Ultime notizie per LendingClub (NYSE:LC) Azioni

LendingClub

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.

LendingClub Corp

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Throughout the last three months, 8 analysts have evaluated LendingClub (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/LC#NYSE">LC</a>), offering a diverse set of opinions from bullish to bearish.
The table below provides a concise overview of recent ratings by analysts, offering insights into the changing sentiments over the past 30 days and drawing comparisons with the preceding months for a holistic perspective.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">2</td>
<td align="right">5</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">2</td>
<td align="right">3</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
Analysts have recently evaluated LendingClub and provided 12-month price targets. The average target is $17.38, accompanied by a high estimate of $20.00 and a low estimate of $15.00. This current average has increased by 22.48% from the previous average price target of $14.19. 
<img src="https://www.benzinga.com/files/images/story/2025/1735909217_0.png" alt="price target chart" />
<h2>Decoding Analyst Ratings: A Detailed Look</h2>
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.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Brad Capuzzi</td>
<td>Piper Sandler</td>
<td>Raises</td>
<td>Overweight</td>
<td>$20.00</td>
<td>$15.00</td>
</tr>
<tr>
<td>Timothy Switzer</td>
<td>Keefe, Bruyette &amp; Woods</td>
<td>Raises</td>
<td>Outperform</td>
<td>$17.00</td>
<td>$15.00</td>
</tr>
<tr>
<td>Reginald Smith</td>
<td>JP Morgan</td>
<td>Raises</td>
<td>Neutral</td>
<td>$17.00</td>
<td>$14.00</td>
</tr>
<tr>
<td>Michael Diana</td>
<td>Maxim Group</td>
<td>Raises</td>
<td>Buy</td>
<td>$19.00</td>
<td>$16.00</td>
</tr>
<tr>
<td>Giuliano Bologna</td>
<td>Compass Point</td>
<td>Raises</td>
<td>Buy</td>
<td>$19.00</td>
<td>$15.00</td>
</tr>
<tr>
<td>Brad Capuzzi</td>
<td>Piper Sandler</td>
<td>Raises</td>
<td>Overweight</td>
<td>$15.00</td>
<td>$13.00</td>
</tr>
<tr>
<td>David Chiaverini</td>
<td>Wedbush</td>
<td>Raises</td>
<td>Outperform</td>
<td>$17.00</td>
<td>$14.00</td>
</tr>
<tr>
<td>Timothy Switzer</td>
<td>Keefe, Bruyette &amp; Woods</td>
<td>Raises</td>
<td>Outperform</td>
<td>$15.00</td>
<td>$11.50</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Analysts adapt their recommendations to changing market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their response to recent developments related to LendingClub. This information provides a snapshot of how analysts perceive the current state of the company.</li>
<li>Rating: Analysts assign qualitative assessments to stocks, ranging from 'Outperform' to 'Underperform'. These ratings convey the analysts' expectations for the relative performance of LendingClub compared to the broader market.</li>
<li>Price Targets: Gaining insights, analysts provide estimates for the future value of LendingClub's stock. This comparison reveals trends in analysts' expectations over time.</li>
</ul>
Navigating through these analyst evaluations alongside other financial indicators can contribute to a holistic understanding of LendingClub's market standing. Stay informed and make data-driven decisions with our Ratings Table.
<a href="https://www.benzinga.com/quote/LC/analyst-ratings?utm_source=Benzinga Insights">Stay up to date on LendingClub analyst ratings.</a>
If you are interested in following small-cap stock news and performance <a href="https://www.benzinga.com/news/small-cap">you can start by tracking it here</a>.
<h2>Unveiling the Story Behind LendingClub</h2>
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.
<h3>Breaking Down LendingClub's Financial Performance</h3>
Market Capitalization Analysis: Positioned below industry benchmarks, the company's market capitalization faces constraints in size. This could be influenced by factors such as growth expectations or operational capacity.
Revenue Growth: LendingClub displayed positive results in 3 months. As of 30 September, 2024, the company achieved a solid revenue growth rate of approximately 0.51%. This indicates a notable increase in the company's top-line earnings. When compared to others in the Financials sector, the company faces challenges, achieving a growth rate lower than the average among peers.
Net Margin: LendingClub's net margin lags behind industry averages, suggesting challenges in maintaining strong profitability. With a net margin of 7.16%, the company may face hurdles in effective cost management.
Return on Equity (ROE): LendingClub's ROE falls below industry averages, indicating challenges in efficiently using equity capital. With an ROE of 1.1%, the company may face hurdles in generating optimal returns for shareholders.
Return on Assets (ROA): LendingClub's ROA is below industry standards, pointing towards difficulties in efficiently utilizing assets. With an ROA of 0.14%, the company may encounter challenges in delivering satisfactory returns from its assets.
Debt Management: LendingClub's debt-to-equity ratio is below the industry average at 0.02, reflecting a lower dependency on debt financing and a more conservative financial approach.
<h2>What Are Analyst Ratings?</h2>
Analysts are specialists within banking and financial systems that typically report for specific stocks or within defined sectors. These people research company financial statements, sit in conference calls and meetings, and speak with relevant insiders to determine what are known as analyst ratings for stocks. Typically, analysts will rate each stock once a quarter. 
Analysts may enhance their evaluations by incorporating forecasts for metrics like growth estimates, earnings, and revenue, delivering additional guidance to investors. It is vital to acknowledge that, although experts in stocks and sectors, analysts are human and express their opinions when providing insights.
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This article was generated by Benzinga's automated content engine and reviewed by an editor.

