Lendingclub Corp Stock Analysis

LC Stock  USD 8.79  0.11  1.27%   
LendingClub Corp is undervalued with Real Value of 9.76 and Target Price of 10.94. The main objective of LendingClub Corp stock analysis is to determine its intrinsic value, which is an estimate of what LendingClub Corp is worth, separate from its market price. There are two main types of LendingClub Corp's stock analysis: fundamental analysis and technical analysis. Fundamental analysis focuses on the financial and economic factors that affect LendingClub Corp's performance, such as revenue growth, earnings, and financial stability. Technical analysis, on the other hand, focuses on the price and volume data of LendingClub Corp's stock to identify patterns and trends that may indicate its future price movements.
The LendingClub Corp stock is traded in the USA on New York Stock Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. LendingClub Corp is usually not traded on Thanksgiving Day, Christmas Day, New Year 's Day, Dr . Martin Luther King Jr 's Birthday, Washington 's Birthday, Good Friday, Memorial Day, Juneteenth Holiday, Independence Day, Labour Day. LendingClub Stock trading window is adjusted to America/New York timezone. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and LendingClub Corp's ongoing operational relationships across important fundamental and technical indicators.
  
Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in LendingClub Corp. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in main economic indicators.
For information on how to trade LendingClub Stock refer to our How to Trade LendingClub Stock guide.

LendingClub Stock Analysis Notes

About 84.0% of the company shares are owned by institutional investors. The company has price-to-book ratio of 0.77. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. LendingClub Corp last dividend was issued on the 8th of July 2019. The entity had 1:5 split on the 8th of July 2019. LendingClub Corporation, operates as a bank holding company for LendingClub Bank, National Association that provides range of financial products and services through a technology-driven platform in the United States. LendingClub Corporation was incorporated in 2006 and is headquartered in San Francisco, California. Lendingclub Corp operates under Credit Services classification in the United States and is traded on New York Stock Exchange. It employs 1384 people. To find out more about LendingClub Corp contact Joel Schipper at 415 632 5600 or learn more at https://www.lendingclub.com.

LendingClub Corp Investment Alerts

Many investors view ongoing market volatility as an opportunity to purchase more stocks at a favorable price or short it to generate a bearish trend profit opportunity. If you are one of those investors, make sure you clearly understand the position you are entering. LendingClub Corp's investment alerts are automatically generated signals that are significant enough to either complement your investing judgment regarding LendingClub Corp or challenge it. These alerts can help you understand what you are buying and avoid costly mistakes.
LendingClub Corp is unlikely to experience financial distress in the next 2 years
LendingClub Corp reports about 1.03 B in cash with (1.14 B) of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 9.07, which can makes it an attractive takeover target, given it will continue generating positive cash flow.
Over 84.0% of the company shares are owned by institutional investors
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LendingClub Corp Upcoming and Recent Events

Earnings reports are used by LendingClub Corp to provide an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Every quarterly earnings report provides investors with three things: an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to LendingClub Corp previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
30th of January 2024
Upcoming Quarterly Report
View
24th of April 2024
Next Financial Report
View
31st of December 2023
Next Fiscal Quarter End
View
30th of January 2024
Next Fiscal Year End
View
30th of September 2023
Last Quarter Report
View
31st of December 2022
Last Financial Announcement
View

LendingClub Largest EPS Surprises

Earnings surprises can significantly impact LendingClub Corp's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2023-10-25
2023-09-300.040.050.0125 
2017-08-07
2017-06-30-0.07-0.050.0228 
2015-02-24
2014-12-310.070.05-0.0228 
View All Earnings Estimates

LendingClub Corp Thematic Classifications

In addition to having LendingClub Corp stock in your portfolios, you can add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your favorite investment opportunity, you can then obtain an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility. If you are a result-oriented investor, you can benefit from optimizing one of our existing themes to build an efficient portfolio against your specific investing outlook.
Aggressive Defence Idea
Aggressive Defence
Small capitalization, high growth potential companies
Banking Idea
Banking
USA Equities from Banking industry as classified by Fama & French

