Lending Club/$LC
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About Lending Club
LendingClub Corp is a company engaged in operating an online lending marketplace platform that connects borrowers and investors for the provision of the loan facility. It offers investors access to an asset class that has generally been closed to many investors and only available on a limited basis to institutional investors. The company through the platform offers loan products such as personal, education and patient finance, small business, and auto to interested investors. It generates a majority of the revenue from the transaction fees received from the platform's role in accepting and decisioning applications on behalf of the bank partners to enable loan originations.
Ticker
$LC
Sector
Primary listing
NYSE
Employees
1,002
Headquarters
Website
Lending Club Metrics
BasicAdvanced
$2.2B
21.15
$0.89
2.49
-
Price and volume
Market cap
$2.2B
Beta
2.49
52-week high
$19.88
52-week low
$7.90
Average daily volume
2.2M
Financial strength
Current ratio
15.42
Quick ratio
12.356
Long term debt to equity
1.069
Total debt to equity
1.308
Interest coverage (TTM)
2.66%
Profitability
EBITDA (TTM)
204.03
Gross margin (TTM)
29.76%
Net profit margin (TTM)
8.01%
Operating margin (TTM)
17.08%
Effective tax rate (TTM)
24.77%
Revenue per employee (TTM)
$1,290,000
Management effectiveness
Return on assets (TTM)
1.25%
Return on equity (TTM)
7.40%
Valuation
Price to earnings (TTM)
21.154
Price to revenue (TTM)
1.658
Price to book
1.49
Price to tangible book (TTM)
1.66
Price to free cash flow (TTM)
-0.999
Free cash flow yield (TTM)
-100.05%
Free cash flow per share (TTM)
-18.87
Growth
Revenue change (TTM)
16.98%
Earnings per share change (TTM)
91.85%
3-year revenue growth (CAGR)
1.30%
10-year revenue growth (CAGR)
4.26%
3-year earnings per share growth (CAGR)
-31.58%
10-year earnings per share growth (CAGR)
10.40%
What the Analysts think about Lending Club
Analyst ratings (Buy, Hold, Sell) for Lending Club stock.
Bulls say / Bears say
Strong Q2 execution: in Q2 2025 LendingClub grew loan originations 32% year-over-year to $2.4 billion, revenue rose 33% to $248.4 million, and EPS more than doubled to $0.33, driving a 20% stock rally. (Barron’s)
Raised full-year guidance: after stronger-than-expected Q3 results, management increased 2025 revenue guidance to $1.14 billion–$1.16 billion and net income to $230 million–$250 million, underscoring confidence in sustained growth and profitability. (Nasdaq)
Robust origination outlook: management forecasts Q3 2025 loan originations of $2.5 billion–$2.6 billion, implying mid-30% annual growth and signaling ongoing strong borrower demand. (Barron’s)
Broader fintech contagion risk: recent bankruptcies of subprime lenders Tricolor and PrimaLend have weighed on lending stocks—fintech peers lost $17.4 billion in market value recently—highlighting sector vulnerability that could spill over to LendingClub. (Barron’s)
Rising consumer debt stress: the resurgence of BNPL usage for essentials and the resumption of student loan payments may strain borrowers’ balance sheets and elevate default rates in LendingClub’s personal loan portfolio. (Financial Times)
Competitive intensity mounting: management’s recent projection of Q1 originations at $1.8 billion–$1.9 billion fell short of analyst expectations, while peers like SoFi originated $5.2 billion in personal loans last quarter, suggesting market share and growth could lag. (Nasdaq)
Data summarised monthly by Lightyear AI. Last updated on 2 Nov 2025.
Lending Club Financial Performance
Revenues and expenses
Lending Club Earnings Performance
Company profitability
Lending Club News
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FAQs
What’s the current market cap for Lending Club stock?
Lending Club (LC) has a market cap of $2.2B as of November 12, 2025.
What is the P/E ratio for Lending Club stock?
The price to earnings (P/E) ratio for Lending Club (LC) stock is 21.15 as of November 12, 2025.
Does Lending Club stock pay dividends?
No, Lending Club (LC) stock does not pay dividends to its shareholders as of November 12, 2025.
When is the next Lending Club dividend payment date?
Lending Club (LC) stock does not pay dividends to its shareholders.
What is the beta indicator for Lending Club?
Lending Club (LC) has a beta rating of 2.49. This means that it is more volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 2 would indicate the stock moves twice as much as the market.