Analyst Ratings

Analyst Expectations For LendingClub's Future

Piper Sandler analyst Brad Capuzzi maintains LendingClub (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/LC#NYSE">LC</a>) with a Overweight and raises the price target from $15 to $20.

News

Price Target

Piper Sandler Maintains Overweight on LendingClub, Raises Price Target to $20

Looking into the current session, LendingClub Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/LC#NYSE">LC</a>) shares are trading at $16.15, after a 1.88% decrease. Over the past month, the stock decreased by 1.16%, but over the past year, it actually increased by 81.26%. With questionable short-term performance like this, and great long-term performance, long-term shareholders might want to start looking into the company's price-to-earnings ratio. 

<img src="https://www.benzinga.com/files/images/story/2024/1734982208_0.png" alt="Past Year Chart" />

<h3>Comparing LendingClub P/E Against Its Peers</h3>
The P/E ratio is used by long-term shareholders to assess the company's market performance against aggregate market data, historical earnings, and the industry at large. A lower P/E could indicate that shareholders do not expect the stock to perform better in the future or it could mean that the company is undervalued. 
LendingClub has a better P/E ratio of 35.78 than the aggregate P/E ratio of 34.53 of the Consumer Finance industry. Ideally, one might believe that LendingClub Inc. might perform better in the future than it's industry group, but it's probable that the stock is overvalued. 

<img src="https://www.benzinga.com/files/images/story/2024/1734982208_1.png" alt="Guage" />

In conclusion, the price-to-earnings ratio is a useful metric for analyzing a company's market performance, but it has its limitations. While a lower P/E can indicate that a company is undervalued, it can also suggest that shareholders do not expect future growth. Additionally, the P/E ratio should not be used in isolation, as other factors such as industry trends and business cycles can also impact a company's stock price. Therefore, investors should use the P/E ratio in conjunction with other financial metrics and qualitative analysis to make informed investment decisions.

Intraday Update

Markets

Price Over Earnings Overview: LendingClub

Keefe, Bruyette &amp; Woods analyst Timothy Switzer maintains LendingClub (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/LC#NYSE">LC</a>) with a Outperform and raises the price target from $15 to $17.

