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Upturn AI SWOT - About
LC 
LendingClub Corp (LC)
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Upturn Advisory Summary
09/17/2025: LC (4-star) is a STRONG-BUY. BUY since 63 days. Simulated Profits (53.48%). Updated daily EoD!
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Number of Analysts
9 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $17.95
1 Year Target Price $17.95
| 4 | Strong Buy |
| 3 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 132.35% | Avg. Invested days 39 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.97B USD | Price to earnings Ratio 26.88 | 1Y Target Price 17.95 |
Price to earnings Ratio 26.88 | 1Y Target Price 17.95 | ||
Volume (30-day avg) 9 | Beta 2.54 | 52 Weeks Range 7.90 - 18.75 | Updated Date 09/17/2025 |
52 Weeks Range 7.90 - 18.75 | Updated Date 09/17/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.64 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 5.93% | Operating Margin (TTM) 16.3% |
Management Effectiveness
Return on Assets (TTM) 0.61% | Return on Equity (TTM) 5.5% |
Valuation
Trailing PE 26.88 | Forward PE 11.35 | Enterprise Value 1243357568 | Price to Sales(TTM) 1.58 |
Enterprise Value 1243357568 | Price to Sales(TTM) 1.58 | ||
Enterprise Value to Revenue 2.25 | Enterprise Value to EBITDA 18.63 | Shares Outstanding 114740000 | Shares Floating 105392267 |
Shares Outstanding 114740000 | Shares Floating 105392267 | ||
Percent Insiders 2.94 | Percent Institutions 81.05 |
Upturn AI SWOT
LendingClub Corp
Company Overview
History and Background
LendingClub was founded in 2006 as a peer-to-peer lending platform connecting borrowers and investors. It went public in 2014 (NYSE: LC). In 2021, it acquired Radius Bank, becoming a full-fledged fintech bank.
Core Business Areas
- Personal Loans: Unsecured personal loans for debt consolidation, credit card refinancing, and home improvement.
- Small Business Loans: Loans designed to help small businesses with working capital, expansion, and other needs.
- Banking Services: Deposit accounts, checking accounts, and other banking services through LendingClub Bank.
- Auto Refinance: LendingClub offers auto refinance loans.
Leadership and Structure
Scott Sanborn is the CEO. The company has a board of directors and operates with a typical corporate structure with departments for technology, finance, marketing, and operations.
Top Products and Market Share
Key Offerings
- Market Share (%): 0
- Personal Loans: Unsecured personal loans are the core offering. LendingClub is a significant player in the online personal loan market. Competitors include Upstart, SoFi, and Prosper. Market share data is fluctuating and difficult to pin to an exact number but LendingClub is a leader in this segment. In 2023, LendingClub facilitated approximately $8 billion in personal loans.
- Market Share (%): 0
- Small Business Loans: Small business loans provide capital to SMEs. Competitors include Funding Circle, BlueVine, and traditional banks. LendingClub focuses on serving prime and near-prime borrowers.
- Banking Services: Deposit accounts, checking accounts, and other banking services, offering a hybrid approach to financial wellness. Competitors include Chase, Bank of America, and other neobanks. The integration of banking service is a key differentiator
- Market Share (%): 0
Market Dynamics
Industry Overview
The fintech lending industry is rapidly growing, driven by technological advancements and changing consumer preferences. Increased competition and regulatory scrutiny are major factors. Demand for digital banking solutions continues to grow.
Positioning
LendingClub positions itself as a fintech platform providing a range of financial products and services from personal loans to banking services. Its competitive advantage lies in combining the agility of a fintech company with the stability of a bank.
Total Addressable Market (TAM)
The TAM for personal loans and SME lending is estimated to be in the hundreds of billions of dollars. With the addition of banking services, the TAM is even larger. LendingClub's positioning allows it to capture a portion of each of these markets.
Upturn SWOT Analysis
Strengths
- Established Brand Recognition
- Technology Platform
- Access to Bank Funding
- Diversified Product Offering
- Strong Customer Base
Weaknesses
- Regulatory Scrutiny
- Interest Rate Sensitivity
- Credit Risk
- Dependence on Macroeconomic Conditions
- Competition from Banks and Fintechs
Opportunities
- Expand Banking Services
- Increase Cross-Selling
- Strategic Partnerships
- Technological Innovation
- Growing Demand for Fintech Solutions
Threats
- Economic Downturn
- Increased Competition
- Regulatory Changes
- Cybersecurity Risks
- Changing Consumer Preferences
Competitors and Market Share
Key Competitors
- UPST
- SOFI
- ALLY
Competitive Landscape
LendingClub faces competition from other fintech lenders, traditional banks, and credit unions. It differentiates itself through its technology platform and the combination of lending and banking services.
Major Acquisitions
Radius Bank
- Year: 2021
- Acquisition Price (USD millions): 185
- Strategic Rationale: The acquisition of Radius Bank allowed LendingClub to obtain a banking license, lower its cost of capital, and expand its product offerings.
Growth Trajectory and Initiatives
Historical Growth: LendingClub has experienced periods of rapid growth followed by stabilization or contraction depending on the economic climate and strategic shifts.
Future Projections: Future growth projections depend on analyst estimates, which factor in macroeconomic conditions, regulatory changes, and the company's strategic initiatives.
Recent Initiatives: Recent initiatives include expanding banking services, increasing cross-selling of products, and investing in technology to improve efficiency and customer experience.
Summary
LendingClub is a fintech company attempting to disrupt the traditional lending landscape. The company has grown in the personal loans arena, but has volatility. Acquiring Radius Bank brought stability in access to funds. However, they face headwinds from the general financial market and regulatory scrutiny. LendingClub will need to maintain cost discipline while growing their platform.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Industry Reports
- Analyst Estimates
- Company Website
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may vary. Financial data is subject to change.
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.
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