Lendingclub Stock Buy Hold or Sell Recommendation

LC -  USA Stock  

USD 15.88  0.28  1.73%

Allowing for the 90-day total investment horizon and your above-average risk tolerance, our recommendation regarding Lendingclub Corp is 'Strong Hold'. Macroaxis provides Lendingclub Corp buy-hold-or-sell recommendation only in the context of selected investment horizon and investor attitude towards risk assumed by holding LC positions. The advice algorithm takes into account all of Lendingclub Corp's available fundamental, technical, and predictive indicators you will find on this site.

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The advice is provided from Lendingclub Corp's buy-and-hold perspective. Additionally, see Lendingclub Corp Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. We conduct extensive research on individual companies such as Lendingclub and provide practical buy, sell, or hold advice based on selected investing horizon and risk tolerance towards Lendingclub Corp.

Execute Lendingclub Corp Buy or Sell Advice

The Lendingclub recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on Lendingclub Corp. Macroaxis does not own or have any residual interests in Lendingclub Corp or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute Lendingclub Corp's advice using the current market data and latest reported fundamentals.

Time Horizon

Risk Tolerance

Execute Advice
Sell Lendingclub CorpBuy Lendingclub Corp
Strong Hold

Volatility

Not too volatileDetails

Hype Condition

Over hypedDetails

Current Valuation

OvervaluedDetails

Odds of Distress

Close to AverageDetails

Economic Sensitivity

Almost mirrors the marketDetails

Analyst Consensus

HoldDetails

Financial Strenth (F Score)

HealthyDetails

Financial Leverage

InapplicableDetails

Reporting Quality (M-Score)

Unlikely ManipulatorDetails
For the selected time horizon Lendingclub Corp has a Risk Adjusted Performance of 0.0627, Jensen Alpha of 0.2075, Total Risk Alpha of 0.0905, Sortino Ratio of 0.0637 and Treynor Ratio of 0.2178
Our investment recommendation tool can cross-verify current analyst consensus on Lendingclub Corp and to analyze the entity potential to grow in the current economic cycle. To make sure Lendingclub Corp is not overpriced, please verify all Lendingclub Corp fundamentals, including its net income, book value per share, and the relationship between the revenue and total debt . Given that Lendingclub Corp has a number of shares shorted of 5.05 M, we recommend you to check Lendingclub Corp market performance and probability of bankruptcy to ensure the company can sustain itself in the current economic cycle given your last-minute risk tolerance and investing horizon.

Lendingclub Corp Trading Alerts and Improvement Suggestions

Lendingclub Corp has very high historical volatility over the last 90 days
The company generated the yearly revenue of 405.58 M. Annual Net Loss to common stockholders was (186.54 M) with gross profit of 450.06 M.
Over 85.0% of the company shares are owned by institutional investors
Latest headline from www.equities.com: LendingClub Corp gains 4.63 percent for July 20 - Equities.com

Lendingclub Corp current analysts advice

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 Mean Price17.20
Target Median Price16.00
Target High Price25.00
Recommendation Mean2.70
Number Of Analyst Opinions5
Target Low Price11.00
Average Consensus Hold
The consensus estimates and target price estimation comprises individual analyst assessments, and may or may not mutch the Macroaxis buy or sell advice. It is determined by taking an average of all analyst recommendations and classifying them as Strong Buy, Buy, Hold, or Sell.

Lendingclub Corp Returns Distribution Density

The distribution of Lendingclub Corp's historical returns is an attempt to chart the future uncertainty of Lendingclub Corp's future price movements. The chart of the probability distribution of Lendingclub Corp stock daily returns describes the distribution of returns around its average expected value. We use Lendingclub Corp price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of Lendingclub Corp returns is essential to provide solid investment advice for Lendingclub Corp stock.
Mean Return0.25Value At Risk-3.81
Potential Upside5.30Standard Deviation3.47
 Return Density 
      Distribution 
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of Lendingclub Corp historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.

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.
Security TypeSharesValue
Assenagon Asset Management SaCommon Shares1.1 M20.5 M
Nordea Investment Management AbCommon Shares290.4 K5.3 M
First Midwest Bank Trust DivisionCommon Shares99 K1.8 M
Grassi Investment ManagementCommon Shares83.2 K1.5 M
Joel Isaacson Co LlcCommon Shares19.5 K353 K
Nkcfo LlcCommon Shares11 K199 K
Geneos Wealth Management IncCommon Shares7.8 K133 K
Cutler Group LpCall Options21.3 K48 K
Cutler Group LpPut Options16.5 K10 K
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 Corp Cash Flow Accounts

