LC - LendingClub Corporation
Price:
--
--
|
CONSENSUS:
Buy
DETAILS
|
PRICE TARGET:
$22.75
DETAILS
HIGH:
$23.00
LOW:
$22.50
MEDIAN:
$22.75
CONSENSUS:
$22.75
UPSIDE:
45.55%
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2011 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | ||||||||||||||
| Revenue | 1,334.7 | 1,160.9 | 1,135.4 | 1,269.7 | 898.6 | 455.2 | 979.2 | 981.0 | 1,059.1 | 1,114.4 | 918.3 | 530.4 | 267.5 | 42.7 |
| Cost of Revenue | 471.0 | 552.2 | 514.4 | 349.8 | 218.8 | 153.7 | 247.3 | 385.6 | 571.4 | 688.4 | 549.7 | 356.6 | 187.4 | 32.0 |
| Gross Profit | 863.8 | 608.7 | 621.1 | 919.9 | 679.8 | 301.5 | 731.9 | 595.4 | 487.6 | 426.1 | 368.6 | 173.8 | 80.0 | 10.7 |
| Operating Expenses | ||||||||||||||
| R&D Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| SG&A Expenses | 391.1 | 332.6 | 355.8 | 537.1 | 444.5 | 304.0 | 569.0 | 497.2 | 421.5 | 423.8 | 293.7 | 166.8 | 57.2 | 22.6 |
| Other Expenses | 139.0 | 211.1 | 210.6 | 229.7 | 216.9 | 185.1 | 193.8 | 226.4 | 219.5 | 152.4 | 77.1 | 38.5 | 15.5 | 0 |
| Operating Expenses | 530.1 | 543.7 | 566.4 | 766.9 | 661.4 | 489.1 | 762.8 | 723.5 | 641.1 | 576.2 | 370.8 | 205.3 | 72.7 | 22.6 |
| Operating Income | ||||||||||||||
| Operating Income | 333.7 | 65.1 | 54.6 | 153.0 | 18.4 | (187.6) | (30.9) | (128.1) | (153.4) | (150.2) | (2.2) | (31.5) | 7.3 | (11.9) |
| Interest Expense | 335.9 | 373.9 | 270.8 | 82.5 | 80.0 | 150.4 | 247.3 | 385.6 | 571.4 | 688.4 | 549.7 | 356.6 | 187.4 | 32.0 |
| Interest Income | 961.5 | 908.0 | 832.6 | 557.3 | 292.8 | 209.7 | 345.3 | 487.5 | 611.3 | 696.7 | 553.0 | 354.5 | 187.5 | 0 |
| Profitability | ||||||||||||||
| EBITDA | 369.9 | 118.4 | 101.8 | 196.9 | 62.7 | (133.6) | 31.3 | (73.3) | (107.2) | (120.3) | 19.4 | (21.2) | 9.0 | (11.8) |
| EBIT | 306.2 | 65.1 | 54.6 | 153.0 | 18.4 | (187.6) | (30.9) | (128.1) | (153.4) | (150.2) | (2.2) | (31.5) | 7.3 | (11.9) |
| Income Before Tax | 176.9 | 65.1 | 54.6 | 153.0 | 18.4 | (187.6) | (30.9) | (128.1) | (153.4) | (150.2) | (2.2) | (31.5) | 7.3 | (11.9) |
| Income Tax Expense | 41.3 | 13.7 | 15.7 | (136.6) | (0.1) | (0.1) | (0.2) | 0.0 | 0.6 | (4.2) | 2.8 | 1.4 | 0 | 0 |
| Net Income | 135.7 | 51.3 | 38.9 | 289.7 | 18.6 | (187.5) | (30.7) | (128.3) | (153.8) | (146.0) | (5.0) | (32.9) | 7.3 | (11.9) |
| Per Share Data | ||||||||||||||
| EPS (Basic) | 1.18 | 0.46 | 0.36 | 2.80 | 0.19 | -2.07 | -0.35 | -1.52 | -1.88 | -1.88 | -0.07 | -2.18 | 0.02 | -1.03 |
