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Overview
Profile
LendingClub Stock

LendingClub Stock LC

LC
US52603A2087
A2PNFU

Price

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Today +/-
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Today %
-0 %

LendingClub stock price

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Weekly
Details

Price

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Overview

The Quote Chart provides detailed and dynamic insights into the LendingClub stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the LendingClub stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the LendingClub stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze LendingClub's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

LendingClub Stock Price History

DateLendingClub Price
7/31/20250 undefined
7/30/202515.59 undefined
7/29/202515.89 undefined
7/28/202513.11 undefined
7/27/202512.95 undefined
7/25/202513.06 undefined
7/24/202513.18 undefined
7/23/202513.46 undefined
7/22/202512.98 undefined
7/21/202512.78 undefined
7/18/202512.91 undefined
7/17/202513.12 undefined
7/16/202512.61 undefined
7/15/202512.44 undefined
7/14/202512.77 undefined
7/11/202512.95 undefined
7/10/202512.74 undefined
7/9/202512.51 undefined
7/8/202512.70 undefined
7/7/202512.26 undefined
7/3/202512.63 undefined
7/2/202512.61 undefined

LendingClub Revenue, EBIT, Net Income

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Revenue
EBIT
Net Income
Details

Revenue, EBIT and Profit

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Understanding Revenue, EBIT, and Income

Gain insights into LendingClub, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by LendingClub from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects LendingClub’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of LendingClub. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into LendingClub’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing LendingClub’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on LendingClub’s growth potential.

LendingClub Revenue, EBIT and net profit per share

DateLendingClub RevenueLendingClub EBITLendingClub Net Income
2027e1.42 B undefined441.87 M undefined176.33 M undefined
2026e1.14 B undefined453.14 M undefined133.59 M undefined
2025e959.53 M undefined332.99 M undefined76.05 M undefined
2024787.01 M undefined65.07 M undefined51.33 M undefined
2023864.62 M undefined54.62 M undefined38.94 M undefined
20221.19 B undefined153 M undefined289.7 M undefined
2021818.6 M undefined19.2 M undefined18.6 M undefined
2020456.2 M undefined-169.8 M undefined-187.5 M undefined
20191.01 B undefined-30.9 M undefined-30.7 M undefined
20181.08 B undefined-57 M undefined-128.3 M undefined
20171.15 B undefined-76.1 M undefined-153.8 M undefined
20161.19 B undefined-113.1 M undefined-146 M undefined
2015979.7 M undefined-2.2 M undefined-5 M undefined
2014567.7 M undefined-31.5 M undefined-32.9 M undefined
2013285.4 M undefined7.3 M undefined7.3 M undefined
201285.2 M undefined-4.2 M undefined-4.2 M undefined
201147.8 M undefined-11.9 M undefined-11.9 M undefined
201019.2 M undefined-11.3 M undefined-11.3 M undefined
20092.3 M undefined-10.3 M undefined-10.3 M undefined
2008400,000 undefined-12.1 M undefined-11.9 M undefined

LendingClub Income Statement, Balance Sheet, Cash Flow Statement

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  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (B)
REVENUE GROWTH (%)
GROSS MARGIN (%)
GROSS INCOME (M)
NET INCOME (M)
NET INCOME GROWTH (%)
SHARES (M)
DOCUMENTS
200820092010201120122013201420152016201720182019202020212022202320242025e2026e2027e
000.020.050.090.290.570.981.191.151.081.010.460.821.190.860.790.961.141.42
--850.00147.3780.85235.2998.9572.6621.45-3.62-5.76-6.94-54.6379.3945.11-27.21-8.9121.8619.2924.13
-39,350.0031.5831.9132.9434.3937.2143.8242.0550.0964.2675.4268.8696.2166.30100.00100.0082.0668.7955.42
-10615289821142950057469475831400864787000
-11-10-11-11-47-32-5-146-153-128-30-18718289385176133176
--9.0910.00--63.64-275.00-557.14-84.382,820.004.79-16.34-76.56523.33-109.631,505.56-86.8534.2149.0275.0032.33
72.272.272.272.272.272.272.27577.681.884.687.377.9102.1104108.47113.12000
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Details

