What is LendingClub Corporation's (LC) StockRank?

MoatMap's StockRank for LendingClub Corporation (LC) is 50/100, with a Hold signal. This is a composite score combining Quality (49), Value (48), and Momentum (46) factor ranks across MoatMap's 20,000+ stock universe.

Does LendingClub Corporation have an economic moat?

LendingClub Corporation (LC) has a Quality factor score of 49/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is LendingClub Corporation a buy, hold, or sell?

MoatMap's current signal for LendingClub Corporation (LC) is Hold, based on a StockRank of 50/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is LendingClub Corporation in?

LendingClub Corporation (LC) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

Company Deep Dive

Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.

Request Deep Dive(50 Feathers)

LC

HOLD

LendingClub Corporation · Financial Services · United States · $2.2B

StockRank

Get insider-trade alerts

P/E (TTM)

12.8x

ROE

12.2%

D/E

0.0x

Dividend %

—

COMPANY DESCRIPTION

LendingClub Corporation operates as an online marketplace bank, facilitating personal loans through its proprietary technology platform and offering high-yield savings accounts. The company distinguishes itself with a digital-first approach and data-driven credit underwriting, enabling a more efficient and accessible lending experience than traditional banking institutions. As a pioneer in fintech lending, it holds a significant market position in the US personal loan segment.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR	TTM
Revenue	1.2B	864.6M	787.0M	998.8M	-5.6%	1.4B
EPS	2.80	0.36	0.46	1.18	-25.0%	1.50
Shares	106.5M	110.4M	113.4M	115.4M	+8.3%	115.4M
Debt	207.6M	57.2M	28.5M	15.8M	-57.6%	12.5M
Equity	1.2B	1.3B	1.3B	1.5B	8.8%	—
Op CF	375.6M	-1.1B	-2.6B	-2.7B	—	-3.0B
Inv CF	-2.8B	516.7M	607.8M	1.9B	—	—
Fin CF	2.8B	789.6M	1.7B	747.8M	—	—

Loading 1Y...

PRICE (1Y)+3.9%

SMA 50SMA 200

$18.75

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.3%*44.8

ROE

12.2%63.7

GP/Assets

4.6%N/A

Op. Margin

20.0%39.1

FCF/Assets

2.5%N/A

Piotroski

444.0

Int. Cover

—50.0

D/E Ratio

0.01xN/A

Current Ratio

2.76xN/A

Value

P/E (TTM)

12.8x52.6

EV/EBITDA

4.9xN/A

P/FCF

7.8xN/A

P/B

1.5x36.1

P/S

1.6x81.3

Div Yield

—N/A

Momentum

52W High %

—N/A

RS 6M

—N/A

SMA 50/200

—N/A

EPS Rev 4W

0.0%69.8

EPS Rev 12W

-1.1%42.5

EPS Improve

+53%72.9

Q Growth

342%92.9

FUNDAMENTALS

Market Cap

$2.2B

P/E (Forward)

8.4x

Gross Margin

38.8%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of LC are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
LC	LendingClub Corporation(you)	$2.2B	50	HOLD
HAPN	Happen, Inc.	$2.1B	52	HOLD
NBHC	National Bank Holdings Corporation	$1.9B	47	HOLD
BBT	Beacon Financial Corporation	$2.5B	47	HOLD
BFC	Bank First Corporation	$1.7B	50	HOLD
TBBK	The Bancorp, Inc.	$2.8B	48	HOLD
VLYPO	Valley National Bancorp	$3.3B	50	HOLD
OCFC	OceanFirst Financial Corp.	$1.7B	46	HOLD
FBNC	First Bancorp	$2.6B	43	HOLD
BKU	BankUnited, Inc.	$3.4B	52	HOLD

Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%

LendingClub Corporation (LC) — Stock Score Summary

LendingClub Corporation (LC) has a MoatMap StockRank of 50/100 based on Quality (49/100), Value (48/100), and Momentum (46/100) factor scores. The current signal is HOLD.

Key Financial Metrics

Price	$18.75
Market Cap	$2.2B
P/E (TTM)	12.81
P/E (Forward)	8.35
Price/Book	1.46
Return on Equity	12.2%
Debt/Equity	0.01x
Gross Margin	38.8%
Operating Margin	20.0%
Revenue Growth	12.5%
Free Cash Flow	$285M

LendingClub Corporation operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is LendingClub Corporation’s (LC) StockRank?: MoatMap’s StockRank for LendingClub Corporation (LC) is 50/100, with a Hold signal. It is a composite of Quality (49), Value (48), and Momentum (46) factor ranks across MoatMap’s 20,000+ stock universe.
Does LendingClub Corporation have an economic moat?: LendingClub Corporation (LC) has a Quality factor score of 49/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is LendingClub Corporation a buy, hold, or sell?: MoatMap’s current signal for LendingClub Corporation (LC) is Hold, based on a StockRank of 50/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is LendingClub Corporation in?: LendingClub Corporation (LC) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).