LendingClub Corp LC

Latest FY: 2025 Financial Services Banks-Regional
Market Price $19.20
Market Cap $2.21B
P/E Ratio 16.55
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑26.9% YoY
$998.85M
3-Yr CAGR: -5.6%
Net Income ↑164.3% YoY
$135.68M
Net Margin: 13.6%
Free Cash Flow ↓-6.7% YoY
-$2.87B
FCF Yield: -129.46%
EPS (Diluted) ↑157.8% YoY
$1.16
Basic: $1.18
Return on Equity Efficiency
9.0%
ROA: 1.2%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (LC)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $500.8M $57.0M $-146.0M $-0.38 $0.5M $-51.3M
FY 2017 $574.5M +14.7% $3.1M $-153.8M -5.4% $-0.38 0.0% $-590.8M $-635.4M -1,138.7%
FY 2018 $530.6M -7.7% $145.0M $-128.3M +16.6% $-0.30 +21.1% $-639.0M $-691.9M -8.9%
FY 2019 $758.6M +43.0% $512.0M $-30.7M +76.0% $-0.35 -16.7% $-270.6M $-321.3M +53.6%
FY 2020 $314.7M -58.5% $173.2M $-187.5M -510.0% $-1.24 -254.3% $418.0M $386.9M +220.4%
FY 2021 $818.6M +160.1% $738.6M $18.6M +109.9% $0.18 +114.5% $239.9M $205.5M -46.9%
FY 2022 $1,187.2M +45.0% $1,104.7M $289.7M +1,459.1% $2.79 +1,450.0% $375.6M $306.1M +49.0%
FY 2023 $864.6M -27.2% $593.8M $38.9M -86.6% $0.36 -87.1% $-1,136.6M $-1,196.1M -490.8%
FY 2024 $787.0M -9.0% $413.1M $51.3M +31.8% $0.45 +25.0% $-2,634.2M $-2,688.5M -124.8%
FY 2025 $998.8M +26.9% $663.0M $135.7M +164.3% $1.16 +157.8% $-2,726.9M $-2,867.3M -6.7%
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Valuation

Market Price $19.20
Market Cap $2.21B
Enterprise Value $1.69B
P/E Ratio 16.55
P/B Ratio 1.48
FCF Yield -129.46%
Dividend Yield N/A
Shares Outstanding 115,350,900
%

Profitability & Margins

Gross Margin 66.37%
Operating Margin 17.72%
Net Margin 13.58%
Return on Equity (ROE) 9.04%
Return on Assets (ROA) 1.17%
Asset Turnover 0.09x
Revenue 3-Yr CAGR -5.60%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.000
Debt / Assets 0.000
Cash & Equivalents $524.96M
Total Debt N/A
Book Value / Share $13.01
💧

Cash Flow Efficiency

Operating Cash Flow -$2.73B
Capital Expenditures (CapEx) $140.34M
Free Cash Flow -$2.87B
OCF / Revenue -273.01%
FCF / Revenue -287.06%
FCF 3-Yr CAGR N/A
🏷️

Per Share Metrics

EPS (Diluted) $1.16
EPS (Basic) $1.18
Dividends / Share N/A
Book Value / Share $13.01
EPS YoY Growth 157.78%
🏛️

Balance Sheet (FY 2025)

Total Assets $11.57B
Total Liabilities $10.07B
Stockholders' Equity $1.50B
Current Assets N/A
Current Liabilities N/A