| EPS (Diluted) | 1.15 | 0.45 | 0.36 | 2.79 | 0.18 | -2.07 | -0.35 | -1.52 | -1.88 | -1.88 | -0.07 | -2.18 | 0.02 | -1.03 |
| Shares Outstanding | 115.3 | 111.7 | 108.5 | 103.5 | 98.1 | 90.4 | 87.3 | 84.6 | 81.8 | 77.6 | 75.0 | 15.1 | 11.6 | 11.6 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Current Assets | ||||||||||
| Cash & Cash Equivalents | 917.7 | 954.1 | 1,252.5 | 1,057.0 | 687.1 | 525.0 | 243.8 | 373.0 | 401.7 | 515.6 |
| Short-Term Investments | 0 | 3,452.6 | 1,620.3 | 345.7 | 263.5 | 142.2 | 270.9 | 170.5 | 117.6 | 287.1 |
| Net Receivables | 43.9 | 40.4 | 35.8 | 191.2 | 149.2 | 15.4 | 31.9 | 41.6 | 111.9 | 57.7 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 12.8 | 23.3 | 41.6 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Assets | 974.4 | 4,470.4 | 2,950.2 | 1,594.0 | 1,099.8 | 699.1 | 561.4 | 610.6 | 654.7 | 877.4 |
| Non-Current Assets | ||||||||||
| Property, Plant & Equipment | 267.0 | 188.8 | 188.1 | 200.3 | 175.3 | 170.7 | 207.9 | 113.9 | 101.9 | 89.3 |
| Goodwill | 75.7 | 75.7 | 75.7 | 75.7 | 75.7 | 0 | 0 | 0 | 35.6 | 35.6 |
| Intangible Assets | 7.4 | 8.6 | 12.1 | 16.3 | 91.6 | 67.8 | 14.5 | 18.0 | 21.9 | 26.2 |
| Long-Term Investments | 9,948.2 | 5,533.1 | 5,152.3 | 5,675.1 | 3,279.5 | 816.8 | 1,853.6 | 2,734.4 | 3,539.6 | 4,331.4 |
| Other Non-Current Assets | 198.9 | 216.7 | 297.6 | 244.6 | 178.4 | 108.9 | 344.9 | 342.6 | 287.0 | 202.8 |
| Total Non-Current Assets | 10,593.5 | 6,160.1 | 5,877.3 | 6,385.8 | 3,800.5 | 1,164.2 | 2,420.9 | 3,208.9 | 3,986.2 | 4,685.3 |
| Total Assets | 11,567.8 | 10,630.5 | 8,827.5 | 7,979.7 | 4,900.3 | 1,863.3 | 2,982.3 | 3,819.5 | 4,640.8 | 5,562.6 |
| Current Liabilities | ||||||||||
| Account Payables | 87.3 | 78.1 | 54.6 | 98.2 | 101.0 | 46.9 | 20.1 | 26.3 | 42.4 | 54.5 |
| Short-Term Debt | 0 | 0 | 0 | 2.6 | 27.8 | 105.0 | 1,174.9 | 917.6 | 64.2 | 0 |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 9,833.9 | 9,068.2 | 7,333.5 | 6,392.6 | 3,135.8 | 0 | 0 | 0 | 0 | 0 |
| Total Current Liabilities | 9,933.1 | 9,169.2 | 7,424.9 | 6,493.3 | 3,264.5 | 166.3 | 1,231.8 | 986.5 | 127.9 | 74.2 |
| Non-Current Liabilities | ||||||||||
| Long-Term Debt | 0 | 0 | 19.4 | 130.3 | 310.6 | 789.6 | 1,122.1 | 2,162.2 | 3,266.9 | 4,320.9 |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 118.4 | 91.1 | 93.5 | 114.5 | 383.3 | 83.8 | (397.8) | (225.8) | 300.1 | 177.6 |
| Total Non-Current Liabilities | 134.3 | 119.6 | 150.7 | 322.1 | 785.5 | 972.9 | 850.3 | 1,962.1 | 3,585.2 | 4,512.7 |
