Profitability
Weight: 25%
B+
80
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 0.9%
- Operating Margin Trend +3.94 pp/yr
LC
LendingClub Corporation
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
D+
40
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 7.5%
- 5yr Share-Count CAGR 3.9%
Growth Quality
Weight: 10%
A+
100
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 12.6%
- 5yr EPS CAGR 59.0%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
F
0
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI -17.28x
Balance Sheet
Weight: 30%
B-
66
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 13.0%
- Interest Coverage (EBIT/Int) 0.91x
Stability
Weight: 10%
D
33
- EPS Volatility (σ/μ) 1.09
- Piotroski F-Score 4
- Negative-Revenue Years (5) 1/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 4 gurus held; 2 added; 2 full exits.
- Holders
- 2 -2
- Avg Δ position
- +512.7%
- New buys
- 0
- Full exits
- 2