Lendingclub Corp Stock Today

LC Stock  USD 8.68  0.25  2.97%   

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Odds Of Distress

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LendingClub Corp is trading at 8.68 as of the 28th of March 2024, a 2.97 percent up since the beginning of the trading day. The stock's open price was 8.43. LendingClub Corp has a very small chance of experiencing financial distress in the next few years, but has generated negative returns over the last 90 days. Equity ratings for LendingClub Corp are calculated daily based on our scoring framework. The performance scores are derived for the period starting the 27th of February 2024 and ending today, the 28th of March 2024. Click here to learn more.
Business Domain
Financial Services
IPO Date
11th of December 2014
Classification
Financials
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. The company has 110.41 M outstanding shares of which 2.38 M shares are now sold short in the market by investors with about 1.31 days to cover all shorted shares. More on LendingClub Corp

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LendingClub Stock Highlights

Most reasonable investors view market volatility as an opportunity to invest at a favorable price or to sell short against a bearish trend. LendingClub Corp's investment highlights are automatically generated signals that are significant enough to either complement your investing judgment regarding LendingClub Corp or challenge it. These highlights can help you better understand the position you are entering and avoid costly mistakes.
ChairmanJohn Morris
Thematic Ideas
(View all Themes)
Business ConcentrationConsumer Finance, Financial Services, NYSE Composite, Banking, Aggressive Defence, Financials, Consumer Finance, Credit Services, Financial Services (View all Sectors)
Average Analyst Recommendation
Analysts covering LendingClub Corp report their recommendations after researching LendingClub Corp's financial statements, talking to executives and customers, or listening in on LendingClub Corp's conference calls. The current trade recommendation is based on an ongoing consensus estimate among financial analysts covering LendingClub Corp. The LendingClub consensus assessment is calculated by taking the average forecast from all of the analysts covering LendingClub Corp.
Financial Strength
Based on the analysis of LendingClub Corp's profitability, liquidity, and operating efficiency, LendingClub Corp is performing exceptionally good at the present time. It has a great chance to report excellent financial results in April. Financial strength of LendingClub Corp is based on its profitability, leverage, liquidity, source of funds, and operating efficiency.
Current ValueLast YearChange From Last Year 10 Year Trend
Asset Turnover0.0880.1438
Way Down
Slightly volatile
Gross Profit Margin0.680.7536
Moderately Down
Pretty Stable
Total Current Liabilities55.6 M58.5 M
Notably Down
Very volatile
Total Assets9.3 B8.8 B
Sufficiently Up
Pretty Stable
Total Current AssetsB2.9 B
Sufficiently Up
Pretty Stable
LendingClub Corp's financial strength is of vital concern to both outside investors and internal stakeholders. Efficiency and cost control are keys to LendingClub Corp's success, along with its ability to generate sufficient cash flow to pay bills, repay debt, and make a consistent year-to-year profit.
Financial leverage usually refers to the use of borrowed funds to amplify returns from an investment. In general, analyzing the relationship between debt to total assets helps investors to understand LendingClub Corp's financial leverage. It provides some insight into what part of LendingClub Corp's total assets is financed by creditors.
By using current balance sheet information, investors can analyze the liability, assets, and equity on LendingClub Corp's books and decide whether to invest or hold. Statistics such as return on equity (ROE), debt to equity (D/E) help investors determine how LendingClub Corp deploys its capital and how much of that capital is borrowed.
Liquidity
LendingClub Corp cash flow analysis is essential to understand how it generates and spends money over a specific period. It can also help you figure out where your money is going and how much cash you have available at a given moment. The company reports 57.22 M of total liabilities with total debt to equity ratio (D/E) of 0.11, which may suggest the company is not taking enough advantage from financial leverage. Debt can assist LendingClub Corp until it has trouble settling it off, either with new capital or with free cash flow. So, LendingClub Corp's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like LendingClub Corp sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for LendingClub to invest in growth at high rates of return. When we think about LendingClub Corp's use of debt, we should always consider it together with cash and equity.

Change To Inventory

(208 Million)
LendingClub Corp (LC) is traded on New York Stock Exchange in USA. It is located in 595 Market Street, San Francisco, CA, United States, 94105 and employs 1,025 people. LendingClub Corp is listed under Consumer Finance category by Fama And French industry classification. The company currently falls under 'Small-Cap' category with a market capitalization of 946.77 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 Corp is active under Consumer Finance sector as part of Financials industry. The entity has 110.41 M outstanding shares of which 2.38 M shares are now sold short in the market by investors with about 1.31 days to cover all shorted shares. 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.
Check LendingClub Corp Probability Of Bankruptcy
Ownership Allocation
LendingClub Corp maintains a total of 110.41 Million outstanding shares. The majority of LendingClub Corp outstanding shares are owned by institutional investors. These third-party entities are usually referred to as non-private investors looking to shop for positions in LendingClub Corp to benefit from reduced commissions. Consequently, institutional holders are subject to a different set of regulations than regular investors in LendingClub Corp. Please pay attention to any change in the institutional holdings of LendingClub Corp as this could imply that something significant has changed or is about to change at the company. Please note that no matter how many assets the company has, if the real value of the firm is less than the current market value, you may not be able to make money on it.
Check LendingClub Ownership Details

LendingClub Stock Price Odds Analysis

What are LendingClub Corp's target price odds to finish over the current price? Based on a normal probability distribution, the odds of LendingClub Corp jumping above the current price in 90 days from now is about 23.87%. The LendingClub Corp probability density function shows the probability of LendingClub Corp stock to fall within a particular range of prices over 90 days. Allowing for the 90-day total investment horizon the stock has a beta coefficient of 1.7471. This indicates as the benchmark fluctuates upward, the company is expected to outperform it on average. However, if the benchmark returns are projected to be negative, LendingClub Corp will likely underperform. Additionally, lendingClub Corp has a negative alpha, implying that the risk taken by holding this instrument is not justified. The company is significantly underperforming NYSE Composite.
  Odds Below 8.68HorizonTargetOdds Above 8.68
75.92%90 days
 8.68 
23.87%
Based on a normal probability distribution, the odds of LendingClub Corp to move above the current price in 90 days from now is about 23.87 (This LendingClub Corp probability density function shows the probability of LendingClub Stock to fall within a particular range of prices over 90 days) .

