The stock price of LendingClub Corp (NYSE: LC) has surged by 1.27 when compared to previous closing price of 10.25, but the company has seen a -11.36% decline in its stock price over the last five trading sessions. fool.com reported 2025-03-02 that Financial stocks are particularly interesting right now. In the span of just five years, the sector has been battered by the COVID-19 downturn, rising interest rates, and the bankruptcies of several regional banks.
Is It Worth Investing in LendingClub Corp (NYSE: LC) Right Now?
LendingClub Corp (NYSE: LC) has a higher price-to-earnings ratio of 22.82x compared to its average ratio. LC has 36-month beta value of 2.10. Analysts have mixed views on the stock, with 5 analysts rating it as a “buy,” 3 as “overweight,” 2 as “hold,” and 0 as “sell.”
The public float for LC is 109.45M, and currently, short sellers hold a 4.14% ratio of that float. The average trading volume of LC on March 12, 2025 was 2.12M shares.
LC’s Market Performance
The stock of LendingClub Corp (LC) has seen a -11.36% decrease in the past week, with a -23.00% drop in the past month, and a -33.84% fall in the past quarter. The volatility ratio for the week is 6.15%, and the volatility levels for the past 30 days are at 5.19% for LC. The simple moving average for the last 20 days is -17.14% for LC stock, with a simple moving average of -16.91% for the last 200 days.
Analysts’ Opinion of LC
Many brokerage firms have already submitted their reports for LC stocks, with JP Morgan repeating the rating for LC by listing it as a “Neutral.” The predicted price for LC in the upcoming period, according to JP Morgan is $17 based on the research report published on December 02, 2024 of the previous year 2024.
Maxim Group, on the other hand, stated in their research note that they expect to see LC reach a price target of $19, previously predicting the price at $16. The rating they have provided for LC stocks is “Buy” according to the report published on October 25th, 2024.
Keefe Bruyette gave a rating of “Outperform” to LC, setting the target price at $15 in the report published on October 10th of the previous year.
LC Trading at -27.76% from the 50-Day Moving Average
After a stumble in the market that brought LC to its low price for the period of the last 52 weeks, the company was unable to rebound, for now settling with -44.64% of loss for the given period.
Volatility was left at 5.19%, however, over the last 30 days, the volatility rate increased by 6.15%, as shares sank -21.90% for the moving average over the last 20 days. Over the last 50 days, in opposition, the stock is trading -37.70% lower at present.
During the last 5 trading sessions, LC fell by -11.36%, which changed the moving average for the period of 200-days by +11.49% in comparison to the 20-day moving average, which settled at $12.53. In addition, LendingClub Corp saw -35.89% in overturn over a single year, with a tendency to cut further losses.
Insider Trading
Reports are indicating that there were more than several insider trading activities at LC starting from Cheng Jordan, who sale 7,000 shares at the price of $14.10 back on Feb 19 ’25. After this action, Cheng Jordan now owns 88,263 shares of LendingClub Corp, valued at $98,685 using the latest closing price.
Cheng Jordan, the General Counsel & Secretary of LendingClub Corp, sale 7,000 shares at $13.88 during a trade that took place back on Feb 20 ’25, which means that Cheng Jordan is holding 81,263 shares at $97,182 based on the most recent closing price.
Stock Fundamentals for LC
Current profitability levels for the company are sitting at:
- 0.03 for the present operating margin
- 0.66 for the gross margin
The net margin for LendingClub Corp stands at 0.06. The total capital return value is set at 0.0. Equity return is now at value 3.96, with 0.53 for asset returns.
Based on LendingClub Corp (LC), the company’s capital structure generated 0.02 points at debt to capital in total, while cash flow to debt ratio is standing at -92.42. The debt to equity ratio resting at 0.02. The interest coverage ratio of the stock is 0.06.
When we switch over and look at the enterprise to sales, we see a ratio of 0.27. The receivables turnover for the company is 8.78for trailing twelve months and the total asset turnover is 0.09.
Conclusion
To put it simply, LendingClub Corp (LC) has had a bad performance in recent times. Analysts have a bullish opinion on the stock, with some rating it as a “buy” and others as a “hold”. It’s important to note that the stock is currently trading at a significant distance from its 50-day moving average and its 52-week high.
