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

6.55 / 10

Outperform

LC's fundamental score stands at 6.5/10, reflecting adequate quality. Key strengths include a healthy gross profit margin of 48.17% and robust year-over-year revenue growth of 64.40%. However, the net profit margin is deeply negative at -1,256.29%, and both Profit-MV and Cash-MV show sub-par performance, indicating ongoing profitability and cash-flow challenges. These mixed signals temper the overall fundamental outlook.

Analysis Checks(6/10)

Gross profit margin (%)

Value48.17

Score2/3

Weight2.53%

1M Return1.27%

Profit-MV

Value1.06

Score0/3

Weight-4.25%

1M Return-2.31%

Total profit (YoY growth rate %)

Value171.95

Score2/3

Weight13.03%

1M Return6.01%

Net profit margin (%)

Value-1256.29

Score2/3

Weight5.50%

1M Return2.69%

Total profit / EBIT (%)

Value100.00

Score2/3

Weight6.44%

1M Return3.12%

Operating revenue (YoY growth rate %)

Value64.40

Score1/3

Weight7.15%

1M Return3.29%

Total assets turnover ratio

Value0.93

Score1/3

Weight6.78%

1M Return3.38%

EBIT / Total operating revenue (%)

Value-512.37

Score2/3

Weight5.43%

1M Return2.61%

Asset-MV

Value-0.50

Score3/3

Weight63.76%

1M Return16.94%

Cash-MV

Value0.14

Score0/3

Weight-6.38%

1M Return-3.39%

Is LC undervalued or overvalued?

LC scores 6.55/10 on fundamentals and holds a Discounted valuation at present. Backed by its 9.55% ROE, 13.58% net margin, 14.40 P/E ratio, 1.30 P/B ratio, and 156.52% earnings growth, these metrics solidify its Outperform investment rating.