LendingClub
About: LendingClub Corp is a company engaged in operating an online lending marketplace platform that connects borrowers and investors for the provision of the loan facility. It offers investors access to an asset class that has generally been closed to many investors and only available on a limited basis to institutional investors. The company through the platform offers loan products such as personal, education and patient finance, small business, and auto to interested investors. It generates a majority of the revenue from the transaction fees received from the platform's role in accepting and decisioning applications on behalf of the bank partners to enable loan originations.
Employees: 1,002
0
Funds holding %
of 7,296 funds
–
Analysts bullish %
Fund manager confidence
Based on 2025 Q1 regulatory disclosures by fund managers ($100M+ AUM)
432% more call options, than puts
Call options by funds: $25.1M | Put options by funds: $4.72M
1.14% more ownership
Funds ownership: 77.44% [Q4 2024] → 78.57% (+1.14%) [Q1 2025]
5% more first-time investments, than exits
New positions opened: 44 | Existing positions closed: 42
1% more repeat investments, than reductions
Existing positions increased: 79 | Existing positions reduced: 78
1% less funds holding
Funds holding: 236 [Q4 2024] → 233 (-3) [Q1 2025]
35% less capital invested
Capital invested by funds: $1.41B [Q4 2024] → $919M (-$490M) [Q1 2025]
60% less funds holding in top 10
Funds holding in top 10: 5 [Q4 2024] → 2 (-3) [Q1 2025]
Research analyst outlook
1 Wall Street Analyst provided 1 year price targets over the past 3 months
Low target
$14
34%
upside
Avg. target
$14
34%
upside
High target
$14
34%
upside
1 analyst rating
1 positive
100%
0 neutral
0%
0 negative
0%
Keefe, Bruyette & Woods Timothy Switzer | 34%upside $14 | Outperform Maintained | 30 Apr 2025 |
Financial journalist opinion
Negative
The Motley Fool
4 weeks ago
This Fintech Is Building an AI-Powered Bank on the Cheap -- and Trades for Less Than Book Value
In the wake of all the economic and interest rate turmoil since the pandemic, some promising young AI fintech start-ups went bust. However, one of the older and established fintechs, LendingClub (LC 0.28%), has been scooping up several bankrupt start-ups' intellectual property on the cheap.
Positive
Schaeffers Research
1 month ago
Which Fintech Stock Should You be Targeting?
Lesser-known Uruguayan fintech stock dLocal Ltd (NASDAQ:DLO) is one of the best stocks on Wall Street today, last seen up 13.4% to trade at $11.59.
Neutral
Seeking Alpha
1 month ago
LendingClub: Lowering Price Target But Reiterating Buy
LendingClub delivered solid 1Q25 results, beating revenue estimates but missing EPS due to higher-than-expected credit provisioning, resulting from the ongoing tariff saga. Despite some broader concerns about a looming recession/stagflation, the capital markets appear to be on solid footing. I am lowering earnings estimates, but still expect strong EPS growth this year and in 2026.
Neutral
Seeking Alpha
1 month ago
LendingClub: Already Pricing In Major Economic Weakness
LendingClub Corporation beat Q1 '25 revenue estimates, but extra provision charges for potential macroeconomic weakness led to a slight EPS miss. The fintech plans to grow loan originations, aiming for up to $2.3 billion in Q2, with the potential to double quarterly originations based on TAM growth. LC stock, trading at $10, is undervalued trading below TBV and at only 7x '26 EPS targets.
Positive
Zacks Investment Research
1 month ago
Compared to Estimates, LendingClub (LC) Q1 Earnings: A Look at Key Metrics
The headline numbers for LendingClub (LC) give insight into how the company performed in the quarter ended March 2025, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.
Neutral
Seeking Alpha
1 month ago
LendingClub Corporation (LC) Q1 2025 Earnings Call Transcript
LendingClub Corporation (NYSE:LC ) Q1 2025 Earnings Conference Call April 29, 2025 5:00 PM ET Company Participants Artem Nalivayko - Head, Investor Relations Scott Sanborn - Chief Executive Officer Drew LaBenne - Chief Financial Officer Conference Call Participants Bill Ryan - Seaport Research Partners Giuliano Bologna - Compass Point Vincent Caintic - BTIG Tim Switzer - KBW Crispin Love - Piper Sandler Operator Good afternoon. Thank you for attending today's LendingClub First Quarter '25 Earnings Conference Call.
Positive
Zacks Investment Research
1 month ago
LendingClub (LC) Q1 Earnings Meet Estimates
LendingClub (LC) came out with quarterly earnings of $0.10 per share, in line with the Zacks Consensus Estimate. This compares to earnings of $0.11 per share a year ago.
Neutral
PRNewsWire
1 month ago
LendingClub Acquires AI-Powered Spending Intelligence Platform
Cushion's technology to complement and enhance LendingClub's suite of mobile financial products and experiences SAN FRANCISCO , April 29, 2025 /PRNewswire/ -- LendingClub Corporation (NYSE: LC), America's leading digital marketplace bank, today announced the acquisition of intellectual property and select talent behind Cushion, an AI-powered spending intelligence platform, providing a natural complement to LendingClub's suite of mobile financial products and experiences. Cushion's AI-powered technology ingests users' bank transactions and purchase information to help them track their bills, make on-time payments, manage subscriptions, build credit, and monitor buy now, pay later (BNPL) loans.
Neutral
PRNewsWire
1 month ago
LendingClub Reports First Quarter 2025 Results
Grew Originations +21%, Revenue +20%, and Total Assets +13% in First Quarter Compared to Prior Year Exceeded $100 Billion in Lifetime Originations SAN FRANCISCO , April 29, 2025 /PRNewswire/ -- LendingClub Corporation (NYSE: LC), the parent company of LendingClub Bank, America's leading digital marketplace bank, today announced financial results for the first quarter ended March 31, 2025. "We're off to a great start for 2025, growing total net revenue and originations more than 20% year over year to cross $100 billion in lifetime originations," said Scott Sanborn, LendingClub CEO.
Negative
Seeking Alpha
1 month ago
LendingClub: Cheap For A Reason Or A Mispriced FinTech?
LendingClub is one of the oldest publicly traded FinTechs around, with a banking charter to boot, lowering deposit costs in comparison to its FinTech peers. The company and its peers have seen significant volatility since the COVID and stimulus years, with the macro and rate environment looking equally unpredictable today. LendingClub is trading at 0.86x book value, but at a rather meagre 2.9% ROE in the last quarter, with unimpressive growth in originations and stiff competition in the lending space.
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