No significant weaknesses identified
| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| SOFISoFi Technologies, Inc. | 33.41B | 26.44 | 67.79 | 27.82% | 13.46% | 7.29% | 0.49 | |
| ANTAAntalpha Platform Holding Company | 228.13M | 9.64 | 50.71 | 320.96% | 9.26% | 3.6% | 8.84 | |
| LCLendingClub Corporation | 2.35B | 20.36 | 45.24 | 2.25% | 4.42% | 7.1% | 0.02 | |
| NRDSNerdWallet, Inc. | 543.62M | 13.25 | 33.97 | 14.71% | 4.42% | 18.22% | 13.1% | 0.02 |
| UPSTUpstart Holdings, Inc. | 4.66B | 47.91 | -33.27 | 23.6% | -18.99% | 4.33% | 3.98% | 2.29 |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 3.23M | 8.29M | 39.84M | 101.86M | 98.04M | 59.33M | 212.83M | 474.82M | 561.84M | 534.04M |
| NII Growth % | 2.49% | 1.57% | 3.8% | 1.56% | -0.04% | -0.39% | 2.59% | 1.23% | 0.18% | -0.05% |
| Net Interest Margin % | - | - | - | - | - | - | - | - | - | - |
| Interest Income | 552.97M | 696.66M | 611.26M | 487.46M | 345.35M | 209.69M | 292.83M | 557.34M | 832.63M | 907.96M |
| Interest Expense | 549.74M | 688.37M | 571.42M | 385.61M | 247.3M | 150.37M | 80M | 82.52M | 270.79M | 373.92M |
| Loan Loss Provision | 0 | 0 | 0 | 0 | 0 | 3.38M | 138.8M | 267.33M | 243.56M | 178.27M |
| Non-Interest Income | 365.38M | 417.76M | 447.81M | 493.58M | 633.86M | 245.53M | 605.8M | 712.39M | 302.78M | 252.97M |
| Non-Interest Income % | - | - | - | - | - | - | - | - | - | - |
| Total Revenue | 918.35M | 1.11B | 1.06B | 981.04M | 979.2M | 455.22M | 898.63M | 1.27B | 1.14B | 1.16B |
| Revenue Growth % | 0.73% | 0.21% | -0.05% | -0.07% | -0% | -0.54% | 0.97% | 0.41% | -0.11% | 0.02% |
| Non-Interest Expense | 370.77M | 576.25M | 641.06M | 723.55M | 762.79M | 489.09M | 661.39M | 766.85M | 566.44M | 543.68M |
| Efficiency Ratio | - | - | - | - | - | - | - | - | - | - |
| Operating Income | -2.16M | -150.2M | -153.41M | -128.11M | -30.89M | -187.62M | 18.44M | 153.04M | 54.62M | 65.07M |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - |
| Operating Income Growth % | 0.93% | -68.47% | -0.02% | 0.16% | 0.76% | -5.07% | 1.1% | 7.3% | -0.64% | 0.19% |
| Pretax Income | -2.16M | -150.2M | -153.41M | -128.11M | -30.89M | -187.62M | 18.44M | 153.04M | 54.62M | 65.07M |
| Pretax Margin % | - | - | - | - | - | - | - | - | - | - |
| Income Tax | 2.83M | -4.23M | 632K | 43K | -201K | -79K | -136K | -136.65M | 15.68M | 13.74M |
| Effective Tax Rate % | - | - | - | - | - | - | - | - | - | - |
| Net Income | -5M | -145.97M | -153.84M | -128.31M | -30.75M | -187.54M | 18.58M | 289.69M | 38.94M | 51.33M |
| Net Margin % | - | - | - | - | - | - | - | - | - | - |
| Net Income Growth % | 0.85% | -28.22% | -0.05% | 0.17% | 0.76% | -5.1% | 1.1% | 14.59% | -0.87% | 0.32% |
| Net Income (Continuing) | -5M | -145.97M | -154.04M | -128.15M | -30.69M | -187.54M | 18.58M | 289.69M | 38.94M | 51.33M |
| EPS (Diluted) | -0.07 | -1.88 | -1.88 | -1.52 | -0.35 | -2.07 | 0.18 | 2.79 | 0.36 | 0.45 |
| EPS Growth % | 0.97% | -27.23% | 0% | 0.19% | 0.77% | -4.91% | 1.09% | 14.5% | -0.87% | 0.25% |
