NYSE: LC - LendingClub Corporation

Yield per half year: -22.98%
Dividend yield: 0.00%
Sector: Financials

Reporting LendingClub Corporation

Capitalization

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM 5 year average CAGR 5
Капитализация, млрд $
9.49 4.31 2.13 1.73 1.14 0.9717 1.9 1.02 0.8514 0.7293 1.18 -5.67
Выручка, млрд $
0.426 0.488 0.5954 0.6552 0.2435 0.0162 1.17 0.8646 0.253 0.253 0.5095 0.77
Чистая прибыль, млрд $
-0.146 -0.154 -0.1283 -0.0307 -0.1875 0.0186 0.2897 0.0389 0.0513 0.0513 0.0422 -177.17
EV, млрд $
8.11 4.74 3.36 2.65 1.1 2.18 -0.0119 -0.2559 1.84 1.84 0.9704 10.84
EBIT, млрд $
-0.1203 -0.107 0.2573 0.2156 -0.0461 0.0597 -0.8677 0.0599 0.0423 0.0423 -0.1504 -198.29
EBITDA, млрд $
-0.1203 0.4644 0.3121 0.2748 0.0079 0.104 0.2184 0.107 0.1011 0.1011 0.1077 66.50
Баланс стоимость, млрд $
-0.2342 -0.3894 0.8692 0.9002 0.7242 0.8502 1.16 1.25 1.34 1.34 1.06 13.10
FCF, млрд $
-0.051 -0.635 -0.6919 -0.3213 0.3869 0.2055 0.3061 -1.2 -2.69 -2.69 -0.5983 -247.38
Операционный денежный поток, млрд $
0.000545 -0.5908 -0.639 -0.2706 0.418 0.2399 0.3756 -1.14 -2.63 -2.63 -0.5473 -244.46
Операционная прибыль, млрд $
-0.1502 -0.1534 -0.1281 0.2156 -0.0461 0.0597 0.153 0.0592 -0.1274 -0.1274 0.0197 22.54
Операционные расходы, млрд $
1.34 1.33 1.31 1.18 0.5023 0.5023 0.7145 0.2208 0.1004 0.1004 0.4081 -27.53
CAPEX, млрд $
0.052 0.045 0.053 0.0507 0.0311 0.0344 0.0695 0.0595 0.0543 0.0543 0.0498 11.79


Balance sheet

IFRS
Reporting Annual Quarterly
2011 2012 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM 5 year average CAGR 5
Наличность, млрд $
0.5165 0.4017 0.373 0.2438 0.525 0.6871 1.06 1.25 0.0155 0.0155 0.7075 -50.57
Short Term Investments $
0.2871 0.1176 0.1705 0.2709 0.1422 0.2635 0.3457 1.62 3.45 3.45 1.16 89.23
Long term investments $
2.8 0.2975 4.32 3.17 2.89 2.07 0.9008 0.2635 0.3457 1.66 1.05 -4.32
Total Receivables $
0.0577 0.1119 0.0422 0.0129 0.0052 0.1492 0.0309 0.1468 0.1046 0.1046 0.0873 82.27
Total Current Assets $
0.8604 0.6312 0.5657 0.5276 0.6724 0.9507 1.4 3.02 3.47 3.47 1.90 38.85
Чистые активы, млрд $
1.04 0.9758 0.9225 0.5657 0.5276 0.6724 4.26 0.1365 0.4028 0.1365 1.20 -5.25
Активы, млрд $
5.56 4.64 3.82 2.98 1.86 4.9 7.98 8.83 10.63 10.63 6.84 41.71
Short Term Debt $
0.000533 0.0021 0.0321 0.4588 0.5875 0.105 0.0278 0.0026 0.0039 0.0039 0.1454 -63.32
Long Term Debt $
4.57 4.32 2.95 1.91 1.08 0.6368 0.0155 0.1303 0.0194 0.0194 0.3764 -55.24
Задолженность, млрд $
4.59 3.71 2.95 2.08 1.14 4.05 6.82 7.58 9.29 9.29 5.78 52.13
Чистый долг, млрд $
3.8 2.59 2.25 1.58 0.4641 -0.3487 -0.9136 -1.2 -0.0155 -0.0155 -0.4027 -150.67
Долг, млрд $
4.32 3.3 2.62 1.82 0.9891 0.3384 0.1434 0.0572 0.0285 0.0285 0.3113 -50.81
Interest income $
0.6967 0.6113 0.4875 0.3453 0.2097 0.2928 0.5573 0.8326 0.4475 19.25
Расходы на обслуживание долга $
0.6884 0.5714 0.3856 0.2466 0.1415 0.08 0.0825 0.2708 0.3739 0.3739 0.1897 21.45
Чист. проц. доходы, млрд $
0.0083 0.6113 0.4875 0.3453 0.2097 0.2928 0.5573 0.8326 0.8326 0.4475 19.25
Goodwill $
0.0726 0.0727 0.0356 0.0356 0.0757 0.0757 0.0757 0.0757 0.0677 16.29
Амортизация, млрд $
0.0000 0.0001 0.0548 0.0592 0.054 0.0443 1.09 0.0472 0.0533 0.0533 0.2578 -0.26
Себестоимость, млрд $
0.6884 0.5714 0.3856 0.1573 0.0483 0.0507 0.1043 0.8554 0.28 0.28 0.2677 42.12
Товарно материальные запасы $
0.009 0.2358 0.02 0.5655 0.6285 0.6144 1.09 0.5837 122.47