LendingClub Stock Institutional Holders

Institutional Holdings refers to the ownership stake in LendingClub Corp that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of LendingClub Corp's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing LendingClub Corp's value.
InstituionRecorded OnShares
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
View LendingClub Corp Diagnostics

LendingClub Corp Historical Income Statement

LendingClub Corp Income Statement is one of the three primary financial statements used for reporting LendingClub's overall financial performance over a current year or for a given accounting period. An Income Statement sometimes referred to as the statement of LendingClub Corp revenue and expense. LendingClub Corp Income Statement primarily focuses on the company's revenues and expenses during a particular period.
At present, LendingClub Corp's Gross Profit is projected to increase significantly based on the last few years of reporting. The current year's Operating Income is expected to grow to about 318.6 M, whereas Depreciation And Amortization is forecasted to decline to about 28.6 M. View More Fundamentals

LendingClub Stock Against Markets

Picking the right benchmark for LendingClub Corp stock is fundamental to making educated investment choices. Many naive investors compare their positions with the S&P 500 or with the Nasdaq. But these benchmarks are not all-inclusive and generally should be used only for large-capitalization equities or stock offerings from large companies. When the price of a selected benchmark declines in a down market, there may be an uptick in LendingClub Corp stock price where buyers come in believing the asset is cheap. The opposite is true when the market is bullish; so, accurately picking the benchmark for LendingClub Corp is critical whether you are bullish or bearish towards LendingClub Corp at a given time. Please also check how LendingClub Corp's historical prices are related to one of the top price index indicators.

Be your own money manager

Our tools can tell you how much better you can do entering a position in LendingClub Corp without increasing your portfolio risk or giving up the expected return. As an individual investor, you need to find a reliable way to track all your investment portfolios. However, your requirements will often be based on how much of the process you decide to do yourself. In addition to allowing all investors analytical transparency into all their portfolios, our tools can evaluate risk-adjusted returns of your individual positions relative to your overall portfolio.

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LendingClub Corp Corporate Directors

LendingClub Corp corporate directors refer to members of a LendingClub Corp board of directors. The board of directors generally takes responsibility for the LendingClub Corp's affairs and long-term direction of the entity. A corporate director does not make decisions for the corporation on his own. As a member of the board of directors, she or he must function as a part of a group that makes decisions on behalf of the business only by the board of directors' meetings. To pass a resolution, a majority of LendingClub Corp's board members must vote for the resolution. The LendingClub Corp board of directors' duties also include the election, removal, and supervision of officers, including the adoption, amendment, and repeal of bylaws.
Simon WilliamsIndependent DirectorProfile
Thomas CaseyChief Financial Officer, Independent DirectorProfile
Michael ZeisserIndependent DirectorProfile
Lawrence SummersDirectorProfile

How to buy LendingClub Stock?

Before investing in LendingClub Corp, you must ensure you fully understand your financial goals and how diversified (or not) your overall investments are now. Then, after you clearly understand your investment objectives, consider investing in LendingClub Corp. To buy LendingClub Corp stock, you can follow these steps:
  • Choose a brokerage firm: You need to select a brokerage firm to buy shares of LendingClub Corp. Some popular options include Charles Schwab, Fidelity, TD Ameritrade, and Robinhood.
  • Open an account: Once you have chosen a brokerage firm, you will need to open an account. You will be required to provide personal information, such as your name, address, and Social Security number.
  • Fund your account: You will need to deposit funds into your brokerage account to purchase LendingClub Corp stock. You can do this by transferring funds from your bank account or other investment accounts.
  • Place your order: Once you have located LendingClub Corp stock in your brokerage account, you can place your order to buy it. You will need to specify the number of shares you want to buy and the price you are willing to pay.
  • Monitor your investment: After you have purchased LendingClub Corp stock, you should monitor your investment to track its performance and make informed decisions about buying, selling, or holding the stock
It's important to note that investing in stocks, such as LendingClub Corp, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember various factors, including economic indicators, change in net worth, political events, company-specific news, and investor sentiment, can influence the stock market. These factors can cause fluctuations in stock prices and lead to market volatility affecting your buy or sell decision. However, volatility can also present opportunities for investors to make gains by buying stocks when prices are low and selling when they are high. It's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. For more information on how to buy LendingClub Stock please use our How to Invest in LendingClub Corp guide.

Already Invested in LendingClub Corp?

The danger of trading LendingClub Corp is mainly related to its market volatility and Company specific events. As an investor, you must understand the concept of risk-adjusted return before you start trading. The most common way to measure the risk of LendingClub Corp is by using the Sharpe ratio. The ratio expresses how much excess return you acquire for the extra volatility you endure for holding a more risker asset than LendingClub Corp. The Sharpe ratio is calculated by using standard deviation and excess return to determine reward per unit of risk. To understand how volatile LendingClub Corp is, you must compare it to a benchmark. Traditionally, the risk-free rate of return is the rate of return on the shortest-dated U.S. Treasury, such as a 3-year bond.
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 Cryptocurrency Center module to build and monitor diversified portfolio of extremely risky digital assets and cryptocurrency.

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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
0.36
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.