Keystats

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Revenue and Growth

The LendingClub Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the LendingClub is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETS
CASH BALANCE (B)
RECEIVABLES (M)
OTHER REC. (M)
INVENTORIES (M)
OTHER CURRENT LIAB. (M)
CURRENT ASSETS (B)
TANGIBLE ASSETS (M)
LONG-T. INVEST. (B)
LONG-T. REC. (B)
INTANGIBLE ASSETS (M)
GOODWILL (M)
OTHER NON-CURRENT ASSETS (M)
NON-CURRENT ASSETS (B)
TOTAL ASSETS (B)
LIABILITIES
COMMON STOCK (M)
ADDITIONAL PAID-IN CAPITAL (B)
RETAINED EARNINGS (M)
OTHER EQUITY (M)
UNREAL. GAINS/LOSSES (M)
EQUITY (B)
LIABILITIES (M)
PROVISIONS (M)
OTHER SHORT-TERM LIAB. (B)
SHORT-TERM DEBTS (B)
LONG-TERM DEBT PORTION (M)
SHORT-TERM REC. (B)
LONG-T. LIAB. (B)
DEFERRED TAXES (M)
OTHER LIAB. (M)
LONG-T. LIABILITIES (B)
DEBT (B)
TOTAL CAPITAL (B)
20082009201020112012201320142015201620172018201920202021202220232024
                                 
0.0100.010.030.050.050.870.620.520.40.370.240.530.691.061.250.95
00000.10.41.757.61019.31910.20000
00005.534.124.539.241.836.122.312.95.20000
00000000000000000
0.10.20.10.71.53.56.816.31723.425.614.916.50000
0.0100.010.030.060.090.90.680.580.470.440.290.560.691.061.250.95
0.10.10.20.51.612.627.155.989.3101.9113.9207.9170.7175.3200.3188.13188.84
0.010.060.0100000.30.30.711.011.040.320.711.421.663.5
0.010.010.150.360.781.832.84.564.312.931.881.080.642.984.765.225.55
00000036.33126.221.91814.511.421.216.312.148.59
00000072.672.735.635.600075.775.775.7275.72
0.51.40.94.97.512.246.880.7178.8245.5273.2244.8103.576.5241.1193.06160.49
0.020.070.160.370.791.852.985.094.944.053.32.581.244.046.717.359.48
0.030.070.170.40.851.943.895.785.524.523.742.871.84.737.778.6110.44
                                 
28.628.65384.9103.1103.33.73.844.24.30.90.911.11.11.13
00000.010.021.051.131.231.331.41.471.511.611.631.671.7
-19.9-30.2-41.5-53.4-57.6-50.3-83.2-88.2-234.2-389.4-517.7-548.5-786.2-767.6-427.7-388.81-337.48
0000000-1.7-0.800.2-0.61.57-37.6-30.3-24.24
00000000000000000
0.0100.020.040.050.070.971.0410.940.890.920.720.851.161.251.34
0.60.40.30.91.24.55.95.510.99.47.110.93.710198.254.6278.13
0.40.81.54.41026.956.595.5126.6128.1149.2234.6174.191.677.337.8728.5
0.0100.150.360.791.842.854.644.450.140.150.10.040.110.120.130.11
00000000000003.146.397.339.07
000000000057147.600000
0.0100.150.370.81.882.914.754.580.280.360.490.223.446.697.569.29
0.010.0600000003.32.561.560.890.610.130.020
0000001.33.4000000000
0.1000000.82.62.6133.322.229.726.500222.8220.54
0.010.06000000.0103.432.591.590.920.610.130.240.22
0.020.070.150.370.81.882.924.754.593.712.952.081.144.056.827.89.51
0.030.070.170.40.851.943.895.795.584.663.8431.864.97.989.0510.85
Details

Balance Sheet

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Understanding the Balance Sheet

The balance sheet of LendingClub provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand LendingClub's financial health and stability.

