LendingClub (NYSE:LC) Debt-to-Revenue

: 0.12 (As of Mar. 2023)

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Debt-to-Revenue measures a company's ability to pay off its debt.

LendingClub's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2023 was $1 Mil. LendingClub's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2023 was $115 Mil. LendingClub's annualized Revenue for the quarter that ended in Mar. 2023 was $963 Mil. LendingClub's annualized Debt-to-Revenue for the quarter that ended in Mar. 2023 was 0.12.

LendingClub Debt-to-Revenue Historical Data

The historical data trend for LendingClub's Debt-to-Revenue can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

LendingClub Annual Data

Trend

Dec13

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Debt-to-Revenue

4.40

2.49

3.25

0.54

0.12

LendingClub Quarterly Data
	Jun18	Sep18	Dec18	Mar19	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23
Debt-to-Revenue																0.27	0.19	0.17	0.14	0.12

Competitive Comparison

For the Credit Services subindustry, LendingClub's Debt-to-Revenue, along with its competitors' market caps and Debt-to-Revenue data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Annual Data Quarterly Data

LendingClub Debt-to-Revenue Distribution

For the Credit Services industry and Financial Services sector, LendingClub's Debt-to-Revenue distribution charts can be found below:

* The bar in red indicates where LendingClub's Debt-to-Revenue falls in comparison to its industry or sector. The grey bar indicates the Debt-to-Revenue's extreme value range as defined by GuruFocus.

LendingClub Debt-to-Revenue Calculation

Debt-to-Revenue measures a company's ability to pay off its debt.

LendingClub's Debt-to-Revenue for the fiscal year that ended in Dec. 2022 is calculated as

Debt-to-Revenue	=	Total Debt			/	Revenue
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Revenue
	=	(2.619	+	140.801)	/	1166.544
	=	0.12

LendingClub's annualized Debt-to-Revenue for the quarter that ended in Mar. 2023 is calculated as

Debt-to-Revenue	=	Total Debt			/	Revenue
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Revenue
	=	(1.392	+	115.239)	/	962.908
	=	0.12

In the calculation of annual Debt-to-Revenue, the Revenue of the last fiscal year is used. In calculating the annualized quarterly data, the Revenue data used here is four times the quarterly (Mar. 2023) Revenue data.

LendingClub Debt-to-Revenue Related Terms

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LendingClub (NYSE:LC) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Credit Services » LendingClub Corp (NYSE:LC) » Definitions » Debt-to-Revenue

Comparable Companies

Traded in Other Exchanges

8LCA:Germany

Address

595 Market Street, Suite 200, San Francisco, CA, USA, 94105

Website

https://www.lendingclub.com

LendingClub Corp is a company engaged in operating an online lending marketplace platform that connects borrowers and investors for the provision of the loan facility. It offers investors access to an asset class that has generally been closed to many investors and only available on a limited basis to institutional investors. The company through the platform offer loan products such as personal, education and patient finance, small business and auto to interested investors. It generates a majority of the revenue from the transaction fees received from the platform's role in accepting and decisioning applications on behalf of the bank partners to enable loan originations.

Executives

Andrew Labenne	officer: Chief Financial Officer	C/O BAKKT HOLDINGS, INC., 5500 WINDWARD PKWY., SUITE 450, ALPHARETTE GA 30005
Kathryn Reimann	director	C/O LENDINGCLUB CORPORATION, 595 MARKET ST., #200, SAN FRANCISCO CA 94105
Syed Faiz Ahmad	director	7601 SOUTHWEST PARKWAY, AUSTIN TX 78735
Adrienne Harris	director	150 NORTH RIVERSIDE PLAZA, SUITE 5200, CHICAGO IL 60606
Allan R Landon	director	130 MERCHANT ST 22ND FLR, HONOLULU HI 96813
Erin Selleck	director	C/O BROADWAY FINANCIAL CORPORATION, 5055 WILSHIRE BLVD. SUITE 500, LOS ANGELES CA 90036
Annie Armstrong	officer: Chief Risk Officer	C/O LENDINGCLUB CORPORATION, 595 MARKET ST. #200, SAN FRANCISCO CA 94105
Shanda Global Investment Ltd	10 percent owner	303 TWIN DOLPHIN DRIVE, #6054, REDWOOD CITY CA 94065
Michael P Zeisser	director
Brandon Pace	officer: General Counsel and Secretary	C/O LENDINGCLUB CORPORATION, 595 MARKET ST, SUITE 200, SAN FRANCISCO CA 94105
Ronnie Momen	officer: Chief Lending Officer	C/O LENDINGCLUB CORPORATION, SAN FRANCISCO CA 94105
Valerie Kay	officer: Chief Capital Officer	C/O LENDINGCLUB CORPORATION, 71 STEVENSON ST, SUITE 1000, SAN FRANCISCO CA 94105
Bahman Koohestani	officer: Chief Technology Officer	500 W. MADISON STREET, #1000, CHICAGO IL 60661
Susan C Athey	director	C/O EXPEDIA, INC., 333 108TH AVE NE, BELLEVUE WA 98004
Shanda Group Usa Ltd	10 percent owner	2735 SAND HILL ROAD, #140, MENLO PARK CA 94025