Overview
LendingClub Corporation is an American financial services company headquartered in San Francisco, California. Specializing primarily in peer-to-peer lending, it operates within the broader fintech industry, providing an online platform that connects borrowers and investors. Established in 2006, LendingClub facilitates personal, auto, and small business loans by bypassing traditional banking protocols to potentially reduce costs and streamline the lending process. In recent years, LendingClub has made significant strides in expanding its offerings, including the notable acquisition of Radius Bank in 2021, which marked a transition towards becoming a full-spectrum bank offering a range of banking services alongside its core lending operations. This strategic move is indicative of LendingClub's broader aim to enhance financial inclusivity and innovate within the digital banking sector.
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Basic Stats
The share price of LendingClub Corporation as of September 5, 2025 is $16.60 / share. This is a decrease of -3.38% from the prior week. The market cap (or net worth) of LendingClub Corporation as of September 5, 2025 is $1,904.69 MM.
The Factor Analysis chart (below right) shows a view of LendingClub Corporation from a variety of lenses. Each factor shows how well the company ranks against all other companies in the Fintel global investing universe. Factor scores range from zero to 100, with 100 being most desirable, and 50 being average.
For example, a company with a Value Score of 100 would be the most undervalued company in our database. A company with a Value Score of zero would be the most overvalued.
| Market Cap | 1,904.69 MM |
| EV | 1,151.55 MM |
| Shares Out. | 114.74 MM |
| Earnings Date | |
| EPS (TTM) | 0.65 |
| Dividend Yield | |
| Ex-Dividend Date | |
| Borrow Rate | 0.25 |
| Short Shares Avail. | 3.50 MM |
| Short Interest | 5.38 MM |
| Short Float | 5.10 % |
| Days to Cover | 5.26 days |
| Risk Free Rate | 4.17 % |
| Price Change (1 yr) | 46.34 % |
| Volatility (1 yr) | 0.58 |
| Beta | 1.83 |
| Sharpe Ratio (1 yr) | 0.72 |
| Sortino Ratio (1 yr) | 1.29 |
| PE Ratio | 25.72 |
| Price/Book | 1.35 |
| Price/TBV | 1.43 |
| Book/Market | 0.74 |
| EBIT/EV | 0.09 |
| EBIT(3yr avg)/EV | 0.07 |
| ROA | 0.01 |
| ROE | 0.06 |
| ROIC | 0.05 |
| CROIC | -0.14 |
| OCROIC | -1.34 |
| Implied Volatility | 45.83 % |
| Put/Call OI Ratio | 0.11 |
Factor Scores range from 0 to 100, with 100 being most desirable. Larger circles are better. In situations where we have no data (e.g. no insider trades), we plot the score at 50 to avoid penalizing companies. However, a company that does not pay dividends will get a Dividend Score of Zero. Additionally, we inverted volatility to create a "stability" metric which is better when higher.
Price Target
The average one-year price target for LendingClub Corporation is $18.42. The forecasts range from a low of $15.66 to a high of $22.05. A stock’s price target is the price at which analysts consider it fairly valued with respect to its projected earnings and historical earnings. Analysts typically set price targets that correspond to their buy or sell recommendations.
Update Frequency: Monthly
Stock Upgrades/Downgrades
This card shows analyst upgrades/downgrades for LendingClub Corporation. An analyst rating is a classification that gives investors a sense of analyst sentiment about the direction and performance of an equity - usually a stock - over a period of time, typically 12 months.
The standard analyst ratings are generally as follows:
- Buy/Overweight/Outperform - Any of these ratings conveys an analyst’s belief that the stock is likely to outperform a market index (e.g. the S&P 500).
- Hold/Equal-Weight/Market Perform - Any of these ratings conveys an analyst’s belief that the stock is likely to perform in line with a market index.
- Sell/Underweight/Underperform - Any of these ratings suggest that an analyst believes the stock is likely to underperform a market index.
When an analyst upgrades a stock, they are signaling that the company’s fundamentals are being undervalued by investors. It could also mean they believe the market is underestimating the company’s potential. The opposite is true when a stock receives a downgrade.
