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LCLendingClub CorporationHold6.1·$18.60+3.05%
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LendingClub Corporation (LC) Stock Analysis

Momentum Cont setup

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $18.60, but acceptable to hold if already in. Reason: Thin upside margin: 7.9%.

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

$18.60+7.9% A.UpsideScore 6.1/10#42 of 142 Banks - Regional
QualityF-score6 / 9FCF yield13.71%
Stop $17.43Target $20.23(analyst − 13%)A.R:R 0.5:1
Analyst target$23.25+25.0%10 analysts
$20.23our TP
$18.60price
$23.25mean
$29

Hold if already holding. Not a fresh buy at $18.60, but acceptable to hold if already in. Reason: Thin upside margin: 7.9%. Chart setup: Trend continuation, RSI 65, MACD bullish. Maintain position. Not compelling to add more. Score 6.1/10, moderate confidence.

Passes 7/9 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 43d 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 2026-06-15
TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Tue, Jul 28, 202643d to earnings· next earnings call

Thesis

Rewards
Strong earnings beat streak (3/4)
Attractive valuation
Risks
Thin upside margin: 7.9%

Key Metrics

P/E (TTM)12.0
P/E (Fwd)7.8
Mkt Cap$2.1B
EV/EBITDA4.4
Profit Mgn12.8%
ROE12.2%
Rev Growth12.5%
Beta1.97
DividendNone
Rating analysts19

Quality Signals

Piotroski F6/9MoatNarrow

Options Flow

P/C0.38bullish
IV83%elevated
Max Pain$8-57.0% vs spot

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

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Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.

Methodology · Editorial policy & full disclaimer

Rating Breakdown

1 floor-breaker·1 ceiling hit

Technicals below the gate floor. Component breakdown shows what dragged the score down.static

Support Resistance
0.4
Bollinger
0.7
Gap
5.0
52w Position
7.3
GatesA.R:R 0.5 < 1.5@spotMomentum 4.9<5.5 (soft — BUY_NOW allowed but watch)Momentum 4.9>=4.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 43d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARMomentum ContSuitability: Aggressive
RSI
65 · Neutral
20D MA 50D MA 200D MADEATH CROSSSupport $15.01Resistance $18.89

Price Targets

$17
$20
A.Upside+8.8%
A.R:R0.5:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! asymmetry at 0.5 (below the engine's 1.5 threshold)@spot

Earnings

B
B
B
M
3/4 beats
Next Earnings2026-07-28 (43d)

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 $18.60, but acceptable to hold if already in. Reason: Thin upside margin: 7.9%. Chart setup: Trend continuation, RSI 65, MACD bullish. Maintain position. Not compelling to add more. Target $20.23 (+8.8%), stop $17.43 (−6.7%), A.R:R 0.5:1. Score 6.1/10, moderate confidence.

What is the LC stock price target?

Take-profit target: $20.23 (+7.9% upside). Target $20.23 (+8.8%), stop $17.43 (−6.7%), A.R:R 0.5:1. Stop-loss: $17.43.

What are the risks of investing in LC?

Thin upside margin: 7.9%.

Is LC overvalued or undervalued?

LendingClub Corporation trades at a P/E of 12.0 (forward 7.8). TrendMatrix value score: 8.7/10. 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: CUBI (Customers Bancorp, Inc) · INTR (Inter & Co. Inc.) · IFS (Intercorp Financial Services In) · SSB (SouthState Bank Corporation) · GABC (German American Bancorp, Inc.)
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