LC:NYE-LendingClub Corporation

EQUITY | Credit Services | New York Stock Exchange

Last Closing

USD 3.01

Change

+0.08 (+2.73)%

Market Cap

USD 2.29B

Volume

2.34M

Analyst Target

USD 4.40
Analyst Rating

Verdict

ducovest Verdict

Verdict

About

LendingClub Corp is an online marketplace connecting borrowers and investors to engage in transactions relating to standard or custom program loans.

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2019-06-18 )

Largest Industry Peers for Credit Services

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MA Mastercard Inc

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AXP American Express Company

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COF Capital One Financial Corporat..

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DFS Discover Financial Services

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USD 30.13B
ORXCF ORIX Corporation

N/A

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IX Orix Corp Ads

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USD 24.46B
SYF Synchrony Financial

+0.84 (+1.99%)

USD 17.00B
ALLY Ally Financial Inc

+0.78 (+1.96%)

USD 12.31B
OBDC Blue Owl Capital Corporation

+0.11 (+0.72%)

USD 5.88B

ETFs Containing LC

LEND 0.00 % 0.00 %

N/A

N/A

Market Performance

  Market Performance vs. Industry/Classification (Credit Services) Market Performance vs. Exchange (New York Stock Exchange)
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 14.45% 63% D 64% D
Dividend Return N/A N/A N/A N/A F
Total Return 14.45% 58% F 57% F
Trailing 12 Months  
Capital Gain -24.37% 32% F 16% F
Dividend Return N/A N/A N/A N/A F
Total Return -24.37% 32% F 14% F
Trailing 5 Years  
Capital Gain N/A N/A N/A N/A F
Dividend Return N/A N/A N/A N/A F
Total Return N/A N/A N/A N/A F
Average Annual (5 Year Horizon)  
Capital Gain -27.31% 6% D- 2% F
Dividend Return -27.31% 6% D- 2% F
Total Return N/A N/A N/A N/A F
Risk Return Profile  
Volatility (Standard Deviation) 28.03% 32% F 20% F
Risk Adjusted Return -97.40% 6% D- 2% F
Market Capitalization 2.29B 64% D 63% D

Key Financial Ratios

  Ratio vs. Industry/Classification (Credit Services) Ratio vs. Market (New York Stock Exchange)
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio -10.38 97% 85%
Price/Book Ratio 1.50 40% 48%
Price / Cash Flow Ratio -0.49 89% 92%
Price/Free Cash Flow Ratio -1.86 89% 79%
Management Effectiveness  
Return on Equity -14.59% 14% 10%
Return on Invested Capital N/A N/A N/A
Return on Assets -3.29% 8% 13%
Debt to Equity Ratio 273.25% 32% 11%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior Revenue Growth

This stock has shown top quartile revenue growth in the previous 5 years compared to its sector.

What to not like:
Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Negative cashflow

The company had negative total cash flow in the most recent four quarters.

Negative earnings

The company had negative total earnings in the most recent four quarters.

Negative free cash flow

The company had negative total free cash flow in the most recent four quarters.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector