LendingClub Corporation Financial Ratios — LC Stock

Profitability (USD)

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Assets (%)	- -	0.62	-1.13	-0.1	-2.57	-3.02	-3.03	-0.9	-7.74	0.55	4.5	0.46	0.53	1.22
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	0.95	2.08	5.9	5.85	7.01	9.48	9.2	8.49	17.72	5.41	3.69	5.46	7.48	6.3
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	-75.61	9.13	-18.13	-0.59	-35.25	-31.46	-21.52	-4.22	-61.54	2.25	12.89	6.32	8.27	17.72
Profit Margin (%)	-75.61	9.13	-18.93	-1.36	-34.26	-31.55	-21.55	-4.2	-61.52	2.27	24.4	4.5	6.52	13.58
Net Income to Common Margin (%)	-75.61	9.13	-18.93	-1.36	-34.26	-31.55	-21.55	-4.2	-77.99	2.27	24.4	4.5	6.52	13.58
Effective Tax Rate (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	28.71	21.11	23.32
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Credit (USD)

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	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	361	1,840	2,814	4,572	4,321	3,299	2,621	1,822	989	430	210	57	29	16
ST Debt	- -	- -	- -	- -	- -	32	459	587	105	28	3	- -	- -	- -
LT Debt	361	1,840	2,814	4,572	4,321	3,267	2,162	1,234	884	402	208	57	29	16
Total Debt/EBITDA	2,407.76	1,106.43	274.29	211.86	144.6	71.39	47.86	29.31	18.31	9.71	4.8	1.21	0.48	0.25
Net Debt/EBITDA	2,193.09	1,076.67	189.43	182.93	127.34	62.7	41.05	23.58	6.84	-7.87	-21.08	-26.13	-16.22	-14.59
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-13.22	-2.58	-2.04	-1.46	-4.14	-8.3	-13.53	-18.36	-42.15	-14.62	-5.35	-4.39	-3.16	-1.73
Long-Term Debt/Equity (%)	- -	2,702.13	289.1	438.79	442.82	352.13	248.25	137.13	122.09	47.31	17.83	4.57	2.12	1.05
Long-Term Debt/Capital (%)	117.32	97.2	102.91	101.88	105.63	111.92	102.67	96.87	433.87	-140.42	-95.88	-17.32	-9.26	-8.56
Long-Term Debt/Total Assets (%)	89.55	94.68	72.33	78.91	77.68	70.39	56.61	41.39	47.45	8.21	2.6	0.65	0.27	0.14
Total Debt/Equity (%)	-745.14	2,702.13	289.1	438.79	442.82	355.59	300.93	202.39	136.59	50.57	18.05	4.57	2.12	1.05
Total Debt/Capital (%)	117.32	97.2	102.91	101.88	105.63	113.02	124.46	142.97	485.39	-150.12	-97.09	-17.32	-9.26	-8.56
Total Debt/Total Assets (%)	89.55	94.68	72.33	78.91	77.68	71.09	68.62	61.09	53.08	8.77	2.63	0.65	0.27	0.14
Net Debt to Equity	-678.71	2,629.45	199.67	378.86	389.98	312.29	258.11	162.83	51.04	-41.01	-79.37	-98.51	-71.11	-61.16
Net Debt/Capital (%)	119.34	97.12	104.27	102.19	106.44	115.09	129.72	142.23	-115.08	35.82	72.57	77.9	75.61	83.24
EBITDA	- -	2	10	22	30	46	55	62	54	44	44	47	59	63
EBITDA-CapEx	- -	-9	-10	-18	-22	2	2	11	23	10	-26	-12	5	-77
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-13.22	-2.58	-2.04	-1.46	-4.14	-8.3	-13.53	-18.36	-42.15	-14.62	-5.35	-4.39	-3.16	-1.73
Long-Term Debt/Equity (%)	- -	2,702.13	289.1	438.79	442.82	352.13	248.25	137.13	122.09	47.31	17.83	4.57	2.12	1.05
Long-Term Debt/Capital (%)	117.32	97.2	102.91	101.88	105.63	111.92	102.67	96.87	433.87	-140.42	-95.88	-17.32	-9.26	-8.56
Long-Term Debt/Total Assets (%)	89.55	94.68	72.33	78.91	77.68	70.39	56.61	41.39	47.45	8.21	2.6	0.65	0.27	0.14
Total Debt/Equity (%)	-745.14	2,702.13	289.1	438.79	442.82	355.59	300.93	202.39	136.59	50.57	18.05	4.57	2.12	1.05
Total Debt/Capital (%)	117.32	97.2	102.91	101.88	105.63	113.02	124.46	142.97	485.39	-150.12	-97.09	-17.32	-9.26	-8.56
Total Debt/Total Assets (%)	89.55	94.68	72.33	78.91	77.68	71.09	68.62	61.09	53.08	8.77	2.63	0.65	0.27	0.14
CFO/Total Liabilities	-2.34	0.06	1.71	1.57	0.01	-15.44	-21.7	-13	36.7	5.92	5.51	-15	-28.36	-27.09
CFO/CapEx	-27.55	0.11	2.43	1.9	0.01	-12.85	-12.08	-5.34	13.42	6.97	5.41	-19.1	-48.51	-19.43
Altman's Z-Score	-0.15	- -	0.41	0.57	0.28	0.26	0.19	0.31	-0.01	0.31	0.15	0.11	0.15	0.19

Working Capital (USD)

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	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	4.34	5.73	10.48	9.1	10.2	13.58	19.93	12.88	105.99	76.84	25.93	20.66	23.7
Days Sales Outstanding	- -	84.11	63.73	34.82	40.1	35.77	26.89	18.32	28.33	3.44	4.75	14.08	17.67	15.4
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	- -	- -	1,912	4,142	2,036	1,689	1,112	1,101	823	2,357	911	948	1,809	2,171
- Cash & Cash Equivalents	32	49	870	624	516	402	373	244	525	687	1,057	1,253	954	918
+ Preferred Equity and Hybrid Capital	- -	103	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	5	2	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	361	1,840	2,814	4,572	4,321	3,299	2,621	1,822	989	430	210	57	29	16
Enterprise Value	329	1,894	3,855	7,792	5,554	4,474	3,192	2,409	1,145	1,837	-281	-1,868	-2,569	1,269
Total Capital	308	1,893	2,734	4,487	4,091	2,919	2,106	1,274	204	-286	-216	-330	-308	-185
Total Debt/Capital (%)	117.32	97.2	102.91	101.88	105.63	113.02	124.46	142.97	485.39	-150.12	-97.09	-17.32	-9.26	-8.56
Total Debt / EV	1.1	0.97	0.73	0.59	0.78	0.74	0.82	0.76	0.86	0.23	-0.75	-0.03	-0.01	0.01
EV/Sales	20.82	23.66	22.18	21.14	13.04	9.17	5.36	3.29	3.76	2.24	- -	- -	1.12	1.27
EV/EBITDA	2,193.09	1,138.75	375.82	361.12	185.86	96.83	58.28	38.75	21.19	41.47	- -	- -	16.52	20.18
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	1,662.64	77.23	104.26	10,190.65	- -	- -	- -	2.74	7.66	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	163.62	54.69	68.28	106.02	- -	- -	- -	2.55	6.7	- -	- -	- -	- -
Diluted Market Cap	- -	- -	1,912	4,142	2,036	1,689	1,112	1,101	823	2,470	915	948	1,831	2,220
Diluted Enterprise Value	329	1,894	3,855	8,090	5,841	4,592	3,362	2,680	1,287	2,213	68	-247	906	1,319
EV per Share	28.38	163.37	255.06	103.93	71.61	54.7	37.73	27.6	14.69	18.84	- -	- -	7.88	11.07
TTM Sales	16	80	174	369	426	488	595	732	305	819	1,187	865	787	999
TTM EBITDA	- -	2	10	22	30	46	55	62	54	44	44	47	59	63
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	-11	1	50	75	1	-573	-640	-271	418	240	376	-1,137	-2,634	-2,727
TTM Free Cash Flow to Firm	-10	12	70	114	52	-529	-587	-220	449	274	445	-1,077	-2,580	-2,587

Multiples (USD)