Assets

LendingClub's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that LendingClub must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of LendingClub after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into LendingClub's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (M)
DEPRECIATION (M)
DEFERRED TAXES (M)
CHANGES IN WORKING CAPITAL (M)
NON-CASH ITEM (M)
PAID INTEREST (M)
PAID TAXES (M)
NET CASH FLOW FROM OPERATING ACTIVITIES (M)
CAPITAL EXPENDITURES (M)
CASH FLOW FROM INVESTING ACTIVITIES (M)
CASH FLOW FROM OTHER INVESTING ACTIVITIES (B)
INTEREST INCOME AND EXPENSES (M)
NET DEBT CHANGE (B)
NET CHANGE IN EQUITY (M)
CASH FLOW FROM FINANCING ACTIVITIES (B)
CASH FLOW FROM OTHER FINANCING ACTIVITIES (B)
TOTAL DIVIDENDS PAID (M)
NET CHANGE IN CASH FLOW (M)
FREE CASH FLOW (M)
SHARE-BASED COMPENSATION (M)
2008200920102011null201220132014201520162017201820192020202120222023
-12-10-11-11-11-47-32-5-146-154-128-30-1871828938
00000011021294654595454347
00000000000000000
000002-10291217-552-763-51533521-115-1,658
12111198096168157271290277260224488
14112828521763455366845813942541437779258
000000000000000146
-10-8-9-10-100149740-573-639-270418239375-1,136
00000-1-10-20-39-51-44-53-50-31-34-69-59
-13-51-100-218-218-441-1,120-1,257-2,406-325998878653565-454-2,809516
-0.01-0.05-0.1-0.22-0.22-0.44-1.11-1.24-2.37-0.271.040.930.70.6-0.42-2.740.58
00000000000000000
0.010.050.10.220.220.441.111.12.040.26-0.48-0.22-0.51-0.78-0.77-0.45-0.11
17024323219289616-120730000
0.030.050.120.250.250.461.122.032.090.31-0.47-0.24-0.54-0.840.352.80.79
0.010000000.030.030.05-0.01-0.02-0.03-0.011.123.250.9
0000000000000-50000
6-910171721-3820-246-10-490-156141135360169
-10.3-8.2-9.7-110-1.7-9.329.335.3-51.3-618-692.7-321.3386.9205.5306.1-1,196.11
00000000000000000

LendingClub stock margins

The LendingClub margin analysis displays the gross margin, EBIT margin, as well as the profit margin of LendingClub. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for LendingClub.

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Gross margin
EBIT margin
Profit margin
Details

Margin

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Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the LendingClub's sales revenue. A higher gross margin percentage indicates that the LendingClub retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the LendingClub's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the LendingClub's total revenue generated. When comparing the revenue margin year over year, investors can gauge the LendingClub's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the LendingClub. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the LendingClub's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

LendingClub Margin History

LendingClub Gross marginLendingClub Profit marginLendingClub EBIT marginLendingClub Profit margin
2027e100 %31.12 %12.42 %
2026e100 %39.61 %11.68 %
2025e100 %34.7 %7.93 %
2024100 %8.27 %6.52 %
2023100 %6.32 %4.5 %
2022100 %12.89 %24.4 %
2021100 %2.35 %2.27 %
202068.98 %-37.22 %-41.1 %
201975.47 %-3.07 %-3.05 %
201864.31 %-5.28 %-11.88 %
201750.13 %-6.64 %-13.42 %
201642.11 %-9.51 %-12.28 %
201543.88 %-0.22 %-0.51 %
201437.19 %-5.55 %-5.8 %
201334.34 %2.56 %2.56 %
201233.57 %-4.93 %-4.93 %
201133.05 %-24.9 %-24.9 %
201033.33 %-58.85 %-58.85 %
200934.78 %-447.83 %-447.83 %
2008-275 %-3,025 %-2,975 %

