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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 3/10

vs
industry
vs
history
Cash-to-Debt 0.11
NYSE:LC's Cash-to-Debt is ranked lower than
73% of the 421 Companies
in the Global Credit Services industry.

( Industry Median: 2.52 vs. NYSE:LC: 0.11 )
Ranked among companies with meaningful Cash-to-Debt only.
NYSE:LC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.03  Med: 0.12 Max: 0.31
Current: 0.11
0.03
0.31
Equity-to-Asset 0.21
NYSE:LC's Equity-to-Asset is ranked lower than
78% of the 405 Companies
in the Global Credit Services industry.

( Industry Median: 0.45 vs. NYSE:LC: 0.21 )
Ranked among companies with meaningful Equity-to-Asset only.
NYSE:LC' s Equity-to-Asset Range Over the Past 10 Years
Min: -0.12  Med: 0.18 Max: 0.25
Current: 0.21
-0.12
0.25
Debt-to-Equity 3.54
NYSE:LC's Debt-to-Equity is ranked lower than
81% of the 221 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. NYSE:LC: 3.54 )
Ranked among companies with meaningful Debt-to-Equity only.
NYSE:LC' s Debt-to-Equity Range Over the Past 10 Years
Min: -36.83  Med: 4.09 Max: 30.81
Current: 3.54
-36.83
30.81
Debt-to-EBITDA -65.58
NYSE:LC's Debt-to-EBITDA is ranked lower than
99.99% of the 276 Companies
in the Global Credit Services industry.

( Industry Median: 6.81 vs. NYSE:LC: -65.58 )
Ranked among companies with meaningful Debt-to-EBITDA only.
NYSE:LC' s Debt-to-EBITDA Range Over the Past 10 Years
Min: -132.43  Med: -30.62 Max: 235.45
Current: -65.58
-132.43
235.45
Beneish M-Score: -2.51
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 2/10

vs
industry
vs
history
Operating Margin % -17.14
NYSE:LC's Operating Margin % is ranked lower than
89% of the 414 Companies
in the Global Credit Services industry.

( Industry Median: 18.01 vs. NYSE:LC: -17.14 )
Ranked among companies with meaningful Operating Margin % only.
NYSE:LC' s Operating Margin % Range Over the Past 10 Years
Min: -73.88  Med: -14.91 Max: 7.45
Current: -17.14
-73.88
7.45
Net Margin % -17.06
NYSE:LC's Net Margin % is ranked lower than
90% of the 415 Companies
in the Global Credit Services industry.

( Industry Median: 12.72 vs. NYSE:LC: -17.06 )
Ranked among companies with meaningful Net Margin % only.
NYSE:LC' s Net Margin % Range Over the Past 10 Years
Min: -73.88  Med: -15.57 Max: 7.45
Current: -17.06
-73.88
7.45
ROE % -9.61
NYSE:LC's ROE % is ranked lower than
92% of the 412 Companies
in the Global Credit Services industry.

( Industry Median: 7.38 vs. NYSE:LC: -9.61 )
Ranked among companies with meaningful ROE % only.
NYSE:LC' s ROE % Range Over the Past 10 Years
Min: -14.47  Med: -3.41 Max: 1.95
Current: -9.61
-14.47
1.95
ROA % -1.80
NYSE:LC's ROA % is ranked lower than
86% of the 427 Companies
in the Global Credit Services industry.

( Industry Median: 2.26 vs. NYSE:LC: -1.80 )
Ranked among companies with meaningful ROA % only.
NYSE:LC' s ROA % Range Over the Past 10 Years
Min: -2.96  Med: -1.13 Max: 0.62
Current: -1.8
-2.96
0.62
3-Year Revenue Growth Rate 62.50
NYSE:LC's 3-Year Revenue Growth Rate is ranked higher than
91% of the 349 Companies
in the Global Credit Services industry.

