Stock LC LENDINGCLUB CORP
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Financials LendingClub Corp Nyse

Equities

LC

US52603A1097

Consumer Lending

End-of-day quote Nyse
Other stock markets
- USD - Intraday chart for LendingClub Corp
04-30 Transcript : LendingClub Corporation, Q1 2024 Earnings Call, Apr 30, 2024
04-30 Earnings Flash (LC) LENDINGCLUB CORPORATION Posts Q1 Revenue $180.7M, vs. Street Est of $173.8M MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 1,112 966.3 2,415 924.7 958.3 1,019 - -
Enterprise Value (EV) 1 1,497 966.3 2,415 924.7 -327 325 -85.5 -477.1
P/E ratio -36.1 x -4.02 x 134 x 5.09 x 24.3 x 33.3 x 12.6 x 11.9 x
Yield - - - - - - - -
Capitalization / Revenue 1.47 x 3.07 x 2.95 x 0.78 x 1.11 x 1.4 x 1.17 x 1.1 x
EV / Revenue 1.97 x 3.07 x 2.95 x 0.78 x -0.38 x 0.45 x -0.1 x -0.52 x
EV / EBITDA 11,104,067 x -35,462,948 x 16,925,339 x - - - - -
EV / FCF - - - - 0.27 x 1.43 x -0.34 x -1.46 x
FCF Yield - - - - 366% 69.8% -298% -68.5%
Price to Book 1.24 x 1.14 x 2.88 x 0.81 x 0.77 x 0.79 x 0.74 x 0.74 x
Nbr of stocks (in thousands) 88,133 91,502 99,869 105,081 109,649 111,120 - -
Reference price 2 12.62 10.56 24.18 8.800 8.740 9.170 9.170 9.170
Announcement Date 20-02-18 21-03-10 22-01-26 23-01-25 24-01-30 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 758.6 314.7 818.6 1,187 864.6 727.4 869.8 923.4
EBITDA 134.8 -27.25 142.7 - - - - -
EBIT 1 79.12 -73.99 157.2 420.4 298.2 174.6 297.4 317
Operating Margin 10.43% -23.51% 19.21% 35.41% 34.49% 24.01% 34.19% 34.33%
Earnings before Tax (EBT) 1 -30.89 -187.6 18.44 153 54.62 43.36 137.4 181
Net income 1 -30.74 -187.5 18.58 289.7 38.94 30.54 82.91 90.56
Net margin -4.05% -59.59% 2.27% 24.4% 4.5% 4.2% 9.53% 9.81%
EPS 2 -0.3500 -2.630 0.1800 1.730 0.3600 0.2751 0.7307 0.7719
Free Cash Flow 1 - - - - -1,196 227 255 327
FCF margin - - - - -138.34% 31.21% 29.32% 35.41%
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - 743.25% 307.56% 361.09%
Dividend per Share - - - - - - - -
Announcement Date 20-02-18 21-03-10 22-01-26 23-01-25 24-01-30 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2
Net sales 1 262.2 289.5 330.1 304.9 262.7 245.7 232.5 200.8 185.6 180.7 177.7 182.4 186.7 208.9 220.8
EBITDA 1 74.78 102 60.66 46.64 - - - - - - 17 17 20 - -
EBIT 1 74.02 98.33 120.7 118.7 82.66 88.39 81.39 72.81 55.59 48.46 37.66 43.32 45.06 67.45 74.43
Operating Margin 28.23% 33.96% 36.56% 38.93% 31.47% 35.97% 35.01% 36.25% 29.95% 26.82% 21.2% 23.76% 24.14% 32.28% 33.71%
Earnings before Tax (EBT) 1 28.87 45.82 50.11 35.96 21.15 17.8 14.8 8.335 13.68 16.53 5.858 8.363 10.63 27.3 30.89
Net income 1 29.11 40.84 182.1 43.2 23.59 13.67 10.11 5.008 10.16 12.25 4.29 6.111 7.807 20.12 22.76
Net margin 11.1% 14.1% 55.16% 14.17% 8.98% 5.56% 4.35% 2.49% 5.47% 6.78% 2.41% 3.35% 4.18% 9.63% 10.31%
EPS 2 0.2700 0.3900 1.730 0.4100 0.2200 0.1300 0.0900 0.0500 0.0900 0.1100 0.0403 0.0546 0.0701 0.1817 0.2017
Dividend per Share - - - - - - - - - - - - - - -
Announcement Date 22-01-26 22-05-04 22-07-27 22-10-26 23-01-25 23-04-26 23-07-26 23-10-25 24-01-30 24-04-30 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt 1 384 - - - - - - -
Net Cash position 1 - - - - 1,285 694 1,104 1,496
Leverage (Debt/EBITDA) 2.851 x - - - - - - -
Free Cash Flow 1 - - - - -1,196 227 255 327
ROE (net income / shareholders' equity) 0.25% -17.1% 2.36% 28.8% 3.22% 2.48% 6.61% 6.36%
ROA (Net income/ Total Assets) 0.06% -5.72% 0.55% 4.5% 0.46% 0.36% 0.89% 0.9%
Assets 1 -47,889 3,279 3,378 6,440 8,403 8,555 9,369 10,096
Book Value Per Share 2 10.10 9.290 8.410 10.90 11.30 11.60 12.40 12.40
Cash Flow per Share -3.100 4.620 2.350 - - - - -
Capex 1 50.7 31.1 34.4 - 59.5 68 68 68
Capex / Sales 6.68% 9.9% 4.2% - 6.88% 9.35% 7.82% 7.36%
Announcement Date 20-02-18 21-03-10 22-01-26 23-01-25 24-01-30 - - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Ratings for LendingClub Corp

Trading Rating
Investor Rating
ESG Refinitiv
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
9
Last Close Price
9.17 USD
Average target price
10.64 USD
Spread / Average Target
+16.02%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

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Other Consumer Lending
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