Keefe, Bruyette & Woods Maintains Outperform on LendingClub, Raises Price Target to $17

JP Morgan analyst Reginald L. Smith noted that 2024 was a tale of two halves for <a target="_blank" href="https://www.benzinga.com/fintech" rel="noreferrer noopener">fintech stocks</a>. After a lagging start to the year, the aggregate market cap of the analyst&#8217;s fintech coverage universe has increased more than $65 billion since mid-September, fueled by cheerful calendar third-quarter 2024 results and management commentary, two rate cuts, and the U.S. Presidential Election.&nbsp;&nbsp;
In fiscal 2025, lower benchmark rates and an improved third-party funding environment should spur increased loan origination volume and healthier gain-on-sale (GOS) margins for fintech lenders.
However, Smith remains cautious about fintech lenders at current levels and noted investors will find a more attractive entry point following the calendar fourth-quarter earnings cycle.
Also Read: <a target="_blank" href="https://www.benzinga.com/24/11/42220386/crowdstrike-sees-strong-module-adoption-valuation-concerns-persist-analysts" rel="noreferrer noopener">CrowdStrike Sees Strong Module Adoption, Valuation Concerns Persist: Analysts</a>
Smith downgraded Upstart Holdings Inc (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/UPST#NASDAQ">UPST</a>) from Neutral to Underweight and raised the <a target="_blank" href="https://www.benzinga.com/quote/UPST/analyst-ratings" rel="noreferrer noopener">price target from&nbsp;$45&nbsp;to&nbsp;$57</a>.
Upstart Holdings benefits from a powerful flywheel effect that creates a virtuous cycle whereby more excellent repayment data leads to improved risk and fraud detection, which leads to higher approval rates and increased volume.
Smith noted the potential of Upstart Holdings&#8217; AI lending platform, especially in light of an improving consumer credit and loan funding environment, and is encouraged by the company&#8217;s increasingly durable capital base, but continues to struggle with valuation and noted shares are pricing in a snap-back to fiscal 2022-level of originations, which is at least a few quarters away.
The price target boost reflects improving funding conditions and stabilizing credit trends. The price target applies a ~5.5x multiple to Smith&#8217;s calendar year 2026 revenue estimate, a slight premium to its TTM P/S ratio, which he noted as fair given rates remain relatively high, and Upstart&#8217;s own UMI suggests the macro environment is causing default rates to be above 40% above historical levels. 
The rerating reflects Upstart Holdings&#8217; ~$13 billion annualized origination volume the last time the stock traded in the high $70 range. Smith projected a fourth quarter of $180 million and an adjusted EPS of $(0.04).
Smith downgraded LendingClub Corp (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/LC#NYSE">LC</a>) from Overweight to Neutral and raised the <a target="_blank" href="https://www.benzinga.com/quote/LC/analyst-ratings" rel="noreferrer noopener">price target from&nbsp;$14&nbsp;to&nbsp;$17</a>.
Smith noted LendingClub&#8217;s marketplace-bank model, which combines a marketplace&#8217;s fee income with a bank&#8217;s interest income, personal loan market opportunity, and competitive positioning.
Investor concern has shifted from the credit quality of their loan portfolio to the availability of third-party funding and the company&#8217;s ability to grow its balance sheet and improve ROTE.
The rerating reflects the company&#8217;s roadmap, but it could take several quarters to play out, and the analyst prefers names with more visible near-term growth and monetization opportunities. 
The analyst raised the price target to reflect tangible book multiple to 1.4x (from 1.2x) on improving credit trends and demand in the loan funding market, implying a modest discount to the SMID-cap bank average (1.7x), which he noted as fair until LC increases ROTCE (currently low single digits) to the SMID-Cap bank average through balance sheet growth and non-interest income.
Smith projected a fourth quarter of $210 million and an adjusted EPS of $0.10.
Smith maintained SoFi Technologies Inc (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SOFI#NASDAQ">SOFI</a>) with a Neutral and raised the <a target="_blank" href="https://www.benzinga.com/quote/SOFI/analyst-ratings" rel="noreferrer noopener">price target from&nbsp;$9&nbsp;to&nbsp;$16</a>.
Smith flagged SoFi&#8217;s positioning and go-to-market strategy and noted the company would ultimately be a winner in the neo/digital bank space and could eventually become the &#8220;American Express&#8221; of fintech. That said, SoFi&#8217;s accounting methodology, precisely its fair value discount rate assumptions, are meaningfully lower than peers&#8217; and remain a hot button for investors, likely limiting near-term stock upside.
SoFi currently trades at 3.8x tangible book. The price target reflects the promising outlook of non-interest income growth and improving GAAP profitability. Smith projected a fourth quarter of $679 million and an adjusted EPS of $0.04.
Price Actions: UPST stock is down 13.2% at $68.42 at last check Monday. LC is down 6.19%, and SOFI is down 2.47%.
Also Read:
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<li><a href="https://www.benzinga.com/24/11/42221416/hp-faces-margin-pressure-but-analysts-see-ai-pcs-driving-growth-in-2025" target="_blank" rel="noreferrer noopener">HP Faces Margin Pressure But Analysts See AI PCs Driving Growth In 2025</a></li>
</ul>
Image: Shutterstock by d.ee_angelo.

