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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 0.14
NYSE:LC's Cash-to-Debt is ranked lower than
76% of the 449 Companies
in the Global Credit Services industry.

( Industry Median: 8.43 vs. NYSE:LC: 0.14 )
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: 0.14
0.03
0.31
Equity-to-Asset 0.21
NYSE:LC's Equity-to-Asset is ranked lower than
74% of the 413 Companies
in the Global Credit Services industry.

( Industry Median: 0.43 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 3.31
NYSE:LC's Debt-to-Equity is ranked lower than
76% of the 220 Companies
in the Global Credit Services industry.

( Industry Median: 1.40 vs. NYSE:LC: 3.31 )
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: 3.97 Max: 30.81
Current: 3.31
-36.83
30.81
Debt-to-EBITDA 4.61
NYSE:LC's Debt-to-EBITDA is ranked lower than
99.99% of the 283 Companies
in the Global Credit Services industry.

( Industry Median: 6.70 vs. NYSE:LC: 4.61 )
Ranked among companies with meaningful Debt-to-EBITDA only.
NYSE:LC' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0  Med: 0 Max: 4.61
Current: 4.61
0
4.61
Beneish M-Score: -1.71
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 : 3/10

vs
industry
vs
history
Net Margin % -23.75
NYSE:LC's Net Margin % is ranked lower than
88% of the 438 Companies
in the Global Credit Services industry.

( Industry Median: 13.22 vs. NYSE:LC: -23.75 )
Ranked among companies with meaningful Net Margin % only.
NYSE:LC' s Net Margin % Range Over the Past 10 Years
Min: -73.88  Med: -20.63 Max: 7.45
Current: -23.75
-73.88
7.45
ROE % -16.25
NYSE:LC's ROE % is ranked lower than
90% of the 436 Companies
in the Global Credit Services industry.

( Industry Median: 6.88 vs. NYSE:LC: -16.25 )
Ranked among companies with meaningful ROE % only.
NYSE:LC' s ROE % Range Over the Past 10 Years
Min: -16.25  Med: -6.32 Max: 1.95
Current: -16.25
-16.25
1.95
ROA % -3.24
NYSE:LC's ROA % is ranked lower than
85% of the 453 Companies
in the Global Credit Services industry.

( Industry Median: 2.32 vs. NYSE:LC: -3.24 )
Ranked among companies with meaningful ROA % only.
NYSE:LC' s ROA % Range Over the Past 10 Years
Min: -3.24  Med: -1.85 Max: 0.62
Current: -3.24
-3.24
0.62
3-Year Revenue Growth Rate -19.40
NYSE:LC's 3-Year Revenue Growth Rate is ranked lower than
87% of the 356 Companies
in the Global Credit Services industry.

( Industry Median: 6.60 vs. NYSE:LC: -19.40 )
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: -19.4 Max: 61.4
Current: -19.4
0
61.4
3-Year EPS without NRI Growth Rate 4.80
NYSE:LC's 3-Year EPS without NRI Growth Rate is ranked lower than
54% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 8.00 vs. NYSE:LC: 4.80 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NYSE:LC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 4.8
Current: 4.8
0
4.8
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: 2018-08-07)


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

» Details

Guru Trades

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%)
Chuck Royce 565,365 sh (unchged)
Chase Coleman 275,000 sh (unchged)
Frank Sands 23,732,346 sh (-5.81%)
» More
Q4 2017

LC Guru Trades in Q4 2017

Chase Coleman 275,000 sh (unchged)
Chris Davis Sold Out
Jim Simons Sold Out
Chuck Royce Sold Out
Paul Tudor Jones Sold Out
Steven Cohen Sold Out
Frank Sands 77,527 sh (-99.67%)
» More
Q1 2018

LC Guru Trades in Q1 2018

Chase Coleman 275,000 sh (unchged)
Frank Sands 70,442 sh (-9.14%)
» 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 2017-12-31 Sold Out $3.51 - $6.46 $ 3.26-35%0
Chris Davis 2017-09-30 Add 0.17%$4.96 - $6.45 $ 3.26-43%188,220
Chris Davis 2017-06-30 Reduce -27.70%$5.23 - $6.09 $ 3.26-43%187,898
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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Business Description

Industry: Credit Services » Credit Services    NAICS: 525990    SIC: 6153
Compare:TSE:8515, TSE:8589, LSE:PFG, OSTO:RESURS, BOM:531213, BKK:AEONTS-F, NAS:PRAA, BOM:532659, MEX:UNIFINA, MIL:BFF, TSX:EFN, WAR:KRU, NAS:QIWI, TSE:7172, TSE:8714, OTCPK:YUANF, TSE:8566, OSL:B2H, XTER:HYQ, TSX:ECN » 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

