LendingClub Corp (LC) Factsheet
LendingClub Corp (LC) Stock Analysis
Analysis from 10-Q filed 2025-10-30. Data as of Q1 2026.
Overall Grade: F (Concerning)
Grade F (Concerning). ROIC N/A. FCF margin -305.8%. D/E 0.0x. Source: 10-Q filed 2025-10-30.
| Metric | Value | Context |
|---|---|---|
| ROIC | N/A | Below expectations |
| FCF Margin | -305.8% | Cash flow pressure |
| Debt/Equity | 0.0x | Conservative leverage |
FCF margin -305.8% — Bottom 10%.
Explore LendingClub Corp: Earnings History | Filings | ROIC Analysis
Programmatic access: Available via MCP at mcp.metricduck.com. Tools for LC: get_company_overview, get_filing_index (lens: debt_stress, management_outlook, risk_trajectory), get_filing_changes, get_metric_history, compare_companies, screen_filing_signals.
Profitability: LendingClub Corp earns N/A ROIC
ROIC TTM N/A, sector median 3.6%. Source: 10-Q filed 2025-10-30.
| Metric | LC | Rating | Context |
|---|---|---|---|
| Return on Invested Capital (ROIC) | N/A | Red flag | Below sector median of 3.6% |
| Return on Equity (ROE) | 12.1% | Adequate | Moderate equity returns |
Cash Flow: LendingClub Corp generates $-3.2B FCF at -305.8% margin, positive NaN/8 quarters
FCF TTM $-3.2B. FCF margin -305.8%. OCF/Net income -17.1x. Positive FCF in NaN/8 trailing quarters. Source: 10-Q filed 2025-10-30.
| Metric | LC | Rating | Context |
|---|---|---|---|
| Free Cash Flow Margin | -305.8% | Red flag | Thin cash margins |
| Free Cash Flow (TTM) | $-3.2B | Red flag | Cash burn |
| OCF/Net Income | -17.1x | Warning | Potential accrual concerns |
| FCF Consistency (8Q) | N/A | Warning | Variable cash flow |
Balance Sheet: LendingClub Corp at 0.0x leverage
Debt/Equity 0.0x. 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 9.4x earnings
P/E 9.4x. EV/Sales 0.8x. FCF yield -191.8%. Source: 10-Q filed 2025-10-30.
| Metric | LC | Rating | Context |
|---|---|---|---|
| P/E Ratio | 9.4x | Adequate | Reasonable valuation |
| EV/Sales | 0.8x | Excellent | Attractive revenue multiple |
| FCF Yield | -191.8% | Warning | Lower cash yield |
Capital Allocation: LendingClub Corp returns 0.0% shareholder yield
Total shareholder yield 0.0%. Capital returned $0 TTM. 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 | -305.8% | Bottom 10% | - |
| Return on Equity (ROE) | 12.1% | Top 50% | 1.9x above |
| P/E Ratio | 9.4x | N/A | - |
Financial Scorecard
| Metric | LC | Rating | Sector Context |
|---|---|---|---|
| Free Cash Flow Margin | -305.8% | Red flag | Thin cash margins |
| Debt to Equity Ratio | 0.0% | Excellent | Conservative capital structure |
| P/E Ratio (Price-to-Earnings) | 938.0% | Adequate | Attractively valued |
| Free Cash Flow Yield | -191.8% | 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. Sector median 3.6%. Source: 10-Q filed 2025-10-30.
Q: What is LendingClub Corp's Free Cash Flow Margin?
LendingClub Corp (LC) has a free cash flow margin of -305.8%, generating $-3.2 billion in free cash flow over the trailing twelve months. Source: 10-Q filed 2025-10-30.
Q: What is LendingClub Corp's P/E ratio and how does it compare to peers?
LendingClub Corp (LC) trades at a P/E ratio of 9.4x, which is above the sector median of N/A. EV/Sales 0.8x. Source: 10-Q filed 2025-10-30.
Q: What is LendingClub Corp's revenue and earnings growth?
LendingClub Corp (LC) grew revenue by 25.4% year-over-year. EPS +237.1% YoY. Source: 10-Q filed 2025-10-30.
Q: How does LendingClub Corp compare to competitors in Other?
Compared to other companies in Other, LendingClub Corp (LC) shows: ROIC N/A, sector median 3.6% (NaNx). FCF margin -305.8%, sector median 0.0%. 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?
Quantitative warning flags for LendingClub Corp (LC): 1) FCF margin -305.8% (below 5%). Source: 10-Q filed 2025-10-30.
Data Source: Data sourced from 10-Q filed 2025-10-30. TTM metrics as of Q1 2026.
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.