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About the company
LendingClub Corporation is the parent company of LendingClub Bank (LC Bank). The Company operates most of its business through LC Bank, as a lender and originator of loans and as a regulated bank in the United States. LC Bank is the digital marketplace bank in the United States where members can access a range of financial products and services designed to help them pay less when borrowing and earn more when saving. LC Bank holds loans and funds those loans directly with its own capital and deposits. LC Bank’s primary loan products include unsecured personal loans, secured auto refinance loans, and patient and education finance loans (Consumer Loans). LC Bank’s commercial lending business is primarily focused on small businesses, and it participates in the United States small business administration (SBA) lending programs. LC Bank’s deposit business includes sourcing deposits directly from consumer and commercial customers and from third-party marketing channels and deposit brokers.
- Revenue in USD (TTM)864.62m
- Net income in USD38.94m
- Incorporated2006
- Employees1.03k
- LocationLendingClub Corp595 Market Street, Suite 200SAN FRANCISCO 94105United StatesUSA
- Phone+1 (415) 632-5600
- Fax+1 (415) 632-5608
- Websitehttps://www.lendingclub.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Qudian Inc (ADR) | 17.45m | 5.41m | 546.50m | 215.00 | 399.63 | 0.3385 | -- | 31.32 | 0.0061 | 0.0061 | 0.0801 | 7.18 | 0.01 | -- | 9.76 | -- | 0.3102 | 6.15 | 0.3276 | 6.94 | -26.73 | 89.41 | 30.97 | 30.14 | -- | -- | 0.00 | -- | -78.12 | -56.04 | 110.81 | -56.43 | -- | -- |
| Velocity Financial Inc | 319.01m | 51.52m | 556.57m | 253.00 | 11.15 | 1.28 | 10.49 | 1.74 | 1.51 | 1.51 | 9.25 | 13.19 | 0.0783 | -- | 13.43 | 1,260,921.00 | 1.28 | 1.07 | 1.44 | 1.14 | 90.42 | 93.93 | 16.39 | 13.64 | -- | 1.39 | 0.8979 | 0.00 | 28.92 | 20.43 | 62.42 | 46.51 | -36.19 | -- |
| Open Lending Corp | 117.46m | 22.07m | 586.22m | 210.00 | 27.44 | 2.84 | 25.24 | 4.99 | 0.1793 | 0.1793 | 0.9675 | 1.73 | 0.3117 | -- | 2.51 | 559,333.30 | 5.86 | 15.71 | 6.15 | 16.62 | 81.03 | 89.02 | 18.79 | 27.96 | -- | 89.19 | 0.412 | 422.19 | -34.60 | 17.61 | -66.87 | -- | 3.02 | -- |
| Cass Information Systems Inc | 215.93m | 30.09m | 592.16m | 1.06k | 19.91 | 2.58 | 22.12 | 2.74 | 2.18 | 2.18 | 15.65 | 16.83 | 0.0915 | -- | 6.16 | 203,514.60 | 1.27 | 1.33 | 11.57 | 10.70 | 91.57 | 96.71 | 13.94 | 17.21 | -- | -- | 0.7438 | 52.08 | 13.84 | 7.00 | -13.88 | -0.0896 | 26.63 | 6.60 |
| EZCORP Inc | 1.08bn | 50.16m | 610.55m | 7.50k | 17.67 | 0.7892 | 7.37 | 0.5629 | 0.6266 | 0.6266 | 13.81 | 14.03 | 0.7524 | 2.83 | 16.47 | 144,627.30 | 3.48 | 0.4886 | 3.91 | 0.5558 | 58.07 | 58.39 | 4.62 | 0.7045 | 3.08 | 2.60 | 0.3189 | 0.00 | 18.37 | 5.25 | -23.32 | -2.13 | -0.0138 | -- |
| International Money Express Inc | 658.73m | 59.52m | 714.79m | 1.11k | 12.93 | 4.81 | 9.88 | 1.09 | 1.64 | 1.64 | 18.08 | 4.41 | 1.21 | -- | 4.62 | 593,454.10 | 10.93 | 12.47 | 17.49 | 19.28 | -- | -- | 9.03 | 9.27 | -- | 9.51 | 0.5581 | 0.00 | 20.47 | 19.19 | 3.81 | -- | 18.62 | -- |
| Loandepot Inc | 1.29bn | -110.14m | 756.03m | 4.25k | -- | 2.14 | -- | 0.5867 | -0.6323 | -0.6323 | 7.37 | 1.10 | 0.202 | -- | -- | 303,196.00 | -3.69 | 4.67 | -6.88 | -- | 82.54 | 87.76 | -18.28 | 13.42 | -- | 0.262 | 0.857 | -- | -19.52 | 0.2811 | 59.66 | -- | -12.75 | -- |