( Industry Median: 7.00 vs. NYSE:LC: 62.50 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NYSE:LC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 31.25 Max: 62.5
Current: 62.5
0
62.5
GuruFocus has detected 4 Warning Signs with LendingClub Corp NYSE:LC.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NYSE:LC's 30-Y Financials

Financials (Next Earnings Date: 2018-02-14)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q4 2016

LC Guru Trades in Q4 2016

Chuck Royce 335,000 sh (New)
Steven Cohen 1,277,000 sh (+825.36%)
Jim Simons 2,182,697 sh (+53.92%)
Chris Davis 683,402 sh (+1.23%)
Chase Coleman 275,000 sh (unchged)
John Burbank Sold Out
Frank Sands 29,256,320 sh (-11.76%)
» More
Q1 2017

LC Guru Trades in Q1 2017

Chuck Royce 519,365 sh (+55.03%)
Chase Coleman 275,000 sh (unchged)
Jim Simons Sold Out
Frank Sands 27,569,852 sh (-5.76%)
Steven Cohen 1,074,785 sh (-15.84%)
Chris Davis 259,898 sh (-61.97%)
» More
Q2 2017

LC Guru Trades in Q2 2017

Jim Simons 1,368,300 sh (New)
Paul Tudor Jones 72,242 sh (New)
Chuck Royce 565,365 sh (+8.86%)
Chase Coleman 275,000 sh (unchged)
Steven Cohen Sold Out
Frank Sands 25,195,610 sh (-8.61%)
Chris Davis 187,898 sh (-27.70%)
» More
Q3 2017

LC Guru Trades in Q3 2017

Steven Cohen 553,900 sh (New)
Jim Simons 4,304,500 sh (+214.59%)
Paul Tudor Jones 127,926 sh (+77.08%)
Chris Davis 188,220 sh (+0.17%)
Chase Coleman 275,000 sh (unchged)
Chuck Royce 565,365 sh (unchged)
Frank Sands 23,732,346 sh (-5.81%)
» More
» Details

Insider Trades

Latest Guru Trades with LC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Chris Davis 2017-09-30 Add 0.17%$4.96 - $6.45 $ 4.28-26%188,220
Chris Davis 2017-06-30 Reduce -27.70%$5.23 - $6.09 $ 4.28-25%187,898
Chris Davis 2017-03-31 Reduce -61.97%0.01%$5.05 - $6.68 $ 4.28-25%259,898
Chris Davis 2016-12-31 Add 1.23%$4.7 - $6.52 $ 4.28-22%683,402
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Credit Services » Credit Services    NAICS: 525990    SIC: 6153
Compare:MIL:CERV, NYSE:NNI, BKK:MTLS, BKK:SAWAD, NSE:SHRIRAMCIT, NYSE:YRD, NSE:HUDCO, NSE:CHOLAFIN, NSE:BHARATFIN, TSE:7164, TSE:8585, HKSE:08207, NSE:SUNDARMFIN, NAS:HAWK, NYSE:GDOT, TSX:EFN, BOM:533398, TPE:5871, HKSE:01606, LSE:PFG » details
Traded in other countries:8LC.Germany,
Headquarter Location:USA
LendingClub Corp is an online marketplace connecting borrowers and investors to engage in transactions relating to standard or custom program loans.

LendingClub operates the world's largest online credit marketplace that facilitates loans to consumers and businesses, giving investors a direct opportunity to finance consumer and business loans. The company derives fees from loan originations (90% of revenue) and loan servicing (less than 10% of revenue but growing). LendingClub has originated over $15 billion of loans since 2007, primarily unsecured consumer loans, and is beginning to offer small-business loans through partnership distribution channels.

Top Ranked Articles about LendingClub Corp

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A Great Resource for Disruptive Innovations An introduction to ARK Investment
In May of last year, I wrote an article titled "Adapt or Fail: Watch Out for Disruptive Technologies." At the end of the article, I came to the following conclusion: Read more...
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This is the second part of my summary notes of Alex Moazed and Nicholas Johnson’s wonderful book, "Modern Monopolies – What It Takes to Dominate the 21st Century Economy." My notes in my last article were about the big picture ideas. Today’s notes are about how different platform types need different disigns and why it's important to get the design right from the start. Read more...
LendingClub Schedules Third Quarter 2017 Earnings Release and Conference Call
Lifshitz & Miller LLP Announces Investigation of Foundation Medicine, Inc., Health Insurance Innovations, Inc., Juno Therapeutics, Inc., LendingClub Corporation, MiMedx Group, Inc., Ooma, Inc. and SCANA Corporation
LendingClub Closes Second Self-Sponsored Securitization to Further Expand Investor Access
How Fintech Is Reshaping the Small Loan Market LendingClub and peers are a disruptive force, but for how long?
The financial technology market has emerged as one of the most promising places to invest in the financial services sector. This segment of the industry has influenced changes in the insurance sector, the stock market, the payments market as well as the credit market. Startups and existing small businesses have capitalized on the revolution of the financial services sector to launch their businesses online as well as gain access to competitive lines of credit. Read more...
LendingClub To Hold 2017 Investor Day
Chase Coleman Adds to Apollo Global Stake The guru has consistently increased the position since March
Tiger Global Management founder Chase Coleman (Trades, Portfolio) increased his Apollo Global Management LLC (NYSE:APO) stake by 0.76% on July 20. Read more...