Analyst Color

Equities

Downgrades

Reiteration

Movers

Trading Ideas

SOFI

UPST

An Analyst Sours On Upstart Stock But Says SoFi Tech Could Become 'American Express' Of Fintech

WIIM

LendingClub shares are trading lower after JP Morgan downgraded the stock from Overweight to Neutral, despite raising its price target from $14 to $17.

Providing a diverse range of perspectives from bullish to bearish, 6 analysts have published ratings on LendingClub (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/LC#NYSE">LC</a>) in the last three months.
The following table summarizes their recent ratings, shedding light on the changing sentiments within the past 30 days and comparing them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">2</td>
<td align="right">3</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">2</td>
<td align="right">3</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
In the assessment of 12-month price targets, analysts unveil insights for LendingClub, presenting an average target of $17.0, a high estimate of $19.00, and a low estimate of $15.00. This upward trend is apparent, with the current average reflecting a 22.13% increase from the previous average price target of $13.92.
<img src="https://www.benzinga.com/files/images/story/2024/1733151625_0.png" alt="price target chart" />
<h2>Deciphering Analyst Ratings: An In-Depth Analysis</h2>
In examining recent analyst actions, we gain insights into how financial experts perceive LendingClub. The following summary outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Reginald Smith</td>
<td>JP Morgan</td>
<td>Raises</td>
<td>Neutral</td>
<td>$17.00</td>
<td>$14.00</td>
</tr>
<tr>
<td>Michael Diana</td>
<td>Maxim Group</td>
<td>Raises</td>
<td>Buy</td>
<td>$19.00</td>
<td>$16.00</td>
</tr>
<tr>
<td>Giuliano Bologna</td>
<td>Compass Point</td>
<td>Raises</td>
<td>Buy</td>
<td>$19.00</td>
<td>$15.00</td>
</tr>
<tr>
<td>Brad Capuzzi</td>
<td>Piper Sandler</td>
<td>Raises</td>
<td>Overweight</td>
<td>$15.00</td>
<td>$13.00</td>
</tr>
<tr>
<td>David Chiaverini</td>
<td>Wedbush</td>
<td>Raises</td>
<td>Outperform</td>
<td>$17.00</td>
<td>$14.00</td>
</tr>
<tr>
<td>Timothy Switzer</td>
<td>Keefe, Bruyette &amp; Woods</td>
<td>Raises</td>
<td>Outperform</td>
<td>$15.00</td>
<td>$11.50</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Analysts adapt their recommendations to changing market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their response to recent developments related to LendingClub. This information provides a snapshot of how analysts perceive the current state of the company.</li>
<li>Rating: Analysts assign qualitative assessments to stocks, ranging from 'Outperform' to 'Underperform'. These ratings convey the analysts' expectations for the relative performance of LendingClub compared to the broader market.</li>
<li>Price Targets: Analysts set price targets as an estimate of a stock's future value. Comparing the current and prior price targets provides insight into how analysts' expectations have changed over time. This information can be valuable for investors seeking to understand consensus views on the stock's potential future performance.</li>
</ul>
To gain a panoramic view of LendingClub's market performance, explore these analyst evaluations alongside essential financial indicators. Stay informed and make judicious decisions using our Ratings Table.
<a href="https://www.benzinga.com/quote/LC/analyst-ratings?utm_source=Benzinga Insights">Stay up to date on LendingClub analyst ratings.</a>
If you are interested in following small-cap stock news and performance <a href="https://www.benzinga.com/news/small-cap">you can start by tracking it here</a>.
<h2>Discovering LendingClub: A Closer Look</h2>
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.
<h3>LendingClub's Economic Impact: An Analysis</h3>
Market Capitalization: Indicating a reduced size compared to industry averages, the company's market capitalization poses unique challenges.
Revenue Growth: LendingClub's revenue growth over a period of 3 months has been noteworthy. As of 30 September, 2024, the company achieved a revenue growth rate of approximately 0.51%. This indicates a substantial increase in the company's top-line earnings. As compared to its peers, the revenue growth lags behind its industry peers. The company achieved a growth rate lower than the average among peers in Financials sector.
Net Margin: LendingClub's net margin falls below industry averages, indicating challenges in achieving strong profitability. With a net margin of 7.16%, the company may face hurdles in effective cost management.
Return on Equity (ROE): LendingClub's ROE is below industry averages, indicating potential challenges in efficiently utilizing equity capital. With an ROE of 1.1%, the company may face hurdles in achieving optimal financial returns.
Return on Assets (ROA): The company's ROA is below industry benchmarks, signaling potential difficulties in efficiently utilizing assets. With an ROA of 0.14%, the company may need to address challenges in generating satisfactory returns from its assets.
Debt Management: LendingClub's debt-to-equity ratio is below the industry average at 0.02, reflecting a lower dependency on debt financing and a more conservative financial approach.
<h2>Understanding the Relevance of Analyst Ratings</h2>
Benzinga tracks 150 analyst firms and reports on their stock expectations. Analysts typically arrive at their conclusions by predicting how much money a company will make in the future, usually the upcoming five years, and how risky or predictable that company's revenue streams are.
Analysts attend company conference calls and meetings, research company financial statements, and communicate with insiders to publish their ratings on stocks. Analysts typically rate each stock once per quarter or whenever the company has a major update.
Analysts may enhance their evaluations by incorporating forecasts for metrics like growth estimates, earnings, and revenue, delivering additional guidance to investors. It is vital to acknowledge that, although experts in stocks and sectors, analysts are human and express their opinions when providing insights.
Breaking: Wall Street's Next Big Mover
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The Latest Analyst Ratings For LendingClub

