LendingClub Corporation (LC)Financial Services | Banks - Regional | San Francisco, United States | NYSE
17.92 USD
+0.48
(2.752%)
⇧
(April 20, 2026, 4 p.m.
EDT)
Short-term: ★★★☆☆ | Long-term: ★★★★☆ | Dividends: ★★☆☆☆ |
Hot Take | April 19, 2026, 12:46 a.m. EDT
LendingClub (LC) presents a compelling medium-term value play centered on the disconnect between its depressed trading price and strong balance sheet fundamentals, yet it lacks the dividend yield required for passive income strategies. The recent 44% surge in short interest suggests significant contrarian pressure, but the analyst consensus (Strong Buy) and the company's aggressive capital return programs (buybacks) validate the current price as primarily a sentiment-driven discount rather than a fundamental one. Investors should view this as a clear 'accumulate on weakness' setup for capital appreciation, provided they are comfortable without a reliable dividend stream. |
| Model | MAE |
|---|---|
| AutoETS ✓ | 0.307262 |
| MSTL | 0.320758 |
| AutoTheta | 0.332752 |
| AutoARIMA | 0.373220 |
Forecast horizon: 45 days | Selected: AutoETS
| Forecast Reliability | |
|---|---|
| Score | 61% |
| H-stat | 1.78 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.067 |
| Excess Kurtosis | 0.76 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Debt to Equity Ratio | 1.055 |
| Revenue per Share | 11.646 |
| Market Cap | 2,066,201,856 |
| Trailing P/E | 15.45 |
| Forward P/E | 7.71 |
| Beta | 1.95 |
| Profit Margins | 10.17% |
| Website | https://www.lendingclub.com |
As of April 19, 2026, 12:46 a.m. EDT: Options positioning shows a distinct bias toward medium-term upside exposure. In the 2026-07-17 and 2026-08-21 expirations, Call Open Interest (OI) significantly outweighs Put OI, particularly at strikes above the current price (e.g., 22.0 strikes have massive OI in July). While there is a heavy wall of Put OI at lower strikes (e.g., 10.0, 14.0) suggesting a price floor or protection against a macro reset, the volume spikes in mid-strike calls indicate active bullish positioning by speculators. Implied volatility is elevated for near-term options, reflecting the stock's volatility post-earnings, but the skew is not purely defensive.
| Attribute | Value |
|---|---|
| 52 Week Change | 0.8156028 |
| Address1 | 88 Kearny Street |
| Address2 | Suite 600 |
| All Time High | 146.45 |
| All Time Low | 4.315 |
| Ask | 18.5 |
| Ask Size | 800 |
| Audit Risk | 3 |
| Average Analyst Rating | 1.5 - Strong Buy |
| Average Daily Volume10 Day | 2,067,440 |
| Average Daily Volume3 Month | 2,175,447 |
| Average Volume | 2,175,447 |
| Average Volume10Days | 2,067,440 |
| Beta | 1.954 |
| Bid | 15.9 |
| Bid Size | 300 |
| Board Risk | 7 |
| Book Value | 13.005 |
| City | San Francisco |
| Compensation As Of Epoch Date | 1,735,603,200 |
| Compensation Risk | 5 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 17.92 |
| Current Ratio | 2.709 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,774,915,200 |
| Day High | 18.02 |
| Day Low | 17.3 |
| Debt To Equity | 1.055 |
| Display Name | LendingClub |
| Dividend Date | 1,562,544,000 |
| Earnings Call Timestamp End | 1,777,323,600 |
| Earnings Call Timestamp Start | 1,777,323,600 |
| Earnings Growth | 3.296 |
| Earnings Quarterly Growth | 3.275 |
| Earnings Timestamp | 1,777,320,000 |
| Earnings Timestamp End | 1,777,320,000 |
| Earnings Timestamp Start | 1,777,320,000 |
| Ebitda | 239,835,008 |
| Ebitda Margins | 0.17969 |
| Enterprise To Ebitda | 4.846 |
| Enterprise To Revenue | 0.871 |
| Enterprise Value | 1,162,208,256 |
| Eps Current Year | 1.71267 |
| Eps Forward | 2.32519 |
| Eps Trailing Twelve Months | 1.16 |
| Esg Populated | 0 |
