LendingClub Statistics
Total Valuation
LendingClub has a market cap or net worth of $1.48 billion. The enterprise value is $551.84 million.
Important Dates
The last earnings date was Tuesday, January 28, 2025, after market close.
| Earnings Date | Jan 28, 2025 |
| Ex-Dividend Date | n/a |
Share Statistics
LendingClub has 113.38 million shares outstanding. The number of shares has increased by 4.29% in one year.
| Current Share Class | 113.38M |
| Shares Outstanding | 113.38M |
| Shares Change (YoY) | +4.29% |
| Shares Change (QoQ) | +2.18% |
| Owned by Insiders (%) | 3.02% |
| Owned by Institutions (%) | 77.14% |
| Float | 109.95M |
Valuation Ratios
The trailing PE ratio is 28.96 and the forward PE ratio is 16.75.
| PE Ratio | 28.96 |
| Forward PE | 16.75 |
| PS Ratio | 1.25 |
| Forward PS | 1.54 |
| PB Ratio | 1.10 |
| P/TBV Ratio | 1.23 |
| P/FCF Ratio | n/a |
| P/OCF Ratio | n/a |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 10.75 |
| EV / Sales | 0.48 |
| EV / EBITDA | 4.43 |
| EV / EBIT | 8.39 |
| EV / FCF | n/a |
Financial Position
The company has a current ratio of 2.93, with a Debt / Equity ratio of 0.02.
| Current Ratio | 2.93 |
| Quick Ratio | 2.58 |
| Debt / Equity | 0.02 |
| Debt / EBITDA | 0.20 |
| Debt / FCF | n/a |
| Interest Coverage | 94.22 |
Financial Efficiency
Return on equity (ROE) is 3.96% and return on invested capital (ROIC) is 3.07%.
| Return on Equity (ROE) | 3.96% |
| Return on Assets (ROA) | 0.42% |
| Return on Invested Capital (ROIC) | 3.07% |
| Return on Capital Employed (ROCE) | 0.75% |
| Revenue Per Employee | $1.16M |
| Profits Per Employee | $51,228 |
| Employee Count | 1,002 |
| Asset Turnover | 0.12 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, LendingClub has paid $13.74 million in taxes.
| Income Tax | 13.74M |
| Effective Tax Rate | 21.11% |
Stock Price Statistics
The stock price has increased by +55.86% 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 | +55.86% |
| 50-Day Moving Average | 15.50 |
| 200-Day Moving Average | 12.34 |
| Relative Strength Index (RSI) | 36.66 |
| Average Volume (20 Days) | 2,635,404 |
Short Selling Information
The latest short interest is 5.05 million, so 4.45% of the outstanding shares have been sold short.
| Short Interest | 5.05M |
| Short Previous Month | 4.69M |
| Short % of Shares Out | 4.45% |
| Short % of Float | 4.59% |
| Short Ratio (days to cover) | 2.19 |
Income Statement
In the last 12 months, LendingClub had revenue of $1.16 billion and earned $51.33 million in profits. Earnings per share was $0.45.
| Revenue | 1.16B |
| Gross Profit | 275.78M |
| Operating Income | 65.76M |
| Pretax Income | 57.97M |
| Net Income | 51.33M |
| EBITDA | 124.60M |
| EBIT | 65.76M |
| Earnings Per Share (EPS) | $0.45 |
Full Income StatementBalance Sheet
The company has $954.06 million in cash and $28.50 million in debt, giving a net cash position of $925.56 million or $8.16 per share.
| Cash & Cash Equivalents | 954.06M |
| Total Debt | 28.50M |
| Net Cash | 925.56M |
| Net Cash Per Share | $8.16 |
| Equity (Book Value) | 1.34B |
| Book Value Per Share | 11.83 |
| Working Capital | 3.65B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was -$2.63 billion and capital expenditures -$54.30 million, giving a free cash flow of -$2.69 billion.
| Operating Cash Flow | -2.63B |
| Capital Expenditures | -54.30M |
| Free Cash Flow | -2.69B |
| FCF Per Share | -$23.71 |
Full Cash Flow StatementMargins
Gross margin is 23.76%, with operating and profit margins of 5.66% and 4.42%.
| Gross Margin | 23.76% |
| Operating Margin | 5.66% |
| Pretax Margin | 5.60% |
| Profit Margin | 4.42% |
| EBITDA Margin | 10.73% |
| EBIT Margin | 5.66% |
| 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 | -4.29% |
| Shareholder Yield | -4.29% |
| Earnings Yield | 3.47% |
| FCF Yield | -181.97% |
Analyst Forecast
The average price target for LendingClub is $16.38, which is 25.71% higher than the current price. The consensus rating is "Strong Buy".
| Price Target | $16.38 |
| Price Target Difference | 25.71% |
| 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 0.57 and a Piotroski F-Score of 2. A Z-score under 3 suggests an increased risk of bankruptcy.
| Altman Z-Score | 0.57 |
| Piotroski F-Score | 2 |