LC Fair Value Estimate
Blended fair value estimate based on DCF, Graham Number, and earnings-based models.
LendingClub Corp
LendingClub Bank (soon to be Happen Bank TM ) is a digital bank built for the Motivated Middle: high-FICO, high-income, digitally savvy consumers actively managing their financial lives. Our difference? We make it easy for them to access award-winning products that help them keep more of what they earn and earn more on what they save. Our products are aligned by design to reward our five million plus members when they take positive financial steps, like saving regularly or making loan payments on time. Our success is fueled by our advanced credit underwriting, a proprietary technology platform engineered for innovation, and a marketplace bank model that drives value for members, loan investors, and shareholders alike. The result is affordable credit, meaningful value, and a trusted banking relationship delivered consistently and profitably at scale. As we look to our next chapter, we're choosing a name that reflects why we exist: to clear the way for our members to make it happen.
Capital expenditures increased by 158% from FY24 to FY25.
Current Price
$17.06
-0.06%GoodMoat Value
$6.20
63.7% overvaluedBlended fair value estimate based on DCF, Graham Number, and earnings-based models.
Graham Number, PEG-based, and Earnings-based models
View Fair Value →LendingClub Corp (LC) valuation analysis using multiple fair value methodologies. GoodMoat calculates a blended fair value target using discounted cash flow (DCF) analysis, the Graham Number, and earnings-based valuation models.
The GoodMoat Fair Value target for LendingClub Corp is $6.20. The current stock price is $17.06, suggesting the stock is 175.3% overvalued.
The price-to-earnings (P/E) ratio is 11.19. Price-to-book ratio is 1.31. Price-to-sales ratio is 1.90. Enterprise value to EBITDA is 3.90. PEG ratio is 0.03.
GoodMoat's valuation models include the Graham Number (based on EPS and book value), an earnings-based model (discounted future EPS), and a PEG-adjusted valuation. The three models are averaged to produce a blended fair value estimate. Use these tools alongside the DCF calculator and reverse DCF to form a comprehensive view of LendingClub Corp's intrinsic value.