Added to YB: 2025-12-05
Pitch date: 2025-12-03
LC [neutral]
LendingClub Corporation
+3.63%
current return
Author Info
Company Info
LendingClub Corporation, operates as a bank holding company, that provides range of financial products and services in the United States.
Market Cap
$2.1B
Pitch Price
$19.00
Price Target
N/A
Dividend
N/A
EV/EBITDA
4.10
P/E
12.05
EV/Sales
0.94
Sector
Consumer Finance
Category
growth
Take-aways From LendingClub's 2025 Analyst Day
LC (update): Marketplace bank targeting 'motivated middle' ($50K-$200K income, 719 FICO) with 700bp lower rates vs credit cards. Superior ML underwriting delivers 40% lower delinquencies, 2.4x more approvals at same risk. Engagement products drive 6.5x LTV for repeat borrowers. 9.5% net asset yield, tangible book grew 14% CAGR since 2021 bank charter. Moving to fair value accounting Q1 2026, $100M buyback announced.
Read full article (5 min)