JP Morgan analyst Reginald Smith downgrades LendingClub (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/LC#NYSE">LC</a>) from Overweight to Neutral and raises the price target from $14 to $17.

JP Morgan Downgrades LendingClub to Neutral, Raises Price Target to $17

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Shares of banking and private equity stocks are trading higher after Donald Trump won the US presidential election.

In the current session, the stock is trading at $14.59, after a 0.27% spike. Over the past month, LendingClub Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/LC#NYSE">LC</a>) stock increased by 29.08%, and in the past year, by 143.19%. With performance like this, long-term shareholders are optimistic but others are more likely to look into the price-to-earnings ratio to see if the stock might be overvalued.

<img src="https://www.benzinga.com/files/images/story/2024/1730385009_0.png" alt="Past Year Chart" />

<h3>LendingClub P/E Compared to Competitors</h3>
The P/E ratio measures the current share price to the company's EPS. It is used by long-term investors to analyze the company's current performance against it's past earnings, historical data and aggregate market data for the industry or the indices, such as S&amp;P 500. A higher P/E indicates that investors expect the company to perform better in the future, and the stock is probably overvalued, but not necessarily. It also could indicate that investors are willing to pay a higher share price currently, because they expect the company to perform better in the upcoming quarters. This leads investors to also remain optimistic about rising dividends in the future. 
Compared to the aggregate P/E ratio of 27.46 in the Consumer Finance industry, LendingClub Inc. has a higher P/E ratio of 38.29. Shareholders might be inclined to think that LendingClub Inc. might perform better than its industry group. It's also possible that the stock is overvalued. 

<img src="https://www.benzinga.com/files/images/story/2024/1730385009_1.png" alt="Guage" />

In conclusion, the price-to-earnings ratio is a useful metric for analyzing a company's market performance, but it has its limitations. While a lower P/E can indicate that a company is undervalued, it can also suggest that shareholders do not expect future growth. Additionally, the P/E ratio should not be used in isolation, as other factors such as industry trends and business cycles can also impact a company's stock price. Therefore, investors should use the P/E ratio in conjunction with other financial metrics and qualitative analysis to make informed investment decisions.

