Lendingclub Corp Stock Buy Hold or Sell Recommendation

LC Stock  USD 8.79  0.11  1.27%   
Allowing for the 90-day total investment horizon and your complete indifference towards market risk, our recommendation regarding LendingClub Corp is 'Strong Hold'. Macroaxis provides LendingClub Corp buy-hold-or-sell recommendation only in the context of selected investment horizon and investor attitude towards risk assumed by holding LC positions. The advice algorithm takes into account all of LendingClub Corp's available fundamental, technical, and predictive indicators you will find on this site. Key drivers impacting LendingClub Corp's buy or sell advice are summarized below:
Real Value
9.76
Target Price
10.94
Hype Value
8.79
Market Value
8.79
Naive Value
8.98
A buy or sell recommendation provided by Macroaxis is an automated directive regarding whether to purchase or sell LendingClub Corp given historical horizon and risk tolerance towards LendingClub Corp. When Macroaxis issues a 'buy' or 'sell' recommendation for LendingClub Corp, the advice is generated through an automated system that utilizes algorithms and statistical models.
  
Check out LendingClub Corp Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool.
For information on how to trade LendingClub Stock refer to our How to Trade LendingClub Stock guide.
In addition, we conduct extensive research on individual companies such as LendingClub and provide practical buy, sell, or hold advice based on investors' investing horizon and their risk tolerance towards LendingClub Corp. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in main economic indicators.

Execute LendingClub Corp Buy or Sell Advice

The LendingClub recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on LendingClub Corp. Macroaxis does not own or have any residual interests in LendingClub Corp or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute LendingClub Corp's advice using the current market data and latest reported fundamentals.

Time Horizon

Risk Tolerance

Execute Advice
Sell LendingClub CorpBuy LendingClub Corp
Strong Hold

Market Performance

WeakDetails

Volatility

Somewhat reliableDetails

Hype Condition

StaleDetails

Current Valuation

UndervaluedDetails

Odds Of Distress

Very SmallDetails

Economic Sensitivity

Actively responds to the marketDetails

Investor Sentiment

ExcitedDetails

Analyst Consensus

Strong BuyDetails

Financial Strenth (F Score)

HealthyDetails

Financial Leverage

InapplicableDetails

Reporting Quality (M-Score)

Possible ManipulatorDetails
For the selected time horizon LendingClub Corp has a Risk Adjusted Performance of 0.0194, Jensen Alpha of (0.18), Total Risk Alpha of (0.50), Sortino Ratio of (0.04) and Treynor Ratio of 0.0232
We provide investment recommendation to complement the last-minute expert consensus on LendingClub Corp. Our dynamic recommendation engine harnesses a multidimensional algorithm to analyze the entity's potential to grow using all technical and fundamental data available at the time. To make sure LendingClub Corp is not overpriced, please verify all LendingClub Corp fundamentals, including its net income, cash flow from operations, and the relationship between the revenue and total debt . Given that LendingClub Corp has a number of shares shorted of 2.32 M, we recommend you to check LendingClub Corp market performance and probability of bankruptcy to ensure the company can sustain itself in the current economic cycle given your last-minute risk tolerance and investing horizon.

LendingClub Corp Trading Alerts and Improvement Suggestions

LendingClub Corp is unlikely to experience financial distress in the next 2 years
LendingClub Corp reports about 1.03 B in cash with (1.14 B) of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 9.07, which can makes it an attractive takeover target, given it will continue generating positive cash flow.
Over 84.0% of the company shares are owned by institutional investors
Latest headline from finance.yahoo.com: Virios Therapeutics Announces Publication of International Patent for IMC-2 Covering Antiviral Treatment of Long-COVID

LendingClub Corp Returns Distribution Density

The distribution of LendingClub Corp's historical returns is an attempt to chart the uncertainty of LendingClub Corp's future price movements. The chart of the probability distribution of LendingClub Corp daily returns describes the distribution of returns around its average expected value. We use LendingClub Corp price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of LendingClub Corp returns is essential to provide solid investment advice for LendingClub Corp.
Mean Return
0.05
Value At Risk
-3.43
Potential Upside
3.64
Standard Deviation
2.41
   Return Density   
       Distribution  
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of LendingClub Corp historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.

LendingClub Stock Institutional Investors

Have you ever been surprised when a price of an equity instrument such as LendingClub Corp is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading LendingClub Corp backward and forwards among themselves. LendingClub Corp's institutional investor refers to the entity that pools money to purchase LendingClub Corp's securities or originates loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
Shares
Morgan Stanley - Brokerage Accounts2023-12-31
1.6 M
Wellington Management Company Llp2023-12-31
1.3 M
Two Sigma Advisers, Llc2023-12-31
1.3 M
Northern Trust Corp2023-12-31
980.6 K
Renaissance Technologies Corp2023-12-31
965.7 K
American Century Companies Inc2023-12-31
894.3 K
No Street Gp Lp2023-09-30
893.6 K
Goldman Sachs Group Inc2023-12-31
883.6 K
Millennium Management Llc2023-12-31
851.9 K
Vanguard Group Inc2023-12-31
11.3 M
Jackson Square Partners, Llc2023-12-31
9.7 M
Note, although LendingClub Corp's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

LendingClub Corp Cash Flow Accounts

201920202021202220232024 (projected)
Change In Cash(156.9M)141.4M135.1M360.9M169.7M161.2M
Free Cash Flow(321.3M)386.9M205.5M306.1M(1.2B)(1.3B)
Depreciation62.2M54.0M44.3M43.8M47.2M32.8M
Other Non Cash Items(231.9M)620.1M66.2M156.8M(1.2B)(1.1B)
Capital Expenditures50.7M31.1M34.4M69.5M59.5M49.5M
Net Income(30.7M)(187.5M)18.6M289.7M38.9M40.9M
End Period Cash Flow487.1M628.5M763.6M1.1B1.3B996.0M
Net Borrowings70.2M(500.1M)(90.5M)(40.9M)(36.8M)(35.0M)
Change To Netincome81.1M303.8M219.1M339.9M305.9M180.5M
Change Receivables6.7M(3.8M)(16.3M)(5.0M)(4.5M)(4.8M)
Investments92.0M869.5M(930.1M)(2.7B)(1.0B)(994.5M)

LendingClub Corp Greeks

Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to LendingClub Corp or Consumer Finance sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that LendingClub Corp's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a LendingClub stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α
Alpha over NYSE Composite
-0.18
β
Beta against NYSE Composite1.76
σ
Overall volatility
2.46
Ir
Information ratio -0.03

LendingClub Corp Volatility Alert

LendingClub Corp currently demonstrates below-average downside deviation. It has Information Ratio of -0.03 and Jensen Alpha of -0.18. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure LendingClub Corp's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact LendingClub Corp's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.

LendingClub Corp Fundamentals Vs Peers

Comparing LendingClub Corp's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze LendingClub Corp's direct or indirect competition across all of the common fundamentals between LendingClub Corp and the related equities. This way, we can detect undervalued stocks with similar characteristics as LendingClub Corp or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of LendingClub Corp's fundamental indicators could also be used in its relative valuation, which is a method of valuing LendingClub Corp by comparing valuation metrics with those of similar companies.
    
 Better Than Average     
    
 Worse Than Average Compare LendingClub Corp to competition
FundamentalsLendingClub CorpPeer Average
Return On Equity0.0322-0.31
Return On Asset0.0044-0.14
Profit Margin0.03 %(1.27) %
Operating Margin0.05 %(5.51) %
Current Valuation(247.4 M)16.62 B
Shares Outstanding110.41 M571.82 M
Shares Owned By Insiders3.36 %10.09 %
Shares Owned By Institutions84.05 %39.21 %
Number Of Shares Shorted2.32 M4.71 M
Price To Earning3.90 X28.72 X
Price To Book0.77 X9.51 X
Price To Sales0.85 X11.42 X
Revenue1.27 B9.43 B
Gross Profit536.37 M27.38 B
EBITDA350.61 M3.9 B
Net Income38.94 M570.98 M
Cash And Equivalents1.03 B2.7 B
Cash Per Share9.07 X5.01 X
Total Debt57.22 M5.32 B
Debt To Equity0.11 %48.70 %
Book Value Per Share11.34 X1.93 K
Cash Flow From Operations(1.14 B)971.22 M
Short Ratio2.08 X4.00 X
Earnings Per Share0.35 X3.12 X
Price To Earnings To Growth(18.14) X4.89 X
Target Price10.31
Number Of Employees1.02 K18.84 K
Beta1.98-0.15
Market Capitalization964.44 M19.03 B
Total Asset8.83 B29.47 B
Retained Earnings(388.81 M)9.33 B
Z Score10.338.72
Net Asset8.83 B
Note: Acquisition by Fergal Stack of 5645 shares of LendingClub Corp subject to Rule 16b-3 [view details]

LendingClub Corp Market Momentum

Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as LendingClub . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.

About LendingClub Corp Buy or Sell Advice

When is the right time to buy or sell LendingClub Corp? Buying financial instruments such as LendingClub Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.
 2021 2022 2023 2024 (projected)
Short and Long Term Debt Total430.0M143.4M57.2M54.4M
Total Assets4.9B8.0B8.8B9.3B

Use Investing Ideas to Build Portfolios

In addition to having LendingClub Corp in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.

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Trading
Trading Theme
Fama and French investing themes focus on testing asset pricing under different economic assumptions. The Trading theme has 61 constituents at this time.
You can either use a buy-and-hold strategy to lock in the entire theme or actively trade it to take advantage of the short-term price volatility of individual constituents. Macroaxis can help you discover thousands of investment opportunities in different asset classes. In addition, you can partner with us for reliable portfolio optimization as you plan to utilize Trading Theme or any other thematic opportunities.
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When determining whether LendingClub Corp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of LendingClub Corp's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Lendingclub Corp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Lendingclub Corp Stock:
Check out LendingClub Corp Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool.
For information on how to trade LendingClub Stock refer to our How to Trade LendingClub Stock guide.
Note that the LendingClub Corp information on this page should be used as a complementary analysis to other LendingClub Corp's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Economic Indicators module to top statistical indicators that provide insights into how an economy is performing.

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When running LendingClub Corp's price analysis, check to measure LendingClub Corp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy LendingClub Corp is operating at the current time. Most of LendingClub Corp's value examination focuses on studying past and present price action to predict the probability of LendingClub Corp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move LendingClub Corp's price. Additionally, you may evaluate how the addition of LendingClub Corp to your portfolios can decrease your overall portfolio volatility.
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Is LendingClub Corp's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of LendingClub Corp. If investors know LendingClub will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about LendingClub Corp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.60)
Earnings Share
0.35
Revenue Per Share
10.468
Quarterly Revenue Growth
(0.13)
Return On Assets
0.0044
The market value of LendingClub Corp is measured differently than its book value, which is the value of LendingClub that is recorded on the company's balance sheet. Investors also form their own opinion of LendingClub Corp's value that differs from its market value or its book value, called intrinsic value, which is LendingClub Corp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because LendingClub Corp's market value can be influenced by many factors that don't directly affect LendingClub Corp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between LendingClub Corp's value and its price as these two are different measures arrived at by different means. Investors typically determine if LendingClub Corp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, LendingClub Corp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.