LendingClub Corporation (LC) Fair Value & Analysis
Financial Services · US · Market cap $2.2B
LendingClub Corporation
LC · US
Fair value as of: Jun 26, 2026
From 15 valuation models · updated 3 days ago
Share price −99.0% over the past month.
Price vs Fair Value (12 months)
12‑month range $0.1730 – $21.46 · fair‑value band $0.1000 – $0.1700 · the $0.1740 price screens above the $0.1400 fair value. As of Jun 26, 2026.
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LendingClub Corporation (LC) currently trades at $0.1740, while our model-based Fair Value estimate is $0.1400 — implying the stock looks roughly 19.5% 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).
Over the trailing twelve months, LendingClub Corporation generated revenue of $1.4B at a net margin of 12.8%. Revenue grew 12.5% year over year. It earns a return on equity of 12.2%. The balance sheet holds a net cash position of $902M. Fundamentals as of Jun 26, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.
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.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
LendingClub Corporation reported revenue of $1.3B in FY2025 versus $899M in FY2021, a compound +10.4%/yr. Reported net income was $136M in FY2025, compounding +64.4%/yr from FY2021.
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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.