LendingClub Corporation (LC) P/E Ratio History
UndervaluedTrading at 16.7x vs 5Y avg 67.7x · 44th percentile · Below historical baseline · Data 2016–2025
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P/E Ratio Analysis
As of June 21, 2026, LendingClub Corporation (LC) trades at a price-to-earnings ratio of 16.7x, with a stock price of $19.21 and trailing twelve-month earnings per share of $1.14.
The current P/E is 75% below its 5-year average of 67.7x. Over the past five years, LC's P/E has ranged from a low of 2.9x to a high of 737.1x, placing the current valuation at the 44th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.6x, LC trades at a 23% premium to its sector peers. The sector includes 783 companies with P/E ratios ranging from 0.0x to 196.5x.
Relative to the broader market, LC trades at a notable discount to the S&P 500 median P/E of 24.4x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our LC DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
LC Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
LC P/E vs Peers
Small Business and Middle-Market Lending peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $23B | 45.9 | - | +0% | |
| $3B | 72.1 | 5.02 | +131%Best | |
| $4B | 8.9 | - | +59% | |
| $2B | 16.8 | 1.96 | +25% | |
| $7B | 8.9 | 2.26 | +55% | |
| $6B | 15.4 | 1.57 | +89% | |
| $14B | 19.2 | - | +32% | |
| $5B | 6.7Lowest | 0.74Best | +29% |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
LC Historical P/E Data (2016–2025)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2025 Q4 | Dec 31 2025 | $18.94 | $1.15 | 16.5x | -76% |
| FY2025 Q3 | - | $15.19 | $0.88 | 17.2x | -75% |
| FY2025 Q2 | Jun 30 2025 | $12.03 | $0.64 | 18.7x | -72% |
| FY2025 Q1 | Mar 31 2025 | $10.32 | $0.44 | 23.3x | -66% |
| FY2024 Q4 | - | $16.19 | $0.45 | 35.7x | -47% |
| FY2024 Q3 | Sep 30 2024 | $11.43 | $0.46 | 24.7x | -64% |
| FY2024 Q2 | Jun 30 2024 | $8.46 | $0.38 | 22.4x | -67% |
| FY2024 Q1 | Mar 31 2024 | $8.79 | $0.34 | 25.7x | -62% |
| FY2023 Q4 | Dec 31 2023 | $8.74 | $0.36 | 24.1x | -64% |
| FY2023 Q3 | Sep 30 2023 | $6.10 | $0.49 | 12.5x | -82% |
| FY2023 Q2 | Jun 30 2023 | $9.75 | $0.85 | 11.4x | -83% |
| FY2023 Q1 | Mar 31 2023 | $7.21 | $2.49 | 2.9x | -96% |
| FY2022 Q4 | Dec 31 2022 | $8.80 | $2.75 | 3.2x | -95% |
| FY2022 Q3 | Sep 30 2022 | $11.05 | $2.80 | 3.9x | -94% |
| FY2022 Q2 | - | $11.69 | $2.65 | 4.4x | -93% |
| FY2022 Q1 | - | $15.78 | $1.01 | 15.6x | -77% |
| FY2021 Q4 | Dec 31 2021 | $24.18 | $0.11 | 219.8x | +225% |
| FY2016 Q1 | - | $41.50 | $0.06 | 737.1x | +988% |
Average P/E for displayed period: 67.7x
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
10+ years return with dividends reinvested.
DCA Calculator
See how regular investing compounds over time.
Peer Comparison
Compare growth, multiples, and margins vs sector.
LC — Frequently Asked Questions
Quick answers to the most common questions about buying LC stock.
What is LC's P/E ratio?
LendingClub Corporation (LC) trailing twelve-month P/E ratio is 16.7x, based on TTM diluted EPS of $1.14. The 5-year average P/E is 67.7x and the historical range spans 2.9x to 737.1x.
Is LC stock overvalued or undervalued?
LC trades at 16.7x P/E, below its 5-year average of 67.7x. At the 44th percentile of its historical range (2.9x–737.1x), the stock is priced at a discount to its own history.
Is LC stock expensive?
No, LC is not expensive on a historical basis. The current P/E of 16.7x is below the 5-year average of 67.7x and sits at the 44th percentile of its valuation range.
What is LC's historical P/E range?
Over the past 5 years, LC's P/E ratio has ranged from 2.9x to 737.1x, with a median of 18.7x and an average of 67.7x. The current P/E of 16.7x places the stock at the 44th percentile of this range. Full historical data spans 2016–2025.
How does LC's P/E compare to the S&P 500?
LC trades at 16.7x P/E versus the S&P 500 median of 24.4x. The 32% discount to the market suggests lower growth expectations or perceived higher risk.
How does LC's valuation compare to Financial Services peers?
LendingClub Corporation P/E of 16.7x compares to the Financial Services sector median of 13.6x. The premium reflects expected growth above peers or stronger fundamentals. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is LC's PEG ratio?
LC PEG ratio is N/A, based on a P/E of 16.7x and EPS growth of 155.6%. PEG normalises P/E by growth and helps compare stocks with different earnings trajectories.
What is LC's earnings yield?
LC earnings yield is 5.99%, the inverse of its 16.7x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.