| EPS (Basic) | -0.07 | -1.88 | -1.88 | -1.52 | -0.35 | -2.07 | 0.19 | 2.80 | 0.36 | 0.46 |
| Diluted Shares Outstanding | 74.97M | 77.55M | 81.8M | 84.58M | 87.28M | 90.44M | 102.15M | 104M | 108.47M | 113.12M |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Cash & Due from Banks | 624.4M | 515.6M | 401.72M | 372.97M | 243.78M | 524.96M | 687.13M | 1.06B | 1.25B | 954.06M |
| Short Term Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Total Investments | 4.85B | 4.62B | 3.66B | 2.9B | 2.12B | 959.04M | 3.54B | 6.02B | 6.77B | 8.99B |
| Investments Growth % | 0.73% | -0.05% | -0.21% | -0.21% | -0.27% | -0.55% | 2.69% | 0.7% | 0.12% | 0.33% |
| Long-Term Investments | 4.56B | 4.33B | 3.54B | 2.73B | 1.85B | 816.82M | 3.28B | 5.68B | 5.15B | 8.98B |
| Accounts Receivables | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 0 | 1000K | 1000K | 1000K |
| Goodwill & Intangibles | - | - | - | - | - | - | - | - | - | - |
| Goodwill | 72.68M | 35.63M | 35.63M | 0 | 0 | 0 | 75.72M | 75.72M | 75.72M | 75.72M |
| Intangible Assets | 30.97M | 26.21M | 21.92M | 18.05M | 14.55M | 67.77M | 91.55M | 16.33M | 12.13M | 8.59M |
| PP&E (Net) | 55.93M | 89.26M | 101.93M | 113.88M | 207.85M | 170.68M | 175.31M | 200.34M | 188.13M | 188.84M |
| Other Assets | 94.22M | 202.76M | 287.03M | 342.63M | 344.89M | 108.93M | 178.41M | 244.65M | 228.26M | -9.15B |
| Total Current Assets | 983.5M | 877.36M | 654.67M | 610.62M | 561.44M | 699.09M | 1.1B | 1.59B | 3.02B | 3.47B |
| Total Non-Current Assets | 4.81B | 4.69B | 3.99B | 3.21B | 2.42B | 1.16B | 3.8B | 6.39B | 5.81B | 243.25M |
| Total Assets | 5.79B | 5.56B | 4.64B | 3.82B | 2.98B | 1.86B | 4.9B | 7.98B | 8.83B | 10.63B |
| Asset Growth % | 0.49% | -0.04% | -0.17% | -0.18% | -0.22% | -0.38% | 1.63% | 0.63% | 0.11% | 0.2% |
| Return on Assets (ROA) | -0% | -0.03% | -0.03% | -0.03% | -0.01% | -0.08% | 0.01% | 0.04% | 0% | 0.01% |
| Accounts Payable | 45.79M | 54.46M | 42.39M | 26.34M | 20.11M | 46.88M | 100.97M | 98.17M | 54.62M | 78.13M |
| Total Debt | 4.57B | 4.32B | 3.33B | 3.08B | 2.41B | 989.11M | 429.99M | 210.19M | 57.22M | 28.5M |
| Net Debt | 3.95B | 3.81B | 2.93B | 2.71B | 2.17B | 464.15M | -257.13M | -846.84M | -1.2B | -925.56M |
| Long-Term Debt | 4.57B | 4.32B | 3.27B | 2.16B | 1.12B | 789.58M | 310.63M | 130.28M | 19.35M | 0 |
| Short-Term Debt | 0 | 0 | 64.2M | 917.6M | 1.17B | 104.99M | 27.78M | 2.62M | 0 | 13.66M |
| Other Liabilities | 109.74M | 177.57M | 300.12M | -225.77M | -397.77M | 83.82M | 383.32M | 114.53M | 130.31M | 7.38B |
| Total Current Liabilities | 59.84M | 74.2M | 127.91M | 986.46M | 1.23B | 166.26M | 3.26B | 6.49B | 7.39B | 1.89B |
| Total Non-Current Liabilities | 4.69B | 4.51B | 3.59B | 1.96B | 850.34M | 972.87M | 785.54M | 322.11M | 187.54M | 7.4B |
| Total Liabilities | 4.75B | 4.59B | 3.71B | 2.95B | 2.08B | 1.14B | 4.05B | 6.82B | 7.58B | 9.29B |