| Total Liabilities | 10,067.4 | 9,288.8 | 7,575.6 | 6,815.5 | 4,050.1 | 1,139.1 | 2,082.2 | 2,948.5 | 3,713.1 | 4,586.9 |
| Stockholders' Equity | ||||||||||
| Common Stock | 1.2 | 1.1 | 1.1 | 1.1 | 1.0 | 0.9 | 0.9 | 0.9 | 4.2 | 4.0 |
| Retained Earnings | (201.8) | (337.5) | (388.8) | (427.7) | (717.4) | (786.2) | (548.5) | (517.7) | (389.4) | (234.2) |
| Accumulated Other Comprehensive Income | (18.2) | (24.2) | (30.3) | (37.6) | 7.0 | 1.5 | (0.6) | 0.2 | (0.0) | (0.8) |
| Total Stockholders' Equity | 1,500.4 | 1,341.7 | 1,251.8 | 1,164.3 | 850.2 | 724.2 | 900.2 | 869.2 | 922.5 | 975.8 |
| Total Liabilities & Equity | 11,567.8 | 10,630.5 | 8,827.5 | 7,979.7 | 4,900.3 | 1,863.3 | 2,982.3 | 3,819.5 | 4,640.8 | 5,562.6 |
| Debt Metrics | ||||||||||
| Total Debt | 15.8 | 28.5 | 57.2 | 210.2 | 430.0 | 989.1 | 2,409.3 | 3,079.8 | 3,331.1 | 4,320.9 |
| Net Debt | (901.8) | (925.6) | (1,195.3) | (846.8) | (257.1) | 464.1 | 2,165.5 | 2,706.9 | 2,929.4 | 3,805.3 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||
| Net Income | 135.7 | 51.3 | 38.9 | 289.7 | 18.6 | (187.5) | (30.7) | (128.2) | (154.0) | (146.0) |
| Depreciation & Amortization | 62.9 | 53.3 | 47.2 | 43.8 | 44.3 | 54.0 | 62.2 | 54.8 | 46.2 | 29.9 |
| Stock-Based Compensation | 34.3 | 40.1 | 52.4 | 66.4 | 66.8 | 61.5 | 73.6 | 75.1 | 71.0 | 69.2 |
| Change in Working Capital | 33.3 | 16.0 | (32.9) | (37.6) | 16.6 | (96.5) | (76.1) | (61.7) | 82.0 | 24.0 |
| Other Non-Cash Items | (2,993.1) | (2,794.8) | (1,242.3) | 156.8 | 93.6 | 614.0 | (299.6) | (579.8) | (618.6) | 23.4 |
| Operating Cash Flow | (2,726.9) | (2,634.2) | (1,136.6) | 375.6 | 239.9 | 418.0 | (270.6) | (639.7) | (573.4) | 0.5 |
| Investing Activities | ||||||||||
| Capital Expenditure | (140.3) | (54.3) | (59.5) | (69.5) | (34.4) | (31.1) | (50.7) | (53.0) | (44.6) | (51.8) |
| Acquisitions | 0 | 0 | 0 | 0 | 522.9 | 418.6 | 0 | 0 | 0 | 0 |
| Purchases of Investments | (30.5) | (49.8) | (61.6) | (222.5) | (100.5) | (53.7) | (144.5) | (136.4) | (139.8) | (86.0) |
| Sales/Maturities of Investments | 1,786.8 | 938.4 | 97.7 | 86.1 | 249.6 | 231.7 | 236.5 | 200.7 | 363.1 | 87.2 |
| Other Investing Activities | 316.2 | (226.5) | 540.1 | (2,603.9) | (1,092.0) | 0.4 | 612.4 | 867.5 | 819.9 | (275.2) |
| Investing Cash Flow | 1,932.2 | 607.8 | 516.7 | (2,809.8) | (454.4) | 565.8 | 653.8 | 878.7 | 998.6 | (325.9) |
| Financing Activities | ||||||||||
| Net Debt Issuance | 769.9 | 1,723.3 | 809.4 | 2,804.2 | 358.9 | (783.3) | (513.3) | (223.3) | (480.8) | 263.0 |