LendingClub Stock Sales Revenue, EBIT, Earnings per Share

The LendingClub earnings per share therefore indicates how much revenue LendingClub has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

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Sales per Share
EBIT per share
Earnings per Share
Details

Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue LendingClub earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates LendingClub's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of LendingClub’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating LendingClub's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

LendingClub Revenue, EBIT and net profit per share

DateLendingClub Sales per ShareLendingClub EBIT per shareLendingClub Earnings per Share
2027e12.55 undefined0 undefined1.56 undefined
2026e10.11 undefined0 undefined1.18 undefined
2025e8.48 undefined0 undefined0.67 undefined
20246.96 undefined0.58 undefined0.45 undefined
20237.97 undefined0.5 undefined0.36 undefined
202211.42 undefined1.47 undefined2.79 undefined
20218.02 undefined0.19 undefined0.18 undefined
20205.86 undefined-2.18 undefined-2.41 undefined
201911.51 undefined-0.35 undefined-0.35 undefined
201812.77 undefined-0.67 undefined-1.52 undefined
201714.01 undefined-0.93 undefined-1.88 undefined
201615.32 undefined-1.46 undefined-1.88 undefined
201513.06 undefined-0.03 undefined-0.07 undefined
20147.86 undefined-0.44 undefined-0.46 undefined
20133.95 undefined0.1 undefined0.1 undefined
20121.18 undefined-0.06 undefined-0.06 undefined
20110.66 undefined-0.16 undefined-0.16 undefined
20100.27 undefined-0.16 undefined-0.16 undefined
20090.03 undefined-0.14 undefined-0.14 undefined
20080.01 undefined-0.17 undefined-0.16 undefined

LendingClub business model

LendingClub Corp is an American online lending platform based in San Francisco, California. The company was founded in 2007 by Renaud Laplanche, a French entrepreneur. LendingClub is the first and largest peer-to-peer lending company in the US, offering an innovative approach to lending and investing for both borrowers and investors. The business model of LendingClub is relatively simple: borrowers in need of money can submit their loan application on the LendingClub website, providing specific information about their financial situation. This information is then used to conduct a credit assessment, which in turn determines the interest rate offered to the borrower. The interest rate varies based on creditworthiness, with the most creditworthy borrowers receiving the lowest rates. Investors can then provide the funds needed for the loan. For example, an investor may contribute $1,000 to finance a $10,000 loan. The investors then receive interest on the borrowed money, depending on the interest rate accepted by the borrower. LendingClub offers various types of loans, including personal and business loans, as well as auto loans and debt consolidation loans. It also provides a product called LendingClub for Investors, which allows investors to invest in loans offered on the platform. Investors can diversify their portfolio and reduce risk by investing in different loans. One of the key benefits of LendingClub is that it provides borrowers with an alternative to traditional banks for obtaining a loan. This can be a much simpler and faster way to secure a loan. Additionally, LendingClub can be an opportunity for investors to invest in a growing and dynamic sector. LendingClub has several subsidiary companies, including LC Advisors, which advises institutional investors on investing in loans on the LendingClub platform, and Springstone Financial, which specializes in education loans. It also has several partnerships, including one with Google to provide loans to small businesses using Google AdWords. In recent years, LendingClub has experienced significant growth. In December 2014, the company went public and quickly reached a market capitalization of over $8 billion. LendingClub has also made several strategic acquisitions, including the purchase of Springstone Financial in 2014 and the acquisition of Radius Bancorp in 2020. However, LendingClub has also faced challenges, including regulatory issues and internal controversies. In 2016, founder and CEO Renaud Laplanche stepped down after allegations surfaced that the company had violated certain lending rules. The company has taken steps to address these issues and regain the trust of investors and borrowers. Overall, LendingClub Corp has created an innovative and unique business model that potentially offers many benefits for borrowers and investors. The company has experienced significant growth in recent years and remains a key player in the online lending industry. LendingClub is one of the most popular companies on Eulerpool.com.