A Look Into LendingClub Inc's Price Over Earnings

Top Wall Street analysts changed their outlook on these top names. For a complete view of all analyst rating changes, including upgrades and downgrades, please see our <a href="https://www.benzinga.com/analyst-stock-ratings">analyst ratings page</a>.
<ul>
<li>Citigroup raised Eli Lilly and Company  (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/LLY#NYSE">LLY</a>) price target from $1,060 to $1,250. Citigroup analyst Peter Verdult maintained a Buy rating. Eli Lilly shares closed at $891.32 on Thursday. See how other analysts view this stock.</li>
<li>RBC Capital cut the price target for Whirlpool Corporation (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WHR#NYSE">WHR</a>) from $76 to $74. RBC Capital analyst Mike Dahl maintained an Underperform rating. Whirlpool shares closed at $110.37 on Thursday. <a href="https://www.benzinga.com/quote/WHR/analyst-ratings">See how other analysts view this stock.</a></li>
<li>Maxim Group raised the price target for LendingClub Corporation (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/LC#NYSE">LC</a>) from $16 to $19. Maxim Group analyst Michael Diana maintained a Buy rating. LendingClub shares closed at $13.82 on Thursday. <a href="https://www.benzinga.com/quote/LC/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>Deutsche Bank raised Skechers U.S.A., Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SKX#NYSE">SKX</a>) price target from $83 to $84. Deutsche Bank analyst Krisztina Katai maintained a Buy rating. Skechers shares settled at $61.63 on Thursday. <a href="https://www.benzinga.com/quote/SKX/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>Raymond James cut Waste Connections, Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WCN#NYSE">WCN</a>) price target from $208 to $205. Raymond James analyst Patrick Tyler Brown maintained a Strong Buy rating. Waste Connections shares closed at $178.56 on Thursday. <a href="https://www.benzinga.com/quote/WCN/analyst-ratings">See how other analysts view this stock.</a></li>
<li>JP Morgan cut Keurig Dr Pepper Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/KDP#NASDAQ">KDP</a>) price target from $41 to $40. JP Morgan analyst Andrea Teixeira maintained an Overweight rating. Keurig Dr Pepper shares closed at $34.94 on Thursday. <a href="https://www.benzinga.com/quote/KDP/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>Cantor Fitzgerald cut the price target for Coursera, Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/COUR#NYSE">COUR</a>) from $22 to $10. Cantor Fitzgerald analyst Yi Fu Lee maintained an Overweight rating. Coursera shares settled at $7.62 on Thursday. <a href="https://www.benzinga.com/quote/COUR/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>Stifel slashed Union Pacific Corporation (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/UNP#NYSE">UNP</a>) price target from $265 to $262. Stifel analyst Benjamin Nolan maintained a Buy rating. Union Pacific shares closed at $230.75 on Thursday. <a href="https://www.benzinga.com/quote/UNP/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>Stifel cut the price target for The J. M. Smucker Company (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SJM#NYSE">SJM</a>) from $135 to $125. Stifel analyst Matthew Smith downgraded the stock from Buy to Hold. Smucker shares closed at $117.04 on Thursday. <a href="https://www.benzinga.com/quote/SJM/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>Piper Sandler boosted Tesla, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TSLA#NASDAQ">TSLA</a>) price target from $310 to $315. Piper Sandler analyst Alexander Potter maintained an Overweight rating. Tesla shares closed at $260.48 on Thursday. <a href="https://www.benzinga.com/quote/TSLA/analyst-ratings">See how other analysts view this stock</a>.</li>
</ul>
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Maxim Group analyst Michael Diana maintains LendingClub (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/LC#NYSE">LC</a>) with a Buy and raises the price target from $16 to $19.

Maxim Group Maintains Buy on LendingClub, Raises Price Target to $19

Compass Point analyst Giuliano Bologna maintains LendingClub (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/LC#NYSE">LC</a>) with a Buy and raises the price target from $15 to $19.

