LendingClub Corporation (LC) — Stock Score Summary

LendingClub Corporation (LC) has a MoatMap StockRank of 73/100 based on Quality (58/100), Value (57/100), and Momentum (42/100) factor scores. The current signal is BUY. LendingClub is a fintech neobank highly sensitive to consumer credit cycles and interest rate volatility, lacking any alignment with our core structural macro themes.

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.

Key Financial Metrics

Price$17.64
Market Cap$2.0B
P/E (TTM)11.71
P/E (Forward)7.64
Price/Book1.35
Return on Equity12.2%
Debt/Equity0.82
Gross Margin38.8%
Operating Margin20.0%
Revenue Growth12.5%
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 73/100, with a Buy signal. It is a composite of Quality (58), Value (57), and Momentum (42) factor ranks across MoatMap’s 19,000+ stock universe.
Does LendingClub Corporation have an economic moat?
LendingClub Corporation (LC) has a Quality factor score of 58/100. 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 Buy, based on a StockRank of 73/100. 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).
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