US · LC
LendingClub Corporation
- Sector
- Financial Services · Financial - Credit Services
- Headquarters
- San Francisco, CA 94105
- Website
- lendingclub.com
Price · as of 2025-12-31
$17.06
Market cap 1.72B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $9.11 | -46.6% |
| Intrinsic Value(DCF) | $16.36 | -4.1% |
| Graham-Dodd Method(GD) | $18.24 | +6.89% |
| Graham Formula(GF) | $26.44 | +55% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | $95.35 | $159.85 | $310,595.80 | $48.70 | $0.00 |
| 2015 | $45.85 | $55.61 | $11,706.40 | $12.59 | $0.00 |
| 2016 | $26.55 | $67.56 | $944.32 | $2.71 | $0.00 |
| 2017 | $19.75 | $16,653.79 | $1.57 | $1.44 | $0.00 |
| 2018 | $14.25 | $19.04 | $2.07 | $2.69 | $0.00 |
| 2019 | $10.13 | $25.14 | $5.28 | $8.55 | $0.00 |
| 2020 | $15.08 | $44.53 | $2.40 | $0.00 | $89.45 |
| 2021 | $14.24 | $65.99 | $754.71 | $8.84 | $19.18 |
| 2022 | $7.63 | $53.67 | $3,100.95 | $24.50 | $133.00 |
| 2023 | $8.07 | $63.96 | $1,431.39 | $12.64 | $0.00 |
| 2024 | $11.19 | $8.12 | $111.88 | $13.63 | $4.70 |
| 2025 | $15.05 | $9.11 | $27.61 | $18.23 | $26.44 |
AI valuation
Our deep-learning model estimates LendingClub Corporation's (LC) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $9.11
- Current price
- $17.06
- AI upside
- -46.6%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$16.36
-4.1% upside
Graham-Dodd
$18.24
+6.89% upside
Graham Formula
$26.44
+55% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| LC | LendingClub Corporation | $17.06 | 1.72B | -47% | -4% | +7% | +55% | 12.79 | 1.16 | 1.30 | -5.36 | 8.22 | 1.22 | 64.71% | 25.00% | 10.17% | 9.55% | -28.35% | 1.22% | 0.00 | 0.99 | — | — | -0.03 | 15556.00% | 1497.00% | 665.00% | -165.19% | — | 317.73% | 0.00% | 0.00% | 0.00% | -5.94 | 0.69 | -1.49 | 0.68 |
| AGM | Federal Agricultural Mort… | $157.66 | 1.72B | +1,120% | -15% | -17% | — | 9.53 | 1.01 | 1.32 | 55.06 | 870.60 | 1.01 | 29.47% | 19.40% | 15.73% | 11.38% | 1.28% | 0.55% | 17.93 | 0.28 | 0.12 | 1.68 | 116.89 | 109.00% | -1886.00% | -8682.00% | 4.60% | 0.01 | 0.49% | 5.12% | 48.80% | 5.12% | 55.06 | 175.87 | 10.68 | -0.20 |
| BUSE | First Busey Corporation | $25.36 | 2.24B | -10% | +3,704% | +18% | +278% | 16.92 | 0.93 | 2.19 | 1.42 | — | 1.15 | 63.88% | 17.88% | 12.96% | 7.02% | 68.36% | 0.90% | 0.19 | 0.58 | 0.64 | 0.64 | 0.80 | -2576.00% | 5756.00% | 1207.00% | 8.41% | 0.05 | 97.33% | 0.00% | 0.00% | 0.00% | 1.55 | 1.51 | 0.28 | 0.11 |
| FBNC | First Bancorp | $56.79 | 2.35B | -37% | -17% | -50% | -51% | 21.59 | 1.45 | 4.41 | 1.79 | 47.30 | 2.07 | 70.11% | 26.56% | 20.45% | 7.16% | -16.27% | 0.89% | 0.05 | 0.91 | 0.24 | 0.24 | -0.47 | 4565.00% | 232.00% | 1042.00% | 7.93% | 0.02 | -26.94% | 1.55% | 33.60% | 1.60% | 1.92 | 1.46 | 0.51 | -0.38 |
| SEZL | Sezzle Inc. | $72.95 | 2.49B | +49% | +1,437% | -66% | +284% | 19.31 | 15.14 | 5.71 | 14.86 | 27.64 | 15.44 | 85.35% | 39.26% | 29.57% | 103.34% | 78.96% | 38.11% | 0.83 | 12.61 | 3.92 | 3.55 | 0.43 | 6986.00% | 6608.00% | 42835.00% | 8.11% | 2.34 | 113.87% | 0.00% | 0.00% | 2.52% | 14.97 | 12.70 | 5.88 | 10.06 |
| STC | Stewart Information Servi… | $70.99 | 2.12B | +116% | -12% | -54% | +39% | 17.58 | 1.24 | 0.70 | 10.77 | 32.09 | 46.18 | 87.72% | 5.67% | 3.96% | 7.59% | 6.64% | 3.86% | 0.54 | 8.10 | — | — | 2.36 | 5479.00% | 1732.00% | 11619.00% | 10.13% | — | 10.50% | 0.00% | 0.00% | 0.00% | 15.71 | 12.64 | 0.89 | 2.45 |
About LendingClub Corporation
LendingClub Corporation, operates as a bank holding company for LendingClub Bank, National Association that provides range of financial products and services through a technology-driven platform in the United States. The company provides commercial and industrial, commercial real estate, small business, and equipment loans, as well as leases equipment; and unsecured personal and auto, patient finance, and education finance loans. It also operates an online lending marketplace platform that connects borrowers and investors. LendingClub Corporation was incorporated in 2006 and is headquartered in San Francisco, California.
- CEO
- Scott C. Sanborn
- Employees
- 1K
- Beta
- 2.10
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($16.36 ÷ $17.06) − 1 = -4.1% (DCF, example).