Compass Point Maintains Buy on LendingClub, Raises Price Target to $19

U.S. stocks were mixed, with the Nasdaq Composite gaining around 100 points on Thursday.
Shares of United Parcel Service, Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/UPS#NYSE">UPS</a>) rose during Thursday's session after the company reported <a href="https://www.benzinga.com/news/earnings/24/10/41515619/delivery-giant-ups-breaks-revenue-miss-streak-after-10-quarters-stock-soars">better-than-expected quarterly EPS and sales.</a>
UPS reported consolidated revenue growth of 5.6% year-over-year to $22.2 billion, beating the consensus of $22.14 billion. Adjusted EPS was $1.76, up 12.1% YoY, above the consensus of $1.63.
United Parcel Service shares jumped 5% to $137.93 on Thursday.
Here are some other big stocks recording gains in today's session.
<ul>
<li>QuantumScape Corporation (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/QS#NYSE">QS</a>) shares jumped 31.6% to $6.82 after the company said it has begun producing low volumes of its first B-sample cells and has begun shipping cells for automotive customer testing.</li>
<li>Molina Healthcare, Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MOH#NYSE">MOH</a>) gained 22.8% to $337.89 after the company reported better-than-expected third-quarter financial results.</li>
<li>West Pharmaceutical Services, Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WST#NYSE">WST</a>) climbed 20.7% to $345.82 after the company reported better-than-expected third-quarter financial results and raised its FY24 guidance above estimates. Also, the company increased its fourth-quarter dividend.</li>
<li>Viking Therapeutics, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/VKTX#NASDAQ">VKTX</a>) gained 18.7% to $71.65 after the company reported better-than-expected third-quarter EPS results.</li>
<li>LendingClub Corporation (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/LC#NYSE">LC</a>) gained 17.7% to $14.67 after the company reported better-than-expected third-quarter financial results.</li>
<li>American Coastal Insurance Corporation (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ACIC#NASDAQ">ACIC</a>) surged 16.8% to $12.09 after the company provided updates on hurricane loss amounts and announced it expects a positive net income for the third quarter.</li>
<li>Tesla, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TSLA#NASDAQ">TSLA</a>) gained 16.5% to $248.93 following better-than-expected quarterly earnings.</li>
<li>Celestica Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CLS#NYSE">CLS</a>) climbed 15.6% to $66.48 after the company reported better-than-expected third-quarter financial results and issued fourth-quarter revenue guidance above estimates.</li>
<li>Zai Lab Limited (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ZLAB#NASDAQ">ZLAB</a>) gained 15.2% to $33.33 after the company presented data from its ongoing Phase 1a/1b study of ZL-1310 for previously treated extensive-stage small cell lung cancer at the EORTC-NCI-AACR Symposium 2024.</li>
<li>Pegasystems Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PEGA#NASDAQ">PEGA</a>) gained 14.2% to $79.66.</li>
<li>AST SpaceMobile, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ASTS#NASDAQ">ASTS</a>) surged 13.2% to $29.72 after the company announced it bagged a contract with the Space Development Agency as the prime contractor to the US Government.</li>
<li>ADT Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ADT#NYSE">ADT</a>) gained 11.2% to $7.70 after the company reported better-than-expected third-quarter financial results and issued FY24 adjusted EPS above estimates.</li>
<li>Whirlpool Corporation (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WHR#NYSE">WHR</a>) rose 10% to $109.18 following a third-quarter EPS beat and guidance above consensus estimates.</li>
<li>Plexus Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PLXS#NASDAQ">PLXS</a>) rose 9.9% to $149.00 after the company reported better-than-expected fourth-quarter financial results.</li>
<li>Rocket Lab USA, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/RKLB#NASDAQ">RKLB</a>) gained 9.9% to $12.00 after Keybanc maintained an Overweight rating on the stock and raised its price target from $11 to $12.</li>
<li>CBRE Group, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/CBRE#NASDAQ">CBRE</a>) gained 9.7% to $135.12 after the company reported better-than-expected third-quarter financial results and raised its FY24 adjusted EPS guidance above estimates.</li>
<li>Tyler Technologies, Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/TYL#NYSE">TYL</a>) rose 8.2% to $629.72 following upbeat quarterly earnings.</li>
<li>Labcorp Holdings Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/LH#NYSE">LH</a>) gained 7.6% to $236.52 following strong quarterly earnings.</li>
<li>Pool Corporation (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/POOL#NASDAQ">POOL</a>) gained 7.5% to $377.11 following strong quarterly sales.</li>
<li>T-Mobile US, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TMUS#NASDAQ">TMUS</a>) gained 4.1% to $230.00 after the company reported better-than-expected third-quarter financial results and raised its FY24 guidance.</li>
</ul>
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UPS Posts Upbeat Q3 Results, Joins Tesla, Celestica, Pool, T-Mobile And Other Big Stocks Moving Higher On Thursday

