Republic Bancorp [RBCAA] vs LendingClub [LC] Detailed Stock Comparison

Republic Bancorp

NASDAQ
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LendingClub

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Republic Bancorp wins in 12 metrics, LendingClub wins in 5 metrics, with 0 ties. Republic Bancorp appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Republic Bancorp LendingClub Better
P/E Ratio (TTM) 11.18 24.06 Republic Bancorp
Price-to-Book Ratio 1.31 1.26 LendingClub
Debt-to-Equity Ratio 0.46 1.59 Republic Bancorp
PEG Ratio 0.47 0.16 LendingClub
EV/EBITDA N/A 6.01 N/A
Profit Margin (TTM) 33.67% 5.93% Republic Bancorp
Operating Margin (TTM) 44.69% 16.30% Republic Bancorp
EBITDA Margin (TTM) 44.69% 16.30% Republic Bancorp
Return on Equity 12.34% 5.50% Republic Bancorp
Return on Assets (TTM) 1.83% 0.61% Republic Bancorp
Free Cash Flow (TTM) $143.19M $-2.69B Republic Bancorp
Dividend Yield 2.87% N/A N/A
1-Year Return 7.74% 28.32% LendingClub
Price-to-Sales Ratio (TTM) 3.77 1.42 LendingClub
Enterprise Value $1.41B $969.13M Republic Bancorp
EV/Revenue Ratio 3.81 0.78 LendingClub
Revenue per Share (TTM) $19 $11 Republic Bancorp
Earnings per Share (Diluted) $6.37 $0.64 Republic Bancorp
Beta (Stock Volatility) 0.55 2.49 Republic Bancorp
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

Republic Bancorp vs LendingClub Stock Performance Analysis

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Republic Bancorp
LendingClub
Republic Bancorp Stock Overview | LendingClub Stock Overview

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Republic Bancorp-2.80%-0.21%-6.92%-6.39%12.35%2.48%
LendingClub-6.14%6.55%-3.22%27.60%60.62%-1.12%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Republic Bancorp7.74%73.88%115.29%177.47%235.71%279.50%
LendingClub28.32%45.66%220.28%-77.79%-87.08%-87.08%

News Based Sentiment: Republic Bancorp vs LendingClub

Republic Bancorp

News based Sentiment: MIXED

The month featured a notable contrast between significant insider buying activity across multiple executive levels and a declining stock price accompanied by negative technical signals. This mixed picture creates uncertainty and warrants close monitoring of the upcoming earnings announcement to determine the company's future direction.

View Republic Bancorp News Sentiment Analysis

LendingClub

News based Sentiment: MIXED

October was a mixed month for LendingClub, with an analyst downgrade and insider selling countered by an undervaluation assessment and strong Q2 earnings. The conflicting signals create a nuanced investment picture, making it a moderately important month for investors to assess the company's trajectory.

View LendingClub News Sentiment Analysis

Performance & Financial Health Analysis: Republic Bancorp vs LendingClub

MetricRBCAALC
Market Information
Market Cap i$1.39B$1.83B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i20,7291,498,682
90 Day Avg. Volume i22,1631,429,601
Last Close$68.72$14.97
52 Week Range$56.79 - $80.68$7.90 - $18.75
% from 52W High-14.82%-20.16%
All-Time High$80.68 (Nov 25, 2024)$146.45 (Dec 15, 2014)
% from All-Time High-14.82%-89.78%
Growth Metrics
Quarterly Revenue Growth0.13%0.19%
Quarterly Earnings Growth0.25%1.56%
Financial Health
Profit Margin (TTM) i0.34%0.06%
Operating Margin (TTM) i0.45%0.16%
Return on Equity (TTM) i0.12%0.06%
Debt to Equity (MRQ) i0.461.59
Cash & Liquidity
Book Value per Share (MRQ)$54.29$12.25
Cash per Share (MRQ)$25.21$6.56
Operating Cash Flow (TTM) i$175.43M$-1,907,550,976
Levered Free Cash Flow (TTM) i$101.37M$-621,227,136
Dividends
Last 12-Month Dividend Yield i2.87%N/A
Last 12-Month Dividend i$2.17N/A

Valuation & Enterprise Metrics Analysis: Republic Bancorp vs LendingClub

MetricRBCAALC
Price Ratios
P/E Ratio (TTM) i11.1824.06
Forward P/E i12.7418.33
PEG Ratio i0.470.16
Price to Sales (TTM) i3.771.42
Price to Book (MRQ) i1.311.26
Market Capitalization
Market Capitalization i$1.39B$1.83B
Enterprise Value i$1.41B$969.13M
Enterprise Value Metrics
Enterprise to Revenue i3.810.78
Enterprise to EBITDA iN/A6.01
Risk & Other Metrics
Beta i0.552.49
Book Value per Share (MRQ) i$54.29$12.25

Financial Statements Comparison: Republic Bancorp vs LendingClub

Financial Metrics

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Revenue

EBITDA

Shareholders Equity

Operating Margin

Free Cash Flow

Long Term Debt

Profit Margin

Current Ratio

Operating Cash Flow

Income Statement (MRQ)

Metric (MRQ)RBCAALC
Revenue/Sales i$134.21M$217.71M
Cost of Goods Sold iN/AN/A
Gross Profit iN/AN/A
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
EBITDA iN/AN/A
Pre-Tax Income i$59.96M$15.70M
Income Tax i$12.69M$4.02M
Net Income (Profit) i$47.27M$11.67M

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)RBCAALC
Cash & Equivalents i$793.02M$895.52M
Total Current Assets iN/AN/A
Total Current Liabilities iN/AN/A
Long-Term Debt i$406.83M$25.57M
Total Shareholders Equity i$1.03B$1.36B
Retained Earnings i$889.69M$-325.81M
Property, Plant & Equipment i$67.85M$19.27M

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)RBCAALC
Operating Cash Flow i$77.72M$-386.43M
Capital Expenditures i$-1.63M$-13.07M
Free Cash Flow i$91.56M$-352.32M
Debt Repayment i$-428.00M$0
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricRBCAALC
Shares Short i92,6345.56M
Short Ratio i4.483.91
Short % of Float i0.01%0.05%
Average Daily Volume (10 Day) i20,7291,498,682
Average Daily Volume (90 Day) i22,1631,429,601
Shares Outstanding i19.45M113.38M
Float Shares i9.61M105.45M
% Held by Insiders i0.52%0.03%
% Held by Institutions i0.29%0.81%

Dividend Analysis & Yield Comparison: Republic Bancorp vs LendingClub

MetricRBCAALC
Last 12-Month Dividend i$2.17N/A
Last 12-Month Dividend Yield i2.87%N/A
3-Year Avg Annual Dividend i$1.72N/A
3-Year Avg Dividend Yield i0.74%N/A
3-Year Total Dividends i$5.15N/A
Ex-Dividend DateSep 19, 2025N/A