The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2023-10-04), LendingClub's share price is $5.70. LendingClub's Book Value per Share for the quarter that ended in Jun. 2023 was $11.09. Hence, LendingClub's PB Ratio of today is 0.51.
Good Sign:
LendingClub Corp stock PB Ratio (=0.55) is close to 2-year low of 0.55
The historical rank and industry rank for LendingClub's PB Ratio or its related term are showing as below:
LC'
s PB Ratio Range Over the Past 10 Years
Min: 0.39 Med: 1.75 Max: 65.66
Current: 0.51
During the past 11 years, LendingClub's highest PB Ratio was 65.66. The lowest was 0.39. And the median was 1.75.
LC's PB Ratio is ranked better than 76.57% of 508
companies
in the Credit Services industry
Industry Median: 0.97
vs LC: 0.51
During the past 12 months, LendingClub's average Book Value Per Share Growth Rate was 6.50% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 2.50% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -2.30% per year.
During the past 11 years, the highest 3-Year average Book Value Per Share Growth Rate of LendingClub was 2.50% per year. The lowest was -9.70% per year. And the median was -6.00% per year.
Back to Basics: PB Ratio
LendingClub PB Ratio Historical Data
The historical data trend for LendingClub's PB Ratio 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
PB Ratio
1.30
1.24
1.29
2.87
0.81
LendingClub Quarterly Data
Sep18
Dec18
Mar19
Jun19
Sep19
Dec19
Mar20
Jun20
Sep20
Dec20
Mar21
Jun21
Sep21
Dec21
Mar22
Jun22
Sep22
Dec22
Mar23
Jun23
PB Ratio
1.12
1.04
0.81
0.65
0.88
Competitive Comparison
For the Credit Services subindustry, LendingClub's PB Ratio, along with its competitors' market caps and PB Ratio 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.
LendingClub PB Ratio Distribution
For the Credit Services industry and Financial Services sector, LendingClub's PB Ratio distribution charts can be found below:
* The bar in red indicates where LendingClub's PB Ratio falls into.
LendingClub PB Ratio Calculation
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
LendingClub's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
LendingClub PB Ratio Related Terms
Thank you for viewing the detailed overview of LendingClub's PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.
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.
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