-5.53%
-16.68%
-4.87%
7.83%
49.56%
-28.09%
15.10%
AI Spotlight on LC
Company Description
LendingClub Corporation, operates as a bank holding company for LendingClub Bank, National Association that provides range of financial products and services through a technology-driven platform in the United States.The company provides commercial and industrial, commercial real estate, small business, and equipment loans, as well as leases equipment; and unsecured personal and auto, patient finance, and education finance loans.It also operates an online lending marketplace platform that connects borrowers and investors.
LendingClub Corporation was incorporated in 2006 and is headquartered in San Francisco, California.
Market Data
| Last Price | 13.49 |
| Change Percentage | -5.53% |
| Open | 14.39 |
| Previous Close | 14.28 |
| Market Cap ( Millions) | 1516 |
| Volume | 4024942 |
| Year High | 18.75 |
| Year Low | 7.48 |
| M A 50 | 16.23 |
| M A 200 | 11.91 |
Financial Ratios
| FCF Yield | -218.42% |
| Dividend Yield | 0.00% |
| ROE | 4.02% |
| Debt / Equity | 2.39% |
| Net Debt / EBIDTA | -1113.11% |
| Price To Book | 1.13 |
| Price Earnings Ratio | 29.2 |
| Price To FCF | -0.46 |
| Price To sales | 1.49 |
| EV / EBITDA | 6.01 |
News
- Jan -30 - LendingClub: Not The Destination
- Jan -29 - Manhattan Associates, LendingClub And Other Big Stocks Moving Lower In Wednesday's Pre-Market Session
- Jan -29 - LendingClub Had a Fine Quarter. Why the Stock Is Falling 21%.
- Jan -29 - LendingClub Shares Plummet as Loan Originations Slow
- Jan -29 - LendingClub Corporation (LC) Q4 2024 Earnings Call Transcript
- Jan -28 - LendingClub (LC) Surpasses Q4 Earnings and Revenue Estimates
- Jan -28 - LendingClub Reports Fourth Quarter and Full Year 2024 Results
- Jan -24 - LendingClub Set to Report Q4 Earnings: What's in Store for LC?
- Jan -21 - Initiating Buy On LendingClub: Lower Interest Rates And Excess Capital Present Opportunity
- Jan -09 - LendingClub Schedules Fourth Quarter and Full Year 2024 Earnings Release and Conference Call
- Jan -05 - LendingClub: Joining The Club For 2025
- Jan -05 - Here's why the LendingClub stock price may surge 53% soon
- Dec -24 - Big Money Joins the LendingClub
- Dec -19 - LendingClub: The Historic Debt Consolidation Opportunity Has Just Started
- Dec -04 - LendingClub: Too Early To Downgrade
- Nov -21 - All You Need to Know About LendingClub (LC) Rating Upgrade to Buy
- Nov -19 - Caught in a Loop: More Americans Are Unwittingly Ending Up on a Hamster Wheel of Credit Card Debt
- Nov -19 - SoFi Technologies (SOFI) Price Prediction and Forecast 2025-2030
- Nov -05 - This Small-Cap Stock Is Up 63% in 2024. Here's Why a Historic Opportunity Could Send It Even Higher.
- Oct -24 - LendingClub Stock Is Soaring. Strong Earnings May Bode Well for SoFi and Affirm.
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Online Lending Marketplace Platform
Expected Growth : 10.88 %
What the company do ?
LendingClub's online lending marketplace platform connects borrowers with investors, providing access to affordable loans and investment opportunities.
Why we expect these perspectives ?
LendingClub's 10.88% growth in online lending marketplace platform is driven by increasing demand for digital lending, rising adoption of fintech solutions, expansion into new markets, strategic partnerships, and improved credit scoring models. Additionally, the platform's ability to provide competitive interest rates, faster loan processing, and enhanced customer experience also contribute to its growth.
Lendingclub Corporation Products
| Product Range | What is it ? |
|---|---|
| Personal Loans | Unsecured personal loans for debt consolidation, weddings, moving, and other major expenses |
| Business Loans | Term loans and lines of credit for small businesses to manage cash flow, expand operations, or refinance debt |
| Auto Refinancing | Refinance existing auto loans to lower monthly payments, reduce interest rates, or tap into equity |
| Patient Financing | Financing options for medical procedures, dental care, and other healthcare expenses |
| Investment Products | Investment opportunities in consumer and small business loans, offering returns through interest payments |
LendingClub Corporation's Porter Forces
Threat Of Substitutes
LendingClub Corporation operates in a niche market, providing a platform for borrowers and investors. While there are some substitutes, such as traditional banks and credit unions, LendingClub's unique model and technology provide a competitive advantage, reducing the threat of substitutes.
Bargaining Power Of Customers
LendingClub's customers, both borrowers and investors, have limited bargaining power due to the company's dominant market position and lack of direct competition. This reduces the bargaining power of customers.
Bargaining Power Of Suppliers
LendingClub's suppliers, primarily consisting of data providers and technology vendors, have limited bargaining power due to the company's scale and negotiating power. This reduces the bargaining power of suppliers.
Threat Of New Entrants
While there are barriers to entry in the peer-to-peer lending market, new entrants can still pose a threat to LendingClub. However, the company's established brand, technology, and regulatory compliance provide a competitive advantage, reducing the threat of new entrants.
Intensity Of Rivalry
The peer-to-peer lending market is highly competitive, with several established players competing for market share. LendingClub faces intense competition from companies like Prosper, Upstart, and Funding Circle, which increases the intensity of rivalry.
Strength
Capital Structure
| Value | |
|---|---|
| Debt Weight | 1.83% |
| Debt Cost | 12.83% |
| Equity Weight | 98.17% |
| Equity Cost | 13.99% |
| WACC | 13.97% |
| Leverage | 1.86% |
LendingClub Corporation : Quality Control
LendingClub Corporation passed 4 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| NICK | Nicholas Financial, Inc. operates as a consumer finance company in the United States. The company engages in acquiring and servicing automobile finance installment contracts for the purchase of new and … |
| CPSS | Consumer Portfolio Services, Inc. operates as a specialty finance company in the United States. It is involved in the purchase and service of retail automobile contracts originated by franchised automobile … |
| PMTS | CPI Card Group Inc., together with its subsidiaries, engages in the design, production, data personalization, packaging, and fulfillment of financial payment cards. It operates through Debit and Credit, and Prepaid … |
| NRDS | NerdWallet, Inc. operates a digital platform that provides consumer-driven advice about personal finance by connecting individuals and small and mid-sized businesses with financial products providers. The company's platform offers guidance … |
| MCVT | Mill City Ventures III, Ltd. is a principal investment firm specializing investments in debt and equity securities of public and private companies to fund their operations whether its start-up, acquisition, … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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LendingClub
A-Score
1-Year Total Return ->
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CPI Card Group
A-Score
1-Year Total Return ->
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Consumer Portfolio Services
A-Score
1-Year Total Return ->
4
Nicholas Financial
A-Score
1-Year Total Return ->
5
NerdWallet
A-Score
1-Year Total Return ->
6
