LendingClub Corp (LC) Fair Value & Analysis

Financial Services · US · Market cap $2.2B · ISIN US52603A2087

What is LendingClub Corp really worth?

What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

What matters now

• The large discount to fair value meets weak quality (34/100). That raises the risk this is a value trap rather than a bargain.
• The price is below even our cautious bear case ($0.2570). The market is more pessimistic than our downside scenario.
• The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 5, 2026.

How to read this chart

60‑month range $0.1710 – $47.61 · fair‑value band $0.2570 – $0.4270 · the $0.1710 price screens below the $0.3420 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 2 fiscal years are left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 5, 2026.

Full chart & analysis →

Which stocks are undervalued right now? Check free Discover now →

Analysis

LendingClub Corp (LC) currently trades at $0.1710, while our model-based Fair Value estimate is $0.3420, implying the stock looks roughly 50.0% undervalued today. The Quality Score stands at 34/100 (below-average quality), in the Financial Services sector. Bull case: the Multiples group reads highest at a median of $0.1400 per share, and 0 of the 4 models we run sit above the $0.1710 price. Bear case: the Asset-Based group reads lowest at $0.0800, and 4 of the 4 models stay below the price. Evidence for this calculation is low.

Over the trailing twelve months, LendingClub Corp 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 Sep 5, 2026

Our scenario range runs from $0.2570 (bear case) to $0.4270 (bull case); at $0.1710, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. For context, the median of 10 Financial Services peers we cover trades at −10% fair-value upside, at 100%, LC screens cheaper than that median.

Fair Value models

This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly $1.02 per share, which is 301.0 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.

Widest divergence: Multiples ($0.1400) versus Asset-Based ($0.0800). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

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.

Full company description

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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

LendingClub Corp 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.

Watch LC: get an alert when its fair value changes →

Peer Group

Banks - Regional · 1070 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Valuation Multiples vs Banks - Regional median · lower = cheaper

Strength profile in five axes (Snowflake)

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Insider activity: 46/100

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Sep 5, 2026).

Explore undervalued stocks

More undervalued Financial Services stocks →

Try a ready-made strategy

Pick a strategy and jump into the live analysis with that exact screen applied.

Discover tools

Frequently asked questions