Ratios

vs
industry
vs
history
Forward PE Ratio 25.19
LC's Forward PE Ratio is ranked lower than
96% of the 50 Companies
in the Global Credit Services industry.

( Industry Median: 12.03 vs. LC: 25.19 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PB Ratio 1.78
LC's PB Ratio is ranked lower than
76% of the 405 Companies
in the Global Credit Services industry.

( Industry Median: 1.21 vs. LC: 1.78 )
Ranked among companies with meaningful PB Ratio only.
LC' s PB Ratio Range Over the Past 10 Years
Min: 1.27  Med: 2.59 Max: 9.55
Current: 1.78
1.27
9.55
PS Ratio 3.13
LC's PS Ratio is ranked lower than
59% of the 401 Companies
in the Global Credit Services industry.

( Industry Median: 3.46 vs. LC: 3.13 )
Ranked among companies with meaningful PS Ratio only.
LC' s PS Ratio Range Over the Past 10 Years
Min: 2.71  Med: 4.87 Max: 42.41
Current: 3.13
2.71
42.41
EV-to-EBIT -51.99
LC's EV-to-EBIT is ranked lower than
99.99% of the 345 Companies
in the Global Credit Services industry.

( Industry Median: 17.60 vs. LC: -51.99 )
Ranked among companies with meaningful EV-to-EBIT only.
LC' s EV-to-EBIT Range Over the Past 10 Years
Min: -4216.9  Med: -67.85 Max: 983.5
Current: -51.99
-4216.9
983.5
EV-to-EBITDA -91.65
LC's EV-to-EBITDA is ranked lower than
99.99% of the 350 Companies
in the Global Credit Services industry.

( Industry Median: 15.57 vs. LC: -91.65 )
Ranked among companies with meaningful EV-to-EBITDA only.
LC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -1179  Med: -65.7 Max: 2999.6
Current: -91.65
-1179
2999.6
EV-to-Revenue 8.92
LC's EV-to-Revenue is ranked lower than
70% of the 408 Companies
in the Global Credit Services industry.

( Industry Median: 5.42 vs. LC: 8.92 )
Ranked among companies with meaningful EV-to-Revenue only.
LC' s EV-to-Revenue Range Over the Past 10 Years
Min: 8.9  Med: 12.55 Max: 54.5
Current: 8.92
8.9
54.5

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -7.20
LC's 3-Year Average Share Buyback Ratio is ranked lower than
61% of the 218 Companies
in the Global Credit Services industry.

( Industry Median: -2.50 vs. LC: -7.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
LC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -7.2  Med: -3.6 Max: 0
Current: -7.2
-7.2
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.89
LC's Price-to-Tangible-Book is ranked lower than
74% of the 398 Companies
in the Global Credit Services industry.

( Industry Median: 1.28 vs. LC: 1.89 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
LC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.8  Med: 3.01 Max: 10.57
Current: 1.89
1.8
10.57
Price-to-Median-PS-Value 0.64
LC's Price-to-Median-PS-Value is ranked higher than
65% of the 376 Companies
in the Global Credit Services industry.

( Industry Median: 1.01 vs. LC: 0.64 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
LC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.64  Med: 1.15 Max: 8.55
Current: 0.64
0.64
8.55
Earnings Yield (Greenblatt) % -1.92
LC's Earnings Yield (Greenblatt) % is ranked lower than
88% of the 430 Companies
in the Global Credit Services industry.

( Industry Median: 4.19 vs. LC: -1.92 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
LC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -3.3  Med: -1.3 Max: 0.1
Current: -1.92
-3.3
0.1

More Statistics

Revenue (TTM) (Mil) $551.56
EPS (TTM) $ -0.23
Short Percentage of Float10.45%
52-Week Range $4.05 - 6.79
Shares Outstanding (Mil)414.87

Analyst Estimate

Dec17 Dec18 Dec19 Dec20
Revenue (Mil $) 582 691 835 876
EPS ($) 0.00 0.15 0.27 0.36
EPS without NRI ($) 0.00 0.15 0.27 0.36
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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