| Alpha Investment Inc | 0.00 | -536.66k | 805.81m | -- | -- | -- | -- | -- | -0.0515 | -0.0515 | 0.00 | -0.3932 | 0.00 | -- | -- | -- | -10,259,600.00 | -117.28 | -- | -- | -- | -134.06 | -- | -2,038.17 | -- | -8.01 | -- | -- | -- | -- | 82.82 | -- | -- | -- |
| Guild Holdings Co | 852.88m | -39.01m | 824.88m | 4.20k | -- | 0.6974 | -- | 0.9672 | -0.6603 | -0.6603 | 13.89 | 19.36 | 0.2466 | -- | 11.87 | 203,066.20 | -1.13 | 5.30 | -1.18 | 5.56 | -- | -- | -4.59 | 14.41 | -- | 0.3049 | 0.6265 | 15.96 | -14.41 | 1.70 | -111.87 | -- | -3.79 | -- |
| World Acceptance Corp. | 575.18m | 67.93m | 833.06m | 3.08k | 12.23 | 2.04 | 10.58 | 1.45 | 11.20 | 11.20 | 95.64 | 67.02 | 0.4923 | -- | -- | 187,049.30 | 5.81 | 5.25 | 6.55 | 5.97 | 91.33 | 94.63 | 11.81 | 9.26 | -- | -- | 0.5897 | 0.00 | 5.87 | 4.17 | -60.62 | -19.92 | -12.18 | -- |
| Federal Home Loan Mortgage Corp | 106.07bn | -166.00m | 884.08m | 8.00k | -- | -- | -- | 0.0083 | -0.2467 | -0.2467 | 158.55 | 42.83 | 0.0327 | -- | -- | 13,252,120.00 | 0.3248 | 0.3389 | 0.3311 | 0.3496 | 101.52 | -- | 9.93 | 11.65 | -- | 1.15 | 0.9853 | 0.00 | 22.32 | 10.36 | -148.54 | -- | -- | -- |
| LendingClub Corp | 864.62m | 38.94m | 885.49m | 1.03k | 22.29 | 0.7074 | 10.27 | 1.02 | 0.3598 | 0.3598 | 7.97 | 11.34 | 0.1029 | -- | -- | 843,530.80 | 0.4634 | 0.5363 | 3.04 | 1.40 | -- | -- | 4.50 | 2.98 | -- | -- | 0.8545 | 0.00 | -27.17 | -4.36 | -86.56 | -- | 2.35 | -- |
| Ellington Financial Inc | 370.17m | 60.90m | 986.66m | 400.00 | 12.95 | 0.8289 | 14.80 | 2.67 | 0.8961 | 0.8961 | 5.39 | 18.28 | 0.0252 | -- | 8.35 | 925,430.00 | 0.6037 | 0.5657 | 0.7601 | 0.8477 | 23.58 | 39.98 | 23.98 | 17.86 | -- | -0.1981 | 0.8967 | 244.22 | 31.17 | 22.35 | 171.36 | 5.46 | -- | 1.88 |
| Repay Holdings Corp | 296.63m | -110.49m | 1.00bn | 512.00 | -- | 1.12 | -- | 3.38 | -1.22 | -1.22 | 3.29 | 8.98 | 0.1885 | -- | 8.53 | 579,349.60 | -7.46 | -5.78 | -7.94 | -6.48 | 76.50 | 75.60 | -39.59 | -33.43 | -- | 2.39 | 0.3432 | -- | 6.23 | -- | -960.78 | -- | -- | -- |
| Global Blue Group Holding Ltd | 433.28m | 22.92m | 1.01bn | 1.78k | 42.78 | 14.67 | 13.62 | 2.32 | 0.1183 | 0.1183 | 2.26 | 0.3448 | 0.3585 | -- | 1.79 | 243,008.20 | 2.44 | -- | 3.65 | -- | -- | -- | 6.80 | -- | -- | 2.24 | 0.8915 | -- | 147.32 | -- | 73.63 | -- | -- | -- |
| Foreign Trade Bank of Latin America Inc | 729.45m | 180.47m | 1.08bn | 238.00 | 5.97 | -- | 5.86 | 3.85 | 4.94 | 4.94 | 7.65 | -- | -- | -- | -- | -- | -- | 1.18 | -- | -- | -- | -- | 64.56 | 61.69 | -- | -- | -- | 35.45 | 104.21 | 21.32 | 80.53 | 71.69 | -- | -8.27 |
Data as of Apr 26 2024. Currency figures normalised to LendingClub Corp's reporting currency: US Dollar USD
44.70%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| The Vanguard Group, Inc.as of 31 Dec 2023 | 11.10m | 10.05% |
| Jackson Square Partners LLCas of 31 Dec 2023 | 9.72m | 8.81% |
| BlackRock Fund Advisorsas of 31 Dec 2023 | 8.32m | 7.54% |
| Dimensional Fund Advisors LPas of 31 Dec 2023 | 4.65m | 4.21% |
| SSgA Funds Management, Inc.as of 31 Dec 2023 | 3.50m | 3.17% |
| Long Focus Capital Management LLCas of 31 Dec 2023 | 3.41m | 3.09% |
| Geode Capital Management LLCas of 31 Dec 2023 | 2.35m | 2.13% |
| Citadel Advisors LLCas of 31 Dec 2023 | 2.27m | 2.05% |
| Balyasny Asset Management LPas of 31 Dec 2023 | 2.11m | 1.91% |
| Jacobs Levy Equity Management, Inc.as of 31 Dec 2023 | 1.91m | 1.73% |
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Data from 31 Dec 2023 - 31 Dec 2023Source: FactSet Research Systems Inc.