Share

IFRS
Reporting Annual Quarterly
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM 5 year average CAGR 5
EPS -1.9 -1.88 -1.52 -0.3516 -2.41 0.1819 2.79 0.359 0.4538 0.4538 0.2749 -171.61
Цена акции ао 26.25 20.65 13.15 12.62 10.56 9.61 8.74 16.19 11.44 11.44 11.31 1.61
Число акций ао, млн 78 81 84 87 77 102 104 108.47 113.12 113.12 100.92 8.00
FCF/акцию -0.6577 -7.75 -8.18 -3.68 4.96 2.01 2.94 -11.03 -23.77 -23.77 -4.9780 -236.81


Efficiency

IFRS
Reporting Annual Quarterly
2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
ROE, % -14.47 -16.21 -14.32 -3.47 -23.09 2.36 28.76 3.22 3.96 3.96 22.64 3.04 -170.28
ROA, % -2.57 -3.02 -3.03 -0.9024 -7.74 0.5494 4.5 0.4634 0.5276 0.5276 3.91 -0.3399 -158.44
ROIC, % -0.87 -0.09 -2.76 -3.97 -4.62 -1.55 -13.78 -12.94 8.01 -7.3720 26.66
ROS, % 85.76 43.22 32.91 -18.94 12.27 24.83 4.5 20.29 20.29 20.29 22.37 16.44 10.58
ROCE, % -11.54 7.5 9.08 -2.64 1.25 -11.01 0.6851 0.4017 3.15 3.15 17.52 -1.1046 20.30
Ebit margin, % 4.24 -242.28 -92.21 -74.38 6.92 16.72 16.72 16.72 -25.2460 -171.07
Рентаб EBITDA, % 95.24 52.42 41.94 3.25 641.54 18.72 12.38 39.98 39.98 39.98 34.55 150.52 -42.60
Чистая рентаб, % -34.26 -31.55 -21.55 -4.68 -77.01 114.59 24.83 4.5 20.29 20.29 22.25 17.44 -176.59
Operation Margin, % -31.46 -21.52 -4.71 -77.05 -23.38 13.12 6.85 -50.37 -50.37 -50.37 34.64 -20.8300 16.59
Чистая процентная маржа, % 9.05 -19.03 -1.36 -34.26 -31.55 -21.55 -4.69 -84.13 2.32 10.82 25.36 -27.9200 -159.33
Доходность FCF, % 1.58 0.3726 -1.19 -29.52 -224.68 -43.62 65.12 8.65 20.52 -140.49 -17.9640 26.35


Coefficients

IFRS
Reporting Annual Quarterly
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
P/E
-29.39 -13.96 -10.87 -43.55 -5.97 136.23 3.11 24.12 36.16 36.16 22.83 38.73 -243.37
P/BV
2.1 1.7 1.28 1.19 0.8782 2.98 0.7745 0.7504 1.38 1.38 5.54 1.35 9.46
P/S
4.7 3.6 1.88 1.63 2.61 156.11 0.773 1.09 7.34 7.34 5.04 33.58 22.97
P/FCF
-3.45 -2.02 -4.17 2.9 12.36 4.87 2.38 -0.6097 -0.2713 -0.2713 7.52 3.75 -146.59
E/P
-0.3347 -0.4162 -0.0417 -0.3156 0.0078 0.1942 0.0457 0.0534 0.0704 0.0704 1.16 0.0743 55.27
EV/EBIT
85.25 -1.92 -2.99 0.0137 -4.28 43.53 43.53 43.53 15.96 -270.85
EV/EBITDA
-54.77 10.13 10.78 9.63 138.99 20.98 -0.0546 -2.39 18.2 18.2 33.78 35.15 -33.41
EV/S
6.24 3.86 2.95 2.66 2.9 -0.0102 -0.296 7.28 7.28 7.28 5.71 3.43 20.21
EV/FCF
-4.93 -3.32 -6.73 2.1 11.32 -0.0389 0.214 -0.6847 -0.6847 -0.6847 9.92 2.03 -157.06
Debt/EBITDA
7.36 8.4 6.63 124.97 3.25 0.6566 0.5346 0.2818 0.2818 0.2818 -1.68 1.00 -38.68
Netdebt/Ebitda
-24.11 -27.15 50.43 -1.62 -2.04 -4.18 -11.17 -0.1535 -0.1535 -0.1535 -9.45 -3.5394 -40.39
Debt/Ratio
0.8 0.77 0.7 0.61 0.83 0.018 0.0065 0.0027 0.0027 0.0027 0.19 0.1720 -68.20
Debt/Equity
4 3.39 2.31 1.57 4.76 0.1232 0.0457 0.0212 6.92 6.92 9.01 2.37 7.77
Debt/Net Income
-19.42 -18.43 -54.28 -3.96 34.34 0.4951 1.47 0.5553 0.5553 0.5553 19.58 7.48 -56.17
PEG
-1143.69 -1143.69 -1143.6900 0.00
Бета
1.64 2.09 1.99 4.02 4.67 3.1 3.1 0.74 3.17 8.20
Индекс Альтмана
0.67 0.53 1.49 0.04 2.32 1.11 0.3557 0.1946 -5.2 -5.2 5.29 -0.2439 -217.52


Dividends

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 LTM Industry average 5 year average CAGR 5
Див.выплата, млрд
7.2E-5 0.000318 0.0502 0.0502 0.0502 0.0302 270.40
Дивиденд
0
Див доход, ао, %
0 0 0 0 0 0 0 0 0 0 2.32
Дивиденды / прибыль, %
-1861.07 -0.0468 -0.2478 -163.29 0 0 0 0 39.26 -506.1637 -45.57


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Other

IFRS
Reporting Annual
2021 2022 2023 2024 CAGR 5
Персонал, чел
1192 1384 1585 1025 -3.70