HarborOne Bancorp [HONE] vs LendingClub [LC] Detailed Stock Comparison
HarborOne Bancorp
NASDAQ
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LendingClub
NYSE
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TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: HarborOne Bancorp wins in 9 metrics, LendingClub wins in 8 metrics, with 0 ties. HarborOne Bancorp appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | HarborOne Bancorp | LendingClub | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 19.98 | 26.06 | HarborOne Bancorp |
| Price-to-Book Ratio | 0.91 | 1.36 | HarborOne Bancorp |
| Debt-to-Equity Ratio | 0.79 | 1.59 | HarborOne Bancorp |
| PEG Ratio | 1.80 | 0.17 | LendingClub |
| EV/EBITDA | N/A | 7.33 | N/A |
| Profit Margin (TTM) | 16.00% | 5.93% | HarborOne Bancorp |
| Operating Margin (TTM) | 29.63% | 16.30% | HarborOne Bancorp |
| EBITDA Margin (TTM) | 29.63% | 16.30% | HarborOne Bancorp |
| Return on Equity | 4.56% | 5.50% | LendingClub |
| Return on Assets (TTM) | 0.46% | 0.61% | LendingClub |
| Free Cash Flow (TTM) | $2.60M | $-2.69B | HarborOne Bancorp |
| Dividend Yield | 3.70% | N/A | N/A |
| 1-Year Return | 4.39% | 57.78% | LendingClub |
| Price-to-Sales Ratio (TTM) | 3.42 | 1.53 | LendingClub |
| Enterprise Value | $785.45M | $1.18B | LendingClub |
| EV/Revenue Ratio | 4.77 | 0.95 | LendingClub |
| Revenue per Share (TTM) | $4 | $11 | LendingClub |
| Earnings per Share (Diluted) | $0.65 | $0.64 | HarborOne Bancorp |
| Beta (Stock Volatility) | 0.64 | 2.54 | HarborOne Bancorp |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
HarborOne Bancorp vs LendingClub Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| HarborOne Bancorp | 2.65% | 3.67% | 11.61% | 22.29% | 26.28% | 15.81% |
| LendingClub | 2.44% | 5.44% | 10.66% | 57.22% | 64.09% | 9.36% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| HarborOne Bancorp | 4.39% | -3.35% | 74.16% | 89.78% | 89.78% | 89.78% |
| LendingClub | 57.78% | 54.87% | 289.40% | -73.39% | -85.71% | -85.71% |
News Based Sentiment: HarborOne Bancorp vs LendingClub
HarborOne Bancorp
News based Sentiment: POSITIVE
September was a positive month for HarborOne Bancorp, driven by strong analyst sentiment, continued progress on the Eastern Bankshares merger, and a dividend payout. While some institutional selling occurred, the overall narrative points to a company executing well and poised for growth, making it a compelling investment opportunity.
LendingClub
News based Sentiment: MIXED
LendingClub reported impressive Q2 earnings, driving positive analyst ratings. However, consistent insider selling, including sales by the CEO and a director, introduces a note of caution. This combination of positive performance and insider activity creates a mixed investment narrative.
Performance & Financial Health Analysis: HarborOne Bancorp vs LendingClub
| Metric | HONE | LC |
|---|---|---|
| Market Information | ||
| Market Cap | $565.39M | $1.91B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 186,550 | 1,223,500 |
| 90 Day Avg. Volume | 189,087 | 1,563,977 |
| Last Close | $13.55 | $17.64 |
| 52 Week Range | $8.89 - $13.73 | $7.90 - $18.75 |
| % from 52W High | -1.31% | -5.92% |
| All-Time High | $15.56 (Oct 31, 2022) | $146.45 (Dec 15, 2014) |
| % from All-Time High | -12.92% | -87.95% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.05% | 0.19% |
| Quarterly Earnings Growth | 0.10% | 1.56% |
| Financial Health | ||
| Profit Margin (TTM) | 0.16% | 0.06% |
| Operating Margin (TTM) | 0.30% | 0.16% |
| Return on Equity (TTM) | 0.05% | 0.06% |
| Debt to Equity (MRQ) | 0.79 | 1.59 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $14.32 | $12.25 |
| Cash per Share (MRQ) | $5.00 | $6.56 |
| Operating Cash Flow (TTM) | $46.78M | $-1,907,550,976 |
| Levered Free Cash Flow (TTM) | $27.41M | $-621,227,136 |
| Dividends | ||
| Last 12-Month Dividend Yield | 3.70% | N/A |
| Last 12-Month Dividend | $0.43 | N/A |
Valuation & Enterprise Metrics Analysis: HarborOne Bancorp vs LendingClub
| Metric | HONE | LC |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 19.98 | 26.06 |
| Forward P/E | 14.93 | 19.86 |
| PEG Ratio | 1.80 | 0.17 |
| Price to Sales (TTM) | 3.42 | 1.53 |
| Price to Book (MRQ) | 0.91 | 1.36 |
| Market Capitalization | ||
| Market Capitalization | $565.39M | $1.91B |
| Enterprise Value | $785.45M | $1.18B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 4.77 | 0.95 |
| Enterprise to EBITDA | N/A | 7.33 |
| Risk & Other Metrics | ||
| Beta | 0.64 | 2.54 |
| Book Value per Share (MRQ) | $14.32 | $12.25 |
Financial Statements Comparison: HarborOne Bancorp vs LendingClub
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | HONE | LC |
|---|---|---|
| Revenue/Sales | $40.09M | $217.71M |
| Cost of Goods Sold | N/A | N/A |
| Gross Profit | N/A | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| EBITDA | N/A | N/A |
| Pre-Tax Income | $7.13M | $15.70M |
| Income Tax | $1.63M | $4.02M |
| Net Income (Profit) | $5.50M | $11.67M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | HONE | LC |
|---|---|---|
| Cash & Equivalents | $230.49M | $895.52M |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $399.55M | $25.57M |
| Total Shareholders Equity | $575.97M | $1.36B |
| Retained Earnings | $375.71M | $-325.81M |
| Property, Plant & Equipment | N/A | $19.27M |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | HONE | LC |
|---|---|---|
| Operating Cash Flow | $24.70M | $-386.43M |
| Capital Expenditures | $-208,000 | $-13.07M |
| Free Cash Flow | $23.15M | $-352.32M |
| Debt Repayment | $-60.01M | $0 |
| Common Stock Repurchase | $-6.38M | N/A |
Short Interest & Institutional Ownership Analysis
| Metric | HONE | LC |
|---|---|---|
| Shares Short | 580,269 | 5.46M |
| Short Ratio | 2.82 | 2.36 |
| Short % of Float | 0.02% | 0.05% |
| Average Daily Volume (10 Day) | 186,550 | 1,223,500 |
| Average Daily Volume (90 Day) | 189,087 | 1,563,977 |
| Shares Outstanding | 43.72M | 113.38M |
| Float Shares | 32.75M | 105.39M |
| % Held by Insiders | 0.13% | 0.03% |
| % Held by Institutions | 0.62% | 0.81% |
Dividend Analysis & Yield Comparison: HarborOne Bancorp vs LendingClub
| Metric | HONE | LC |
|---|---|---|
| Last 12-Month Dividend | $0.43 | N/A |
| Last 12-Month Dividend Yield | 3.70% | N/A |
| 3-Year Avg Annual Dividend | $0.34 | N/A |
| 3-Year Avg Dividend Yield | 0.71% | N/A |
| 3-Year Total Dividends | $1.01 | N/A |
| Ex-Dividend Date | Sep 03, 2025 | N/A |