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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
72% of the 435 Companies
in the Global Credit Services industry.

( Industry Median: 0.61 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 0.20
NYSE:LC's Equity-to-Asset is ranked lower than
75% of the 408 Companies
in the Global Credit Services industry.

( Industry Median: 0.43 vs. NYSE:LC: 0.20 )
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: 0.2
-0.12
0.25
Debt-to-Equity 3.54
NYSE:LC's Debt-to-Equity is ranked lower than
82% of the 266 Companies
in the Global Credit Services industry.

( Industry Median: 1.16 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 -24.42
NYSE:LC's Debt-to-EBITDA is ranked lower than
99.99% of the 280 Companies
in the Global Credit Services industry.

( Industry Median: 6.49 vs. NYSE:LC: -24.42 )
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: -24.42
-132.43
235.45
Beneish M-Score: -2.51
WACC vs ROIC
21.22%
-3.65%
WACC
ROIC
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 % -26.70
NYSE:LC's Operating Margin % is ranked lower than
90% of the 432 Companies
in the Global Credit Services industry.

( Industry Median: 19.77 vs. NYSE:LC: -26.70 )
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: -26.7
-73.88
7.45
Net Margin % -26.78
NYSE:LC's Net Margin % is ranked lower than
88% of the 432 Companies
in the Global Credit Services industry.

( Industry Median: 13.62 vs. NYSE:LC: -26.78 )
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: -26.78
-73.88
7.45
ROE % -15.87
NYSE:LC's ROE % is ranked lower than
90% of the 429 Companies
in the Global Credit Services industry.

( Industry Median: 6.96 vs. NYSE:LC: -15.87 )
Ranked among companies with meaningful ROE % only.
NYSE:LC' s ROE % Range Over the Past 10 Years
Min: -15.87  Med: -3.41 Max: 1.95
Current: -15.87
-15.87
1.95
ROA % -3.05
NYSE:LC's ROA % is ranked lower than
84% of the 446 Companies
in the Global Credit Services industry.

( Industry Median: 2.27 vs. NYSE:LC: -3.05 )
Ranked among companies with meaningful ROA % only.
NYSE:LC' s ROA % Range Over the Past 10 Years
Min: -3.05  Med: -1.13 Max: 0.62
Current: -3.05
-3.05
0.62
3-Year Revenue Growth Rate 62.50
NYSE:LC's 3-Year Revenue Growth Rate is ranked higher than
91% of the 351 Companies
in the Global Credit Services industry.

( Industry Median: 6.60 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: 2018-05-04)


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

» Details

Guru Trades

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
Q4 2017

LC Guru Trades in Q4 2017

Chase Coleman 275,000 sh (unchged)
Paul Tudor Jones Sold Out
Steven Cohen Sold Out
Chuck Royce Sold Out
Chris Davis Sold Out
Jim Simons Sold Out
Frank Sands 77,527 sh (-99.67%)
» 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 $ 3.77-24%0
Chris Davis 2017-09-30 Add 0.17%$4.96 - $6.45 $ 3.77-35%188,220
Chris Davis 2017-06-30 Reduce -27.70%$5.23 - $6.09 $ 3.77-34%187,898
Chris Davis 2017-03-31 Reduce -61.97%0.01%$5.05 - $6.68 $ 3.77-34%259,898
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:LSE:PFG, TSE:8515, BOM:531213, BOM:532659, NAS:PRAA, TSE:8589, BKK:KTC, NAS:HAWK, OSTO:RESURS, WAR:KRU, NSE:BHARATFIN, NSE:SHRIRAMCIT, BKK:SAWAD, NYSE:PPDF, MIL:BFF, MEX:UNIFINA, NYSE:NNI, TSX:ECN, TSE:8566, BOM:532938 » 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

Will LendingClub Turn a Corner in 2018? Company will report fourth-quarter and full-year 2017 results on Feb. 20
LendingClub Corp. (NYSE:LC) is expected on Tuesday to release its fourth-quarter and full-year earnings, sparking the attention of inestors who are interested in the company. Read more...
LendingClub Schedules Fourth Quarter 2017 Earnings Release and Conference Call
Will Markets Ever Live Up to Our Expectations Some bubbles burst too soon while others never really reach their peak
The "internet bubble" marks one of the most popular periods in the stock market. From an investing perspective, it started in the mid-90s and ended with a burst in the early 2000s. Yet, to this day, it is still pretty much a major contributor to several other bubbles. Some have come and gone while others never really lived up to expectations. Read more...
Guidant Financial And LendingClub Report On The State Of U.S. Small Business In 2017
LendingClub Continues to Caution Investors Against Unsolicited Exchange Offer from IEG Holdings
LendingClub Appoints Patty McCord to its Board of Directors
LendingClub Holds First Investor Day in New York on December 7, 2017
New Research: Key Drivers of Growth for LendingClub, Textron, Allison Transmission, Lyon William Homes, Korn/Ferry International, and American Woodmark — Factors of Influence, Major Initiatives and Sustained Production
LendingClub Closes First-of-Its-Kind Transaction in Marketplace Lending
Stull, Stull & Brody's Investigation Into Claims on Behalf of LendingClub's (NYSE:LC) Employee Stock Purchase Plans Is Continuing

