LendingClub Corporation
LCFinancial ServicesNASDAQBanks - Regional · Last scanned May 29, 2026
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Daily timeframeLendingClub Corporation, operates as a bank holding company, that provides range of financial products and services in the United States. Valued at $1.96B, LC is a small-cap name in its sector. It offers deposit products, including savings accounts, checking accounts, and certificates of deposit; patient and education finance loans; and commercial loans, including small business loans.
Market Cap
$1.96B
Beta
2.01
P/E (TTM)
11.35
P/E (Fwd)
7.41
EPS (TTM)
$1.50
EPS (Fwd)
$2.30
ROE
12.2%
ROA
1.3%
Cash
$801.9M
Total Debt
$12.5M
Free CF
$285.4M
52W Change
69.8%
Annual Financials
Cash vs Debt
LendingClub Corporation holds $801.9M in cash against $12.5M in total debt, giving it a net cash position. This means the company could theoretically pay off all its debt and still have cash remaining. The company generates $285.4M in free cash flow annually, which funds everything from R&D to shareholder returns without needing external financing. ROE of 12.2% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.3% is on the lower side, which is common in asset-heavy industries. Revenue has pulled back from $1.19B (2022) to $998.8M (2025), a 16% decline worth watching.
LendingClub Corporation's elevated beta suggests the stock experiences more pronounced price movements than the overall market, which increases both upside potential and downside risk. With cash comfortably exceeding debt, LC has financial flexibility that may help navigate uncertain periods. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence LendingClub Corporation's trajectory.