LendingClub Corporation Common Stock (LC)

FairStock Score: 70/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at LendingClub as a digital-first bank holding company, not a wide-moat franchise. It gathers deposits and makes consumer, auto-refinance, patient/education and small-business loans, so the key risks are underwriting and funding. The supplied figures show a profitable operation: in the quarter labeled fiscal Q2 2026, revenue was $262.9M and net income was $58.1M, a 22.12% net margin. FairStock's calculations put ROE at 12.16%, P/B at 1.48 and P/E at 13.05 based on the 2026-08-14 close. That is a fair-to-slightly-cheap price for a bank earning low-teens returns on equity, provided the returns are durable. The D/E of 0.01 looks conservative on the supplied number, but banks are leveraged through deposits and wholesale funding; I cannot fully judge leverage or credit because CET1, NIM and combined ratio are not in the data. The supplied growth figures—revenue growth 5.80% and profit growth 52.31%—have no clearly identified period in the data, and the gap suggests the profit jump may come from margins, credit or one-offs rather than broad expansion. Piotroski at 4/9 and a FairStock score of 70/100 point to average financial strength. The Lynch category is none because there are only 0 years of filed results versus the 3 needed. A beta of 1.97 also warns that the market treats this as volatile. At 1.48 times book, I want evidence that credit costs are stable and 12% ROE is sustainable. Without that, this is a reasonably priced lender, not a fat pitch.

In plain English: LendingClub is a bank holding company that takes deposits and makes consumer, auto refinance, patient/education and small business loans. It is profitable: in the quarter labeled fiscal Q2 2026, revenue was $262.9 million and net income was $58.1 million, a margin of 22.12%. At $19.57, the stock is priced at about 13 times yearly profit and 1.5 times net worth, which looks roughly fair for a profitable lender, though the limited filing history and bank credit risk keep it from looking clearly cheap.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-08-14 close · note generated 2026-10-15 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer