LendingClub Corporation (LC)Financial Services | Banks - Regional | San Francisco, United States |
USD
|
Hot Take ↕ | July 11, 2026, 9:24 a.m. UTC
The immediate catalyst is undeniable: LendingClub is executing a strategic pivot to launch Happen Bank, evidenced by the transfer of listing to Nasdaq and the adoption of the new ticker 'HAPN'. This transformational event, coupled with a massive 13% surge following record Q1 profits and a consensus 'Strong Buy' recommendation, creates a high-conviction near-term bullish case. The stock is trading well above its 50-day and 200-day averages, confirming strong momentum as investors price in the bank charter value. However, the long-term outlook remains mixed due to the lack of multi-year price history; without a track record of sustained revenue growth or a fortress balance sheet over several years, the investment thesis relies entirely on the successful execution of this new banking model rather than proven historical performance. Furthermore, there is no dividend income to support a passive holding strategy, making this a pure growth and speculation play on the new entity. |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Debt to Equity Ratio | 0.819 |
| Revenue per Share | 11.928 |
| Market Cap | 2,215,891,200 |
| Trailing P/E | 12.81 |
| Forward P/E | 8.35 |
| Beta | 1.97 |
| Profit Margins | 12.80% |
| Website | https://www.lendingclub.com |
| Attribute | Value |
|---|---|
| 52 Week Change | 0.670823 |
| Address1 | 88 Kearny Street |
| Address2 | Suite 600 |
| All Time High | 146.45 |
| All Time Low | 4.315 |
| Ask | 0.0 |
| Ask Size | 40,000 |
| Audit Risk | 3 |
| Average Daily Volume10 Day | 2,508,300 |
| Average Volume | 2,233,677 |
| Average Volume10Days | 2,508,300 |
| Beta | 1.974 |
| Bid | 0.0 |
| Bid Size | 40,000 |
| Board Risk | 3 |
| Book Value | 13.191 |
| City | San Francisco |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 5 |
| Country | United States |
| Currency | USD |
| Current Price | 19.21 |
| Current Ratio | 2.756 |
| Date Short Interest | 1,780,012,800 |
| Day High | 19.43 |
| Day Low | 18.9254 |
| Debt To Equity | 0.819 |
| Earnings Growth | 3.4 |
| Earnings Quarterly Growth | 3.421 |
| Ebitda | 293,377,984 |
| Ebitda Margins | 0.21381001 |
| Enterprise To Ebitda | 4.862 |
| Enterprise To Revenue | 1.04 |
| Enterprise Value | 1,426,429,312 |
| Exchange | NYQ |
| Exchange Timezone Name | UTC |
| Fifty Day Average | 17.2764 |
| Fifty Two Week High | 21.67 |
| Fifty Two Week Low | 11.75 |
| Financial Currency | USD |
| First Trade Date Epoch Utc | 1,783,690,200 |
| Float Shares | 111,324,024 |
| Forward Eps | 2.29954 |
| Forward P E | 8.353844 |
| Free Cashflow | 285,399,872 |
| Full Time Employees | 1,075 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,780,531,200 |
| Gross Margins | 0.38806 |
| Gross Profits | 532,467,008 |
| Held Percent Insiders | 0.0319 |
| Held Percent Institutions | 0.90981 |
| Implied Shares Outstanding | 115,350,925 |
| Industry | Banks - Regional |
| Industry Disp | Banks - Regional |
| Industry Key | banks-regional |
| Last Fiscal Year End | 1,767,139,200 |
| Last Split Date | 1,562,544,000 |
| Last Split Factor | 1:5 |
| Long Business Summary | 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. |
| Long Name | LendingClub Corporation |
| Market Cap | 2,215,891,200 |
| Max Age | 86,400 |
| Message Board Id | finmb_34600869 |
| Most Recent Quarter | 1,774,915,200 |
| Net Income To Common | 175,608,992 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 2,347,391,323 |
| Number Of Analyst Opinions | 10 |
| Open | 19.12 |
| Operating Cashflow | -3,006,673,920 |
| Operating Margins | 0.19965 |
| Overall Risk | 4 |
| Payout Ratio | 0.0 |
| Phone | 415 930 7440 |
| Previous Close | 18.81 |
| Price Hint | 2 |
| Price To Book | 1.4562958 |
| Price To Sales Trailing12 Months | 1.614928 |
| Profit Margins | 0.12798001 |
| Quick Ratio | 1.926 |
| Quote Type | EQUITY |
| Recommendation Key | strong_buy |
| Recommendation Mean | 1.5 |
| Regular Market Day High | 19.43 |
| Regular Market Day Low | 18.9254 |
| Regular Market Open | 19.12 |
| Regular Market Previous Close | 18.81 |
| Regular Market Volume | 1,349,618 |
| Return On Assets | 0.01274 |
| Return On Equity | 0.12161 |
| Revenue Growth | 0.125 |
| Revenue Per Share | 11.928 |
| Sand P52 Week Change | 0.20847368 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 5 |
| Shares Outstanding | 115,350,925 |
| Shares Percent Shares Out | 0.0543 |
| Shares Short | 6,268,637 |
| Shares Short Previous Month Date | 1,777,507,200 |
| Shares Short Prior Month | 5,120,573 |
| Short Name | LendingClub Corporation |
| Short Percent Of Float | 0.062800005 |
| Short Ratio | 3.55 |
| State | CA |
| Symbol | LC |
| Target High Price | 29.0 |
| Target Low Price | 20.0 |
| Target Mean Price | 23.25 |
| Target Median Price | 23.0 |
| Time Zone Full Name | America/New_York |
| Time Zone Short Name | EDT |
| Total Cash | 801,942,976 |
| Total Cash Per Share | 6.952 |
| Total Debt | 12,481,000 |
| Total Revenue | 1,372,130,048 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | 1.5 |
| Trailing P E | 12.806666 |
| Trailing Peg Ratio | None |
| Two Hundred Day Average | 17.0953 |
| Underlying Symbol | LC |
| Uuid | 6,907b869-2fb0-3b36-ab78-f1238a876284 |
| Volume | 1,349,618 |
| Website | https://www.lendingclub.com |
| Zip | 94,108 |