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	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	- -	- -	27.12	36.3	38.86	-3.19	-1.9	-5.01	1.83	9.01	2.06	-0.88	-0.71	-0.86
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	329	1,894	3,855	7,792	5,554	4,474	3,192	2,409	1,145	1,837	-281	-1,868	-2,569	1,269
Low Price	- -	- -	111.55	51.4	17.2	16.45	12.3	10.89	4.32	9.26	8.24	4.73	7.48	7.9
EV/Sales	20.82	23.66	22.18	21.14	13.04	9.17	5.36	3.29	3.76	2.24	- -	- -	1.12	1.27
EV/EBITDA	2,193.09	1,138.75	375.82	361.12	185.86	96.83	58.28	38.75	21.19	41.47	- -	- -	16.52	20.18
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	126.87	3.15	24.35	35.24	16
Price/Earnings Average	- -	- -	-58	-1,225.66	-16.44	-14.69	-11.88	-41.51	-2.39	115.22	5.03	21.57	23.12	12
Price/Earnings High	- -	- -	-67.29	-1,934.78	-29.89	-18.04	-15	-53.51	-4.48	258.18	9.6	30.42	40.81	17.69
Price/Earnings Low	- -	- -	-51.26	-771.51	-9.14	-8.75	-8.11	-30.91	-1.41	48.59	2.95	13.18	16.28	6.67
Price/Book Value	- -	- -	-24.05	-49.07	-8.84	-4.38	-2.15	-2.01	-1.05	-3.29	-2.14	-2.45	-5.38	-10.82
Price/Book Value Average	- -	- -	-24	-72.52	-10.42	-5.86	-2.95	-2.33	-0.72	-2.99	-3.42	-2.17	-3.53	-8.11
Price/Book Value High	- -	- -	-27.84	-114.48	-18.95	-7.2	-3.72	-3	-1.36	-6.7	-6.52	-3.06	-6.23	-11.96
Price/Book Value Low	- -	- -	-21.21	-45.65	-5.79	-3.49	-2.01	-1.74	-0.43	-1.26	-2	-1.32	-2.48	-4.51
Price/Tangible Book Value	- -	- -	2.21	4.42	2.23	1.94	1.3	1.24	1.25	3.45	0.85	0.81	1.44	1.53
Price/Tangible Book Value Average	- -	- -	2.21	6.53	2.63	2.6	1.79	1.44	0.87	3.13	1.36	0.72	0.94	1.15
Price/Tangible Book Value High	- -	- -	2.56	10.3	4.77	3.19	2.26	1.86	1.62	7.02	2.59	1.02	1.67	1.69
Price/Tangible Book Value Low	- -	- -	1.95	4.11	1.46	1.55	1.22	1.07	0.51	1.32	0.8	0.44	0.66	0.64
Price/Sales	- -	- -	11	11.24	4.78	3.46	1.87	1.5	2.7	2.88	0.77	1.1	2.3	2.17
Price/Sales Average	- -	- -	10.98	16.61	5.63	4.63	2.56	1.74	1.87	2.62	1.23	0.97	1.51	1.63
Price/Sales High	- -	- -	12.74	26.22	10.24	5.69	3.23	2.25	3.49	5.86	2.34	1.37	2.66	2.4
Price/Sales Low	- -	- -	9.7	10.45	3.13	2.76	1.75	1.3	1.1	1.1	0.72	0.59	1.06	0.91
Price/Cash Flow	- -	- -	38.3	55.42	3,735.32	-2.95	-1.74	-4.07	1.97	9.83	2.43	-0.83	-0.69	-0.8
Price/Cash Flow Average	- -	- -	38.22	81.91	4,402.01	-3.94	-2.38	-4.72	1.36	8.93	3.88	-0.74	-0.45	-0.6
Price/Cash Flow High	- -	- -	44.34	129.3	8,004.26	-4.84	-3.01	-6.08	2.55	20	7.41	-1.04	-0.8	-0.88
Price/Cash Flow Low	- -	- -	33.78	51.56	2,447.53	-2.35	-1.63	-3.51	0.8	3.76	2.27	-0.45	-0.32	-0.33
Price/Free Cash Flow Average	- -	- -	27.07	53.64	45.8	-4.27	-2.6	-5.8	1.27	8.18	3.29	-0.78	-0.47	-0.64
Price/Free Cash Flow High	- -	- -	31.4	84.68	83.27	-5.25	-3.28	-7.48	2.37	18.33	6.28	-1.1	-0.82	-0.95
Price/Free Cash Flow Low	- -	- -	23.92	33.77	25.46	-2.54	-1.77	-4.32	0.75	3.45	1.93	-0.48	-0.33	-0.36
EV/Sales Average	20.82	23.66	22.16	27.32	14.56	10.59	6.34	3.9	3.39	2.3	0.51	- -	0.33	0.73
EV/Sales High	20.82	23.66	23.92	36.93	19.17	11.64	7.01	4.4	5.02	5.55	1.63	- -	1.49	1.5
EV/Sales Low	20.82	23.66	20.88	21.16	12.06	8.71	5.53	3.45	2.63	0.79	0.01	- -	- -	- -
EV/EBITDA Average	2,193.09	1,138.75	375.43	466.65	207.63	111.71	68.92	45.93	19.12	42.54	13.93	-7.53	4.44	11.54
EV/EBITDA High	2,193.09	1,138.75	405.22	630.8	273.33	122.87	76.22	51.86	28.31	102.51	44.16	-0.23	19.88	23.82
EV/EBITDA Low	2,193.09	1,138.75	353.8	361.52	171.98	91.93	60.08	40.68	14.81	14.58	0.15	-14.46	-1.53	0.06
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	126.5	55.25	26.25	20.65	13.15	12.62	10.56	24.18	8.8	8.74	16.19	18.94
High Price	- -	- -	146.45	128.9	56.25	33.92	22.75	18.85	13.67	49.21	26.87	10.92	18.75	20.94
Enterprise Value Average	329	1,894	3,851	10,069	6,204	5,162	3,774	2,854	1,033	1,884	610	-355	261	726
Enterprise Value High	329	1,894	4,157	13,611	8,168	5,678	4,174	3,223	1,530	4,540	1,935	-11	1,169	1,498
Enterprise Value Low	329	1,894	3,629	7,801	5,139	4,248	3,290	2,529	800	646	6	-682	-90	4