LendingClub SWOT Analysis

Strengths

LendingClub Corp possesses several key strengths that contribute to its success in the market. Firstly, the company operates on an innovative online platform, providing a convenient and efficient way for borrowers to access funds and investors to earn attractive returns. This digital approach helps reduce costs and streamline processes, ultimately benefiting both parties involved.

Secondly, LendingClub Corp has established a strong brand reputation in the peer-to-peer lending industry. It has built trust among borrowers and investors through its transparent and secure processes, thorough credit assessment methods, and reliable customer support. This has enabled the company to attract a large user base and generate a substantial loan volume.

Additionally, LendingClub Corp benefits from a vast pool of data on borrowers, enabling it to develop sophisticated algorithms for credit risk assessment. This data-driven approach enhances the company's ability to evaluate creditworthiness accurately and match borrowers with suitable investors, maximizing the platform's efficiency and minimizing default rates.

Weaknesses

Despite its strengths, LendingClub Corp also faces certain weaknesses that could pose challenges to its growth and profitability. One of the main weaknesses is its dependence on external economic factors. The company's performance is closely tied to the overall health of the economy, and any economic downturn or financial crisis could significantly impact the demand for loans and the willingness of investors to participate in the platform.

Another weakness is the regulatory environment surrounding the peer-to-peer lending industry. LendingClub Corp must comply with various financial regulations and licensing requirements in the jurisdictions it operates, which can impose additional costs and administrative burdens. Changes in regulations or introduction of new regulations could potentially disrupt the company's operations and limit its growth potential.

Opportunities

LendingClub Corp has several opportunities to capitalize on in the market. The increasing popularity of fintech and online lending presents a favorable environment for the company's growth. As more individuals and businesses become comfortable with online financial services, there is a growing market of potential borrowers and investors who can benefit from LendingClub's platform.

Moreover, LendingClub Corp has the opportunity to expand its services and offerings beyond traditional personal and small business loans. By leveraging its data analytics capabilities and technology-driven approach, the company can venture into new lending segments, such as student loans or mortgages, broadening its customer base and revenue streams.

Threats

LendingClub Corp faces threats that could impact its position in the market. One significant threat is the presence of competitors, including traditional financial institutions and other fintech companies. These competitors may have greater resources, established customer bases, and regulatory advantages, making it challenging for LendingClub Corp to maintain its market share and attract new users.

Additionally, the potential for fraudulent activities within the online lending industry poses a threat. LendingClub Corp must invest in robust security measures and fraud detection systems to protect users' information and funds. Any security breach or major fraud incident could severely damage the company's reputation and erode users' trust in the platform.

LendingClub Revenue by Segment

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Details

Revenue by Segment

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Overview of Revenue by Segment

The chart visualizes revenues by segments and provides a clear overview of the revenue distribution. Each segment is clearly marked to facilitate comparisons of revenues.

Interpretation and Use

The chart enables quick identification of the highest-revenue segments, which is helpful in strategic decision-making. It supports the analysis of growth potentials and targeted resource allocation.

Investment Strategy

An investment strategy determines how capital is deliberately invested into various asset classes to maximize returns. It is based on risk tolerance, investment objectives, and a long-term plan.

LendingClub Revenue by Segment

Segmente20192018
Transaction fees598.76 M USD526.94 M USD
Investor fees124.53 M USD114.88 M USD

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Details

Revenue by Segment

ⓘ

Overview of Revenue by Segment

The chart visualizes revenues by segments and provides a clear overview of the revenue distribution. Each segment is clearly marked to facilitate comparisons of revenues.

