LendingClub Stock: A Deep Dive Into Analyst Perspectives (6 Ratings)
In the latest quarter, 6 analysts provided ratings for LendingClub (NYSE:LC), showcasing a mix of bullish and bearish perspectives.
Summarizing their recent assessments, the table below illustrates the evolving sentiments in the past 30 days and compares them to the preceding months.
| Bullish | Somewhat Bullish | Indifferent | Somewhat Bearish | Bearish | |
|---|---|---|---|---|---|
| Total Ratings | 2 | 3 | 1 | 0 | 0 |
| Last 30D | 1 | 0 | 0 | 0 | 0 |
| 1M Ago | 0 | 0 | 0 | 0 | 0 |
| 2M Ago | 0 | 1 | 0 | 0 | 0 |
| 3M Ago | 1 | 2 | 1 | 0 | 0 |
In the assessment of 12-month price targets, analysts unveil insights for LendingClub, presenting an average target of $23.67, a high estimate of $26.00, and a low estimate of $20.00. This upward trend is apparent, with the current average reflecting a 14.9% increase from the previous average price target of $20.60.
Deciphering Analyst Ratings: An In-Depth Analysis
A clear picture of LendingClub's perception among financial experts is painted with a thorough analysis of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
| Analyst | Analyst Firm | Action Taken | Rating | Current Price Target | Prior Price Target |
|---|---|---|---|---|---|
| Vincent Caintic | BTIG | Maintains | Buy | $26.00 | $26.00 |
| Reginald Smith | JP Morgan | Raises | Overweight | $25.00 | $22.00 |
| David M. Scharf | Citizens | Announces | Market Outperform | $23.00 | - |
| Timothy Switzer | Keefe, Bruyette & Woods | Raises | Outperform | $22.00 | $20.00 |
| John Rowan | Janney Montgomery Scott | Raises | Neutral | $20.00 | $17.00 |
| Vincent Caintic | BTIG | Maintains | Buy | $26.00 | $18.00 |
Key Insights:
- Action Taken: Analysts respond to changes in market conditions and company performance, frequently updating their recommendations. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to LendingClub. This information offers a snapshot of how analysts perceive the current state of the company.
- Rating: Gaining insights, analysts provide qualitative assessments, ranging from 'Outperform' to 'Underperform'. These ratings reflect expectations for the relative performance of LendingClub compared to the broader market.
- Price Targets: Analysts explore the dynamics of price targets, providing estimates for the future value of LendingClub's stock. This examination reveals shifts in analysts' expectations over time.
Understanding these analyst evaluations alongside key financial indicators can offer valuable insights into LendingClub's market standing. Stay informed and make well-considered decisions with our Ratings Table.
Stay up to date on LendingClub analyst ratings.
Get to Know LendingClub Better
LendingClub Corp is a company engaged in operating an online lending marketplace platform that connects borrowers and investors for the provision of the loan facility. It offers investors access to an asset class that has generally been closed to many investors and only available on a limited basis to institutional investors. The company through the platform offers loan products such as personal, education and patient finance, small business, and auto to interested investors. It generates a majority of the revenue from the transaction fees received from the platform's role in accepting and decisioning applications on behalf of the bank partners to enable loan originations.
Understanding the Numbers: LendingClub's Finances
Market Capitalization Analysis: The company's market capitalization is below the industry average, suggesting that it is relatively smaller compared to peers. This could be due to various factors, including perceived growth potential or operational scale.
Positive Revenue Trend: Examining LendingClub's financials over 3M reveals a positive narrative. The company achieved a noteworthy revenue growth rate of 31.88% as of 30 September, 2025, showcasing a substantial increase in top-line earnings. When compared to others in the Financials sector, the company excelled with a growth rate higher than the average among peers.
Net Margin: LendingClub's net margin surpasses industry standards, highlighting the company's exceptional financial performance. With an impressive 16.63% net margin, the company effectively manages costs and achieves strong profitability.
Return on Equity (ROE): LendingClub's ROE is below industry averages, indicating potential challenges in efficiently utilizing equity capital. With an ROE of 3.09%, the company may face hurdles in achieving optimal financial returns.
Return on Assets (ROA): LendingClub's ROA lags behind industry averages, suggesting challenges in maximizing returns from its assets. With an ROA of 0.41%, the company may face hurdles in achieving optimal financial performance.
Debt Management: LendingClub's debt-to-equity ratio is below the industry average at 0.01, reflecting a lower dependency on debt financing and a more conservative financial approach.
Understanding the Relevance of Analyst Ratings
Analysts work in banking and financial systems and typically specialize in reporting for stocks or defined sectors. Analysts may attend company conference calls and meetings, research company financial statements, and communicate with insiders to publish "analyst ratings" for stocks. Analysts typically rate each stock once per quarter.
Some analysts also offer predictions for helpful metrics such as earnings, revenue, and growth estimates to provide further guidance as to what to do with certain tickers. It is important to keep in mind that while stock and sector analysts are specialists, they are also human and can only forecast their beliefs to traders.
This article was generated by Benzinga's automated content engine and reviewed by an editor.