LendingClub Statistics
Total Valuation
LendingClub has a market cap or net worth of $1.88 billion. The enterprise value is $895.68 million.
Important Dates
The last earnings date was Wednesday, October 23, 2024, after market close.
| Earnings Date | Oct 23, 2024 |
| Ex-Dividend Date | n/a |
Share Statistics
LendingClub has 112.40 million shares outstanding. The number of shares has increased by 3.84% in one year.
| Current Share Class | 112.40M |
| Shares Outstanding | 112.40M |
| Shares Change (YoY) | +3.84% |
| Shares Change (QoQ) | +2.20% |
| Owned by Insiders (%) | 3.19% |
| Owned by Institutions (%) | 75.69% |
| Float | 108.82M |
Valuation Ratios
The trailing PE ratio is 36.33 and the forward PE ratio is 25.08. LendingClub's PEG ratio is 1.32.
| PE Ratio | 36.33 |
| Forward PE | 25.08 |
| PS Ratio | 1.68 |
| Forward PS | 2.15 |
| PB Ratio | 1.40 |
| P/TBV Ratio | 1.57 |
| P/FCF Ratio | n/a |
| P/OCF Ratio | n/a |
| PEG Ratio | 1.32 |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 17.30 |
| EV / Sales | 0.81 |
| EV / EBITDA | 7.47 |
| EV / EBIT | 13.00 |
| EV / FCF | n/a |
Financial Position
The company has a current ratio of 6.66, with a Debt / Equity ratio of 0.02.
| Current Ratio | 6.66 |
| Quick Ratio | 5.65 |
| Debt / Equity | 0.02 |
| Debt / EBITDA | 0.24 |
| Debt / FCF | n/a |
| Interest Coverage | 54.18 |
Financial Efficiency
Return on equity (ROE) is 4.06% and return on invested capital (ROIC) is 3.22%.
| Return on Equity (ROE) | 4.06% |
| Return on Assets (ROA) | 0.44% |
| Return on Capital (ROIC) | 3.22% |
| Revenue Per Employee | $1.08M |
| Profits Per Employee | $50,502 |
| Employee Count | 1,025 |
| Asset Turnover | 0.11 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, LendingClub has paid $15.88 million in taxes.
| Income Tax | 15.88M |
| Effective Tax Rate | 23.47% |
Stock Price Statistics
The stock price has increased by +205.29% in the last 52 weeks. The beta is 2.01, so LendingClub's price volatility has been higher than the market average.
| Beta (5Y) | 2.01 |
| 52-Week Price Change | +205.29% |
| 50-Day Moving Average | 13.09 |
| 200-Day Moving Average | 10.18 |
| Relative Strength Index (RSI) | 72.16 |
| Average Volume (20 Days) | 2,017,036 |
Short Selling Information
The latest short interest is 3.50 million, so 3.11% of the outstanding shares have been sold short.
| Short Interest | 3.50M |
| Short Previous Month | 3.62M |
| Short % of Shares Out | 3.11% |
| Short % of Float | 3.21% |
| Short Ratio (days to cover) | 1.83 |
Income Statement
In the last 12 months, LendingClub had revenue of $1.11 billion and earned $51.77 million in profits. Earnings per share was $0.46.
| Revenue | 1.11B |
| Gross Profit | 275.63M |
| Operating Income | 68.91M |
| Pretax Income | 57.97M |
| Net Income | 51.77M |
| EBITDA | 119.95M |
| EBIT | 68.91M |
| Earnings Per Share (EPS) | $0.46 |
Full Income StatementBalance Sheet
The company has $1.02 billion in cash and $32.12 million in debt, giving a net cash position of $984.81 million or $8.76 per share.
| Cash & Cash Equivalents | 1.02B |
| Total Debt | 32.12M |
| Net Cash | 984.81M |
| Net Cash Per Share | $8.76 |
| Equity (Book Value) | 1.34B |
| Book Value Per Share | 11.95 |
| Working Capital | 4.96B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was -$3.26 billion and capital expenditures -$48.35 million, giving a free cash flow of -$3.31 billion.
| Operating Cash Flow | -3.26B |
| Capital Expenditures | -48.35M |
| Free Cash Flow | -3.31B |
| FCF Per Share | -$29.47 |
Full Cash Flow StatementMargins
Gross margin is 24.88%, with operating and profit margins of 6.22% and 4.67%.
| Gross Margin | 24.88% |
| Operating Margin | 6.22% |
| Pretax Margin | 6.11% |
| Profit Margin | 4.67% |
| EBITDA Margin | 10.83% |
| EBIT Margin | 6.22% |
| FCF Margin | -396.43% |
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 | -3.84% |
| Shareholder Yield | -3.84% |
| Earnings Yield | 2.75% |
| FCF Yield | -176.12% |
Analyst Forecast
The average price target for LendingClub is $15.38, which is -8.07% lower than the current price. The consensus rating is "Strong Buy".
| Price Target | $15.38 |
| Price Target Difference | -8.07% |
| Analyst Consensus | Strong Buy |
| Analyst Count | 8 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsStock 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 0.67 and a Piotroski F-Score of 3. A Z-score under 3 suggests an increased risk of bankruptcy.
| Altman Z-Score | 0.67 |
| Piotroski F-Score | 3 |