LendingClub Corporation (LC)
LendingClub Statistics
Share Statistics
LendingClub has 114.2M shares outstanding. The number of shares has increased by 2.04% in one year.
| Shares Outstanding | 114.2M |
| Shares Change (YoY) | 2.04% |
| Shares Change (QoQ) | 0.87% |
| Owned by Institutions (%) | 77.83% |
| Shares Floating | 110.28M |
| Failed to Deliver (FTD) Shares | 4.75K |
| FTD / Avg. Volume | 0.29% |
Short Selling Information
The latest short interest is 3.89M, so 3.4% of the outstanding shares have been sold short.
| Short Interest | 3.89M |
| Short % of Shares Out | 3.4% |
| Short % of Float | 3.5% |
| Short Ratio (days to cover) | 2.77 |
Valuation Ratios
The PE ratio is 35.98 and the forward PE ratio is 7.31. LendingClub's PEG ratio is 1.3.
| PE Ratio | 35.98 |
| Forward PE | 7.31 |
| PS Ratio | 7.3 |
| Forward PS | 0.8 |
| PB Ratio | 1.38 |
| P/FCF Ratio | -0.69 |
| PEG Ratio | 1.3 |
Enterprise Valuation
LendingClub has an Enterprise Value (EV) of 921.18M.
| EV / Sales | 3.64 |
| EV / EBITDA | 7.49 |
| EV / EBIT | -0.35 |
| EV / FCF | -0.34 |
Financial Position
The company has a current ratio of 2.93, with a Debt / Equity ratio of 0.02.
| Current Ratio | 2.93 |
| Quick Ratio | 2.93 |
| Debt / Equity | 0.02 |
| Debt / EBITDA | 0.23 |
| Debt / FCF | -0.01 |
| Interest Coverage | 0.19 |
Financial Efficiency
Return on Equity is 3.83% and Return on Invested Capital is 1.41%.
| Return on Equity | 3.83% |
| Return on Assets | 0.48% |
| Return on Invested Capital | 1.41% |
| Revenue Per Employee | $252.47K |
| Profits Per Employee | $51.23K |
| Employee Count | 1,002 |
| Asset Turnover | 0.02 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 13.74M |
| Effective Tax Rate | 21.11% |
Stock Price Statistics
The stock price has increased by 8.78% in the last 52 weeks. The beta is 2.1, so LendingClub's price volatility has been higher than the market average.
| Beta | 2.1 |
| 52-Week Price Change | 8.78% |
| 50-Day Moving Average | 10.82 |
| 200-Day Moving Average | 12.79 |
| Relative Strength Index (RSI) | 44.51 |
| Average Volume (20 Days) | 1.61M |
Income Statement
In the last 12 months, LendingClub had revenue of 252.97M and earned 51.33M in profits. Earnings per share was 0.46.
| Revenue | 252.97M |
| Gross Profit | -27.03M |
| Operating Income | 69.76M |
| Net Income | 51.33M |
| EBITDA | 123.06M |
| EBIT | 69.76M |
| Earnings Per Share (EPS) | 0.46 |
Balance Sheet
The company has 954.06M in cash and 28.5M in debt, giving a net cash position of 925.56M.
| Cash & Cash Equivalents | 954.06M |
| Total Debt | 28.5M |
| Net Cash | 925.56M |
| Retained Earnings | -337.48M |
| Total Assets | 10.63B |
| Working Capital | 957.05M |
Cash Flow
In the last 12 months, operating cash flow was -2.63B and capital expenditures -54.3M, giving a free cash flow of -2.69B.
| Operating Cash Flow | -2.63B |
| Capital Expenditures | -54.3M |
| Free Cash Flow | -2.69B |
| FCF Per Share | -23.57 |
Margins
Gross margin is -10.69%, with operating and profit margins of 27.58% and 20.29%.
| Gross Margin | -10.69% |
| Operating Margin | 27.58% |
| Pretax Margin | 25.72% |
| Profit Margin | 20.29% |
| EBITDA Margin | 48.65% |
| EBIT Margin | 27.58% |
| FCF Margin | -1062.76% |
Dividends & Yields
LC does not appear to pay any dividends at this time.
| Dividend Per Share | n/a |
| Dividend Yield | n/a |
| Dividend Growth (YoY) | n/a |
| Payout Ratio | n/a |
| Earnings Yield | 2.78% |
| FCF Yield | -145.58% |
Analyst Forecast
The average price target for LC is $15.5, which is 58.3% higher than the current price. The consensus rating is "Buy".
| Price Target | $15.5 |
| Price Target Difference | 58.3% |
| Analyst Consensus | Buy |
| Analyst Count | 8 |
Stock Splits
The last stock split was on Jul 8, 2019. It was a backward split with a ratio of 1:5.
| Last Split Date | Jul 8, 2019 |
| Split Type | backward |
| Split Ratio | 1:5 |
Scores
| Altman Z-Score | 0.23 |
| Piotroski F-Score | 4 |