The average rating of each individual analyst’s rating is the consensus rating for a stock. This gives investors a broader sense of the overall sentiment for that stock.
| Date | Analyst | Prior | Latest Recommendation |
Action |
|---|---|---|---|---|
| 2022-10-31 | Maxim Group | Buy | Maintains | |
| 2022-07-28 | Credit Suisse | Neutral | Maintains | |
| 2022-04-28 | Credit Suisse | Neutral | Maintains | |
| 2022-01-27 | Credit Suisse | Neutral | Maintains | |
| 2022-01-12 | Janney Montgomery Scott | Neutral | Buy | Upgrade |
| 2022-01-11 | Seaport Global | Buy | Initiate | |
| 2021-10-29 | Compass Point | Neutral | Buy | Upgrade |
| 2021-10-28 | Credit Suisse | Neutral | Maintains | |
| 2021-10-28 | Compass Point | Neutral | Buy | Upgrade |
| 2021-08-20 | Maxim Group | Hold | Buy | Upgrade |
| 2021-07-29 | Credit Suisse | Neutral | Maintains | |
| 2021-04-29 | Credit Suisse | Neutral | Maintains | |
| 2021-03-11 | Credit Suisse | Neutral | Maintains | |
| 2020-11-05 | UBS | Neutral | Maintains | |
| 2020-11-05 | Morgan Stanley | Equal-Weight | Maintains | |
| 2020-11-05 | Credit Suisse | Neutral | Maintains | |
| 2020-07-10 | Oppenheimer | Outperform | Perform | Downgrade |
| 2020-05-13 | UBS | Neutral | Maintains | |
| 2020-05-07 | Keefe, Bruyette & Woods | Market Perform | Maintains | |
| 2020-05-06 | Credit Suisse | Neutral | Maintains | |
| 2020-04-14 | Morgan Stanley | Equal-Weight | Maintains | |
| 2019-10-14 | BTIG | Buy | Maintains | |
| 2019-07-12 | Morgan Stanley | Equal-Weight | Maintains | |
| 2019-05-08 | Wedbush | Neutral | Outperform | Upgrade |
| 2018-08-08 | Citigroup | Neutral | Neutral | Maintains |
| 2018-07-30 | Citigroup | Neutral | Neutral | Maintains |
| 2018-07-19 | Morgan Stanley | Overweight | Equal-Weight | Downgrade |
| 2018-05-09 | Credit Suisse | Neutral | Neutral | Maintains |
| 2018-03-28 | UBS | Neutral | Initiate | |
| 2018-02-23 | Guggenheim | Buy | Neutral | Downgrade |
| 2018-02-22 | Citigroup | Neutral | Neutral | Maintains |
| 2018-02-21 | Credit Suisse | Neutral | Neutral | Maintains |
| 2017-12-08 | Compass Point | Sell | Neutral | Upgrade |
| 2017-11-08 | Oppenheimer | Outperform | Maintains | |
| 2017-11-08 | Morgan Stanley | Overweight | Maintains | |
| 2017-11-08 | Credit Suisse | Neutral | Maintains | |
| 2017-11-08 | Canaccord Genuity | Buy | Maintains | |
| 2017-11-07 | Maxim Group | Buy | Initiate | |
| 2017-11-01 | Needham | Buy | Initiate | |
| 2017-08-03 | Oppenheimer | Perform | Outperform | Upgrade |
| 2017-03-16 | Guggenheim | Neutral | Buy | Upgrade |
| 2016-12-06 | Janney Capital | Neutral | Initiate | |
| 2016-11-03 | Morgan Stanley | Equal-Weight | Overweight | Upgrade |
| 2016-10-28 | Craig-Hallum | Hold | Buy | Upgrade |
| 2016-10-11 | Wedbush | Underperform | Initiate | |
| 2016-10-10 | Wedbush | Underperform | Initiate | |
| 2016-08-09 | Credit Suisse | Neutral | Maintains | |
| 2016-08-09 | Citigroup | Neutral | Maintains | |
| 2016-08-04 | Oppenheimer | Perform | Initiate | |
| 2016-06-29 | Goldman Sachs | Neutral | Maintains | |
| 2016-06-08 | Keefe Bruyette & Woods | Underperform | Market Perform | Upgrade |
| 2016-05-26 | Macquarie | Neutral | Initiate | |
| 2016-05-18 | Goldman Sachs | Neutral | Maintains | |
| 2016-05-11 | Keefe Bruyette & Woods | Market Perform | Underperform | Downgrade |
| 2016-05-10 | Pacific Crest | Overweight | Sector Weight | Downgrade |
| 2016-05-10 | Guggenheim | Buy | Neutral | Downgrade |
| 2016-05-05 | Pacific Crest | Overweight | Maintains | |
