LendingClub Corporation (LC) is a Financial - Credit Services company in the Financial Services sector, currently trading at $15.85. It has a SharesGrow Score of 77/100, indicating a strong investment profile with 4 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of LC = $15.58 (-1.7% from the current price, the stock appears fairly valued). Analyst consensus target is LC = $21 (+29.3% upside).
Valuation: LC trades at a trailing Price-to-Earnings (P/E) of 12.6 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 0.32.
Financials: revenue is $1.3B, +110.3%/yr average growth. Net income is $136M, growing at +36.5%/yr. Net profit margin is 10.2% (healthy). Gross margin is 64.7% (-26.4 pp trend).
Balance sheet: total debt is $16M against $1.5B equity (Debt-to-Equity (D/E) ratio 0.01, conservative). Current ratio is 466.38 (strong liquidity). Debt-to-assets is 0.1%. Total assets: $11.6B.
Analyst outlook: 19 / 28 analysts rate LC as buy (68%) — moderate consensus.
SharesGrow 7-Criteria breakdown: Value 91/100 (Pass), Growth 100/100 (Pass), Past 100/100 (Pass), Health 67/100 (Partial), Moat 59/100 (Partial), Future 67/100 (Pass), Income 55/100 (Partial).
