Throughout the last three months, 8 analysts have evaluated LendingClub LC, 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.
| Bullish | Somewhat Bullish | Indifferent | Somewhat Bearish | Bearish | |
|---|---|---|---|---|---|
| Total Ratings | 2 | 5 | 1 | 0 | 0 |
| Last 30D | 0 | 1 | 0 | 0 | 0 |
| 1M Ago | 0 | 1 | 0 | 0 | 0 |
| 2M Ago | 0 | 0 | 1 | 0 | 0 |
| 3M Ago | 2 | 3 | 0 | 0 | 0 |
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.
Decoding Analyst Ratings: A Detailed Look
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 |
|---|---|---|---|---|---|
| Brad Capuzzi | Piper Sandler | Raises | Overweight | $20.00 | $15.00 |
| Timothy Switzer | Keefe, Bruyette & Woods | Raises | Outperform | $17.00 | $15.00 |
| Reginald Smith | JP Morgan | Raises | Neutral | $17.00 | $14.00 |
| Michael Diana | Maxim Group | Raises | Buy | $19.00 | $16.00 |
| Giuliano Bologna | Compass Point | Raises | Buy | $19.00 | $15.00 |
| Brad Capuzzi | Piper Sandler | Raises | Overweight | $15.00 | $13.00 |
| David Chiaverini | Wedbush | Raises | Outperform | $17.00 | $14.00 |
| Timothy Switzer | Keefe, Bruyette & Woods | Raises | Outperform | $15.00 | $11.50 |
Key Insights:
- 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.
- 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.
- Price Targets: Gaining insights, analysts provide estimates for the future value of LendingClub's stock. This comparison reveals trends in analysts' expectations over time.
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.
Stay up to date on LendingClub analyst ratings.
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Unveiling the Story Behind 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.
Breaking Down LendingClub's Financial Performance
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.
What Are Analyst Ratings?
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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