LendingClub Corporation [LC] fell -7.78% so far this year. What now?


LendingClub Corporation [NYSE: LC] plunged by -$0.65 during the normal trading session on Thursday and reaching a high of $23.44 during the day while it closed the day at $22.30. The company report on December 8, 2021 that Rising Inflation Threatens Consumer’s Recovery from Pandemic.

Key Insight from LendingClub’s 5th Paycheck-to-Paycheck Report with PYMNTS.

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LendingClub Corporation (NYSE: LC), the parent company of LendingClub Bank, America’s leading digital marketplace bank, today released findings from its fifth edition of the 2021 Reality Check: Paycheck-to-Paycheck research series, conducted in partnership with PYMNTS.com.

LendingClub Corporation stock has also loss -8.91% of its value over the past 7 days. However, LC stock has declined by -24.71% in the 3 months of the year. Over the past six months meanwhile, it has gained 28.46% and lost -7.78% year-on date.

The market cap for LC stock reached $2.25 billion, with 99.07 million shares outstanding and 97.23 million shares in the current float. Compared to the average trading volume of 2.83M shares, LC reached a trading volume of 3504933 in the most recent trading day, which is why market watchdogs consider the stock to be active.

Here’s what leading stock market gurus have to say about LendingClub Corporation [LC]:

Based on careful and fact-backed analyses by Wall Street experts, the current consensus on the target price for LC shares is $43.17 per share. Analysis on target price and performance of stocks is usually carefully studied by market experts, and the current Wall Street consensus on LC stock is a recommendation set at 2.50. This rating represents a strong Buy recommendation, on the scale from 1 to 5, where 5 would mean strong sell, 4 represents Sell, 3 is Hold, and 2 indicates Buy.

Wedbush have made an estimate for LendingClub Corporation shares, keeping their opinion on the stock as Outperform, with their previous recommendation back on December 22, 2021. The new note on the price target was released on October 28, 2021, representing the official price target for LendingClub Corporation stock. Previously, the target price had yet another raise to $35, while Maxim Group analysts kept a Buy rating on LC stock.

The Average True Range (ATR) for LendingClub Corporation is set at 1.85, with the Price to Sales ratio for LC stock in the period of the last 12 months amounting to 3.42. The Price to Book ratio for the last quarter was 2.75, with the Price to Cash per share for the same quarter was set at 8.53. Price to Free Cash Flow for LC in the course of the last twelve months was 16.06.

LC stock trade performance evaluation

LendingClub Corporation [LC] fell into the red zone at the end of the last week, falling into a negative trend and dropping by -8.91. With this latest performance, LC shares dropped by -29.03% in over the last four-week period, additionally plugging by 28.46% over the last 6 months – not to mention a rise of 93.58% in the past year of trading.

Overbought and oversold stocks can be easily traced with the Relative Strength Index (RSI), where an RSI result of over 70 would be overbought, and any rate below 30 would indicate oversold conditions. An RSI rate of 50 would represent a neutral market momentum. The current RSI for LC stock in for the last two-week period is set at 29.91, with the RSI for the last a single of trading hit 26.96, and the three-weeks RSI is set at 33.23 for LendingClub Corporation [LC]. The present Moving Average for the last 50 days of trading for this stock 33.71, while it was recorded at 23.89 for the last single week of trading, and 24.55 for the last 200 days.

LendingClub Corporation [LC]: An insightful look at the core fundamentals

Operating Margin for any stock indicates how profitable investing would be, and LendingClub Corporation [LC] shares currently have an operating margin of -3.70 and a Gross Margin at +77.10. LendingClub Corporation’s Net Margin is presently recorded at -36.43.

Return on Total Capital for LC is now -1.51, given the latest momentum, and Return on Invested Capital for the company is -16.04. Return on Equity for this stock declined to -23.09, with Return on Assets sitting at -7.74. When it comes to the capital structure of this company, LendingClub Corporation [LC] has a Total Debt to Total Equity ratio set at 27.55. Additionally, LC Total Debt to Total Capital is recorded at 21.60, with Total Debt to Total Assets ending up at 10.71. Long-Term Debt to Equity for the company is recorded at 24.89, with the Long-Term Debt to Total Capital now at 19.51.

Reflecting on the efficiency of the workforce at the company, LendingClub Corporation [LC] managed to generate an average of -$182,076 per employee. Receivables Turnover for the company is 21.75 with a Total Asset Turnover recorded at a value of 0.21.

Earnings per share (EPS) analysis for LendingClub Corporation [LC] stock

The progress of the company may be observed through the prism of EPS growth rate, while Wall Street analysts are focusing on predicting the 5-year EPS growth rate for LC. When it comes to the mentioned value, analysts are expecting to see the 5-year EPS growth rate for LendingClub Corporation go to -8.60%.

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LendingClub Corporation [LC]: Insider Ownership positions

There are presently around $1,841 million, or 79.30% of LC stock, in the hands of institutional investors. The top three institutional holders of LC stocks are: VANGUARD GROUP INC with ownership of 8,626,412, which is approximately 24.757% of the company’s market cap and around 1.90% of the total institutional ownership; JACKSON SQUARE PARTNERS, LLC, holding 8,021,089 shares of the stock with an approximate value of $184.08 million in LC stocks shares; and BLACKROCK INC., currently with $164.29 million in LC stock with ownership of nearly -5.646% of the company’s market capitalization.

Positions in LendingClub Corporation stocks held by institutional investors increased at the end of February and at the time of the February reporting period, where 111 institutional holders increased their position in LendingClub Corporation [NYSE:LC] by around 13,889,778 shares. Additionally, 79 investors decreased positions by around 14,143,738 shares, while 25 investors held positions by with 52,196,111 shares. The mentioned changes placed institutional holdings at 80,229,627 shares, according to the latest SEC report filing. LC stock had 55 new institutional investments in for a total of 6,986,131 shares, while 15 institutional investors sold positions of 3,656,004 shares during the same period.