Interpretation and Use

The chart enables quick identification of the highest-revenue segments, which is helpful in strategic decision-making. It supports the analysis of growth potentials and targeted resource allocation.

Investment Strategy

An investment strategy determines how capital is deliberately invested into various asset classes to maximize returns. It is based on risk tolerance, investment objectives, and a long-term plan.

LendingClub Revenue by Segment

Segmente20192018
Transaction Fees598.76 M USD526.94 M USD
Referral Fees5.47 M USD3.65 M USD
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LendingClub Eulerpool Fair Value

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Fair Value

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Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

LendingClub historical P/E ratio, EBIT multiple, and P/S ratio

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LendingClub shares outstanding

The number of shares was LendingClub in 2024 — This indicates how many shares 113.123 M is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

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Number of stocks
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Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue LendingClub earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates LendingClub's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of LendingClub’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating LendingClub's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

LendingClub stock splits

In LendingClub's history, there have been no stock splits.
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Unfortunately, there are currently no price targets and forecasts available for LendingClub.

LendingClub latest earnings and earnings surprises

DateEPS EstimateEPS ActualQuarterly report
3/31/20250.11 0.1  (-8.59 %)2025 Q1
12/31/20240.09 0.08  (-14.53 %)2024 Q4
9/30/20240.07 0.13  (79.56 %)2024 Q3
6/30/20240.04 0.13  (220.99 %)2024 Q2
3/31/20240.03 0.11  (235.37 %)2024 Q1
12/31/20230.02 0.09  (492.11 %)2023 Q4
9/30/20230.04 0.05  (31.58 %)2023 Q3
6/30/20230.04 0.09  (106.9 %)2023 Q2
3/31/20230.1 0.13  (29.61 %)2023 Q1
12/31/20220.21 0.19  (-8.92 %)2022 Q4
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Eulerpool ESG Scorecard© for the LendingClub stock

Eulerpool World ESG Rating (EESG©)

26/ 100

🌱 Environment

2

👫 Social

31

🏛️ Governance

45

Environment

Scope 1 - Direct Emissions
Scope 2 - Indirect emissions from purchased energy
Scope 3 - Indirect emissions within the value chain
Total CO₂ emissions
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency

Social

Percentage of female employees44
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees49
White Management Share38
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic

Governance (Corporate Governance)

Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

LendingClub shareholders

%
Name
Stocks
Change
Date
10.45791 % The Vanguard Group, Inc.11,830,291-171,9293/31/2025
6.98217 % BlackRock Institutional Trust Company, N.A.7,898,437-43,1933/31/2025
5.33273 % Dimensional Fund Advisors, L.P.6,032,538-85,8153/31/2025
4.56817 % Wellington Management Company, LLP5,167,6421,368,0573/31/2025
4.21139 % Senvest Management, LLC4,764,0493,234,4623/31/2025
3.44521 % Driehaus Capital Management, LLC3,897,322308,5233/31/2025
3.04120 % State Street Global Advisors (US)3,440,294-2,3443/31/2025
2.35577 % Geode Capital Management, L.L.C.2,664,920111,2423/31/2025
1.89485 % Balyasny Asset Management LP2,143,51112,2583/31/2025
1.79869 % Long Focus Capital Management LLC2,034,725425,0003/31/2025
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5
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LendingClub Executives and Management Board

Mr. Scott Sanborn

(54)
LendingClub Chief Executive Officer, Director
Compensation 4.56 M

Mr. Andrew LaBenne

(50)
LendingClub Chief Financial Officer
Compensation 2.25 M

Ms. Annie Armstrong

(46)
LendingClub Chief Risk Officer
Compensation 1.7 M

Mr. Jordan Cheng

(49)
LendingClub General Counsel, Corporate Secretary
Compensation 778,023

Ms. Erin Selleck

(67)
LendingClub Independent Director
Compensation 292,507
1
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3

LendingClub Supply Chain

NameRelationshipTwo-week correlationOne-month correlationThree-Month CorrelationSix-Month CorrelationOne Year CorrelationTwo-Year Correlation
Bread Financial Holdings Stock
Bread Financial Holdings
SupplierCustomer0,870,89
LiveVox Holding A Stock
LiveVox Holding A
SupplierCustomer0,450,900,600,740,32-0,53
NBT Bancorp Stock
NBT Bancorp
SupplierCustomer-0,45-0,100,420,480,110,58
1

Most common questions regarding LendingClub

What values and corporate philosophy does LendingClub represent?

