LendingClub Cost of Revenue vs Operating Income Analysis

LC Stock

USD 7.61 0.07 0.91%

LendingClub Corp financial indicator trend analysis is infinitely more than just investigating LendingClub Corp recent accounting drivers to predict future trends. We encourage investors to analyze account correlations over time for multiple indicators to determine whether LendingClub Corp is a good investment. Please check the relationship between LendingClub Corp Cost Of Revenue and its Operating Income accounts. 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.

Cost Of Revenue vs Operating Income

Cost of Revenue vs Operating Income Correlation Analysis

The overlapping area represents the amount of trend that can be explained by analyzing historical patterns of LendingClub Corp Cost of Revenue account and Operating Income. At this time, the significance of the direction appears to have very week relationship.

The correlation between LendingClub Corp's Cost of Revenue and Operating Income is 0.28. Overlapping area represents the amount of variation of Cost of Revenue that can explain the historical movement of Operating Income in the same time period over historical financial statements of LendingClub Corp, assuming nothing else is changed. The correlation between historical values of LendingClub Corp's Cost of Revenue and Operating Income is a relative statistical measure of the degree to which these accounts tend to move together. The correlation coefficient measures the extent to which Cost of Revenue of LendingClub Corp are associated (or correlated) with its Operating Income. Values of the correlation coefficient range from -1 to +1, where. The correlation of zero (0) is possible when Operating Income has no effect on the direction of Cost of Revenue i.e., LendingClub Corp's Cost of Revenue and Operating Income go up and down completely randomly.

Correlation Coefficient

0.28

Relationship Direction	Positive
Relationship Strength	Very Weak

View All Relationships

Cost Of Revenue

Cost of Revenue is found on LendingClub Corp income statement and represents the costs associated with goods and services LendingClub Corp provides. Indirect cost, such as salaries, is not included. In other words, cost of revenue is the total cost incurred to obtain a sale. It is more than the traditional cost of goods sold, since it includes specific selling and marketing activities.

Operating Income

Operating Income is the amount of profit realized from LendingClub Corp operations after accounting for operating expenses such as cost of goods sold (COGS), wages and depreciation. Operating income takes the gross income and subtracts other operating expenses and then removes depreciation. Operating Income of LendingClub Corp is typically a synonym for earnings before interest and taxes (EBIT) and is also commonly referred to as operating profit or recurring profit. Earnings before interest and taxes (EBIT), representing the amount of profit a company generates from its operations.

Most indicators from LendingClub Corp's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into LendingClub Corp current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. 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.At present, LendingClub Corp's Issuance Of Capital Stock is projected to decrease significantly based on the last few years of reporting.

	2021	2022	2023	2024 (projected)
Interest Income	292.8M	557.3M	832.6M	874.3M
Net Interest Income	212.8M	474.8M	561.8M	589.9M