| Stock Repurchased | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | (19.5) |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | (50.2) | 0 | 0 | 0 | 0 |
| Other Financing Activities | (22.1) | (13.7) | (19.8) | (9.0) | (9.3) | (8.9) | (29.2) | (21.2) | 0.9 | 65.8 |
| Financing Cash Flow | 747.8 | 1,709.6 | 789.6 | 2,795.1 | 349.6 | (842.4) | (540.1) | (239.2) | (474.3) | 314.5 |
| Cash Position | ||||||||||
| Net Change in Cash | (47.0) | (316.8) | 169.7 | 360.9 | 135.1 | 141.4 | (156.9) | (0.2) | (49.1) | (10.9) |
| Cash at Beginning | 977.4 | 1,294.1 | 1,124.5 | 763.6 | 628.5 | 487.1 | 644.1 | 644.3 | 693.4 | 704.3 |
| Cash at End | 930.4 | 977.4 | 1,294.1 | 1,124.5 | 763.6 | 628.5 | 487.1 | 644.1 | 644.3 | 693.4 |
| Free Cash Flow | (2,867.3) | (2,688.5) | (1,196.1) | 306.1 | 205.5 | 386.9 | (321.3) | (692.7) | (618.0) | (51.3) |
| Key Metrics | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2011 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||
| Revenue | 1,334.7 | 1,160.9 | 1,135.4 | 1,269.7 | 898.6 | 455.2 | 979.2 | 981.0 | 1,059.1 | 1,114.4 | 918.3 | 530.4 | 267.5 | 42.7 |
| Gross Profit | 863.8 | 608.7 | 621.1 | 919.9 | 679.8 | 301.5 | 731.9 | 595.4 | 487.6 | 426.1 | 368.6 | 173.8 | 80.0 | 10.7 |
| Operating Income | 333.7 | 65.1 | 54.6 | 153.0 | 18.4 | (187.6) | (30.9) | (128.1) | (153.4) | (150.2) | (2.2) | (31.5) | 7.3 | (11.9) |
| Net Income | 135.7 | 51.3 | 38.9 | 289.7 | 18.6 | (187.5) | (30.7) | (128.3) | (153.8) | (146.0) | (5.0) | (32.9) | 7.3 | (11.9) |
| EPS (Diluted) | 1.15 | 0.45 | 0.36 | 2.79 | 0.18 | -2.07 | -0.35 | -1.52 | -1.88 | -1.88 | -0.07 | -2.18 | 0.02 | -1.03 |
| Balance Sheet | ||||||||||||||
| Cash & Equivalents | 917.7 | 954.1 | 1,252.5 | 1,057.0 | 687.1 | 525.0 | 243.8 | 373.0 | 401.7 | 515.6 | ||||
| Total Assets | 11,567.8 | 10,630.5 | 8,827.5 | 7,979.7 | 4,900.3 | 1,863.3 | 2,982.3 | 3,819.5 | 4,640.8 | 5,562.6 | ||||
| Total Debt | 15.8 | 28.5 | 57.2 | 210.2 | 430.0 | 989.1 | 2,409.3 | 3,079.8 | 3,331.1 | 4,320.9 | ||||
| Stockholders' Equity | 1,500.4 | 1,341.7 | 1,251.8 | 1,164.3 | 850.2 | 724.2 | 900.2 | 869.2 | 922.5 | 975.8 | ||||
| Cash Flow | ||||||||||||||
| Operating Cash Flow | (2,726.9) | (2,634.2) | (1,136.6) | 375.6 | 239.9 | 418.0 | (270.6) | (639.7) | (573.4) | 0.5 | ||||
| Capital Expenditure | (140.3) | (54.3) | (59.5) | (69.5) | (34.4) | (31.1) | (50.7) | (53.0) | (44.6) | (51.8) | ||||
| Free Cash Flow | (2,867.3) | (2,688.5) | (1,196.1) | 306.1 | 205.5 | 386.9 | (321.3) | (692.7) | (618.0) | (51.3) | ||||