Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
LC 
LendingClub Corp (LC)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
04/22/2025: LC (4-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Analysis of Past Performance
Type Stock | Historic Profit -20.79% | Avg. Invested days 30 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/22/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.08B USD | Price to earnings Ratio 20.56 | 1Y Target Price 17.15 |
Price to earnings Ratio 20.56 | 1Y Target Price 17.15 | ||
Volume (30-day avg) 1273061 | Beta 2.1 | 52 Weeks Range 7.48 - 18.75 | Updated Date 04/22/2025 |
52 Weeks Range 7.48 - 18.75 | Updated Date 04/22/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.45 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-04-28 | When Before Market | Estimate - | Actual - |
Profitability
Profit Margin 4.42% | Operating Margin (TTM) 3.53% |
Management Effectiveness
Return on Assets (TTM) 0.42% | Return on Equity (TTM) 3.96% |
Valuation
Trailing PE 20.56 | Forward PE 12.84 | Enterprise Value 123245232 | Price to Sales(TTM) 0.93 |
Enterprise Value 123245232 | Price to Sales(TTM) 0.93 | ||
Enterprise Value to Revenue 1.4 | Enterprise Value to EBITDA 18.63 | Shares Outstanding 113384000 | Shares Floating 109922306 |
Shares Outstanding 113384000 | Shares Floating 109922306 | ||
Percent Insiders 2.92 | Percent Institutions 78.09 |
Analyst Ratings
Rating 4.3 | Target Price 18.65 | Buy 3 | Strong Buy 5 |
Buy 3 | Strong Buy 5 | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
LendingClub Corp
Company Overview
History and Background
LendingClub was founded in 2006 and launched its peer-to-peer lending platform in 2007. It aimed to disrupt traditional banking by connecting borrowers and investors directly. It became a public company in 2014 (NYSE: LC). In 2020, LendingClub acquired Radius Bancorp, gaining a full banking license.
Core Business Areas
- Personal Loans: LendingClub's core business involves offering unsecured personal loans to consumers for debt consolidation, credit card refinancing, home improvement, and other purposes.
- Small Business Loans: LendingClub also provides small business loans to entrepreneurs and small business owners.
- Banking Services: Following the acquisition of Radius Bancorp, LendingClub offers deposit accounts, checking accounts, and other banking services.
Leadership and Structure
The leadership team is headed by CEO Scott Sanborn. The organizational structure includes various departments such as technology, finance, marketing, and operations, reporting to executive leadership.
Top Products and Market Share
Key Offerings
- Personal Loans: Unsecured personal loans ranging from $1,000 to $40,000. LendingClub's market share in the unsecured personal loan market is estimated around 25%. Competitors include Upstart (UPST), SoFi (SOFI), and Prosper.
- Small Business Loans: Loans designed for small businesses, offering financing for various business needs. Market share information is less readily available than personal loans, but LendingClub is a significant player. Competitors include Kabbage, Funding Circle, and traditional banks.
- High-Yield Savings: High-yield savings accounts offered via LendingClub Bank. No reliable revenue data specific to this product is publicly available. Competitors are numerous online banks offering similar products.
Market Dynamics
Industry Overview
The financial technology (fintech) industry is rapidly evolving, with increasing adoption of online lending and digital banking services. The industry faces regulatory scrutiny and competition from both traditional financial institutions and other fintech companies.
Positioning
LendingClub positions itself as a digital marketplace bank, offering a combination of loan products, banking services, and technology-driven solutions. Its competitive advantage includes its established online platform, data analytics capabilities, and a loyal customer base.
Total Addressable Market (TAM)
The TAM for unsecured consumer lending in the US is estimated to be in the hundreds of billions of dollars. LendingClub is well-positioned to capture a significant portion of this market with its expanding product offerings.
Upturn SWOT Analysis
Strengths
- Established online platform
- Banking license
- Data analytics capabilities
- Brand recognition
- Efficient loan origination process
Weaknesses
- Dependence on macroeconomic conditions
- Credit risk
- Regulatory uncertainty
- Potential for increased competition
- Profitability challenges
Opportunities
- Expansion into new product offerings
- Partnerships with other financial institutions
- Increased adoption of digital banking
- Growing demand for personalized financial services
- Further leverage of the banking license
Threats
- Economic downturn
- Increased regulatory scrutiny
- Rising interest rates
- Cybersecurity risks
- Competition from established banks and other fintech companies
Competitors and Market Share
Key Competitors
- UPST
- SOFI
- ALLY
Competitive Landscape
LendingClub benefits from its marketplace model. However, large banks and fintech companies like SoFi have strong brand recognition and diverse financial products.
Major Acquisitions
Radius Bancorp
- Year: 2021
- Acquisition Price (USD millions): 185
- Strategic Rationale: Acquisition provided LendingClub with a banking license, allowing it to offer deposit products and reduce its cost of funding.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been characterized by increasing loan originations and expanding product offerings. Growth was especially significant after acquiring a banking license.
Future Projections: Analyst projections vary, but generally anticipate continued growth in loan originations and revenue, driven by the company's digital banking strategy. No specific data is provided due to real time changes.
Recent Initiatives: Recent initiatives include focusing on high-yield savings accounts, personal loans, and leveraging its banking license for improved profitability.
Summary
LendingClub is attempting to reinvent itself by being a disruptor to traditional finance. The company is trying to use its banking license to cut costs. Macroeconomic conditions may affect LendingClub as well as greater regulatory attention and cybersecurity are ongoing concerns. The company is taking the right steps to evolve and needs time to see those efforts pay off.
Similar Companies
SOFI
SoFi Technologies Inc.
SOFI
SoFi Technologies Inc.
UPST
Upstart Holdings Inc
UPST
Upstart Holdings Inc
Sources and Disclaimers
Data Sources:
- Company reports
- Market research reports
- Financial news articles
- Analyst estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data and other metrics are estimates and may vary. Financial data should be independently verified.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About LendingClub Corp
Exchange NYSE | Headquaters San Francisco, CA, United States | ||
IPO Launch date 2014-12-11 | CEO & Director Mr. Scott C. Sanborn | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1002 | Website https://www.lendingclub.com |
Full time employees 1002 | Website https://www.lendingclub.com | ||
LendingClub Corporation, operates as a bank holding company, that provides range of financial products and services in the United States. It offers deposit products, including savings accounts, checking accounts, and certificates of deposit. The company also provides loan products, such as consumer loans comprising unsecured personal loans, secured auto refinance loans, and patient and education finance loans; and commercial loans, including small business loans. In addition, it operates a lending marketplace platform. The company was incorporated in 2006 and is headquartered in San Francisco, California.
Upturn is now on iOS and Android!
Experience Upturn on your mobile. Install it now!
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.