Interest Income Net Interest Income

LendingClub Corp fundamental ratios Correlations

	Total Assets	Short Long Term Debt Total	Other Current Liab	Total Current Liabilities	Total Stockholder Equity	Property Plant And Equipment Net	Current Deferred Revenue	Net Debt	Retained Earnings	Accounts Payable	Cash	Non Current Assets Total	Non Currrent Assets Other	Other Assets	Cash And Short Term Investments	Net Receivables	Common Stock Total Equity	Common Stock Shares Outstanding	Non Current Liabilities Total	Other Current Assets	Other Stockholder Equity	Total Liab	Property Plant And Equipment Gross	Total Current Assets	Common Stock	Net Tangible Assets
Total Assets		-0.33	0.02	0.56	0.96	0.3	0.8	-0.87	-0.93	0.96	0.96	-0.16	-0.07	0.98	0.97	0.44	-0.16	0.93	0.88	-0.05	0.85	0.99	0.0	0.99	0.94	-0.15
Short Long Term Debt Total	-0.33		-0.12	-0.15	-0.28	-0.39	-0.04	0.67	0.31	-0.34	-0.33	0.03	0.25	-0.24	-0.32	0.35	0.77	-0.3	0.03	0.68	-0.29	-0.35	-0.38	-0.39	-0.24	0.23
Other Current Liab	0.02	-0.12		-0.34	0.04	-0.16	0.05	-0.12	-0.06	0.05	0.06	-0.07	0.05	-0.01	0.06	-0.14	-0.46	0.07	0.04	0.03	-0.15	0.01	-0.09	0.07	0.07	-0.26
Total Current Liabilities	0.56	-0.15	-0.34		0.65	0.48	0.63	-0.52	-0.65	0.6	0.61	-0.05	0.11	0.56	0.62	0.23	-0.1	0.63	0.59	-0.1	0.64	0.48	0.0	0.57	0.62	-0.07
Total Stockholder Equity	0.96	-0.28	0.04	0.65		0.22	0.91	-0.88	-0.99	0.99	1.0	-0.22	0.13	0.96	1.0	0.4	-0.21	0.99	0.94	-0.01	0.79	0.91	-0.19	0.98	0.99	-0.29
Property Plant And Equipment Net	0.3	-0.39	-0.16	0.48	0.22		-0.11	-0.27	-0.17	0.24	0.19	0.39	-0.47	0.3	0.22	0.17	-0.1	0.14	0.02	-0.41	0.68	0.34	0.73	0.26	0.12	0.59
Current Deferred Revenue	0.8	-0.04	0.05	0.63	0.91	-0.11		-0.72	-0.93	0.88	0.9	-0.34	0.42	0.82	0.9	0.37	-0.15	0.94	0.95	0.17	0.51	0.7	-0.52	0.82	0.94	-0.52
Net Debt	-0.87	0.67	-0.12	-0.52	-0.88	-0.27	-0.72		0.9	-0.9	-0.91	0.14	-0.05	-0.82	-0.9	-0.09	0.56	-0.9	-0.7	0.31	-0.68	-0.83	0.03	-0.92	-0.87	0.41
Retained Earnings	-0.93	0.31	-0.06	-0.65	-0.99	-0.17	-0.93	0.9		-0.99	-0.99	0.24	-0.2	-0.92	-0.99	-0.34	0.29	-1.0	-0.94	0.03	-0.73	-0.86	0.26	-0.96	-1.0	0.4
Accounts Payable	0.96	-0.34	0.05	0.6	0.99	0.24	0.88	-0.9	-0.99		0.99	-0.16	0.15	0.95	0.99	0.37	-0.27	0.98	0.92	-0.04	0.78	0.91	-0.19	0.97	0.98	-0.32
Cash	0.96	-0.33	0.06	0.61	1.0	0.19	0.9	-0.91	-0.99	0.99		-0.23	0.13	0.95	1.0	0.35	-0.26	0.99	0.93	-0.03	0.76	0.91	-0.2	0.98	0.99	-0.33
Non Current Assets Total	-0.16	0.03	-0.07	-0.05	-0.22	0.39	-0.34	0.14	0.24	-0.16	-0.23		0.09	-0.17	-0.21	-0.16	-0.02	-0.25	-0.31	-0.01	0.04	-0.12	0.34	-0.23	-0.26	0.32
Non Currrent Assets Other	-0.07	0.25	0.05	0.11	0.13	-0.47	0.42	-0.05	-0.2	0.15	0.13	0.09		-0.01	0.13	-0.11	-0.16	0.22	0.25	0.25	-0.33	-0.19	-0.75	-0.05	0.22	-0.62
Other Assets	0.98	-0.24	-0.01	0.56	0.96	0.3	0.82	-0.82	-0.92	0.95	0.95	-0.17	-0.01		0.96	0.5	-0.09	0.92	0.9	0.01	0.83	0.96	-0.06	0.95	0.93	-0.1
Cash And Short Term Investments	0.97	-0.32	0.06	0.62	1.0	0.22	0.9	-0.9	-0.99	0.99	1.0	-0.21	0.13	0.96		0.36	-0.24	0.99	0.93	-0.02	0.78	0.91	-0.19	0.98	0.99	-0.31
Net Receivables	0.44	0.35	-0.14	0.23	0.4	0.17	0.37	-0.09	-0.34	0.37	0.35	-0.16	-0.11	0.5	0.36		0.51	0.34	0.51	0.12	0.47	0.45	-0.01	0.36	0.38	0.23
Common Stock Total Equity	-0.16	0.77	-0.46	-0.1	-0.21	-0.1	-0.15	0.56	0.29	-0.27	-0.26	-0.02	-0.16	-0.09	-0.24	0.51		-0.29	-0.01	0.39	0.06	-0.12	0.0	-0.25	-0.23	0.59
Common Stock Shares Outstanding	0.93	-0.3	0.07	0.63	0.99	0.14	0.94	-0.9	-1.0	0.98	0.99	-0.25	0.22	0.92	0.99	0.34	-0.29		0.94	-0.01	0.71	0.86	-0.28	0.96	1.0	-0.42
Non Current Liabilities Total	0.88	0.03	0.04	0.59	0.94	0.02	0.95	-0.7	-0.94	0.92	0.93	-0.31	0.25	0.9	0.93	0.51	-0.01	0.94		0.23	0.66	0.8	-0.4	0.88	0.96	-0.32
Other Current Assets	-0.05	0.68	0.03	-0.1	-0.01	-0.41	0.17	0.31	0.03	-0.04	-0.03	-0.01	0.25	0.01	-0.02	0.12	0.39	-0.01	0.23		-0.16	-0.08	-0.45	-0.09	0.03	-0.02
Other Stockholder Equity	0.85	-0.29	-0.15	0.64	0.79	0.68	0.51	-0.68	-0.73	0.78	0.76	0.04	-0.33	0.83	0.78	0.47	0.06	0.71	0.66	-0.16		0.85	0.33	0.81	0.71	0.29
Total Liab	0.99	-0.35	0.01	0.48	0.91	0.34	0.7	-0.83	-0.86	0.91	0.91	-0.12	-0.19	0.96	0.91	0.45	-0.12	0.86	0.8	-0.08	0.85		0.12	0.96	0.87	-0.05
Property Plant And Equipment Gross	0.0	-0.38	-0.09	0.0	-0.19	0.73	-0.52	0.03	0.26	-0.19	-0.2	0.34	-0.75	-0.06	-0.19	-0.01	0.0	-0.28	-0.4	-0.45	0.33	0.12		-0.05	-0.3	0.69
Total Current Assets	0.99	-0.39	0.07	0.57	0.98	0.26	0.82	-0.92	-0.96	0.97	0.98	-0.23	-0.05	0.95	0.98	0.36	-0.25	0.96	0.88	-0.09	0.81	0.96	-0.05		0.95	-0.25
Common Stock	0.94	-0.24	0.07	0.62	0.99	0.12	0.94	-0.87	-1.0	0.98	0.99	-0.26	0.22	0.93	0.99	0.38	-0.23	1.0	0.96	0.03	0.71	0.87	-0.3	0.95		-0.39
Net Tangible Assets	-0.15	0.23	-0.26	-0.07	-0.29	0.59	-0.52	0.41	0.4	-0.32	-0.33	0.32	-0.62	-0.1	-0.31	0.23	0.59	-0.42	-0.32	-0.02	0.29	-0.05	0.69	-0.25	-0.39