LendingClub Corp represents values of transparency, innovation, and customer-centricity in its corporate philosophy. With a mission to transform the banking system and make credit more accessible, LendingClub Corp empowers individuals to reach their financial goals. The company focuses on providing a seamless and personalized online lending experience, connecting borrowers with investors in a marketplace platform. LendingClub Corp's commitment to responsible lending and data-driven decision-making ensures that customers receive fair and competitive loan options. By leveraging technology and data analytics, LendingClub Corp succeeds in offering affordable loans with attractive interest rates to help individuals achieve their dreams while fostering a strong sense of trust and integrity within the financial industry.

In which countries and regions is LendingClub primarily present?

LendingClub Corp is primarily present in the United States.

What significant milestones has the company LendingClub achieved?

LendingClub Corp has achieved significant milestones since its inception. One of the key achievements is becoming the largest online credit marketplace, connecting borrowers with investors. They have facilitated billions of dollars in loans, providing individuals and small businesses with access to affordable credit. LendingClub Corp has also established strategic partnerships with leading financial institutions, further expanding their reach and offerings. Additionally, the company successfully went public on the New York Stock Exchange in 2014, symbolizing its growth and prominence in the industry. Throughout its journey, LendingClub Corp continues to revolutionize the lending landscape, empowering both borrowers and investors in the process.

What is the history and background of the company LendingClub?

LendingClub Corp is a leading peer-to-peer lending platform founded in 2006. The company's innovative online marketplace connects borrowers and investors, providing access to personal and business loans. LendingClub Corp revolutionized traditional lending by utilizing technology to streamline the lending process, cut costs, and offer competitive interest rates. As one of the largest online lending platforms, LendingClub Corp has facilitated billions of dollars in loans, empowering individuals and businesses to achieve their financial goals. The company's commitment to transparency, customer satisfaction, and responsible lending has earned it a strong reputation in the financial industry. With its proven track record, LendingClub Corp continues to play a significant role in the evolving landscape of online lending.

Who are the main competitors of LendingClub in the market?

The main competitors of LendingClub Corp in the market include leading peer-to-peer lending platforms such as Prosper Marketplace, Funding Circle, and Upstart. These companies also operate in the online lending space, offering similar services and competing for the same customer base. However, LendingClub Corp has established a strong market presence and competitive edge thanks to its extensive network of lenders and borrowers, robust technology platform, and innovative credit underwriting models.

In which industries is LendingClub primarily active?

LendingClub Corp is primarily active in the financial technology (fintech) industry.

What is the business model of LendingClub?

LendingClub Corp operates as a peer-to-peer lending platform that connects borrowers and investors. The business model of LendingClub Corp involves issuing personal loans to consumers and facilitating investment opportunities for individuals and institutions. Through its online marketplace, LendingClub Corp matches borrowers with investors, eliminating the need for traditional banks as intermediaries. This allows borrowers to access affordable loans and investors to earn attractive returns. LendingClub Corp generates revenue through transaction fees charged to borrowers and investors. By leveraging technology and data-driven algorithms, LendingClub Corp offers a streamlined and efficient lending and investment platform for individuals seeking financial solutions.

What is the P/E ratio of LendingClub 2025?

The P/E ratio cannot be calculated for LendingClub at the moment.

What is the P/S ratio of LendingClub 2025?

The P/S cannot be calculated for LendingClub currently.

