Fundamental Analysis of LendingClub Corp - Growth / Value Index
LC - Valuation Highlights
Valuation Analysis
Undervalued - Price to Intrinsic Value of 0.161
Price to Book Ratio is 0.384 indicating that it is undervalued.
Book Value in last 3 years is trending up
Valuation Key Ratios
| Ratio | TTM | Latest FY | Yoy Change | MRQ |
|---|---|---|---|---|
| Price to Earning | 27.76 | 20.03 | 464.94 % | |
| Price to Book | 0.394 | 0.838 | -5.00 % | 0.121 |
| Price to Sales | 1.03 | 1.13 | 30.89 % | |
| Enterprise Value to EBITDA Multiple | -0.634 | -0.543 | -247.68 % |
LC - Profitability Highlights
Profitability Analysis
Piotroski F Score - Stable Value of 4.0
EBITDA is continuously increasing for last 3 Years
Steady Growth in EPS for last four quarters
Very Low Dividend Yield of 0 %
Low Earning Yield of 3.70 %
In the last three years, the company has given poor Returns on Assets
Profitability Key Ratios
| Ratio | TTM | Latest FY | Yoy Change | MRQ |
|---|---|---|---|---|
| Return On Equity | 3.06 | 4.18 | -83.18 % | 0.967 |
| Return On Asset | 0.430 | 0.593 | -83.66 % | 0.133 |
| Net Profit Margin | 3.72 | 5.65 | -76.83 % | 3.95 |
| Operating Profit Margin | 12.71 | 32.75 | 154.06 % | 15.80 |
| EBITDA Margin | 27.11 | 35.82 | 52.22 % | 19.89 |
Highlights
| Market Cap | 1055.64 M |
| Enterprise Value | -173588.00 K |
| Price/Book TTM | 0.394 |
| Outstanding Share | 111120 K |
| Float/ Outstanding Share | 96.86% |
| Dividend Yield | 0 % |
Share Holding
Guru Numbers
| Price/Graham No | 1.02 |
| Peter Lynch Ratio | -2.96 |
| Piotroski F Score | 4.00 |
| Altman Z Score | 0.233 |
| Sloan Ratio | 0.0386 |
| Peter Lynch Fair Value | 0 |
LC - Growth Highlights
Growth Analysis
Steady increase in Total Assets for last 3 Years
Operating Cash Flow decreasing for last 3 year
Growth Key Fields
| Field | TTM | YoY Growth | QoQ Growth |
|---|---|---|---|
| Revenue | 1009.55 M | 21.96 % | 58.10 % |
| Gross Profit | 874657 K | 19.41 % | 6.54 % |
| EBITDA | 273677 K | 18.79 % | 37.72 % |
| Net Profit | 37523.00 K | 81.92 % | 20.63 % |
| EPS | 0.342 | 82.30 % | NA |
LC - Stability Highlights
Stability Analysis
Paid More Than 50% of Debt, Heading towards debt free
Debt to equity ratio has decreased and is lowest in last five years
Cash ratio of 22.11
Altman Z Score of 0.231 suggest high risk
Company is unable to generate enough free cash to support the business.
Stability Key Ratios
| Ratio | Latest FY | Yoy Change | MRQ |
|---|---|---|---|
| Debt to Equity Ratio | 0.0186 | -83.71 % | 0.412 |
| Cash Ratio | 22.11 | -95.87 % | |
| Quick Ratio | 0 | 0 % | 22.72 |
| Shareholders Equity | 14.18 | -2.81 % | |
| Debt to EBITDA | 0.070 | -85.26 % |
Historical Valuation Ratios of LendingClub Corp
Historical Valuation Ratios
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Historical Profitability Ratios of LendingClub Corp
Historical Profitability Ratios
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Historical Efficiency Ratios of LendingClub Corp
Historical Efficiency Ratios
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Historical Solvency Ratios of LendingClub Corp
Historical Solvency Ratios
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Note : All Data Generated at the End of Trading Hours (EOD Data)