WallStSmart

LendingClub Corp (LC)vsMizuho Financial Group Inc. (MFG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 300924% more annual revenue ($4.02T vs $1.33B). MFG leads profitability with a 26.1% profit margin vs 10.2%. LC trades at a lower P/E of 12.6x. MFG earns a higher WallStSmart Score of 74/100 (B).

LC

Buy

60

out of 100

Grade: C+

Growth: 4.7Profit: 5.5Value: 8.3Quality: 5.3
Piotroski: 4/9

MFG

Strong Buy

74

out of 100

Grade: B

Growth: 8.0Profit: 7.5Value: 10.0Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

LCUndervalued (+69.2%)

Margin of Safety

+69.2%

Fair Value

$54.29

Current Price

$14.54

$39.75 discount

UndervaluedFair: $54.29Overvalued
MFGUndervalued (+42.4%)

Margin of Safety

+42.4%

Fair Value

$17.51

Current Price

$7.81

$9.70 discount

UndervaluedFair: $17.51Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

LC2 strengths · Avg: 9.0/10
Price/BookValuation
1.1x10/10

Reasonable price relative to book value

P/E RatioValuation
12.6x8/10

Attractively priced relative to earnings

MFG6 strengths · Avg: 9.0/10
Price/BookValuation
0.3x10/10

Reasonable price relative to book value

Operating MarginProfitability
36.3%10/10

Strong operational efficiency at 36.3%

Market CapQuality
$92.84B9/10

Large-cap with strong market position

Profit MarginProfitability
26.1%9/10

Keeps 26 of every $100 in revenue as profit

PEG RatioValuation
0.868/10

Growing faster than its price suggests

P/E RatioValuation
14.3x8/10

Attractively priced relative to earnings

Areas to Watch

LC3 concerns · Avg: 3.0/10
EPS GrowthGrowth
3.3%4/10

3.3% earnings growth

Market CapQuality
$1.68B3/10

Smaller company, higher risk/reward

Free Cash FlowQuality
$-919.35M2/10

Negative free cash flow — burning cash

MFG0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : LC

The strongest argument for LC centers on Price/Book, P/E Ratio. Revenue growth of 12.2% demonstrates continued momentum.

Bull Case : MFG

The strongest argument for MFG centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 26.1% and operating margin at 36.3%. PEG of 0.86 suggests the stock is reasonably priced for its growth.

Bear Case : LC

The primary concerns for LC are EPS Growth, Market Cap, Free Cash Flow.

Bear Case : MFG

No major red flags identified for MFG, but monitor valuation.

Key Dynamics to Monitor

LC profiles as a value stock while MFG is a mature play — different risk/reward profiles.

LC carries more volatility with a beta of 1.99 — expect wider price swings.

LC is growing revenue faster at 12.2% — sustainability is the question.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

MFG scores higher overall (74/100 vs 60/100), backed by strong 26.1% margins. LC offers better value entry with a 69.2% margin of safety. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

LendingClub Corp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

LendingClub Corporation, is a banking holding company for LendingClub Bank, a National Association that offers a range of financial products and services through a technology-driven platform in the United States. The company is headquartered in San Francisco, California.

Mizuho Financial Group Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Mizuho Financial Group, Inc. engages in banking, trusts, securities and other businesses related to financial services in Japan, America, Europe, Asia / Oceania and internationally. The company is headquartered in Tokyo, Japan.

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