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LendingClub Corp

Financial Services US LC

14.56USD
-0.2(1.35%)

Last update at 2026-03-10T20:00:00Z

Day Range

14.2914.89
LowHigh

52 Week Range

4.7310.92
LowHigh

Fundamentals

  • Previous Close 14.76
  • Market Cap958.33M
  • Volume1138935
  • P/E Ratio18.04
  • Dividend Yield-%
  • EBITDA115.81M
  • Revenue TTM1177.27M
  • Revenue Per Share TTM10.96
  • Gross Profit TTM 536.37M
  • Diluted EPS TTM0.48

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 153.04M 18.44M -187.61700M -30.89100M -128.11000M
Minority interest - 0.00000M 0.00000M 0.06M 0.15M
Net income 289.69M 18.58M -187.53800M -30.69000M -128.30800M
Selling general administrative 339.40M 288.39M 213.02M 238.29M 228.64M
Selling and marketing expenses 197.75M 156.14M 79.06M 279.42M 268.52M
Gross profit 1187.22M 818.63M 243.51M 655.20M 595.44M
Reconciled depreciation 43.83M 44.28M 54.03M 59.15M 54.76M
Ebit 235.55M 18.44M -187.61700M -30.94600M 257.34M
Ebitda 279.38M 62.73M -133.58800M 28.21M 312.10M
Depreciation and amortization 43.83M 44.28M 54.03M 59.15M 54.76M
Non operating income net other - - - - -
Operating income 235.55M 18.44M -187.61700M -30.94600M 257.34M
Other operating expenses -951.66400M -800.18600M -431.12600M -686.15000M 1309.00M
Interest expense 82.52M 80.00M 141.50M 246.59M 385.61M
Tax provision -136.64800M -0.13600M -0.07900M -0.20100M 0.04M
Interest income 557.34M 292.83M 209.69M 345.35M 487.46M
Net interest income 474.82M 212.83M 68.19M 98.76M 101.86M
Extraordinary items - - - - 0.00000M
Non recurring - - - - 35.63M
Other items - - - - -
Income tax expense -136.64800M -0.13600M -0.07900M -0.20100M 0.04M
Total revenue 1187.22M 818.63M 243.51M 655.20M 595.44M
Total operating expenses -951.66400M -800.18600M -431.12600M -686.15000M 1309.00M
Cost of revenue 82.52M - 141.50M 246.59M 385.61M
Total other income expense net -82.51500M -80.00100M -141.50300M 0.06M -385.45000M
Discontinued operations - - - - -
Net income from continuing ops 289.69M 18.58M -187.53800M -30.69000M -128.15300M
Net income applicable to common shares 289.69M 18.58M -187.53800M -30.74500M -128.30800M
Preferred stock and other adjustments - - - - -
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Total assets 7979.75M 4900.32M 1863.29M 2982.34M 3819.53M
Intangible assets 101.99M 91.55M 11.43M 14.55M 18.05M
Earning assets - - - - -
Other current assets 67.45M 3311.83M 848.05M 2213.36M -19.99100M
Total liab 6815.45M 4050.08M 1139.12M 2082.15M 2948.55M
Total stockholder equity 1164.29M 850.24M 724.17M 900.19M 869.20M
Deferred long term liab - - - 1.48M 2.12M
Other current liab -100.79200M -128.75200M -113.25900M -607.56800M -98.84000M
Common stock 1.06M 1.01M 0.88M 0.89M 4.32M
Capital stock 1.06M 1.01M 0.88M 0.89M 4.32M
Retained earnings -427.74500M -767.63400M -786.21400M -548.47200M -517.72700M
Other liab 172.58M 3669.46M 677.06M 1145.72M 1969.37M
Good will 75.72M 75.72M 75.72M - 0.00000M
Other assets 6019.12M 3512.42M 866.57M 1961.45M 565.70M
Cash 1057.03M 687.13M 524.96M 243.78M 372.97M
Cash and equivalents 1033.90M 651.46M 524.96M 243.78M 372.97M
Total current liabilities 100.79M 128.75M 113.26M 607.57M 386.31M
Current deferred revenue - - - - -
Net debt -990.90100M -348.72100M 464.15M 1578.09M 2248.06M
Short term debt 2.62M 27.78M 104.99M 587.45M 458.80M
Short long term debt 2.62M 27.78M 104.99M 587.45M 458.80M
Short long term debt total 66.13M 338.40M 989.11M 1821.87M 2621.03M
Other stockholder equity 1628.59M 1609.82M 1508.02M 1448.33M 1382.45M
Property plant equipment 136.47M 98.00M 96.64M 114.37M 113.88M
Total current assets 1402.73M 950.66M 672.39M 527.56M 565.70M
Long term investments 345.70M 263.53M 900.81M 2072.60M 2893.74M
Net tangible assets 1088.58M 774.52M 712.74M 885.64M 851.15M
Short term investments 345.70M 263.53M 142.23M 270.93M 170.47M
Net receivables - - 5.21M 12.86M 22.25M
Long term debt 130.28M 610.34M 636.77M 1081.47M 1905.88M
Inventory - - - - 19.99M
Accounts payable 98.17M 100.97M 8.27M 20.11M 26.34M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - 1.78M
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -37.61600M 7.05M 1.48M -0.56500M 0.16M
Additional paid in capital - - - - -
Common stock total equity 1.06M 1.01M 0.88M 0.89M 4.32M
Preferred stock total equity - - - - -
Retained earnings total equity -427.74500M -767.63400M -786.21400M -548.47200M -517.72700M
Treasury stock - - - -19.55000M -19.48500M
Accumulated amortization - - - - -
Non currrent assets other -557.89200M -437.24300M -324.33100M -493.33100M 2942.93M
Deferred long term asset charges - - - - -
Non current assets total 557.89M 437.24M 324.33M 493.33M 3253.83M
Capital lease obligations 77.29M 91.59M 94.54M 112.34M -
Long term debt total 130.28M 15.46M 636.77M 1081.47M 1905.88M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -2735.89600M -930.14200M 869.48M 92.05M 64.26M
Change to liabilities -20.83600M 26.37M -53.43400M -5.35900M -109.80100M
Total cashflows from investing activities -2809.80000M -454.41000M 565.77M 653.77M 878.74M
Net borrowings -40.88100M -90.47400M -500.07600M 70.17M 283.57M
Total cash from financing activities 2795.13M 349.64M -842.43900M -540.06000M -240.01700M
Change to operating activities -37.59800M 16.64M -92.40300M -53.42200M -41.50700M
Net income 289.69M 18.58M -187.53800M -30.69000M -128.15300M
Change in cash 360.90M 135.10M 141.36M -156.93600M -0.23100M
Begin period cash flow 763.59M 628.49M 487.12M 644.06M 644.29M
End period cash flow 1124.48M 763.59M 628.49M 487.12M 644.06M
Total cash from operating activities 375.57M 239.87M 418.03M -270.64400M -638.95000M
Issuance of capital stock - - - 2.41M 5.23M
Depreciation 43.83M 5.58M 54.03M 59.15M 54.76M
Other cashflows from investing activities -4.42300M 510.14M -272.55700M 612.39M 867.45M
Dividends paid 0.00000M 0.00000M -50.20400M 50.20M 0.32M
Change to inventory - - - - -220.10700M
Change to account receivables - - -5.04800M -16.29800M -3.78500M
Sale purchase of stock - 41.46M - 3.23M 3.86M
Other cashflows from financing activities 3247.47M 1442.56M 1687.50M 3590.23M 3316.17M
Change to netincome 339.89M 219.07M 303.76M 81.12M -154.57900M
Capital expenditures 69.48M 34.41M 31.15M 50.67M 52.98M
Change receivables - - -5.04800M -16.29800M -3.78500M
Cash flows other operating 98.82M -11.14700M 493.80M -389.26100M -425.54900M
Exchange rate changes - - - - -
Cash and cash equivalents changes 360.90M 135.10M 141.36M -156.93600M -0.23100M
Change in working capital -37.59800M 16.64M -99.32500M -75.40500M -60.87800M
Stock based compensation 66.36M 66.76M 61.53M 73.64M 75.09M
Other non cash items 156.78M 63.63M 620.14M -229.62400M -564.98200M
Free cash flow 306.09M 205.46M 386.88M -321.31200M -691.92600M