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	72	72	74	76	80	83	86	89	88	101	107	110	113	115
Diluted Weighted Avg Shares	12	12	15	75	78	82	85	87	78	102	104	108	113	117
Basic Weighted Avg Shares	12	12	15	75	78	82	85	87	78	97	104	108	112	115
Revenue per Share	1.36	6.9	11.5	4.92	5.49	5.96	7.04	8.39	3.91	8.4	11.47	7.97	7.04	8.72
EBITDA per Share	0.01	0.14	0.68	0.29	0.39	0.56	0.65	0.71	0.69	0.45	0.42	0.44	0.53	0.55
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-1.03	0.63	-2.18	-0.07	-1.88	-1.88	-1.52	-0.35	-3.05	0.19	2.8	0.36	0.46	1.18
Basic EPS from Cont Ops	-1.03	0.63	-2.18	-0.07	-1.88	-1.88	-1.52	-0.35	-2.41	0.19	2.8	0.36	0.46	1.18
Diluted EPS, GAAP	-1.03	0.63	-2.18	-0.07	-1.88	-1.88	-1.52	-0.35	-3.05	0.18	2.79	0.36	0.45	1.16
Diluted EPS from Cont Ops	-1.03	0.63	-2.18	-0.07	-1.88	-1.88	-1.52	-0.35	-2.41	0.18	2.79	0.36	0.45	1.16
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	0.64	- -	- -	- -	- -	- -
Cash Flow per Share	-0.91	0.1	3.3	1	0.01	-7.01	-7.56	-3.1	5.36	2.46	3.63	-10.48	-23.58	-23.79
Free Cash Flow per Basic Share	-0.94	-0.8	1.94	0.47	-0.66	-7.56	-8.19	-3.68	4.96	2.11	2.96	-11.03	-24.06	-25.02
Cash & Equivalents per Share	2.78	4.27	57.59	12.29	10.35	6.35	6.42	5.9	8.56	9.75	13.55	26.49	39.44	8.01
Book Value per Share	-4.6	-4.33	-5.26	-1.13	-2.97	-4.71	-6.11	-6.27	-10.08	-7.35	-4.12	-3.57	-3.01	-1.75
Tangible Book Value per Share	-4.18	-3.03	57.18	12.51	11.78	10.64	10.08	10.15	8.42	7.01	10.36	10.73	11.25	12.37

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Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)