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LCLendingClub CorporationHold6.0·$17.11-0.23%
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LendingClub Corporation (LC) Stock Analysis

Momentum Cont setup

HoldVALUE-TRAP 1/5Moderate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $17.11, but acceptable to hold if already in. Reason: mixed signals — some dimensions strong, others weak.

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

$17.11+17.2% A.UpsideScore 6.0/10#59 of 142 Banks - Regional
QualityF-score6 / 9FCF yield14.46%
Stop $15.91Target $20.05(analyst − 13%)A.R:R 1.4:1
Analyst target$23.05+34.7%10 analysts
$20.05our TP
$17.11price
$23.05mean
$29

Hold if already holding. Not a fresh buy at $17.11, but acceptable to hold if already in. Reason: mixed signals — some dimensions strong, others weak. Chart setup: Trend continuation, RSI 60, MACD bullish. Maintain position. Not compelling to add more. Score 6.0/10, moderate confidence.

Passes 6/8 gates (positive momentum, clean insider activity, no SEC red flags, earnings proximity 49d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.

news + 30-day 8-K events · 5-min refresh

Recent developments

updated 2026-06-09
TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Tue, Jul 28, 202649d to earnings· next earnings call

Thesis

Rewards
Sector modifier (Financial Services): +1.0
Strong earnings beat streak (3/4)
Attractive valuation
Risks
No bear case signals

Key Metrics

P/E (TTM)11.4
P/E (Fwd)7.4
Mkt Cap$2.0B
EV/EBITDA4.0
Profit Mgn12.8%
ROE12.2%
Rev Growth12.5%
Beta1.97
DividendNone
Rating analysts19

Quality Signals

Piotroski F6/9MoatNarrow

Options Flow

P/C1.92bearish
IV66%elevated
Max Pain$8-53.2% vs spot

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

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Methodology · Editorial policy & full disclaimer

Rating Breakdown

1 ceiling hit

GatesA.R:R 1.4 < 1.5@spotMomentum 5.1<5.5 (soft — BUY_NOW allowed but watch)Momentum 5.1>=4.5Insider activity: OKNo SEC red flagsEARNINGS PROXIMITY 49d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARMomentum ContSuitability: Aggressive
RSI
60 · Neutral
20D MA 50D MA 200D MADEATH CROSSSupport $15.01Resistance $18.40

Price Targets

$16
$20
A.Upside+17.2%
A.R:R1.4:1

Position Sizing

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

Risk Alerts

! asymmetry at 1.4 (below the engine's 1.5 threshold)@spot

Earnings

B
B
B
M
3/4 beats
Next Earnings2026-07-28 (49d)

Verdict History

reverse chrono — latest first
Loading history...
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 $17.11, but acceptable to hold if already in. Reason: mixed signals — some dimensions strong, others weak. Chart setup: Trend continuation, RSI 60, MACD bullish. Maintain position. Not compelling to add more. Target $20.05 (+17.2%), stop $15.91 (−7.5%), A.R:R 1.4:1. Score 6.0/10, moderate confidence.

What is the LC stock price target?

Take-profit target: $20.05 (+17.2% upside). Target $20.05 (+17.2%), stop $15.91 (−7.5%), A.R:R 1.4:1. Stop-loss: $15.91.

Is LC overvalued or undervalued?

LendingClub Corporation trades at a P/E of 11.4 (forward 7.4). TrendMatrix value score: 9.1/10. 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.

Related stocks: GABC (German American Bancorp, Inc.) · IFS (Intercorp Financial Services In) · CUBI (Customers Bancorp, Inc) · NIC (Nicolet Bankshares Inc.) · WSBC (WesBanco, Inc.)
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