Lendingclub (LC) Fundamental Analysis: Revenue, Earnings & Valuation

8.35 / 10

Outperform

Fundamentally, LC scores 8.3/10, rated Outperform. Key strengths are a 41.8% gross profit margin and a favorable Asset‑MV position, while cash‑MV and cash‑UP lag. Overall, the fundamentals are very promising, offset by modest liquidity concerns.

Analysis Checks(4/10)

Gross profit margin (%)

Value41.83

Score2/3

Weight1.15%

1M Return0.37%

Current liabilities / Total liabilities (%)

Value48.71

Score2/3

Weight9.84%

1M Return2.93%

Non-current liabilities / Total liabilities (%)

Value53.45

Score1/3

Weight7.37%

1M Return2.14%

Net profit margin (%)

Value-1264.47

Score1/3

Weight5.32%

1M Return1.66%

Total profit / EBIT (%)

Value100.00

Score2/3

Weight5.94%

1M Return1.85%

Cash-UP

Value-0.15

Score1/3

Weight-20.52%

1M Return-8.26%

Operating revenue (YoY growth rate %)

Value177.16

Score1/3

Weight7.19%

1M Return2.13%

EBIT / Total operating revenue (%)

Value-1049.47

Score1/3

Weight3.95%

1M Return1.25%

Asset-MV

Value-0.55

Score3/3

Weight94.81%

1M Return15.67%

Cash-MV

Value0.02

Score0/3

Weight-15.04%

1M Return-5.83%

Is LC fundamentally strong?

LC scores 8.35/10 on fundamentals and holds a Discounted valuation at present. Backed by its 9.55% ROE, 13.58% net margin, 12.16 P/E ratio, 1.10 P/B ratio, and 156.52% earnings growth, these metrics solidify its Outperform investment rating.