Ratios

vs
industry
vs
history
Forward PE Ratio 48.78
LC's Forward PE Ratio is ranked lower than
100% of the 52 Companies
in the Global Credit Services industry.

( Industry Median: 11.03 vs. LC: 48.78 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PB Ratio 1.69
LC's PB Ratio is ranked lower than
58% of the 414 Companies
in the Global Credit Services industry.

( Industry Median: 1.18 vs. LC: 1.69 )
Ranked among companies with meaningful PB Ratio only.
LC' s PB Ratio Range Over the Past 10 Years
Min: 1.27  Med: 2.52 Max: 9.55
Current: 1.69
1.27
9.55
PS Ratio 2.77
LC's PS Ratio is ranked higher than
60% of the 409 Companies
in the Global Credit Services industry.

( Industry Median: 3.61 vs. LC: 2.77 )
Ranked among companies with meaningful PS Ratio only.
LC' s PS Ratio Range Over the Past 10 Years
Min: 2.57  Med: 4.73 Max: 42.41
Current: 2.77
2.57
42.41
EV-to-EBIT -30.65
LC's EV-to-EBIT is ranked lower than
99.99% of the 351 Companies
in the Global Credit Services industry.

( Industry Median: 16.93 vs. LC: -30.65 )
Ranked among companies with meaningful EV-to-EBIT only.
LC' s EV-to-EBIT Range Over the Past 10 Years
Min: -4216.9  Med: -59.1 Max: 983.5
Current: -30.65
-4216.9
983.5
EV-to-EBITDA -38.85
LC's EV-to-EBITDA is ranked lower than
99.99% of the 361 Companies
in the Global Credit Services industry.

( Industry Median: 15.84 vs. LC: -38.85 )
Ranked among companies with meaningful EV-to-EBITDA only.
LC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -1179  Med: -71.85 Max: 2999.6
Current: -38.85
-1179
2999.6
EV-to-Revenue 8.19
LC's EV-to-Revenue is ranked lower than
65% of the 414 Companies
in the Global Credit Services industry.

( Industry Median: 5.68 vs. LC: 8.19 )
Ranked among companies with meaningful EV-to-Revenue only.
LC' s EV-to-Revenue Range Over the Past 10 Years
Min: 8.3  Med: 12.3 Max: 54.5
Current: 8.19
8.3
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
56% of the 191 Companies
in the Global Credit Services industry.

( Industry Median: -4.90 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 1.69
LC's Price-to-Tangible-Book is ranked lower than
59% of the 405 Companies
in the Global Credit Services industry.

( Industry Median: 1.25 vs. LC: 1.69 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
LC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.69  Med: 3.01 Max: 10.57
Current: 1.69
1.69
10.57
Price-to-Median-PS-Value 0.58
LC's Price-to-Median-PS-Value is ranked higher than
82% of the 365 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. LC: 0.58 )
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: 0.58  Med: 1.18 Max: 8.78
Current: 0.58
0.58
8.78
Earnings Yield (Greenblatt) % -3.27
LC's Earnings Yield (Greenblatt) % is ranked lower than
87% of the 445 Companies
in the Global Credit Services industry.

( Industry Median: 4.18 vs. LC: -3.27 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
LC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -3.3  Med: -1.6 Max: 0.1
Current: -3.27
-3.3
0.1

More Statistics

Revenue (TTM) (Mil) $574.54
EPS (TTM) $ -0.37
Beta1.14
Short Percentage of Float9.59%
52-Week Range $3.29 - 6.56
Shares Outstanding (Mil)414.87

Analyst Estimate

Dec18 Dec19 Dec20
Revenue (Mil $) 668 785 893
EBIT (Mil $)
EBITDA (Mil $)
EPS ($) 0.05 0.14 0.21
EPS without NRI ($) 0.05 0.14 0.21
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)

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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