LendingClub Corp (LC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
LendingClub Corp stock (LC) is currently trading at $14.54. LendingClub Corp PE ratio is 12.59. LendingClub Corp PS ratio (Price-to-Sales) is 1.26. Analyst consensus price target for LC is $24.20. WallStSmart rates LC as Hold.
- LC PE ratio analysis and historical PE chart
- LC PS ratio (Price-to-Sales) history and trend
- LC intrinsic value — DCF, Graham Number, EPV models
- LC stock price prediction 2025 2026 2027 2028 2029 2030
- LC fair value vs current price
- LC insider transactions and insider buying
- Is LC undervalued or overvalued?
- LendingClub Corp financial analysis — revenue, earnings, cash flow
- LC Piotroski F-Score and Altman Z-Score
- LC analyst price target and Smart Rating
LendingClub Corp
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LC Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · LendingClub Corp (LC)
LC trades at a significant discount to its Graham intrinsic value of $54.29, offering a 69% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
LendingClub Corp (LC) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in price/sales, price/book, eps growth. Concerns around peg ratio and return on equity. Fundamentals are solid but monitor weak areas for improvement.
LendingClub Corp (LC) Key Strengths (4)
Earnings per share surging 329.60% year-over-year
88.56% of shares held by major funds and institutions
Paying $1.26 for every $1 of annual revenue
Trading at 1.07x book value, attractively priced
Supporting Valuation Data
LendingClub Corp (LC) Areas to Watch (6)
PEG ratio is negative or unavailable
Low profitability relative to shareholder equity
Thin operating margins with cost pressures present
Small-cap company with higher risk but more growth potential
Solid revenue growth at 12.20% per year
Decent profitability, keeps $10 per $100 revenue
LendingClub Corp (LC) Detailed Analysis Report
Overall Assessment
This company scores 60/100 in our Smart Analysis, earning a C+ grade. Out of 10 metrics analyzed, 4 register as strengths (avg 9.0/10) while 6 fall into concern territory (avg 4.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on EPS Growth, Institutional Own., Price/Sales. Valuation metrics including Price/Sales (1.26), Price/Book (1.07) suggest the stock is attractively priced. Growth metrics are encouraging with EPS Growth at 329.60%.
The Bear Case
The primary concerns are PEG Ratio, Return on Equity, Operating Margin. Some valuation metrics including PEG Ratio (N/A) suggest expensive pricing. Growth concerns include Revenue Growth at 12.20%, which may limit upside. Profitability pressure is visible in Return on Equity at 9.55%, Operating Margin at 14.10%, Profit Margin at 10.20%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether PEG Ratio improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 9.55% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 12.20% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (EPS Growth, Institutional Own.) and negatives (PEG Ratio, Return on Equity). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
LC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
LC's Price-to-Sales ratio of 1.26x trades 23% below its historical average of 1.64x (56th percentile). The current valuation is 89% below its historical high of 11.63x set in Oct 2021, and 335% above its historical low of 0.29x in Dec 2018. Over the past 12 months, the PS ratio has expanded from ~1.0x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for LendingClub Corp (LC) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
LendingClub Corp operates as a stable business with moderate growth and solid fundamentals. Revenue reached 1.3B with 12% growth year-over-year. Profit margins of 10.2% are healthy, with room for further expansion as the business scales.
Key Findings
ROE of 955.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Free cash flow is -919M, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Margin expansion: can LendingClub Corp push profit margins above 15% as the business scales?
Volatility is elevated with a beta of 1.99, so expect amplified moves relative to the broader market.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact LendingClub Corp.
Bottom Line
LendingClub Corp offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About LendingClub Corp(LC)
NYSE
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.