LendingClub Statistics
Total Valuation
LendingClub has a market cap or net worth of $1.65 billion. The enterprise value is $747.56 million.
Important Dates
The next estimated earnings date is Tuesday, April 28, 2026, after market close.
| Earnings Date | Apr 28, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
LendingClub has 115.18 million shares outstanding. The number of shares has increased by 3.63% in one year.
| Current Share Class | 115.18M |
| Shares Outstanding | 115.18M |
| Shares Change (YoY) | +3.63% |
| Shares Change (QoQ) | +0.56% |
| Owned by Insiders (%) | 3.37% |
| Owned by Institutions (%) | 87.02% |
| Float | 111.30M |
Valuation Ratios
The trailing PE ratio is 12.34 and the forward PE ratio is 8.27.
| PE Ratio | 12.34 |
| Forward PE | 8.27 |
| PS Ratio | 1.24 |
| Forward PS | 1.50 |
| PB Ratio | 1.10 |
| P/TBV Ratio | 1.22 |
| P/FCF Ratio | n/a |
| P/OCF Ratio | n/a |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 5.51 |
| EV / Sales | 0.56 |
| EV / EBITDA | 3.12 |
| EV / EBIT | 4.22 |
| EV / FCF | n/a |
Financial Position
The company has a current ratio of 2.71, with a Debt / Equity ratio of 0.01.
| Current Ratio | 2.71 |
| Quick Ratio | 2.00 |
| Debt / Equity | 0.01 |
| Debt / EBITDA | 0.06 |
| Debt / FCF | n/a |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 9.55% and return on invested capital (ROIC) is 21.66%.
| Return on Equity (ROE) | 9.55% |
| Return on Assets (ROA) | 1.00% |
| Return on Invested Capital (ROIC) | 21.66% |
| Return on Capital Employed (ROCE) | 1.95% |
| Weighted Average Cost of Capital (WACC) | 14.70% |
| Revenue Per Employee | $1.24M |
| Profits Per Employee | $126,211 |
| Employee Count | 1,075 |
| Asset Turnover | 0.12 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, LendingClub has paid $41.27 million in taxes.
| Income Tax | 41.27M |
| Effective Tax Rate | 23.32% |
Stock Price Statistics
The stock price has increased by +36.25% in the last 52 weeks. The beta is 1.93, so LendingClub's price volatility has been higher than the market average.
| Beta (5Y) | 1.93 |
| 52-Week Price Change | +36.25% |
| 50-Day Moving Average | 15.77 |
| 200-Day Moving Average | 16.28 |
| Relative Strength Index (RSI) | 45.60 |
| Average Volume (20 Days) | 1,568,440 |
Short Selling Information
The latest short interest is 4.58 million, so 3.98% of the outstanding shares have been sold short.
| Short Interest | 4.58M |
| Short Previous Month | 3.97M |
| Short % of Shares Out | 3.98% |
| Short % of Float | 4.11% |
| Short Ratio (days to cover) | 2.50 |
Income Statement
In the last 12 months, LendingClub had revenue of $1.33 billion and earned $135.68 million in profits. Earnings per share was $1.16.
| Revenue | 1.33B |
| Gross Profit | 450.39M |
| Operating Income | 176.95M |
| Pretax Income | 176.95M |
| Net Income | 135.68M |
| EBITDA | 239.84M |
| EBIT | 176.95M |
| Earnings Per Share (EPS) | $1.16 |
Full Income StatementBalance Sheet
The company has $917.65 million in cash and $15.83 million in debt, with a net cash position of $901.83 million or $7.83 per share.
| Cash & Cash Equivalents | 917.65M |
| Total Debt | 15.83M |
| Net Cash | 901.83M |
| Net Cash Per Share | $7.83 |
| Equity (Book Value) | 1.50B |
| Book Value Per Share | 13.01 |
| Working Capital | 4.25B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was -$2.73 billion and capital expenditures -$140.34 million, giving a free cash flow of -$2.87 billion.
| Operating Cash Flow | -2.73B |
| Capital Expenditures | -140.34M |
| Depreciation & Amortization | 62.89M |
| Net Borrowing | n/a |
| Free Cash Flow | -2.87B |
| FCF Per Share | -$24.89 |
Full Cash Flow StatementMargins
Gross margin is 33.74%, with operating and profit margins of 13.26% and 10.17%.
| Gross Margin | 33.74% |
| Operating Margin | 13.26% |
| Pretax Margin | 13.26% |
| Profit Margin | 10.17% |
| EBITDA Margin | 17.97% |
| EBIT Margin | 13.26% |
| 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 | -3.63% |
| Shareholder Yield | -3.63% |
| Earnings Yield | 8.23% |
| FCF Yield | -173.84% |
Analyst Forecast
The average price target for LendingClub is $22.67, which is 58.31% higher than the current price. The consensus rating is "Buy".
| Price Target | $22.67 |
| Price Target Difference | 58.31% |
| Analyst Consensus | Buy |
| Analyst Count | 6 |
| 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 0.68 and a Piotroski F-Score of 4. A Z-score under 3 suggests an increased risk of bankruptcy.
| Altman Z-Score | 0.68 |
| Piotroski F-Score | 4 |