| Total Equity | 1.04B | 975.77M | 927.76M | 870.98M | 900.19M | 724.17M | 850.24M | 1.16B | 1.25B | 1.34B |
| Equity Growth % | 0.07% | -0.06% | -0.05% | -0.06% | 0.03% | -0.2% | 0.17% | 0.37% | 0.08% | 0.07% |
| Equity / Assets (Capital Ratio) | - | - | - | - | - | - | - | - | - | - |
| Return on Equity (ROE) | -0% | -0.14% | -0.16% | -0.14% | -0.03% | -0.23% | 0.02% | 0.29% | 0.03% | 0.04% |
| Book Value per Share | 13.90 | 12.58 | 11.34 | 10.30 | 10.31 | 8.01 | 8.32 | 11.19 | 11.54 | 11.86 |
| Tangible BV per Share | - | - | - | - | - | - | - | - | - | - |
| Common Stock | 3.8M | 4M | 4.2M | 864K | 892K | 881K | 1.01M | 1.06M | 1.1M | 1.13M |
| Additional Paid-in Capital | 1.13B | 1.23B | 1.33B | 1.41B | 1.47B | 1.51B | 1.56B | 1.63B | 1.67B | 1.7B |
| Retained Earnings | -88.22M | -234.19M | -389.42M | -517.73M | -548.47M | -786.21M | -717.43M | -427.75M | -388.81M | -337.48M |
| Accumulated OCI | -1.67M | -767K | -5K | 157K | -565K | 1.48M | 7.05M | -37.62M | -30.3M | -24.24M |
| Treasury Stock | 0 | -19.48M | -19.48M | -19.48M | -19.55M | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 74.74M | 545K | -573.39M | -639.74M | -270.64M | 418.03M | 239.87M | 375.57M | -1.14B | -2.63B |
| Operating CF Growth % | 0.5% | -0.99% | -1053.09% | -0.12% | 0.58% | 2.54% | -0.43% | 0.57% | -4.03% | -1.32% |
| Net Income | -5M | -145.97M | -154.04M | -128.15M | -30.69M | -187.54M | 18.58M | 289.69M | 38.94M | 51.33M |
| Depreciation & Amortization | 21.58M | 29.88M | 46.21M | 54.76M | 62.15M | 54.03M | 44.28M | 43.83M | 47.2M | 53.3M |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 | -27.43M | 0 | -143.5M | 0 | 0 |
| Other Non-Cash Items | -6.37M | 23.37M | -618.57M | -579.77M | -299.63M | 613.98M | 93.61M | 156.78M | -1.24B | -2.79B |
| Working Capital Changes | 13.3M | 24.02M | 82.04M | -61.67M | -76.11M | -96.54M | 16.64M | -37.6M | -32.85M | 15.96M |
| Cash from Investing | -2.41B | -325.88M | 998.57M | 878.74M | 653.77M | 565.77M | -454.41M | -2.81B | 516.7M | 607.81M |
| Purchase of Investments | -419.17M | -85.98M | -139.77M | -136.44M | -144.48M | -53.74M | -100.47M | -222.53M | -61.65M | -49.79M |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Net Investment Activity | - | - | - | - | - | - | - | - | - | - |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 418.58M | 522.89M | 0 | 0 | 0 |
| Other Investing | -2.07B | -275.21M | 819.88M | 867.45M | 612.39M | 400K | -1.09B | -2.6B | 540.14M | -226.51M |
| Cash from Financing | 2.09B | 314.48M | -474.31M | -239.23M | -540.06M | -842.44M | 349.64M | 2.8B | 789.57M | 1.71B |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | -50.2M | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | -19.48M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Stock Issued | 5.09M | 5.24M | 5.61M | 5.23M | 2.41M | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | - | - | - | - | - | - | - | - | - | - |
| Debt Issuance (Net) | 1000K | 1000K | -1000K | -1000K | -1000K | -1000K | -1000K | -1000K | 1000K | -1000K |
