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Upturn AI SWOT - About
LC 
LendingClub Corp (LC)
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Upturn Advisory Summary
10/24/2025: LC (4-star) is a STRONG-BUY. BUY since 1 days. Simulated Profits (0.00%). 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 $20.25
1 Year Target Price $20.25
| 4 | Strong Buy |
| 3 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 104.96% | Avg. Invested days 35 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 10/24/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.13B USD | Price to earnings Ratio 28.8 | 1Y Target Price 20.25 |
Price to earnings Ratio 28.8 | 1Y Target Price 20.25 | ||
Volume (30-day avg) 9 | Beta 2.49 | 52 Weeks Range 7.90 - 19.88 | Updated Date 10/25/2025 |
52 Weeks Range 7.90 - 19.88 | Updated Date 10/25/2025 | ||
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 2025-10-22 | When After Market | Estimate 0.31 | Actual 0.37 |
Profitability
Profit Margin 8.01% | Operating Margin (TTM) 40.22% |
Management Effectiveness
Return on Assets (TTM) 1.25% | Return on Equity (TTM) 7.4% |
Valuation
Trailing PE 28.8 | Forward PE 9.88 | Enterprise Value 1297618560 | Price to Sales(TTM) 1.64 |
Enterprise Value 1297618560 | Price to Sales(TTM) 1.64 | ||
Enterprise Value to Revenue 1.97 | Enterprise Value to EBITDA 18.63 | Shares Outstanding 115301440 | Shares Floating 105968941 |
Shares Outstanding 115301440 | Shares Floating 105968941 | ||
Percent Insiders 2.88 | Percent Institutions 82.23 |
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 acquired Radius Bancorp in 2020, becoming a full-fledged bank. It has evolved from a pure marketplace lender to a fintech bank.
Core Business Areas
- Personal Loans: Unsecured loans to consumers for debt consolidation, credit card refinancing, home improvement, and other purposes. LendingClub connects borrowers with investors, offering loan amounts ranging from $1,000 to $40,000.
- Small Business Loans: Loans to small businesses for working capital, expansion, and other business needs.
- Banking Services: Includes deposit accounts, and other banking services offered after the acquisition of Radius Bancorp.
- Auto Refinance: Offers auto refinance loans to borrowers looking to lower their monthly payments or interest rates.
Leadership and Structure
The CEO is Scott Sanborn. The company has a board of directors and operates with a functional organizational structure, with departments for technology, finance, marketing, and operations.
Top Products and Market Share
Key Offerings
- Personal Loans: LendingClub's core product, facilitated through their online platform. Competitors include Upstart (UPST), SoFi Technologies (SOFI), and Prosper Marketplace. LendingClub facilitates billions of dollars in personal loans annually, but specific market share data fluctuates. Revenue from the loans is recognized through origination fees and interest income. While LendingClub originated $2.3 billion in personal loans during Q1 2024, precise market share is dynamic and dependent on total market volume for the period.
- Banking Services: Deposit accounts and other banking services offered through LendingClub Bank. Competitors include traditional banks and other fintech companies. LendingClub reports balances of savings accounts as part of the banking portfolio.
Market Dynamics
Industry Overview
The fintech lending industry is experiencing growth due to increased adoption of online lending platforms. The sector is driven by convenience, faster approval processes, and competitive interest rates. Increased regulation and economic uncertainty create headwinds.
Positioning
LendingClub is positioned as a fintech company that combines online lending with banking services. Its competitive advantages include its established brand, large user base, and access to funding through its banking operations.
Total Addressable Market (TAM)
The personal loan TAM is estimated to be hundreds of billions of dollars annually. LendingClub is positioned to capture a significant share of this market through its online platform and banking capabilities.
Upturn SWOT Analysis
Strengths
- Established brand in online lending
- Banking license provides a funding advantage
- Large user base
- Proprietary technology platform
- Diversified revenue streams
Weaknesses
- Dependence on macroeconomic conditions
- Credit risk associated with lending
- Regulatory scrutiny
- High marketing expenses
Opportunities
- Expansion into new product offerings
- Increased adoption of online lending
- Partnerships with other financial institutions
- Leveraging data analytics for improved risk management
Threats
- Increased competition from other fintech companies and traditional banks
- Economic downturn
- Changes in regulatory environment
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- UPST
- SOFI
- ALLY
- COIN
Competitive Landscape
LendingClub competes with other fintech companies, traditional banks, and credit unions. Its advantages include its established brand, banking license, and technology platform. Disadvantages include regulatory scrutiny and credit risk.
Major Acquisitions
Radius Bancorp
- Year: 2021
- Acquisition Price (USD millions): 185
- Strategic Rationale: The acquisition of Radius Bancorp enabled LendingClub to obtain a banking license and reduce its reliance on third-party funding.
Growth Trajectory and Initiatives
Historical Growth: LendingClub has experienced rapid growth in loan origination volume and revenue since its founding. The acquisition of Radius Bancorp has further accelerated its growth.
Future Projections: Analysts project continued growth for LendingClub, driven by increased adoption of online lending and the expansion of its banking services. Revenue estimates vary based on macroeconomic conditions.
Recent Initiatives: Recent initiatives include expanding its product offerings, investing in technology, and strengthening its risk management capabilities.
Summary
LendingClub has transformed into a fintech bank showing moderate success, but faces stiff competition. Having a banking license and an established presence is an advantage. They must vigilantly manage risk and navigate economic instability to ensure profitable growth. Its ability to innovate and adapt will be crucial for long-term survival.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Earnings Call Transcripts
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It is not financial advice. Market share data is approximate and may vary.
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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