What is the Quality Investing of LendingClub?

The Quality Investing for LendingClub is 2/10.

What is the revenue of LendingClub 2025?

The expected LendingClub revenue is 959.53 M USD.

How high is the profit of LendingClub 2025?

The expected LendingClub profit is 76.05 M USD.

What is the business model of LendingClub

LendingClub Corp was founded in 2006 and is headquartered in San Francisco, USA. The company's business model is based on a peer-to-peer lending network that allows borrowers to obtain loans from other individuals or institutional investors. The platform of LendingClub Corp acts as an intermediary between borrowers and investors, with the company focusing on providing a fast, efficient, and cost-effective way to raise capital and lend money. Borrowers can apply for loans on the platform that are funded by investors willing to lend the money. LendingClub Corp offers various types of loans, including personal loans, consolidation loans, auto loans, and loans for small businesses. Borrowers can apply online and receive a quick loan decision. Investors can choose from various investment options on the platform to invest their money. They can either invest in individual loans or diversify their risk by investing in a portfolio of loans. LendingClub Corp earns money through fees it charges borrowers and investors. Borrowers pay a one-time fee of 1% to 6% of the loan amount, while investors pay an annual servicing fee of 1%. The company also offers an automated investment service called "LendingClub Invest," which allows investors to diversify their portfolio without the hassle of manually selecting loans. The platform uses AI-based technology to optimize the investor's portfolio and minimize risk. Another product of LendingClub Corp is "LCX," a specialized investment platform for institutional investors. LCX provides institutional investors with access to a broader range of credit investments and also supports trading of loans on a secondary marketplace. LendingClub Corp has also formed partnerships with other companies to expand its business. For example, the company has partnered with Google to expand the offering of Google Pay to customers in the USA. Borrowers can apply for loans through Google Pay and receive a quick loan decision. Overall, the business model of LendingClub Corp has proven to be very successful. Since its inception, the company has facilitated over $100 billion in loans and now has over 3 million borrowers and over 200,000 investors on its platform. By leveraging the benefits of the peer-to-peer lending network, the company has created an efficient way to provide capital from investors while offering borrowers a cost-effective means of raising capital.

What is the LendingClub dividend?

LendingClub pays a dividend of 0 USD distributed over payouts per year.

How often does LendingClub pay dividends?

The dividend cannot currently be calculated for LendingClub or the company does not pay out a dividend.

What is the LendingClub ISIN?

The ISIN of LendingClub is US52603A2087.

What is the LendingClub WKN?

The WKN of LendingClub is A2PNFU.

What is the LendingClub ticker?

The ticker of LendingClub is LC.

How much dividend does LendingClub pay?

Over the past 12 months, LendingClub paid a dividend of . This corresponds to a dividend yield of about . For the coming 12 months, LendingClub is expected to pay a dividend of 0 USD.

What is the dividend yield of LendingClub?

The current dividend yield of LendingClub is .

When does LendingClub pay dividends?

LendingClub pays a quarterly dividend. This is distributed in the months of .

How secure is the dividend of LendingClub?

LendingClub paid dividends every year for the past 0 years.

What is the dividend of LendingClub?

For the upcoming 12 months, dividends amounting to 0 USD are expected. This corresponds to a dividend yield of 0 %.

In which sector is LendingClub located?

LendingClub is assigned to the 'Finance' sector.

Wann musste ich die Aktien von LendingClub kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of LendingClub from 8/1/2025 amounting to 0 USD, you needed to have the stock in your portfolio before the ex-date on 8/1/2025.

When did LendingClub pay the last dividend?

The last dividend was paid out on 8/1/2025.

What was the dividend of LendingClub in the year 2024?

In the year 2024, LendingClub distributed 0 USD as dividends.

In which currency does LendingClub pay out the dividend?

The dividends of LendingClub are distributed in USD.

All fundamentals about LendingClub

Our stock analysis for LendingClub Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of LendingClub Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.