| 2016-04-15 | Raymond James | Market Perform | Initiate | |
| 2016-03-09 | Craig-Hallum | Buy | Initiate | |
| 2016-02-25 | Sterne Agee CRT | Buy | Neutral | Downgrade |
| 2016-02-12 | FBR Capital | Outperform | Maintains | |
| 2016-01-21 | Pacific Crest | Overweight | Maintains | |
| 2015-11-18 | Sterne Agee CRT | Neutral | Buy | Upgrade |
| 2015-08-12 | Keefe Bruyette & Woods | Market Perform | Initiate | |
| 2015-07-31 | Canaccord Genuity | Buy | Initiate | |
| 2015-06-10 | Stifel Nicolaus | Hold | Buy | Upgrade |
| 2015-06-08 | KeyBanc | Sector Weight | Overweight | Upgrade |
| 2015-05-19 | Morgan Stanley | Equal-Weight | Overweight | Upgrade |
| 2015-04-14 | Sterne Agee | Underperform | Neutral | Upgrade |
| 2015-03-30 | Pacific Crest | Sector Perform | Initiate | |
| 2015-03-27 | Portales Partners | Underperform | Initiate | |
| 2015-01-20 | Stifel Nicolaus | Hold | Initiate | |
| 2015-01-20 | Morgan Stanley | Equal-Weight | Initiate | |
| 2015-01-20 | Goldman Sachs | Neutral | Initiate | |
| 2015-01-20 | Citigroup | Neutral | Initiate | |
| 2015-01-20 | BMO Capital | Outperform | Initiate | |
| 2014-12-17 | Compass Point | Outperform | Initiate | |
| 2013-05-15 | Canaccord Genuity | Buy | Hold | Downgrade |
| 2023-01-26 | Janney Montgomery Scott | Buy | Neutral | Downgrade |
| 2023-04-06 | Keefe, Bruyette & Woods | Market Perform | Maintains | |
| 2023-04-27 | Wedbush | Outperform | Maintains | |
| 2023-04-11 | JP Morgan | Overweight | Initiate | |
| 2023-06-16 | Jefferies | Buy | Initiate | |
| 2023-08-22 | JP Morgan | Overweight | Overweight | Maintains |
| 2023-07-27 | Wedbush | Outperform | Outperform | Reiterate |
| 2023-11-28 | Piper Sandler | Overweight | Initiate | |
| 2023-10-26 | Wedbush | Outperform | Outperform | Maintains |
| 2023-10-13 | Wedbush | Outperform | Outperform | Maintains |
| 2024-05-01 | Keefe, Bruyette & Woods | Market Perform | Market Perform | Maintains |
| 2024-05-01 | Piper Sandler | Overweight | Overweight | Reiterate |
| 2024-05-01 | Wedbush | Outperform | Outperform | Reiterate |
| 2024-01-31 | Wedbush | Outperform | Outperform | Reiterate |
| 2024-06-07 | BTIG | Buy | Initiate | |
| 2024-07-18 | Jefferies | Buy | Buy | Maintains |
| 2024-10-24 | Piper Sandler | Overweight | Overweight | Reiterate |
| 2024-10-24 | Wedbush | Outperform | Outperform | Maintains |
| 2024-07-31 | Wedbush | Outperform | Outperform | Maintains |
| 2024-07-31 | Keefe, Bruyette & Woods | Market Perform | Market Perform | Maintains |
| 2024-07-31 | Piper Sandler | Overweight | Overweight | Reiterate |
| 2024-07-31 | Compass Point | Buy | Buy | Maintains |
| 2024-10-25 | Compass Point | Buy | Buy | Maintains |
| 2024-10-25 | Maxim Group | Buy | Buy | Maintains |
| 2024-12-04 | Keefe, Bruyette & Woods | Outperform | Outperform | Maintains |
| 2025-04-30 | Keefe, Bruyette & Woods | Outperform | Outperform | Maintains |
| 2025-01-29 | Keefe, Bruyette & Woods | Outperform | Outperform | Reiterate |
| 2025-01-29 | Piper Sandler | Overweight | Overweight | Reiterate |
| 2024-08-20 | JP Morgan | Overweight | Overweight | Maintains |
| 2024-10-10 | Keefe, Bruyette & Woods | Market Perform | Outperform | Upgrade |
| 2025-03-10 | JP Morgan | Neutral | Neutral | Maintains |
| 2024-12-02 | JP Morgan | Overweight | Neutral | Downgrade |
| 2025-01-03 | Piper Sandler | Overweight | Overweight | Maintains |
| 2025-07-30 | Piper Sandler | Overweight | Overweight | Maintains |
| 2025-07-30 | Keefe, Bruyette & Woods | Outperform | Outperform | Maintains |
