LendingClub Statistics

Total Valuation

LendingClub has a market cap or net worth of $1.36 billion. The enterprise value is $494.75 million.

Market Cap	1.36B
Enterprise Value	494.75M

Important Dates

The next estimated earnings date is Tuesday, July 29, 2025, after market close.

Earnings Date	Jul 29, 2025
Ex-Dividend Date	n/a

Share Statistics

LendingClub has 114.20 million shares outstanding. The number of shares has increased by 4.65% in one year.

Current Share Class	114.20M
Shares Outstanding	114.20M
Shares Change (YoY)	+4.65%
Shares Change (QoQ)	-0.19%
Owned by Insiders (%)	3.03%
Owned by Institutions (%)	74.66%
Float	104.99M

Valuation Ratios

The trailing PE ratio is 27.18 and the forward PE ratio is 14.98.

PE Ratio	27.18
Forward PE	14.98
PS Ratio	1.12
Forward PS	1.37
PB Ratio	1.00
P/TBV Ratio	1.12
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	9.75
EV / Sales	0.41
EV / EBITDA	3.97
EV / EBIT	7.66
EV / FCF	n/a

Financial Position

The company has a current ratio of 3.97, with a Debt / Equity ratio of 0.02.

Current Ratio	3.97
Quick Ratio	3.45
Debt / Equity	0.02
Debt / EBITDA	0.18
Debt / FCF	n/a
Interest Coverage	180.42

Financial Efficiency

Return on equity (ROE) is 3.86% and return on invested capital (ROIC) is 2.73%.

Return on Equity (ROE)	3.86%
Return on Assets (ROA)	0.41%
Return on Invested Capital (ROIC)	2.73%
Return on Capital Employed (ROCE)	0.71%
Revenue Per Employee	$1.19M
Profits Per Employee	$50,650
Employee Count	1,002
Asset Turnover	0.12
Inventory Turnover	n/a

Taxes

In the past 12 months, LendingClub has paid $13.48 million in taxes.

Income Tax	13.48M
Effective Tax Rate	20.99%

Stock Price Statistics

The stock price has increased by +45.73% in the last 52 weeks. The beta is 2.43, so LendingClub's price volatility has been higher than the market average.

Beta (5Y)	2.43
52-Week Price Change	+45.73%
50-Day Moving Average	10.51
200-Day Moving Average	12.71
Relative Strength Index (RSI)	67.54
Average Volume (20 Days)	1,218,539

Short Selling Information

The latest short interest is 3.87 million, so 3.39% of the outstanding shares have been sold short.

Short Interest	3.87M
Short Previous Month	4.64M
Short % of Shares Out	3.39%
Short % of Float	3.69%
Short Ratio (days to cover)	3.39

Income Statement

In the last 12 months, LendingClub had revenue of $1.20 billion and earned $50.75 million in profits. Earnings per share was $0.44.

Revenue	1.20B
Gross Profit	283.07M
Operating Income	64.59M
Pretax Income	57.97M
Net Income	50.75M
EBITDA	124.66M
EBIT	64.59M
Earnings Per Share (EPS)	$0.44

Full Income Statement

Balance Sheet

The company has $895.52 million in cash and $25.57 million in debt, giving a net cash position of $869.94 million or $7.62 per share.

Cash & Cash Equivalents	895.52M
Total Debt	25.57M
Net Cash	869.94M
Net Cash Per Share	$7.62
Equity (Book Value)	1.36B
Book Value Per Share	11.95
Working Capital	4.21B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was -$2.13 billion and capital expenditures -$55.59 million, giving a free cash flow of -$2.18 billion.

Operating Cash Flow	-2.13B
Capital Expenditures	-55.59M
Free Cash Flow	-2.18B
FCF Per Share	-$19.11

Full Cash Flow Statement

Margins

Gross margin is 23.68%, with operating and profit margins of 5.40% and 4.24%.

Gross Margin	23.68%
Operating Margin	5.40%
Pretax Margin	5.37%
Profit Margin	4.24%
EBITDA Margin	10.43%
EBIT Margin	5.40%
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	-4.65%
Shareholder Yield	-4.65%
Earnings Yield	3.72%
FCF Yield	-159.93%

Analyst Forecast

The average price target for LendingClub is $16.29, which is 36.32% higher than the current price. The consensus rating is "Strong Buy".

Price Target	$16.29
Price Target Difference	36.32%
Analyst Consensus	Strong Buy
Analyst Count	7
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Forecasts

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 0.2:1.

Last Split Date	Jul 8, 2019
Split Type	Reverse
Split Ratio	0.2:1

Scores

LendingClub has an Altman Z-Score of 0.66 and a Piotroski F-Score of 2. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score	0.66
Piotroski F-Score	2