Click cells to compare fundamentals

LendingClub Corp Account Relationship Matchups

LendingClub Corp fundamental ratios Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Total Assets	3.0B	1.9B	4.9B	8.0B	8.8B	9.3B
Short Long Term Debt Total	1.8B	989.1M	430.0M	143.4M	57.2M	54.4M
Other Current Liab	(13.7M)	(4.9M)	(128.8M)	(100.8M)	(58.5M)	(61.5M)
Total Current Liabilities	607.6M	151.9M	128.8M	100.8M	58.5M	55.6M
Total Stockholder Equity	900.2M	724.2M	850.2M	1.2B	1.3B	1.1B
Property Plant And Equipment Net	207.9M	170.7M	175.3M	200.3M	188.1M	108.8M
Net Debt	1.6B	464.1M	(257.1M)	(913.6M)	(1.2B)	(1.2B)
Retained Earnings	(548.5M)	(786.2M)	(717.4M)	(427.7M)	(388.8M)	(408.2M)
Accounts Payable	20.1M	46.9M	101.0M	98.2M	54.6M	59.5M
Cash	243.8M	525.0M	687.1M	1.1B	1.3B	937.0M
Non Current Assets Total	501.6M	389.0M	637.8M	762.1M	237.2M	375.3M
Non Currrent Assets Other	(501.6M)	(389.0M)	(637.8M)	(173.7M)	(1.9B)	(1.8B)
Other Assets	1.9B	791.7M	3.3B	5.8B	5.7B	3.2B
Cash And Short Term Investments	514.7M	667.2M	950.7M	1.4B	1.3B	1.0B
Net Receivables	41.6M	31.9M	15.4M	30.9M	35.8M	37.6M
Common Stock Total Equity	892K	881K	1.0M	1.1M	1.2M	1.8M
Common Stock Shares Outstanding	87.3M	90.4M	102.1M	104.0M	108.5M	103.0M
Liabilities And Stockholders Equity	3.0B	1.9B	4.9B	8.0B	8.8B	9.3B
Non Current Liabilities Total	1.2B	889.0M	402.2M	140.8M	204.3M	194.1M
Other Current Assets	(565.5M)	(628.5M)	(763.6M)	(1.1B)	(1.3B)	(1.3B)
Other Stockholder Equity	1.4B	1.5B	1.6B	1.6B	1.7B	1.8B
Total Liab	2.1B	1.1B	4.1B	6.8B	7.6B	8.0B
Property Plant And Equipment Gross	207.9M	170.7M	98.0M	302.9M	294.1M	308.8M
Total Current Assets	546.6M	682.6M	950.7M	1.4B	2.9B	3.0B
Accumulated Other Comprehensive Income	(565K)	1.5M	7.0M	(37.6M)	(30.3M)	(31.8M)
Common Stock	892K	881K	1.0M	1.1M	1.1M	1.0M
Net Tangible Assets	885.6M	712.7M	774.5M	1.1B	1.3B	711.3M
Long Term Debt	1.1B	636.8M	610.3M	130.3M	19.4M	18.4M
Retained Earnings Total Equity	(548.5M)	(786.2M)	(767.6M)	(427.7M)	(385.0M)	(404.2M)
Long Term Debt Total	1.1B	636.8M	15.5M	130.3M	117.3M	111.4M
Non Current Liabilities Other	740.4M	352.3M	871.1M	420.3M	483.3M	519.2M
Short Term Debt	587.5M	105.0M	27.8M	2.6M	3.9M	3.7M
Property Plant Equipment	114.4M	96.6M	98.0M	136.5M	156.9M	164.8M
Short Term Investments	270.9M	142.2M	263.5M	345.7M	1.6B	1.7B
Capital Surpluse	1.5B	1.5B	1.6B	1.6B	1.9B	1.2B
Inventory	20.0M	565.5M	628.5M	1.1B	1.3B	1.3B

