LC (LendingClub) GF Value : $8.03 (As of Jul. 05, 2025)

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What is LendingClub GF Value?

As of today (2025-07-05), LendingClub's share price is $12.57. LendingClub's GF Value is $8.03. Therefore, LendingClub's Price-to-GF-Value for today is 1.57. Based on the relationship between the current stock price and the GF Value, GuruFocus believes LendingClub is Significantly Overvalued.

The GF Value represents the intrinsic value of a stock, determined using GuruFocus' proprietary methodology. The GF Value Line on our stock Summary page provides an estimate of the stock’s fair-trading value.

To calculate this value, GuruFocus follows these steps:

We analyze historical correlations between the stock price and key business performance metrics, such as revenue, earnings, cash flow, and book value.
We identify the metrics that have the strongest historical correlation with the stock price and determine the historical multiples at which the stock has traded relative to these metrics.
Using these historical multiples as a reference, we estimate the stock's fair value while accounting for future business growth. Adjustments may be made based on the company’s past returns and growth trends.

GuruFocus believes that the GF Value Line represents the fair value at which a stock should trade. Stock prices typically fluctuate around this line. If a stock’s price is significantly above the GF Value Line, it is considered overvalued, and its future returns are likely to be lower. Conversely, if the stock price is significantly below the GF Value Line, its future returns are likely to be higher.

LendingClub (NYSE:LC) GF Value Explanation

Based on the relationship between the current stock price and the GF Value, GuruFocus provides the following 6 ratings:

Posssible Evaluations	All-in-One Screener Examples (1)
Possible Value Trap, Think Twice	Predictable Companies that possibly be Value Traps
Significantly Overvalued	Predictable Companies which are Significantly Overvalued
Modestly Overvalued	Predictable Companies which are Modestly Overvalued
Fairly Valued	Predictable High Quality Companies which are Fairly Valued
Modestly Undervalued (2)	Predictable High Quality Companies which are Modestly Undervalued
Significantly Undervalued (2)	Predictable High Quality Companies which are Significantly Undervalued

(1) These are some simple examples. You can access our GF Valuation filter under All-in-One Screener’s Fundamental tab, and Price-to-GF-Value filter under Valuation Ratio tab and set your own criteria.

(2) A sufficient margin of safety exists only when the stock is undervalued.

Possible Value Trap, Think Twice companies are those that appear significantly undervalued based on their Price-to-GF-Value ratio, but whose fundamentals show signs of weakness.

Indicators that a company may be a value trap include:

    * Deteriorating Financial Health: A low Altman Z-scores indicates a higher risk of bankruptcy, or a low Piotroski F-Score.
    * Earnings Manipulation: A high Beneish M-score indicates potential earnings manipulation, raising concerns about the reliability of reported financials.
    * Stagnant or Declining Growth: Lack of revenue or earnings growth, or a recent slowdown, may signal limited future prospects.

Investors should conduct thorough due diligence, examining financial statements and growth indicators, to avoid falling into value traps.

LendingClub's Price-to-GF-Value for today is calculated as

Price-to-GF-Value	=	Share Price	/	GF Value
	=	12.57	/	8.03
	=	1.57

* 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.

LendingClub GF Value Related Terms

Thank you for viewing the detailed overview of LendingClub's GF Value provided by GuruFocus.com. Please click on the following links to see related term pages.

LendingClub Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » LendingClub Corp (NYSE:LC) » Definitions » GF Value

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 offers 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

Scott Sanborn	officer: Chief Mrktg & Optg Officer	C/O REDENVELOPE, INC., 149 NEW MONTGOMERY STREET, SAN FRANCISCO CA 94105
Michael P Zeisser	director
Erin Selleck	director	C/O BROADWAY FINANCIAL CORPORATION, 5055 WILSHIRE BLVD. SUITE 500, LOS ANGELES CA 90036
Jordan Cheng	officer: General Counsel & Secretary	C/O LENDINGCLUB CORPORATION, 595 MARKET ST., #200, SAN FRANCISCO CA 94105
John C. Morris	director	C/O VISA INC., P.O. BOX 8999, SAN FRANCISCO CA 94128-8999
Syed Faiz Ahmad	director	7601 SOUTHWEST PARKWAY, AUSTIN TX 78735
Stephen M Cutler	director	JPMORGAN CHASE & CO., 270 PARK AVENUE, NEW YORK NY 10017
Andrew Labenne	officer: Chief Financial Officer	C/O BAKKT HOLDINGS, INC., 5500 WINDWARD PKWY., SUITE 450, ALPHARETTE GA 30005
Timothy J Mayopoulos	director	C/O FANNIE MAE, 1100 15TH STREET, NW, WASHINGTON DC 20005
Kathryn Reimann	director	C/O LENDINGCLUB CORPORATION, 595 MARKET ST., #200, SAN FRANCISCO CA 94105
Janey Whiteside	director	C/O LENDINGCLUB CORPORATION, 595 MARKET ST., #200, SAN FRANCISCO CA 94105
Fergal Stack	officer: SVP, Corporate Controller	C/O LENDINGCLUB CORPORATION, 71 STEVENSON ST., SUITE 300, SAN FRANCISCO CA 94105
Allan R Landon	director	130 MERCHANT ST 22ND FLR, HONOLULU HI 96813
Ronnie Momen	officer: Chief Lending Officer	C/O LENDINGCLUB CORPORATION, SAN FRANCISCO CA 94105
Annie Armstrong	officer: Chief Risk Officer	C/O LENDINGCLUB CORPORATION, 595 MARKET ST. #200, SAN FRANCISCO CA 94105