LendingClub Statistics
Total Valuation
LendingClub has a market cap or net worth of $2.09 billion. The enterprise value is $1.28 billion.
Important Dates
The last earnings date was Wednesday, October 22, 2025, after market close.
| Earnings Date | Oct 22, 2025 |
| Ex-Dividend Date | n/a |
Share Statistics
LendingClub has 115.30 million shares outstanding. The number of shares has increased by 4.58% in one year.
| Current Share Class | 115.30M |
| Shares Outstanding | 115.30M |
| Shares Change (YoY) | +4.58% |
| Shares Change (QoQ) | +2.16% |
| Owned by Insiders (%) | 2.93% |
| Owned by Institutions (%) | 76.97% |
| Float | 106.04M |
Valuation Ratios
The trailing PE ratio is 20.36 and the forward PE ratio is 12.52.
| PE Ratio | 20.36 |
| Forward PE | 12.52 |
| PS Ratio | 1.60 |
| Forward PS | 1.85 |
| PB Ratio | 1.43 |
| P/TBV Ratio | 1.59 |
| P/FCF Ratio | n/a |
| P/OCF Ratio | n/a |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 12.37 |
| EV / Sales | 0.99 |
| EV / EBITDA | 6.30 |
| EV / EBIT | 9.31 |
| EV / FCF | n/a |
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 | n/a |
| Interest Coverage | 15,337.11 |
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 | $1.29M |
| Profits Per Employee | $103,636 |
| Employee Count | 1,002 |
| Asset Turnover | 0.12 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, LendingClub has paid $34.18 million in taxes.
| Income Tax | 34.18M |
| Effective Tax Rate | 24.77% |
Stock Price Statistics
The stock price has increased by +17.63% in the last 52 weeks. The beta is 2.15, so LendingClub's price volatility has been higher than the market average.
| Beta (5Y) | 2.15 |
| 52-Week Price Change | +17.63% |
| 50-Day Moving Average | 16.68 |
| 200-Day Moving Average | 13.28 |
| Relative Strength Index (RSI) | 57.52 |
| Average Volume (20 Days) | 2,532,977 |
Short Selling Information
The latest short interest is 4.84 million, so 4.20% of the outstanding shares have been sold short.
| Short Interest | 4.84M |
| Short Previous Month | 5.56M |
| Short % of Shares Out | 4.20% |
| Short % of Float | 4.56% |
| Short Ratio (days to cover) | 3.25 |
Income Statement
In the last 12 months, LendingClub had revenue of $1.30 billion and earned $103.84 million in profits. Earnings per share was $0.89.
| Revenue | 1.30B |
| Gross Profit | 385.77M |
| Operating Income | 138.03M |
| Pretax Income | 138.03M |
| Net Income | 103.84M |
| EBITDA | 204.03M |
| EBIT | 138.03M |
| Earnings Per Share (EPS) | $0.89 |
Full Income StatementBalance Sheet
The company has $827.39 million in cash and $19.13 million in debt, giving a net cash position of $808.26 million or $7.01 per share.
| Cash & Cash Equivalents | 827.39M |
| Total Debt | 19.13M |
| Net Cash | 808.26M |
| Net Cash Per Share | $7.01 |
| Equity (Book Value) | 1.46B |
| Book Value Per Share | 12.68 |
| Working Capital | 5.79B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was -$2.01 billion and capital expenditures -$141.98 million, giving a free cash flow of -$2.15 billion.
| Operating Cash Flow | -2.01B |
| Capital Expenditures | -141.98M |
| Free Cash Flow | -2.15B |
| FCF Per Share | -$18.65 |
Full Cash Flow StatementMargins
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 | 4.96% |
| FCF Yield | -102.76% |
Analyst Forecast
The average price target for LendingClub is $22.00, which is 21.21% higher than the current price. The consensus rating is "Buy".
| Price Target | $22.00 |
| Price Target Difference | 21.21% |
| Analyst Consensus | Buy |
| Analyst Count | 5 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair 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 0.85 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 |
