrowing | n/a |
| Free Cash Flow | -3.16B |
| FCF Per Share | -$27.39 |
Margins
Gross margin is 38.81%, with operating and profit margins of 16.66% and 12.80%.
| Gross Margin | 38.81% |
| Operating Margin | 16.66% |
| Pretax Margin | 16.66% |
| Profit Margin | 12.80% |
| EBITDA Margin | 21.38% |
| EBIT Margin | 16.66% |
| 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 | -2.64% |
| Shareholder Yield | -2.64% |
| Earnings Yield | 7.92% |
| FCF Yield | -142.59% |
Analyst Forecast
The average price target for LendingClub is $23.25, which is 24.53% higher than the current price. The consensus rating is "Buy".
| Price Target | $23.25 |
| Price Target Difference | 24.53% |
| Analyst Consensus | Buy |
| Analyst Count | 10 |
| Revenue Growth Forecast (3Y) | 1.38% |
| EPS Growth Forecast (3Y) | 42.84% |
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 1:5.
| Last Split Date | Jul 8, 2019 |
| Split Type | Reverse |
| Split Ratio | 1:5 |
Scores
LendingClub has an Altman Z-Score of 0.65 and a Piotroski F-Score of 4. A Z-score under 3 suggests an increased risk of bankruptcy.
| Altman Z-Score | 0.65 |
| Piotroski F-Score | 4 |