Building efficient market-beating portfolios requires time, education, and a lot of computing power!

The Portfolio Architect is an AI-driven system that provides multiple benefits to our users by leveraging cutting-edge machine learning algorithms, statistical analysis, and predictive modeling to automate the process of asset selection and portfolio construction, saving time and reducing human error for individual and institutional investors.

Try AI Portfolio Architect

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:

How To Invest In LendingClub

Details

Is LendingClub Stock a good investment?

Details

What is LendingClub Corp's Net Worth?

Details

Largest Consumer Finance Companies

View

Largest Financial Services Companies

View

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 Equity Search module to search for actively traded equities including funds and ETFs from over 30 global markets.

Complementary Tools for LendingClub Stock analysis

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.

	Stock Tickers Use high-impact, comprehensive, and customizable stock tickers that can be easily integrated to any websites
	Price Transformation Use Price Transformation models to analyze the depth of different equity instruments across global markets
	Portfolio Anywhere Track or share privately all of your investments from the convenience of any device
	Performance Analysis Check effects of mean-variance optimization against your current asset allocation
	Financial Widgets Easily integrated Macroaxis content with over 30 different plug-and-play financial widgets
	Transaction History View history of all your transactions and understand their impact on performance
	AI Portfolio Architect Use AI to generate optimal portfolios and find profitable investment opportunities
	ETFs Find actively traded Exchange Traded Funds (ETF) from around the world
	Latest Portfolios Quick portfolio dashboard that showcases your latest portfolios
	Economic Indicators Top statistical indicators that provide insights into how an economy is performing
	My Watchlist Analysis Analyze my current watchlist and to refresh optimization strategy. Macroaxis watchlist is based on self-learning algorithm to remember stocks you like

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.

Macroaxis helps investors of all levels and skills to maximize the upside of all their holdings and minimize the risk associated with market volatility, economic swings, and company-specific events. View terms and conditions

Feedback Blog

Made with optimal in San Francisco

2024 Macroaxis LLC

LendingClub Cost of Revenue vs Operating Income Analysis

Cost Of Revenue vs Operating Income

Cost of Revenue vs Operating Income Correlation Analysis

Correlation Coefficient

Cost Of Revenue

Operating Income

LendingClub Corp fundamental ratios Correlations

LendingClub Corp Account Relationship Matchups

High Positive Relationship

High Negative Relationship

LendingClub Corp fundamental ratios Accounts

Building efficient market-beating portfolios requires time, education, and a lot of computing power!

Complementary Tools for LendingClub Stock analysis

COMMON DESTINATIONS

MAIN CATEGORIES

COMPANY

Cash	+ 1.0	Total Stockholder Equity
Cash And Short Term Investments	+ 1.0	Total Stockholder Equity
Cash And Short Term Investments	+ 1.0	Cash
Common Stock	+ 1.0	Common Stock Shares Outstanding
Total Liab	+ 0.99	Total Assets
Total Current Assets	+ 0.99	Total Assets

Common Stock	- 1.0	Retained Earnings
Common Stock Shares Outstanding	- 1.0	Retained Earnings
Cash And Short Term Investments	- 0.99	Retained Earnings
Cash	- 0.99	Retained Earnings
Accounts Payable	- 0.99	Retained Earnings
Retained Earnings	- 0.99	Total Stockholder Equity