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Upturn AI SWOT - About
LC 
LendingClub Corp (LC)
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Upturn Advisory Summary
07/08/2025: LC (5-star) is a STRONG-BUY. BUY since 13 days. Profits (10.52%). Updated daily EoD!
Upturn Star Rating
Outstanding Performance
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
Number of Analysts
9 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $15.35
1 Year Target Price $15.35
| 4 | Strong Buy |
| 3 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 67.31% | Avg. Invested days 32 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/08/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.40B USD | Price to earnings Ratio 27.84 | 1Y Target Price 15.35 |
Price to earnings Ratio 27.84 | 1Y Target Price 15.35 | ||
Volume (30-day avg) 9 | Beta 2.43 | 52 Weeks Range 7.90 - 18.75 | Updated Date 07/8/2025 |
52 Weeks Range 7.90 - 18.75 | Updated Date 07/8/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.44 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 4.25% | Operating Margin (TTM) 5.24% |
Management Effectiveness
Return on Assets (TTM) 0.41% | Return on Equity (TTM) 3.86% |
Valuation
Trailing PE 27.84 | Forward PE 17.12 | Enterprise Value 503881984 | Price to Sales(TTM) 1.17 |
Enterprise Value 503881984 | Price to Sales(TTM) 1.17 | ||
Enterprise Value to Revenue 1.73 | Enterprise Value to EBITDA 18.63 | Shares Outstanding 114200000 | Shares Floating 104988474 |
Shares Outstanding 114200000 | Shares Floating 104988474 | ||
Percent Insiders 2.97 | Percent Institutions 80.48 |
Upturn AI SWOT
LendingClub Corp
Company Overview
History and Background
LendingClub Corp was founded in 2006 as a peer-to-peer lending platform. It went public in 2014 and later acquired Radius Bancorp in 2021 to become a full-fledged fintech bank.
Core Business Areas
- Personal Loans: Offers unsecured personal loans for debt consolidation, credit card refinancing, home improvement, and other purposes.
- Small Business Loans: Provides loans to small businesses for various needs, including working capital, expansion, and equipment financing.
- Auto Refinance Loans: Offers auto refinance loans to borrowers looking to lower their monthly payments or interest rates on their existing auto loans.
- Banking Services: Offers deposit accounts, debit cards, and other banking services through its digital bank subsidiary.
Leadership and Structure
The CEO of LendingClub Corp is Scott Sanborn. The company operates with a typical corporate structure including executive leadership and a board of directors.
Top Products and Market Share
Key Offerings
- Personal Loans: LendingClub's primary offering, enabling borrowers to access unsecured loans for various purposes. Competitors include Upstart, SoFi, and Prosper. LendingClub is a leading provider in the personal loan space but the exact market share % fluctuates and precise recent data is hard to directly ascertain without extensive confidential resources. Their revenue relies heavily on this particular product.
- Banking Services: Including high-yield savings accounts and other banking products, offered through the Radius Bank acquisition. Competitors include Ally Bank, Discover Bank, and other online banks. This segment is growing but contributes less to total revenue compared to personal loans.
Market Dynamics
Industry Overview
The fintech lending industry is experiencing growth driven by increasing consumer demand for online financial services. Regulation and economic conditions heavily influence this space.
Positioning
LendingClub positions itself as a technology-driven financial services company offering accessible and transparent lending solutions. Its competitive advantage lies in its online platform and data-driven credit assessment capabilities.
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, with its bank charter, is positioned to capture a larger share of this market by offering a wider range of products and services.
Upturn SWOT Analysis
Strengths
- Established online lending platform
- Proprietary credit scoring models
- Bank charter provides access to cheaper capital
- Strong brand recognition
- Data driven analytics
Weaknesses
- Dependence on macroeconomic conditions
- Regulatory risks
- Competition from traditional banks and other fintech lenders
- Credit risk associated with unsecured lending
- Negative impact on cash flow from loan originations
Opportunities
- Expansion into new product lines (e.g., credit cards)
- Partnerships with other financial institutions
- Increased adoption of online lending
- Further development of data analytics capabilities
- Growing banking customer base
Threats
- Economic downturn could increase loan defaults
- Increased regulatory scrutiny
- Cybersecurity risks
- Rising interest rates
- New entrants in the fintech lending market
Competitors and Market Share
Key Competitors
- SOFI
- UPST
- ONEM
Competitive Landscape
LendingClub faces competition from established banks, other fintech lenders, and credit unions. LendingClub's bank charter provides a competitive advantage, but it must manage regulatory risks and maintain its technology edge.
Major Acquisitions
Radius Bancorp
- Year: 2021
- Acquisition Price (USD millions): 185
- Strategic Rationale: The acquisition of Radius Bancorp provided LendingClub with a bank charter, allowing it to offer a wider range of products and services and lower its cost of capital.
Growth Trajectory and Initiatives
Historical Growth: LendingClub has experienced both periods of rapid growth and periods of slower growth, influenced by economic conditions and strategic decisions.
Future Projections: Analyst projections for LendingClub's future growth fluctuate depending on their specific financial models and industry analysis. Check recent analyst reports for specific targets.
Recent Initiatives: Recent initiatives include expanding banking services, enhancing its technology platform, and improving credit scoring models.
Summary
LendingClub is a fintech company transforming into a full-fledged bank, leveraging its technology and data-driven approach. Its acquisition of Radius Bancorp was a strategic move to lower capital costs and diversify its revenue streams. While competition remains fierce and macroeconomic factors present risks, LendingClub's future growth hinges on its ability to innovate and manage credit risk effectively. The company needs to closely monitor regulatory changes and adapt to evolving consumer preferences to maintain its competitive edge.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q), Analyst Reports, Press Releases, Investor Presentations
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor. Market data is dynamic and 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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