LC
Financial ServicesLendingClub Corporation · Financial - Credit Services · $2B
What is LendingClub Corporation?
LendingClub Corporation is a bank holding company operating through LendingClub Bank, offering personal loans, auto loans, and commercial lending via a technology-driven marketplace platform based in San Francisco.
LendingClub connects borrowers and investors through an online lending marketplace while also functioning as a licensed bank. It generates revenue from loan originations, interest income, and fees across personal, auto, education, and commercial loan products — serving both individual consumers and small businesses across the United States.
Incorporated in 2006 and headquartered in San Francisco, California.
- Unsecured personal loans
- Auto and patient finance loans
- Commercial and small business loans
- Online lending marketplace platform
Is LC a Good Stock to Buy?
UQS Score rates LC as Below Average overall.
LC's strongest areas are Risk and Valuation, which rate Good and Attractive respectively — suggesting the stock is not obviously overpriced relative to its fundamentals, and that near-term financial risk appears manageable.
Quality and Moat both rate Weak, indicating limited competitive advantages and below-average business quality metrics compared to sector peers.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does LC pay dividends?
No — LendingClub Corporation does not currently pay a dividend.
LendingClub does not currently pay a dividend. As a growth-oriented fintech bank, the company reinvests available capital into platform development, loan growth, and expanding its banking capabilities rather than returning cash to shareholders through distributions.
When does LC report earnings?
LendingClub reports earnings on a quarterly cadence, typical for US-listed financial institutions.
Growth rates for LC have been Neutral per UQS scoring, reflecting a business navigating the transition from marketplace lender to full-service bank. Loan origination volumes and net interest income trends are the key metrics to watch each quarter.
For the most recent quarter's results, visit LendingClub's investor relations page directly.
LC Price History
+13.7% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in LendingClub Corporation?
Based on LendingClub Corporation's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
Frequently Asked Questions
What does LendingClub do?
LendingClub operates as a bank holding company that offers personal, auto, education, and commercial loans through both a licensed bank and an online lending marketplace. It connects borrowers with funding while earning revenue from origination fees and interest income.
Does LC pay dividends?
No, LC does not currently pay a dividend. The company focuses on reinvesting capital into its banking platform and loan growth rather than distributing cash to shareholders.
When does LC report earnings?
LendingClub reports on a quarterly basis, consistent with US-listed bank holding companies. For exact dates, check the investor relations section of LendingClub's official website.
Is LC a good stock to buy?
UQS Score rates LC as Below Average overall. While Valuation appears Attractive and Risk rates Good, weak Quality and Moat scores suggest meaningful structural limitations. Reviewing the full pillar breakdown on UQS can help inform your decision.
Is LC overvalued?
According to UQS scoring, LC's Valuation pillar rates as Attractive, meaning the stock does not appear overpriced relative to its fundamentals. However, valuation alone does not determine investment quality — other pillars like Quality and Moat rate Weak.
What is LC's market cap bracket?
LendingClub is classified as a mid-cap company, placing it between smaller regional fintech lenders and larger established financial institutions in terms of overall market size.
Is LC a long-term quality investment?
As a long-term quality indicator, LC's Below Average UQS Score — driven by Weak Quality and Moat ratings — suggests caution. The Attractive Valuation and Good Risk profile provide some offset, but long-term compounding typically favors companies with stronger competitive moats.
What sector does LC belong to?
LendingClub operates in the Financial Services sector, specifically at the intersection of consumer lending and fintech banking. It competes with both traditional banks and technology-driven lending platforms.
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Pro Analysis
LC — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 12, 2026 | 45.3 | 38.1 | 23.0 | 47.9 | 36.4 | 100.0 | -3.8 |
| May 2, 2026 | 49.1 | 32.5 | 23.0 | 47.9 | 72.7 | 98.1 | +0.1 |
| Apr 29, 2026 | 49.0 | 32.5 | 23.0 | 47.8 | 72.7 | 98.1 | 0.0 |
| Apr 26, 2026 | 49.0 | 32.5 | 23.0 | 47.6 | 72.7 | 98.1 | 0.0 |
| Apr 22, 2026 | 49.0 | 32.5 | 23.0 | 47.6 | 72.7 | 98.2 | 0.0 |
| Apr 21, 2026 | 49.0 | 32.5 | 23.0 | 47.6 | 72.7 | 97.9 | 0.0 |
| Apr 19, 2026 | 49.0 | 32.5 | 23.0 | 47.6 | 72.7 | 98.2 | -0.3 |
| Apr 15, 2026 | 49.3 | 32.5 | 23.0 | 47.6 | 72.7 | 100.0 | -6.8 |
| Apr 13, 2026 | 56.1 | 32.5 | 50.0 | 47.6 | 72.7 | 100.0 | +6.8 |
| Apr 2, 2026 | 49.3 | 32.5 | 23.0 | 47.6 | 72.7 | 100.0 | — |
LC — Pillar Breakdown
Quality
— 38.1/100 (25%)LendingClub Corporation has average quality metrics, with room for improvement in margins or capital efficiency.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 47.9/100 (20%)LendingClub Corporation shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 36.4/100 (15%)LendingClub Corporation has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 100.0/100 (15%)LendingClub Corporation appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 23/100 (25%)LendingClub Corporation operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for LC.
Score Composition
Financial Data
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How is the LC UQS Score Calculated?
The UQS (Unified Quality Score) for LendingClub Corporation is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses LendingClub Corporation's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether LendingClub Corporation is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.