LendingClub Stock Institutional Investors

Have you ever been surprised when a price of an equity instrument such as LendingClub Corp is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading LendingClub Corp backward and forwards among themselves. LendingClub Corp's institutional investor refers to the entity that pools money to purchase LendingClub Corp's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
Shares
Morgan Stanley - Brokerage Accounts2023-12-31
1.6 M
Wellington Management Company Llp2023-12-31
1.3 M
Two Sigma Advisers, Llc2023-12-31
1.3 M
Northern Trust Corp2023-12-31
980.6 K
Renaissance Technologies Corp2023-12-31
965.7 K
American Century Companies Inc2023-12-31
894.3 K
No Street Gp Lp2023-09-30
893.6 K
Goldman Sachs Group Inc2023-12-31
883.6 K
Millennium Management Llc2023-12-31
851.9 K
Vanguard Group Inc2023-12-31
11.3 M
Jackson Square Partners, Llc2023-12-31
9.7 M
Note, although LendingClub Corp's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

LendingClub Market Capitalization

The company currently falls under 'Small-Cap' category with a market capitalization of 964.44 M. Market capitalization usually refers to the total value of a company's stock within the entire market. To calculate LendingClub Corp's market, we take the total number of its shares issued and multiply it by LendingClub Corp's current market price. To manage market risk and economic uncertainty, many investors today build portfolios that are diversified across equities with different market capitalizations. However, as a general rule, conservative investors tend to hold large-cap stocks, and those looking for more risk prefer small-cap and mid-cap equities.

LendingClub Profitablity

LendingClub Corp's profitability indicators refer to fundamental financial ratios that showcase LendingClub Corp's ability to generate income relative to its revenue or operating costs. If, let's say, LendingClub Corp is currently losing money, the management's focus should be on how to reverse that trend. However, when revenue exceeds expenses, LendingClub Corp's executives or investors may be in less hurry to break that information down - which is where profitability analysis comes into play. Gaining a greater understanding of LendingClub Corp's profitability requires more research than a typical breakdown of LendingClub Corp's financial statements. By doing a profitability analysis, companies can identify areas needing attention, and investors can make a profitable trade.
The company has Net Profit Margin (PM) of 0.03 %, which suggests that even a small decline in it sales will erase profits and may result in a net loss, or a negative profit margin. This is way below average. Likewise, it shows Net Operating Margin (NOM) of 0.05 %, which signifies that for every $100 of sales, it has a net operating income of $0.05.
Last ReportedProjected for 2024
Return On Capital Employed 0.03  0.04 
Return On Assets 0  0 
Return On Equity 0.03  0.03 

Management Efficiency

The current year's Return On Capital Employed is expected to grow to 0.04. The current year's Return On Assets is expected to grow to 0. At present, LendingClub Corp's Non Current Assets Total are projected to increase significantly based on the last few years of reporting. The current year's Total Current Assets is expected to grow to about 3 B, whereas Non Currrent Assets Other are projected to grow to (1.8 B). LendingClub Corp's management efficiency ratios could be used to measure how well LendingClub Corp manages its routine affairs as well as how well it operates its assets and liabilities.
Last ReportedProjected for 2024
Price Book Value Ratio 0.76  0.80 
Enterprise Value Multiple(0.82)(0.87)
Price Fair Value 0.76  0.80 
The analysis of LendingClub Corp's management efficiency is an essential part of evaluating and assessing the financial and operational performance of the entity. It is also vital to analyze LendingClub Corp's future growth prospects and the overall market conditions to determine the value and potential of its stock. The analysis involves studying a range of financial metrics such as revenue, earnings, profit margins, cash flow, debt, market share, and external factors such as economic trends, industry outlook, competition, and government regulations. The goal of LendingClub Stock analysis is to determine whether it is undervalued, fairly valued, or overvalued and to make informed investment decisions.
Beta
1.983

Technical Drivers

As of the 29th of March, LendingClub Corp secures the Mean Deviation of 1.92, risk adjusted performance of 0.0194, and Downside Deviation of 2.17. In connection with fundamental indicators, the technical analysis model lets you check existing technical drivers of LendingClub Corp, as well as the relationship between them. Strictly speaking, you can use this information to find out if the firm will indeed mirror its model of past prices, or the prices will eventually revert. We were able to break down nineteen technical drivers for LendingClub Corp, which can be compared to its peers in the industry. Please verify LendingClub Corp value at risk, and the relationship between the jensen alpha and semi variance to decide if LendingClub Corp is priced some-what accurately, providing market reflects its recent price of 8.79 per share. Given that LendingClub Corp has jensen alpha of (0.18), we recommend you to check LendingClub Corp's last-minute market performance to make sure the company can sustain itself at a future point.