Peer Comparison

Sector: Financial Services Industry: Credit Services

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x) Enterprise Value to EBITDA (x)
LC
LendingClub Corp		 -0.2 1.35% 14.56 18.04 38.46 0.80 0.77 2.94 18.63
V
Visa Inc. Class A		 -1.54 0.49% 314.43 31.25 25.97 16.18 13.64 16.19 23.37
MA
Mastercard Inc		 -3.0 0.58% 514.72 37.04 29.50 16.14 62.35 16.47 27.24
AXP
American Express Company		 -2.23 0.73% 303.15 21.83 20.04 3.53 7.21 4.18
PYPL
PayPal Holdings Inc		 -1.14 2.47% 45.02 21.96 18.69 2.93 4.56 2.86 12.64

Reports Covered

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Profile

LendingClub Corporation, operates as a bank holding company for LendingClub Bank, National Association that provides range of financial products and services in the United States. It offers deposit products, including savings accounts, checking accounts, and certificates of deposit. The company also provides loan products, such as consumer loans comprising unsecured personal loans, secured auto refinance loans, and patient and education finance loans; and commercial loans, including small business loans. In addition, it operates an online lending marketplace platform. The company was incorporated in 2006 and is headquartered in San Francisco, California.

LendingClub Corp

595 Market Street, San Francisco, CA, United States, 94105

Key Executives

Name Title Year Born
Mr. Scott C. Sanborn CEO & Director 1969
Mr. Brandon Pace Chief Admin. Officer & Corp. Sec. 1973
Ms. Valerie Kay Chief Capital Officer 1967
Mr. Thomas W. Casey CPA Exec. Officer 1963
Mr. Ronnie Momen Chief Consumer Banking Officer 1968
Mr. Andrew LaBenne Chief Financial Officer 1974
Mr. Fergal Stack Principal Accounting Officer & Corp. Controller NA
Mr. Balaji Thiagarajan Chief Technology Officer NA
Mr. Sameer Shripad Gokhale CPA Head of Investor Relations NA
Ms. Tina Wilson Chief People Officer NA

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