LendingClub Corp (LC) Stock Analysis
LendingClub Corp (LC) Stock Analysis
Analysis from 10-Q filed 2025-10-30. Data as of Q4 2025.
Overall Grade: F (Concerning)
LendingClub Corp faces challenges in financial performance that warrant careful analysis.
| Metric | Value | Context |
|---|---|---|
| ROIC | N/A | Below expectations |
| FCF Margin | -287.1% | Cash flow pressure |
| Debt/Equity | 0.0x | Conservative leverage |
Investment Thesis: Financial metrics indicate concerning business quality with areas requiring attention.
Explore LendingClub Corp: Earnings History | Filing Intelligence | ROIC Analysis
Profitability: LendingClub Corp earns N/A ROIC
LendingClub Corp's trailing-twelve-month ROIC of N/A (sector median: 4.1%). Source: 10-Q filed 2025-10-30.
| Metric | LC | Rating | Context |
|---|---|---|---|
| Return on Invested Capital (ROIC) | N/A | Red flag | Below sector median of 4.1% |
| Return on Equity (ROE) | 9.6% | Adequate | Moderate equity returns |
Cash Flow: LendingClub Corp generates $-2.9B FCF at -287.1% margin, positive NaN/8 quarters
LendingClub Corp generated $-2.9B in free cash flow (TTM), a -287.1% FCF margin, a margin that ranks Top 5% in Other. FCF was positive in N/A of the last 8 quarters. Source: 10-Q filed 2025-10-30.
| Metric | LC | Rating | Context |
|---|---|---|---|
| Free Cash Flow Margin | -287.1% | Red flag | Thin cash margins |
| Free Cash Flow (TTM) | $-2.9B | Red flag | Cash burn |
| OCF/Net Income | -20.1x | Warning | Potential accrual concerns |
| FCF Consistency (8Q) | N/A | Warning | Variable cash flow |
Balance Sheet: LendingClub Corp at 0.0x leverage
LendingClub Corp's debt-to-equity ratio of 0.0x reflects conservative leverage. Source: 10-Q filed 2025-10-30.
| Metric | LC | Rating | Context |
|---|---|---|---|
| Debt to Equity | 0.0x | Excellent | Conservative capital structure |
Valuation: LendingClub Corp trades at 16.1x earnings
LendingClub Corp trades at a P/E of 16.1x. Free cash flow yield of -132.1% reflects market expectations for growth.
| Metric | LC | Rating | Context |
|---|---|---|---|
| P/E Ratio | 16.1x | Adequate | Reasonable valuation |
| EV/Sales | 1.3x | Excellent | Attractive revenue multiple |
| FCF Yield | -132.1% | Warning | Lower cash yield |
Capital Allocation: LendingClub Corp returns 0.0% shareholder yield
LendingClub Corp's total shareholder yield is 0.0% (dividends + buybacks). Source: 10-Q filed 2025-10-30.
| Metric | LC | Rating | Context |
|---|---|---|---|
| Total Shareholder Yield | 0.0% | Warning | Dividend + buyback yield combined |
| Total Capital Returned (TTM) | $0 | Adequate | Dividends + buybacks returned to shareholders |
Sector Rankings
| Metric | Value | Percentile | vs Median |
|---|---|---|---|
| Free Cash Flow Margin | -287.1% | Top 5% | - |
| Return on Equity (ROE) | 9.6% | Top 50% | 1.5x above |
| P/E Ratio | 16.1x | N/A | - |
Financial Scorecard
| Metric | LC | Rating | Sector Context |
|---|---|---|---|
| Free Cash Flow Margin | -287.1% | Red flag | Top 5% of sector (median: 0.0%) |
| Debt to Equity Ratio | 0.0% | Excellent | Conservative capital structure |
| P/E Ratio (Price-to-Earnings) | 16.1x | Adequate | Fair value |
| Free Cash Flow Yield | -132.1% | Red flag | Growth-focused valuation |
Frequently Asked Questions
Q: What is LendingClub Corp's Return on Invested Capital (ROIC)?
LendingClub Corp (LC) has a trailing twelve-month Return on Invested Capital (ROIC) of N/A. This compares below the sector median of 4.1%. An ROIC below 8% suggests the company may be destroying shareholder value.
Q: What is LendingClub Corp's Free Cash Flow Margin?
LendingClub Corp (LC) has a free cash flow margin of -287.1%, generating $-2.9 billion in free cash flow over the trailing twelve months. Negative free cash flow means the company is consuming cash, which may require financing.
Q: Is LendingClub Corp stock overvalued or undervalued?
LendingClub Corp (LC) trades at a P/E ratio of 16.1x, which is above the sector median of N/A. The EV/Sales multiple is 1.3x.
Q: What is LendingClub Corp's revenue and earnings growth?
LendingClub Corp (LC) grew revenue by 26.9% year-over-year. Earnings per share increased by 155.6% compared to the prior year. Double-digit revenue growth indicates strong demand and market share gains.
Q: How does LendingClub Corp compare to competitors in Other?
Compared to other companies in Other, LendingClub Corp (LC) shows: ROIC of N/A is below the sector median of 4.1% (NaNx median). FCF margin of -287.1% trails the sector median of 0.0% (Top -22937% of sector). These rankings are based on MetricDuck's analysis of all Other companies with available SEC filings.
Q: What warning signs should I watch for with LendingClub Corp?
Investors in LendingClub Corp (LC) should monitor these potential warning signs: 1) FCF margin is thin at -287.1%, leaving limited buffer for economic downturns. Regular monitoring of SEC filings and quarterly trends is recommended.
Data Source: Data sourced from 10-Q filed 2025-10-30. TTM metrics as of Q4 2025.
Methodology: Financial metrics calculated from SEC 10-K and 10-Q filings using standardized formulas. Sector comparisons use peer group based on SIC code.
Scope: This analysis covers SEC filing fundamentals — profitability, cash flow, balance sheet, and valuation metrics. For analyst estimates and price targets, consult sell-side research.
This analysis is for informational purposes only and does not constitute investment advice.