| Exchange | NYQ |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 15.2032 |
| Fifty Day Average Change | 2.7167997 |
| Fifty Day Average Change Percent | 0.1786992 |
| Fifty Two Week Change Percent | 81.56028 |
| Fifty Two Week High | 21.67 |
| Fifty Two Week High Change | -3.75 |
| Fifty Two Week High Change Percent | -0.1730503 |
| Fifty Two Week Low | 9.0 |
| Fifty Two Week Low Change | 8.92 |
| Fifty Two Week Low Change Percent | 0.9911111 |
| Fifty Two Week Range | 9.0 - 21.67 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,418,308,200,000 |
| Float Shares | 111,303,619 |
| Forward Eps | 2.32519 |
| Forward P E | 7.706897 |
| Free Cashflow | 1,239,625,216 |
| Full Exchange Name | NYSE |
| Full Time Employees | 1,075 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,775,001,600 |
| Gross Margins | 0.33743998 |
| Gross Profits | 450,391,008 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.03269 |
| Held Percent Institutions | 0.88347 |
| Implied Shares Outstanding | 115,301,440 |
| Industry | Banks - Regional |
| Industry Disp | Banks - Regional |
| Industry Key | banks-regional |
| Is Earnings Date Estimate | 0 |
| Language | en-US |
| 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 | us_market |
| Market Cap | 2,066,201,856 |
| Market State | PRE |
| Max Age | 86,400 |
| Message Board Id | finmb_34600869 |
| Most Recent Quarter | 1,767,139,200 |
| Net Income To Common | 135,676,992 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 2,064,036,316 |
| Number Of Analyst Opinions | 10 |
| Open | 17.3 |
| Operating Cashflow | -2,726,939,904 |
| Operating Margins | 0.14130999 |
| Overall Risk | 5 |
| Payout Ratio | 0.0 |
| Phone | 415 930 7440 |
| Pre Market Change | -0.26000023 |
| Pre Market Change Percent | -1.4508941 |
| Pre Market Price | 17.66 |
| Pre Market Time | 1,776,770,065 |
| Previous Close | 17.44 |
| Price Eps Current Year | 10.463195 |
| Price Hint | 2 |
| Price To Book | 1.3779316 |
| Price To Sales Trailing12 Months | 1.5480427 |
| Profit Margins | 0.10165 |
| Quick Ratio | 1.995 |
| Quote Source Name | Delayed Quote |
| Quote Type | EQUITY |
| Recommendation Key | strong_buy |
| Recommendation Mean | 1.5 |
| Region | US |
| Regular Market Change | 0.48 |
| Regular Market Change Percent | 2.75229 |
| Regular Market Day High | 18.02 |
| Regular Market Day Low | 17.3 |
| Regular Market Day Range | 17.3 - 18.02 |
| Regular Market Open | 17.3 |
| Regular Market Previous Close | 17.44 |
| Regular Market Price | 17.92 |
| Regular Market Time | 1,776,715,203 |
| Regular Market Volume | 1,327,646 |
| Return On Assets | 0.0099599995 |
| Return On Equity | 0.09547 |
| Revenue Growth | 0.122 |
| Revenue Per Share | 11.646 |
| Sand P52 Week Change | 0.34445214 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 5 |
| Shares Outstanding | 115,180,598 |
| Shares Percent Shares Out | 0.0572 |
| Shares Short | 6,593,818 |
| Shares Short Previous Month Date | 1,772,150,400 |
| Shares Short Prior Month | 4,744,768 |
| Short Name | LendingClub Corporation |
| Short Percent Of Float | 0.0589 |
| Short Ratio | 3.76 |
| Source Interval | 15 |
| State | CA |
| Symbol | LC |
| Target High Price | 29.0 |
| Target Low Price | 20.0 |
| Target Mean Price | 22.5 |
| Target Median Price | 22.0 |
| Total Cash | 917,654,016 |
| Total Cash Per Share | 7.967 |
| Total Debt | 15,826,000 |
| Total Revenue | 1,334,718,976 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | 1.16 |
| Trailing P E | 15.4482765 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 16.5053 |
| Two Hundred Day Average Change | 1.4146996 |
| Two Hundred Day Average Change Percent | 0.08571183 |
| Type Disp | Equity |
| Volume | 1,327,646 |
| Website | https://www.lendingclub.com |
| Zip | 94,108 |