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LendingClub Corporation (LC) Stock Analysis

Falling Knife setup

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $15.25, but acceptable to hold if already in. Reason: Negative momentum.

LendingClub operates a nationally chartered digital marketplace bank focused on personal loans, auto refinance, and point-of-sale financing for creditworthy U.S. consumers. Revenue comes from origination fees, servicing fees on marketplace loan sales, and net interest income on... Read more

$15.25+31.5% A.UpsideScore 6.2/10#35 of 142 Banks - Regional
QualityF-score6 / 9FCF yield15.83%
Stop $14.68Target $20.05(analyst − 13%)A.R:R 4.0:1
Analyst target$23.05+51.1%10 analysts
$20.05our TP
$15.25price
$23.05mean
$29

Hold if already holding. Not a fresh buy at $15.25, but acceptable to hold if already in. Reason: Negative momentum. Chart setup: Death cross, below all MAs, RSI 35, MACD bearish. Maintain position. Not compelling to add more. Score 6.2/10, moderate confidence.

Passes 7/8 gates (favorable risk/reward ratio, clean insider activity, no SEC red flags, news events none recent, earnings proximity 70d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum. Suitability: aggressive.

Recent Developments — LendingClub Corporation

Generated 2026-05-20T20:21:21Z.

Thesis

Rewards
Sector modifier (Financial Services): +1.0
Strong earnings beat streak (3/4)
Attractive valuation
Risks
Negative momentum

Key Metrics

P/E (TTM)10.4
P/E (Fwd)6.8
Mkt Cap$1.8B
EV/EBITDA3.5
Profit Mgn12.8%
ROE12.2%
Rev Growth12.5%
Beta2.01
DividendNone
Rating analysts19

Quality Signals

Piotroski F6/9MoatNarrow

Options Flow

P/C1.89bearish
IV54%elevated

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

1 floor-breaker·1 ceiling hit

Price action weak — below key moving averages, no momentum carry. Needs a base before trend-continuation setups apply.static

Macd
0.0
Volume
0.1
Ma Position
2.2
Rsi
3.5
Obv
10.0
Volume accumulation (rising OBV)Below 200-MA but MA still rising (+3.4%/30d) — pullback in uptrend, not confirmed weakness
GatesMomentum 3.2<4.5A.R:R 4.0 ≥ 1.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 70d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARFalling KnifeSuitability: Aggressive
RSI
35 · Neutral
20D MA 50D MA 200D MADEATH CROSSSupport $15.13Resistance $18.88

Price Targets

$15
$20
A.Upside+31.5%
A.R:R4.0:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeRisk-Off

Risk Alerts

! Momentum score 3.2/10 — below 4.5 minimum

Earnings

B
B
B
M
3/4 beats
Next Earnings2026-07-28 (70d)

Verdict History

reverse chrono — latest first
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Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is LC stock a buy right now?

Hold if already holding. Not a fresh buy at $15.25, but acceptable to hold if already in. Reason: Negative momentum. Chart setup: Death cross, below all MAs, RSI 35, MACD bearish. Maintain position. Not compelling to add more. Target $20.05 (+31.5%), stop $14.68 (−3.9%), A.R:R 4.0:1. Score 6.2/10, moderate confidence.

What is the LC stock price target?

Take-profit target: $20.05 (+31.5% upside). Target $20.05 (+31.5%), stop $14.68 (−3.9%), A.R:R 4.0:1. Stop-loss: $14.68.

What are the risks of investing in LC?

Negative momentum.

Is LC overvalued or undervalued?

LendingClub Corporation trades at a P/E of 10.4 (forward 6.8). TrendMatrix value score: 9.5/10. Verdict: Hold.

What do analysts say about LC?

19 analysts cover LC with a consensus score of 4.4/5. Average price target: $23.

What does LendingClub Corporation do?LendingClub operates a nationally chartered digital marketplace bank focused on personal loans, auto refinance, and...

LendingClub operates a nationally chartered digital marketplace bank focused on personal loans, auto refinance, and point-of-sale financing for creditworthy U.S. consumers. Revenue comes from origination fees, servicing fees on marketplace loan sales, and net interest income on retained loans; over $100 billion in loans have been originated through its platform since 2006.

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