LC LendingClub PE ratio, current and historical analysis
- Stocks
- Financial Services
- NYSE: LC
- PE Ratio
The PE ratio for LendingClub stock stands at 28.22 as of Jul 11, 2025. This is calculated based on the TTM EPS of $0.45 and the stock price of $12.7 per share. An increase of 7% has been observed in the PE ratio compared to its average of 26.3 of the past four quarters.
LC PE ratio history
Over the last ten years, the average PE ratio of LendingClub has been 57.96. The current 28.22 price-to-earnings ratio is 51% less than the historical average. Analyzing the last ten years, LC's PE ratio reached its highest point in the Mar 2016 quarter at 415, with a price of $41.5 and an EPS of $0.1. The Mar 2023 quarter saw the lowest point at 2.86, with a price of $7.21 and an EPS of $2.52.
LendingClub PE ratio history chart
LendingClub PE ratio by year
Maximum annual increase: 673.25% in 2023
Maximum annual decrease: -97.53% in 2022
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2024 | 35.2 | 44.98% | $16.19 | $0.46 |
| 2023 | 24.28 | 673.25% | $8.74 | $0.36 |
| 2022 | 3.14 | -97.53% | $8.8 | $2.8 |
| 2021 | 127.26 | N/A | $24.18 | $0.19 |
| 2020 | N/A | N/A | $10.56 | -$2.07 |
| 2019 | N/A | N/A | $12.62 | -$0.35 |
| 2018 | N/A | N/A | $13.15 | -$1.52 |
| 2017 | N/A | N/A | $20.65 | -$1.88 |
| 2016 | N/A | N/A | $26.25 | -$1.9 |
| 2015 | N/A | N/A | $55.25 | -$0.05 |
| 2014 | N/A | N/A | $126.5 | -$2.2 |
| 2013 | N/A | N/A | N/A | $0 |
| 2012 | N/A | N/A | N/A | -$1.7 |
LendingClub PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2025 | 22.93 | -34.86% | $10.32 | $0.45 |
| Dec 2024 | 35.2 | 41.65% | $16.19 | $0.46 |
| Sep 2024 | 24.85 | 11.64% | $11.43 | $0.46 |
| Jun 2024 | 22.26 | -13.89% | $8.46 | $0.38 |
| Mar 2024 | 25.85 | 6.47% | $8.79 | $0.34 |
| Dec 2023 | 24.28 | 91.03% | $8.74 | $0.36 |
| Sep 2023 | 12.71 | 9.47% | $6.1 | $0.48 |
| Jun 2023 | 11.61 | 305.94% | $9.75 | $0.84 |
| Mar 2023 | 2.86 | -8.92% | $7.21 | $2.52 |
| Dec 2022 | 3.14 | -18.23% | $8.8 | $2.8 |
| Sep 2022 | 3.84 | -10.07% | $11.05 | $2.88 |
| Jun 2022 | 4.27 | -71.05% | $11.69 | $2.74 |
| Mar 2022 | 14.75 | -88.41% | $15.78 | $1.07 |
| Dec 2021 | 127.26 | -27.9% | $24.18 | $0.19 |
| Sep 2021 | 176.5 | N/A | $28.24 | $0.16 |
LC Price vs fair value
You can ether set your own Fair P/E multiple or use one of the automatically calculated Fair P/E multiples.
Fair P/E calculation
PE Ratio is an attempt to estimate a fair PE ratio of a stock based on its earnings and growth rate.
This formula is a modified version of the classic Graham-Dodd Formula (V= EPS x (8.5+2g)), originally developed by Benjamin Graham, to calculate the fair price of a stock based on its earnings and growth rate.
The formula we have created is an adaptation of this approach, designed to maintain a balance between simplicity and growth sensitivity.
It is calculated using the following formula:
IF g < 5: Fair PE = b
IF g >= 5: Fair PE = m × g
Here’s what each part of the formula means:
g: Growth is calculated as the average of the three-year average EPS growth rate and the one-year EPS growth rate (annually). This approach provides a balanced measure of growth by factoring in both the long-term growth trend and the most recent annual growth performance. If one of the growth metrics is not available, the remaining metric is used to determine growth. The fair P/E value is capped at 100 to prevent distortions caused by extreme EPS growth rates, such as those resulting from large percentage increases from a low base.
m: This is the long term historical median PEG (Price/Earnings to Growth) ratio of the overall market. It serves as a benchmark, adjusting the Fair PE based on typical market conditions.
b: Base PE (static value set to 8). If the company's growth rate is less than 5, the Fair PE is set at a conservative baseline of 8. This is because declining companies generally deserve a lower PE ratio.
Fixed vs Dynamic
Fixed: The Fair PE ratio for all data points is calculated using a single, constant average EPS growth rate, determined based on the most recent period. This means that the same growth rate is applied to all historical data points. Dynamic: The Fair PE ratio for each historical data point is calculated using the trailing average EPS growth rate specific to that point in time. This means that for each data point, the corresponding trailing EPS growth rate is used, ensuring that the Fair PE ratio reflects the growth conditions that were relevant at that specific point in history.
LC average PE ratio chart
Currently, LC's PE ratio is above its 3-year average, but it is under its 5 and 10-year averages.
PE vs average
LC PE vs peers
LC's PE ratio is above its peer stocks SLM and WRLD.
| Stock name | PE ratio | Market cap |
|---|---|---|
| WRLD World Acceptance Corp | 10.31 | $905.43M |
| SLM SLM Corp | 11.72 | $7.04B |
| LC LendingClub Corp | 28.22 | $1.45B |
| FMCC Federal Home Loan Mortgage Corp | N/A | $4.77B |
- Market
- Price
- Valuation
- Dividend
- Earnings
- Per share
- Balance sheet
- Liquidity
- Margins
- Efficiency
- Growth
- Market
- Price
- Valuation
- Dividend
- Earnings
- Per share
- Balance sheet
- Liquidity
- Margins
- Efficiency
- Growth
- Market
- Price
- Valuation
- Dividend
- Earnings
- Per share
- Balance sheet
- Liquidity
- Margins
- Efficiency
- Growth
Frequently asked questions
What is LendingClub's PE ratio?
The price to earnings ratio for LC stock as of Jul 11, 2025, stands at 28.22.
What is the 3-year average PE ratio for LendingClub (LC)?
As an average over the last 3 years, LC stock has a PE ratio of 17.23.
What is the 5-year average PE ratio for LendingClub (LC)?
As an average over the last 5 years, LC stock has a PE ratio of 34.15.
What is the highest PE ratio for LC?
The highest quarterly PE ratio in the last ten years has been 415 and it was in the Mar 2016 quarter.
How does the current PE ratio for LC compare to its historical average?
The current PE ratio of LC is 51% lower than the 10-year historical average.
How is LC's PE ratio calculated (LendingClub PE ratio formula)?
The P/E ratio is calculated by taking the latest stock price and dividing it by the earnings per share(EPS) for the last 12 months. As of today (Jul 11, 2025), LendingClub's share price is $12.7. The company's earnings per share for the trailing twelve months (TTM) ending Mar 2025 is $0.45. Therefore, LendingClub's price to earnings ratio for today is 28.22. PE RATIO(28.22) = STOCK PRICE($12.7) / TTM EPS($0.45)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.