| Other Financing | 45.63M | 65.77M | 893K | -21.2M | -29.18M | -8.95M | 1.12B | 3.25B | -19.83M | 1.73B |
| Net Change in Cash | -246.25M | -10.85M | -49.12M | -231K | -156.94M | 141.36M | 135.1M | 360.9M | 169.66M | -316.75M |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 869.78M | 704.26M | 693.41M | 644.29M | 644.06M | 487.12M | 628.49M | 763.59M | 1.12B | 1.29B |
| Cash at End | 623.53M | 693.41M | 644.29M | 644.06M | 487.12M | 628.49M | 763.59M | 1.12B | 1.29B | 977.4M |
| Interest Paid | 536.45M | 684.77M | 581.43M | 394.46M | 254.59M | 143.84M | 77.33M | 79.73M | 258.63M | 378.28M |
| Income Taxes Paid | 0 | 0 | 0 | 0 | 0 | 3K | 4.8M | 14.46M | 6.63M | 275K |
| Free Cash Flow | 35.35M | -51.3M | -618M | -692.72M | -321.31M | 386.88M | 205.46M | 306.09M | -1.2B | -2.69B |
| FCF Growth % | 0.2% | -2.45% | -11.05% | -0.12% | 0.54% | 2.2% | -0.47% | 0.49% | -4.91% | -1.25% |
| Metric | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | -0.5% | -14.47% | -16.16% | -14.27% | -3.47% | -23.09% | 2.36% | 28.76% | 3.22% | 3.96% |
| Return on Assets (ROA) | -0.1% | -2.57% | -3.02% | -3.03% | -0.9% | -7.74% | 0.55% | 4.5% | 0.46% | 0.53% |
| Net Interest Margin | 0.06% | 0.15% | 0.86% | 2.67% | 3.29% | 3.18% | 4.34% | 5.95% | 6.36% | 5.02% |
| Efficiency Ratio | 40.37% | 51.71% | 60.53% | 73.75% | 77.9% | 107.44% | 73.6% | 60.39% | 49.89% | 46.83% |
| Equity / Assets | 17.98% | 17.54% | 19.99% | 22.8% | 30.18% | 38.87% | 17.35% | 14.59% | 14.18% | 12.62% |
| Book Value / Share | 13.9 | 12.58 | 11.34 | 10.3 | 10.31 | 8.01 | 8.32 | 11.19 | 11.54 | 11.86 |
| NII Growth | 249.49% | 156.62% | 380.29% | 155.7% | -3.75% | -39.49% | 258.74% | 123.1% | 18.33% | -4.95% |
| 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | |
|---|---|---|---|---|---|---|---|
| Financial Service | 526.94M | 598.76M | 207.64M | 416.84M | 499.18M | 279.15M | 283.42M |
| Financial Service Growth | - | 13.63% | -65.32% | 100.75% | 19.75% | -44.08% | 1.53% |
| Servicing Fees | - | - | - | 87.64M | 80.61M | 98.61M | 64.93M |
| Servicing Fees Growth | - | - | - | - | -8.02% | 22.33% | -34.15% |
| Bank Servicing | 114.88M | 124.53M | 111.86M | - | - | - | - |
| Bank Servicing Growth | - | 8.40% | -10.17% | - | - | - | - |
LendingClub Corporation (LC) has a price-to-earnings (P/E) ratio of 45.2x. This suggests investors expect higher future growth.
LendingClub Corporation (LC) grew revenue by 2.2% over the past year. Growth has been modest.
Yes, LendingClub Corporation (LC) is profitable, generating $103.8M in net income for fiscal year 2024 (4.4% net margin).
LendingClub Corporation (LC) has a return on equity (ROE) of 4.0%. This is below average, suggesting room for improvement.
LendingClub Corporation (LC) has a net interest margin (NIM) of 5.0%. This indicates healthy earnings from lending activities.
LendingClub Corporation (LC) has an efficiency ratio of 46.8%. This is excellent, indicating strong cost control.