LENDINGCLUB SHAREHOLDER ALERT: CLAIMSFILER REMINDS INVESTORS WITH LOSSES IN EXCESS OF $100,000 of Lead Plaintiff Deadline in Class Action Lawsuit Against LendingClub Corporation - LC
Safirstein Metcalf LLP Announces That A Class Action Has Been Filed Against LendingClub Corporation – LC
The Klein Law Firm Announces a Class Action Filed on Behalf of LendingClub Corporation Shareholders and a Lead Plaintiff Deadline of July 2, 2018
SHAREHOLDER ALERT: Brower Piven Notifies Investors of Class Action Lawsuit And Encourages Those Who Have Losses In Excess Of $100,000 From Investment In LendingClub Corporation (NYSE: LC) To Contact Brower Piven Before The Lead Plaintiff Deadline
LC SHAREHOLDER ALERT: The Law Offices of Vincent Wong Notifies Investors of Commencement of a Class Action Involving LendingClub Corporation and a Lead Plaintiff Deadline of July 2, 2018
EQUITY NOTICE: Rosen Law Firm Files Securities Class Action Lawsuit Against LendingClub Corporation – LC
LENDINGCLUB SHAREHOLDER ALERT BY FORMER LOUISIANA ATTORNEY GENERAL: KAHN SWICK & FOTI, LLC REMINDS INVESTORS WITH LOSSES IN EXCESS OF $100,000 of Lead Plaintiff Deadline in Class Action Lawsuit Against LendingClub Corporation - LC
Thinking about buying stock in Lending Club, Macy's Incorporated, Micron, NVIDIA and AT&T?
Hagens Berman Alerts LendingClub Investors to the July 2, 2018 Securities Class Action Lead Plaintiff Deadline
RM LAW Announces Class Action Lawsuit Against LendingClub Corporation

Ratios

vs
industry
vs
history
Forward PE Ratio 40.98
LC's Forward PE Ratio is ranked lower than
100% of the 64 Companies
in the Global Credit Services industry.

( Industry Median: 12.50 vs. LC: 40.98 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PB Ratio 1.51
LC's PB Ratio is ranked lower than
65% of the 418 Companies
in the Global Credit Services industry.

( Industry Median: 1.19 vs. LC: 1.51 )
Ranked among companies with meaningful PB Ratio only.
LC' s PB Ratio Range Over the Past 10 Years
Min: 1.22  Med: 2.45 Max: 9.55
Current: 1.51
1.22
9.55
PS Ratio 2.07
LC's PS Ratio is ranked higher than
59% of the 414 Companies
in the Global Credit Services industry.

( Industry Median: 3.46 vs. LC: 2.07 )
Ranked among companies with meaningful PS Ratio only.
LC' s PS Ratio Range Over the Past 10 Years
Min: 1.68  Med: 4.71 Max: 42.41
Current: 2.07
1.68
42.41
EV-to-Revenue 6.09
LC's EV-to-Revenue is ranked lower than
63% of the 425 Companies
in the Global Credit Services industry.

( Industry Median: 5.35 vs. LC: 6.09 )
Ranked among companies with meaningful EV-to-Revenue only.
LC' s EV-to-Revenue Range Over the Past 10 Years
Min: 5.7  Med: 12.3 Max: 54.5
Current: 6.09
5.7
54.5

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -5.00
LC's 3-Year Average Share Buyback Ratio is ranked lower than
51% of the 194 Companies
in the Global Credit Services industry.

( Industry Median: -3.70 vs. LC: -5.00 )
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: -5 Max: 0
Current: -5
-7.2
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.60
LC's Price-to-Tangible-Book is ranked lower than
64% of the 409 Companies
in the Global Credit Services industry.

( Industry Median: 1.26 vs. LC: 1.60 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
LC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.6  Med: 2.69 Max: 10.57
Current: 1.6
1.6
10.57
Price-to-Median-PS-Value 0.44
LC's Price-to-Median-PS-Value is ranked higher than
79% of the 366 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. LC: 0.44 )
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: 0.44  Med: 1 Max: 8.85
Current: 0.44
0.44
8.85

More Statistics

Revenue (TTM) (Mil) $653.36
EPS (TTM) $ -0.38
Beta0.96
Volatility44.59%
52-Week Range $2.57 - 6.56
Shares Outstanding (Mil)419.66

Analyst Estimate

Dec18 Dec19 Dec20
Revenue (Mil $) 516 585 875
EBIT (Mil $) 40 108
EBITDA (Mil $) 91 172
EPS ($) 0.08 0.17 0.24
EPS without NRI ($) 0.08 0.17 0.24
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)

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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