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LendingClub Corporation (LC) Fair Value & Analysis

Financial Services · US · Market cap $2.2B

Price$0.1770
Fair Value$0.1400
Upside-20.9%
Quality95/100
Evidence: High Range $0.1100 – $0.1800

Fair value as of: Jun 25, 2026

Analysis

LendingClub Corporation (LC) currently trades at $0.1770, while our model-based Fair Value estimate is $0.1400 — implying the stock looks roughly 20.9% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

LendingClub Corporation, operates as a bank holding company, that provides range of financial products and services in the United States. It offers deposit products, including savings accounts, checking accounts, and certificates of deposit; patient and education finance loans; and commercial loans, including small business loans. The company also provides consumer loans, such as Unsecured and unsecured, fixed-rate, and fixed-term consumer loans; and secured auto refinance loans. In addition, it operates a lending marketplace platform. The company was incorporated in 2006 and is headquartered in San Francisco, California.

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Frequently asked questions

Is LendingClub Corporation (LC) undervalued?
As of Jun 25, 2026, our model estimates a fair value of $0.1400 versus a price of $0.1770 — about −21% (overvalued). Model-based estimate, not financial advice.
What is the fair value of LC?
Our 21-model fair value for LendingClub Corporation is $0.1400 (as of Jun 25, 2026), built from audited fundamentals. The current price is $0.1770.
What is the quality score of LC?
LendingClub Corporation has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.