201620172018201920202021 (projected)
Capital Expenditure(51.84 M)(44.62 M)(52.98 M)(50.67 M)(31.15 M)(33.61 M)
Depreciation Amortization and Accretion29.88 M46.21 M54.76 M59.15 M54.03 M46.3 M
Net Cash Flow or Change in Cash and Cash Equivalents(10.85 M)(49.12 M)(231 K)(156.94 M)141.36 M152.52 M
Issuance Purchase of Equity Shares831.76 M16.76 M(1.03 M)20.17 M18.16 M18.63 M
Issuance Repayment of Debt Securities315.67 M(485.91 M)(227.76 M)(514.71 M)(785.14 M)(805.8 M)
Net Cash Flow from Financing314.48 M(474.31 M)(239.23 M)(540.06 M)(842.44 M)(864.61 M)
Net Cash Flow from Investing(325.88 M)998.57 M878.74 M653.77 M565.77 M610.44 M
Net Cash Flow Investment Acquisitions and Disposals(274.04 M)1.04 B929.97 M703.88 M596.52 M643.61 M
Net Cash Flow from Operations545 K(573.39 M)(639.74 M)(270.64 M)418.03 M451.03 M
Share Based Compensation69.24 M70.98 M75.09 M73.64 M61.53 M61.08 M

Lendingclub Corp Greeks

Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to Lendingclub Corp or Financial Services sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that Lendingclub Corp stock's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a Lendingclub stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α
Alpha over DOW
0.21
β
Beta against DOW1.12
σ
Overall volatility
3.47
Ir
Information ratio 0.06

Lendingclub Corp Volatility Alert

Lendingclub Corp shows above-average downside volatility for the selected time horizon. We advise investors to inspect Lendingclub Corp further and ensure that all market timing and asset allocation strategies are consistent with the estimation of Lendingclub Corp future alpha. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure Lendingclub Corp's stock risk against market volatility during both bullying and bearish trends. The higher level of volatility that comes with bear markets can directly impact Lendingclub Corp's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different stocks as prices fall.

Lendingclub Corp Fundamentals Vs Peers

Comparing Lendingclub Corp's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze Lendingclub Corp's direct or indirect competition across all of the common fundamentals between Lendingclub Corp and the related equities. This way, we can detect undervalued stocks with similar characteristics as Lendingclub Corp or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of Lendingclub Corp's fundamental indicators could also be used in its relative valuation, which is a method of valuing Lendingclub Corp by comparing valuation metrics with those of similar companies.
    
 Better Than Average     
    
 Worse Than Average Compare Lendingclub Corp to competition
FundamentalsLendingclub CorpPeer Average
Return On Equity(24.39) %(0.31) %
Return On Asset(0.55) %(0.14) %
Profit Margin(45.99) %(1.27) %
Operating Margin(7.82) %(5.51) %
Current Valuation2.24 B16.62 B
Shares Outstanding97.23 M571.82 M
Shares Owned by Insiders2.23 %10.09 %
Shares Owned by Institutions85.05 %39.21 %
Number of Shares Shorted5.05 M4.71 M
Price to Earning(18.16) X28.72 X
Price to Book2.11 X9.51 X
Price to Sales3.81 X11.42 X
Revenue405.58 M9.43 B
Gross Profit450.06 M27.38 B
EBITDA14.34 M3.9 B
Net Income(186.54 M)570.98 M
Cash and Equivalents831.8 M2.7 B
Cash per Share8.56 X5.01 X
Total Debt1.22 B5.32 B
Debt to Equity1.67 %48.70 %
Current Ratio20.45 X2.16 X
Book Value Per Share7.54 X1.93 K
Cash Flow from Operations583.11 M971.22 M
Short Ratio2.32 X4.00 X
Earnings Per Share(2.03) X3.12 X
Price to Earnings To Growth1.47 X4.89 X
Number of Employees1.19 K18.84 K
Beta1.79-0.15
Market Capitalization1.54 B19.03 B
Total Asset5.79 B29.47 B
Retained Earnings(562.91 M)9.33 B
Z Score0.68.72
   Payment of 5461 shares by Thomas Casey of Lendingclub Corp subject to Rule 16b-3 [view details]

Lendingclub Corp Market Momentum

Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as Lendingclub . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
Accumulation Distribution22457.48
Daily Balance Of Power(0.47)
Rate Of Daily Change0.98
Day Median Price16.08
Day Typical Price16.01
Market Facilitation Index0.0
Price Action Indicator(0.33)

About Lendingclub Corp Buy or Sell Advice

When is the right time to buy or sell Lendingclub Corp? Buying financial instruments such as Lendingclub Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the stock market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Although Lendingclub Corp investors may find it confusing at the beginning, most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.
 2018 2019 2020 2021 (projected)
Cash and Equivalents644.06 M487.12 M628.49 M676.68 M
Total Assets3.82 B2.98 B1.86 B2.59 B

Use Investing Ideas to Build Portfolios

In addition to having Lendingclub Corp in your portfolios, you can quickly 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 investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.

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Daily selected watch list of stocks of large companies handpicked by Macroaxis Team based on their diversification potential. Macroaxis Picks theme has 46 constituents.
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Additionally, see Lendingclub Corp Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. 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 Piotroski F Score module to get Piotroski F Score based on binary analysis strategy of nine different fundamentals.

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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 underlying business (such as 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 Lendingclub Corp value 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.