LC LendingClub Corp

Price (delayed)

$10.79

Market cap

$1.2B

P/E Ratio

31.74

Dividend/share

N/A

EPS

$0.34

Enterprise value

$359.18M

LendingClub Corporation is the parent company of LendingClub Bank, National Association, Member FDIC. It is the first digital marketplace bank in the US. Members can gain access to a broad ...

Highlights
The equity rose by 6% year-on-year
The debt has surged by 186% year-on-year
The EPS has shrunk by 87% YoY and by 6% QoQ

Key stats

What are the main financial stats of LC
Market
Shares outstanding
111.12M
Market cap
$1.2B
Enterprise value
$359.18M
Valuations
Price to book (P/B)
0.94
Price to sales (P/S)
1.49
EV/EBIT
6.73
EV/EBITDA
3.56
EV/Sales
0.45
Earnings
Revenue
$799.61M
EBIT
$53.34M
EBITDA
$100.86M
Free cash flow
-$2.15B
Per share
EPS
$0.34
Free cash flow per share
-$19.45
Book value per share
$11.47
Revenue per share
$7.22
TBVPS
$82.84
Balance sheet
Total assets
$9.24B
Total liabilities
$7.98B
Debt
$262.55M
Equity
$1.27B
Working capital
N/A
Liquidity
Debt to equity
0.21
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-8.33
Margins
EBITDA margin
12.6%
Gross margin
100%
Net margin
4.7%
Operating margin
6.7%
Efficiency
Return on assets
0.4%
Return on equity
3%
Return on invested capital
0.7%
Return on capital employed
N/A
Return on sales
6.7%
Dividend
Dividend yield
N/A
DPS
N/A
Payout ratio
N/A

LC stock price

How has the LendingClub stock price performed over time
Intraday
2.18%
1 week
1.03%
1 month
36.24%
1 year
5.58%
YTD
23.46%
QTD
27.54%

Financial performance

How have LendingClub's revenue and profit performed over time
Revenue
$799.61M
Gross profit
$799.61M
Operating income
$53.34M
Net income
$37.52M
Gross margin
100%
Net margin
4.7%
The company's net income has shrunk by 86% YoY and by 3.6% QoQ
The net margin has dropped by 80% year-on-year but it is up by 4.4% since the previous quarter
The company's operating income has shrunk by 57% YoY and by 2.3% QoQ
LendingClub's operating margin has decreased by 39% YoY but it has increased by 6% QoQ

Growth

What is LendingClub's growth rate over time

Valuation

What is LendingClub stock price valuation
P/E
31.74
P/B
0.94
P/S
1.49
EV/EBIT
6.73
EV/EBITDA
3.56
EV/Sales
0.45
The EPS has shrunk by 87% YoY and by 6% QoQ
LC's price to earnings (P/E) is 71% more than its last 4 quarters average of 18.6
LC's P/B is 34% above its last 4 quarters average of 0.7 but 28% below its 5-year quarterly average of 1.3
The equity rose by 6% year-on-year
The price to sales (P/S) is 49% higher than the last 4 quarters average of 1.0 but 17% lower than the 5-year quarterly average of 1.8
The revenue has declined by 30% year-on-year and by 8% since the previous quarter

Efficiency

How efficient is LendingClub business performance
The ROA has plunged by 89% YoY and by 20% from the previous quarter
LendingClub's ROE has plunged by 87% YoY and by 6% from the previous quarter
The return on invested capital has dropped by 65% year-on-year and by 13% since the previous quarter
The ROS fell by 39% YoY but it rose by 6% QoQ

Dividends

What is LC's dividend
DPS
N/A
Dividend yield
N/A
Payout ratio
N/A

There are no recent dividends present for LC.

Financial health

How did LendingClub financials performed over time
The total assets is 16% more than the total liabilities
The total assets has grown by 6% YoY and by 4.7% from the previous quarter
LendingClub's total liabilities has increased by 5% YoY and by 5% QoQ
The debt is 79% smaller than the equity
The debt has surged by 186% year-on-year
The company's debt to equity has surged by 163% YoY

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.