LendingClub Corp Price Movement Analysis

Execute Study
Incorrect Input. Please change your parameters or increase the time horizon required for running this function. The output start index for this execution was zero with a total number of output elements of zero. The Bollinger Bands is very popular indicator that was developed by John Bollinger. It consist of three lines. LendingClub Corp middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for LendingClub Corp. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.

LendingClub Corp Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific LendingClub Corp insiders, such as employees or executives, is commonly permitted as long as it does not rely on LendingClub Corp's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases LendingClub Corp insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.

LendingClub Corp Predictive Daily Indicators

LendingClub Corp intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of LendingClub Corp stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

LendingClub Corp Corporate Filings

F4
25th of March 2024
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
27th of February 2024
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
10K
16th of February 2024
Annual report required by the U.S. Securities and Exchange Commission (SEC) of a company financial performance
ViewVerify
F4
15th of February 2024
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
13th of February 2024
Other Reports
ViewVerify
13A
12th of February 2024
An amended filing to the original Schedule 13G
ViewVerify
13A
9th of February 2024
An amended filing to the original Schedule 13G
ViewVerify
F4
7th of February 2024
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify

LendingClub Corp Forecast Models

LendingClub Corp's time-series forecasting models are one of many LendingClub Corp's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary LendingClub Corp's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

About LendingClub Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how LendingClub Corp prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling LendingClub shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as LendingClub Corp. By using and applying LendingClub Stock analysis, traders can create a robust methodology for identifying LendingClub entry and exit points for their positions.
Last ReportedProjected for 2024
Pretax Profit Margin 0.04  0.05 
Operating Profit Margin 0.24  0.25 
Net Profit Margin 0.03  0.03 
Gross Profit Margin 0.75  0.68 

Current LendingClub Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. LendingClub analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. LendingClub analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceAdvice# of Analysts
10.94Strong Buy9Odds
LendingClub Corp current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most LendingClub analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand LendingClub stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of LendingClub Corp, talking to its executives and customers, or listening to LendingClub conference calls.
LendingClub Analyst Advice Details

LendingClub Stock Analysis Indicators

LendingClub Corp stock analysis indicators help investors evaluate how LendingClub Corp stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading LendingClub Corp shares will generate the highest return on investment. By understating and applying LendingClub Corp stock analysis, traders can identify LendingClub Corp position entry and exit signals to maximize returns.
Begin Period Cash Flow1.1 B
Long Term Debt19.4 M
Common Stock Shares Outstanding108.5 M
Total Stockholder Equity1.3 B
Tax Provision15.7 M
Quarterly Earnings Growth Y O Y-0.596
Property Plant And Equipment Net188.1 M
Cash And Short Term Investments1.3 B
Cash1.3 B
Accounts Payable54.6 M
Net Debt-1.2 B
50 Day M A8.3446
Total Current Liabilities58.5 M
Other Operating Expenses1.2 B
Non Current Assets Total237.2 M
Forward Price Earnings30.9598
Non Currrent Assets Other-1.9 B
Stock Based Compensation52.4 M
When determining whether LendingClub Corp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of LendingClub Corp's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Lendingclub Corp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Lendingclub Corp Stock:
Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in LendingClub Corp. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in main economic indicators.
For information on how to trade LendingClub Stock refer to our How to Trade LendingClub Stock guide.
Note that the LendingClub Corp information on this page should be used as a complementary analysis to other LendingClub Corp's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Portfolio Anywhere module to track or share privately all of your investments from the convenience of any device.

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When running LendingClub Corp's price analysis, check to measure LendingClub Corp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy LendingClub Corp is operating at the current time. Most of LendingClub Corp's value examination focuses on studying past and present price action to predict the probability of LendingClub Corp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move LendingClub Corp's price. Additionally, you may evaluate how the addition of LendingClub Corp to your portfolios can decrease your overall portfolio volatility.
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Is LendingClub Corp's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of LendingClub Corp. If investors know LendingClub will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about LendingClub Corp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.60)
Earnings Share
0.35
Revenue Per Share
10.468
Quarterly Revenue Growth
(0.13)
Return On Assets
0.0044
The market value of LendingClub Corp is measured differently than its book value, which is the value of LendingClub that is recorded on the company's balance sheet. Investors also form their own opinion of LendingClub Corp's value that differs from its market value or its book value, called intrinsic value, which is LendingClub Corp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because LendingClub Corp's market value can be influenced by many factors that don't directly affect LendingClub Corp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between LendingClub Corp's value and its price as these two are different measures arrived at by different means. Investors typically determine if LendingClub Corp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, LendingClub Corp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.