LendingClub Corp. (LC)
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
$19.210.00%
Close 2026-07-22 · 1-day change
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
Intact: The reason to own it still holds.
LendingClub is growing earnings with a target EPS of $1.65 to $1.80 in 2026. The company is transforming into a digital bank, which supports loan originations near $3 billion in Q2 2026. Profit margins remain stable with a price-to-earnings ratio near 13. The stock trades close to analyst revenue growth expectations of about 15%.
LendingClub faces risks from regulatory changes and execution challenges in its digital banking shift. Earnings growth could stall below the $1.65 EPS floor. Loan originations might miss the $3 billion quarterly target, hurting growth. Profit margins and cash flow remain fragile, increasing risk.
The current price reflects roughly 15% revenue growth and EPS near $1.75 for 2026. Our view aligns with these expectations but sees risk if earnings or loan growth fall short.
Breaks if: Diluted EPS falls below $1.65 in FY26
Breaks if: Loan originations fall below $3.0 billion in Q2 2026
Breaks if: PE ratio falls significantly below 11 or margins compress materially
This is not a price target or investment advice.
A long-form read on the 1–3 year hold thesis. It updates when the weekly evidence changes.
This investment represents a durable compounder with a stable management team. The current thesis state is intact, supported by strong recent financial performance and ongoing management priorities.
The market seems to have priced in a low level of execution quality, indicating a justified valuation. There is an expectations gap suggesting that the stock is viewed as cheap compared to peers.
Management is on track to meet its earnings per share and loan origination targets, which supports a positive fundamental trajectory. However, there is a medium confidence level due to a recent history of earnings surprises trending down.
The long-term thesis hinges on the performance of sector bellwethers like Visa, Mastercard, and American Express. If these companies continue to perform well, it could provide a favorable environment for LC.
The most important moves since the prior daily snapshot.
Our read on the company is unchanged since the prior snapshot.
as of 2026-09-04
Review the evidence to watch, what would become a concern, and what would make it less concerning.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Overall, LC's fundamentals are strong, but external factors could impact its performance. Not investment advice.