LendingClub Corporation (LC) Financial Ratios
15 years of historical data (2011–2025) · Financial Services · Financial - Credit Services
EV/EBITDA
↓
3.30
↓-72% vs avg
5yr avg: 11.67
30Y Low0.3·High35.3
P/FCF
↓
N/A
—
5yr avg: 7.51
30Y Low2.5·High117.2
P/B Ratio
↓
1.52
+4% vs avg
5yr avg: 1.46
30Y Low0.8·High4.0
ROE
↑
9.5%
-0% vs avg
5yr avg: 9.6%
30Y Low-23%·High74%
Debt/EBITDA
↓
0.04
↓-98% vs avg
5yr avg: 1.75
30Y Low0.0·High6.9
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
LC Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
LendingClub Corporation trades at 16.7x earnings, 61% below its 5-year average of 42.8x, sitting at the 40th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a premium of 23%.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $2.2B | $2.3B | $1.8B | $948M | $915M | $2.5B | $955M | $1.1B | $1.1B | $1.7B | $2.0B |
| Enterprise Value | $1.3B | $1.3B | $906M | $-247263190 | $68M | $2.2B | $1.4B | $3.3B | $3.8B | $4.6B | $5.8B |
| P/E Ratio → | 16.70 | 16.47 | 35.98 | 24.28 | 3.15 | 134.33 | — | — | — | — | — |
| P/S Ratio | 1.66 | 1.69 | 1.58 | 0.83 | 0.72 | 2.75 | 2.10 | 1.12 | 1.13 | 1.59 | 1.83 |
| P/B Ratio | 1.52 | 1.50 | 1.36 | 0.76 | 0.79 | 2.90 | 1.32 | 1.22 | 1.28 | 1.82 | 2.09 |
| P/FCF | — | — | — | — | 2.99 | 12.02 | 2.47 | — | — | — | — |
| P/OCF | — | — | — | — | 2.44 | 10.30 | 2.28 | — | — | — | 3735.32 |
P/E links to full P/E history page with 30-year chart
LC EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
LendingClub Corporation's enterprise value stands at 3.3x EBITDA, 72% below its 5-year average of 11.7x. The Financial Services sector median is 11.4x, placing the stock at a 71% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.01 | 0.78 | -0.22 | 0.05 | 2.46 | 3.12 | 3.34 | 3.89 | 4.36 | 5.24 |
| EV / EBITDA | 3.30 | 3.40 | 7.65 | -2.43 | 0.35 | 35.28 | — | 104.51 | — | — | — |
| EV / EBIT | 3.93 | 4.41 | 13.92 | -4.53 | 0.45 | 119.97 | — | — | — | — | — |
| EV / FCF | — | — | — | — | 0.22 | 10.77 | 3.67 | — | — | — | — |
LC Profitability
Margins and return-on-capital ratios measuring operating efficiency
LendingClub Corporation earns an operating margin of 25.0%, above the Financial Services sector average of 20.3%. Operating margins have expanded from 4.8% to 25.0% over the past 3 years, signaling improving operational efficiency. ROE of 9.5% is modest. ROIC of 17.3% represents solid returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 64.7% | 64.7% | 52.4% | 54.7% | 72.4% | 75.7% | 66.2% | 74.7% | 60.7% | 46.0% | 38.2% |
| Operating Margin | 25.0% | 25.0% | 5.6% | 4.8% | 12.1% | 2.1% | -41.2% | -3.2% | -13.1% | -14.5% | -13.5% |
| Net Profit Margin | 10.2% | 10.2% | 4.4% | 3.4% | 22.8% | 2.1% | -41.2% | -3.1% | -13.1% | -14.5% | -13.1% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.5% | 9.5% | 4.0% | 3.2% | 28.8% | 2.4% | -23.1% | -3.5% | -14.3% | -16.2% | -14.5% |
| ROA | 1.2% | 1.2% | 0.5% | 0.5% | 4.5% | 0.5% | -7.7% | -0.9% | -3.0% | -3.0% | -2.6% |
| ROIC | 17.3% | 17.3% | 3.6% | 3.1% | 8.6% | 0.9% | -5.6% | -0.6% | -2.3% | -2.4% | -2.1% |
| ROCE | 3.3% | 3.3% | 1.3% | 3.7% | 9.8% | 1.1% | -10.9% | -1.3% | -3.5% | -3.1% | -2.7% |
LC Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
LendingClub Corporation carries a Debt/EBITDA ratio of 0.0x, which is very conservative (99% below the sector average of 4.3x). The company holds a net cash position — cash of $918M exceeds total debt of $16M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of just 0.9x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.01 | 0.01 | 0.02 | 0.05 | 0.18 | 0.51 | 1.37 | 2.68 | 3.54 | 3.59 | 4.43 |
| Debt / EBITDA | 0.04 | 0.04 | 0.24 | 0.56 | 1.07 | 6.85 | — | 77.07 | — | — | — |
| Net Debt / Equity | — | -0.60 | -0.69 | -0.95 | -0.73 | -0.30 | 0.64 | 2.41 | 3.11 | 3.16 | 3.90 |
| Net Debt / EBITDA | -2.27 | -2.27 | -7.82 | -11.74 | -4.30 | -4.10 | — | 69.28 | — | — | — |
| Debt / FCF | — | — | — | — | -2.77 | -1.25 | 1.20 | — | — | — | — |
| Interest Coverage | 0.91 | 0.91 | 0.17 | 0.20 | 1.85 | 0.23 | -1.25 | -0.12 | -0.33 | -0.27 | -0.22 |
Net cash position: cash ($918M) exceeds total debt ($16M)
LC Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
LendingClub Corporation's current ratio of 466.38x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.41x to 466.38x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 466.38 | 466.38 | 1.83 | 0.41 | 0.25 | 0.34 | 4.20 | 0.46 | 0.62 | 5.12 | 11.82 |
| Quick Ratio | 466.38 | 466.38 | 1.83 | 0.41 | 0.25 | 0.34 | 4.20 | 0.46 | 0.62 | 5.12 | 11.82 |
| Cash Ratio | 115.10 | 115.10 | 0.50 | 0.17 | 0.16 | 0.21 | 3.16 | 0.20 | 0.38 | 3.14 | 6.95 |
| Asset Turnover | — | 0.12 | 0.11 | 0.13 | 0.16 | 0.18 | 0.24 | 0.33 | 0.26 | 0.23 | 0.20 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
LC Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
LendingClub Corporation does not currently pay a dividend and has no material buyback yield, reinvesting earnings back into the business. The earnings yield of 6.0% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 6.0% | 6.1% | 2.8% | 4.1% | 31.7% | 0.7% | — | — | — | — | — |
| FCF Yield | — | — | — | — | 33.4% | 8.3% | 40.5% | — | — | — | — |
| Buyback Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $119M | $113M | $108M | $104M | $102M | $90M | $87M | $85M | $82M | $78M |
Peer Comparison
Compare LC with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 LCYou | $2B | 16.7 | 3.3 | — | 64.7% | 25.0% | 9.5% | 17.3% | 0.0 |
 SOFI | $23B | 45.9 | 26.0 | — | 75.1% | 11.0% | 5.7% | 3.6% | 2.4 |
 UPST | $3B | 72.1 | 54.3 | — | 95.2% | 5.1% | 7.5% | 1.7% | 23.4 |
 PFSI | $4B | 8.9 | 17.9 | — | 91.4% | 34.6% | 12.3% | 4.4% | 15.3 |
 ATLC | $2B | 16.8 | 43.8 | 2.4 | 56.3% | 22.7% | 22.4% | 2.4% | 38.6 |
 OMF | $7B | 8.9 | 22.2 | 2.2 | 47.6% | 16.0% | 23.8% | 3.0% | 17.6 |
 CACC | $6B | 15.4 | 10.5 | 5.7 | 98.7% | 47.6% | 25.9% | 10.4% | 5.6 |
 ALLY | $14B | 19.2 | 10.6 | — | 52.0% | 8.6% | 5.8% | 2.2% | 8.9 |
 SLM | $5B | 6.7 | 6.2 | 7.9 | 53.1% | 31.9% | 32.3% | 8.8% | 5.9 |
 NAVI | $760M | -10.0 | 17.8 | 1.7 | 87.0% | 77.1% | -3.2% | 3.8% | 18.3 |
 PRAA | $570M | -1.9 | 1.2 | — | 99.2% | 33.9% | -27.3% | 11.2% | 0.1 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 14 years · Updated daily
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LC — Frequently Asked Questions
Quick answers to the most common questions about buying LC stock.
What is LendingClub Corporation's P/E ratio?
LendingClub Corporation's current P/E ratio is 16.7x. The historical average is 42.8x. This places it at the 40th percentile of its historical range.
What is LendingClub Corporation's EV/EBITDA?
LendingClub Corporation's current EV/EBITDA is 3.3x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 11.7x.
What is LendingClub Corporation's ROE?
LendingClub Corporation's return on equity (ROE) is 9.5%. The historical average is 3.4%.
Is LC stock overvalued?
Based on historical data, LendingClub Corporation is trading at a P/E of 16.7x. This is at the 40th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What are LendingClub Corporation's profit margins?
LendingClub Corporation has 64.7% gross margin and 25.0% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does LendingClub Corporation have?
LendingClub Corporation's Debt/EBITDA ratio is 0.0x, indicating low leverage. A ratio below 2x is generally considered financially healthy.