Piper Sandler analyst Brad Capuzzi reiterates LendingClub (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/LC#NYSE">LC</a>) with a Overweight and raises the price target from $13 to $15.

Piper Sandler Reiterates Overweight on LendingClub, Raises Price Target to $15

Wedbush analyst David Chiaverini maintains LendingClub (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/LC#NYSE">LC</a>) with a Outperform and raises the price target from $14 to $17.

Wedbush Maintains Outperform on LendingClub, Raises Price Target to $17

LendingClub shares are trading higher after the company reported better-than-expected Q3 financial results.

LendingClub (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/LC#NYSE">LC</a>) expects Loan originations of $1.8B to $1.9B and Pre-provision net revenue (PPNR) of $60M to $70M for Q4 2024.

Guidance

LendingClub expects Loan originations of $1.8B to $1.9B and Pre-provision net revenue (PPNR) of $60M to $70M for Q4 2024.

LendingClub (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/LC#NYSE">LC</a>) reported quarterly earnings of $0.13 per share which beat the analyst consensus estimate of $0.07 by 85.71 percent. The company reported quarterly sales of $201.881 million which beat the analyst consensus estimate of $190.458 million by 6.00 percent. This is a 0.51 percent increase over sales of $200.849 million the same period last year.

Earnings

Earnings Beats

LendingClub Q3 2024 GAAP EPS $0.13 Beats $0.07 Estimate, Sales $201.881M Beat $190.458M Estimate

LendingClub: Too Early To Downgrade

BTIG raised the firm's price target on LendingClub (LC) to $28 from $15 and keeps a Buy rating on the shares. The firm replaced Upbound (UPBD) with...

LendingClub price target raised to $28 from $15 at BTIG

Specialty Finance Analyst Caintic holds a meeting with CEO Sanborn and CFO LaBenne in Boston on December 18 hosted by BTIG. Published first on TheF...

LendingClub management to meet with BTIG

In a report released today, Vincent Caintic from BTIG maintained a Buy rating on LendingClub (LC – Research Report), with a price target of $28.00....

BTIG Sticks to Their Buy Rating for LendingClub (LC)

Total Return Breakouts: LendingClub, "Zombie" Bank Winners And A Fed Rate Cut Next Week

LendingClub: The Historic Debt Consolidation Opportunity Has Just Started

Piper Sandler analyst Brad Capuzzi raised the firm's price target on LendingClub (LC) to $20 from $15 and keeps an Overweight rating on the shares ...

LendingClub price target raised to $20 from $15 at Piper Sandler

Piper Sandler analyst Brad Capuzzi maintained a Buy rating on LendingClub (LC – Research Report) today and set a price target of $20.00. The compan...

Piper Sandler Keeps Their Buy Rating on LendingClub (LC)

LendingClub: Joining The Club For 2025

Capital One, Discover, Synchrony upped at Barclays

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Press Releases

LendingClub Schedules Second Quarter 2024 Earnings Release and Conference Call

LendingClub Reports Second Quarter 2024 Results

Nearly 50% of Americans Unaware Federal Interest Rate Hikes Raised Their Credit Card APR by Over 5 Percentage Points

LendingClub Bank Launches LevelUp Savings

LendingClub Schedules Third Quarter 2024 Earnings Release and Conference Call

LendingClub & Pagaya Acquire Assets of Tally Technologies

LendingClub Reports Third Quarter 2024 Results

Global Mortgage Lender Market Expected to Grow to $1.8 Trillion In 2028

Caught in a Loop: More Americans Are Unwittingly Ending Up on a Hamster Wheel of Credit Card Debt

LendingClub Schedules Fourth Quarter and Full Year 2024 Earnings Release and Conference Call

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