1st Source [SRCE] vs LendingClub [LC] Detailed Stock Comparison

1st Source

NASDAQ
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LendingClub

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: 1st Source wins in 13 metrics, LendingClub wins in 4 metrics, with 0 ties. 1st Source appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric 1st Source LendingClub Better
P/E Ratio (TTM) 10.63 24.06 1st Source
Price-to-Book Ratio 1.24 1.26 1st Source
Debt-to-Equity Ratio 0.18 1.59 1st Source
PEG Ratio 7.92 0.16 LendingClub
EV/EBITDA N/A 6.01 N/A
Profit Margin (TTM) 36.04% 5.93% 1st Source
Operating Margin (TTM) 49.29% 16.30% 1st Source
EBITDA Margin (TTM) 49.29% 16.30% 1st Source
Return on Equity 11.90% 5.50% 1st Source
Return on Assets (TTM) 1.57% 0.61% 1st Source
Free Cash Flow (TTM) $181.49M $-2.69B 1st Source
Dividend Yield 3.02% N/A N/A
1-Year Return 0.03% 28.32% LendingClub
Price-to-Sales Ratio (TTM) 3.81 1.42 LendingClub
Enterprise Value $1.63B $969.13M 1st Source
EV/Revenue Ratio 4.15 0.78 LendingClub
Revenue per Share (TTM) $16 $11 1st Source
Earnings per Share (Diluted) $5.70 $0.64 1st Source
Beta (Stock Volatility) 0.66 2.49 1st Source
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

1st Source vs LendingClub Stock Performance Analysis

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1st Source
LendingClub
1st Source Stock Overview | LendingClub Stock Overview

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
1st Source-2.95%-0.38%-5.89%-7.54%6.70%4.00%
LendingClub-6.14%6.55%-3.22%27.60%60.62%-1.12%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
1st Source0.03%20.74%81.40%94.94%254.66%236.02%
LendingClub28.32%45.66%220.28%-77.79%-87.08%-87.08%

News Based Sentiment: 1st Source vs LendingClub

1st Source

News based Sentiment: NEUTRAL

October saw analyst downgrades and institutional selling, but also a planned leadership transition and an upcoming earnings report. These events balance each other out, suggesting a period of stability and cautious observation for investors rather than a major shift in the company's outlook.

View 1st Source 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: 1st Source vs LendingClub

MetricSRCELC
Market Information
Market Cap i$1.49B$1.83B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i71,0001,498,682
90 Day Avg. Volume i74,5501,429,601
Last Close$58.31$14.97
52 Week Range$52.14 - $68.13$7.90 - $18.75
% from 52W High-14.41%-20.16%
All-Time High$68.13 (Nov 25, 2024)$146.45 (Dec 15, 2014)
% from All-Time High-14.41%-89.78%
Growth Metrics
Quarterly Revenue Growth0.03%0.19%
Quarterly Earnings Growth0.01%1.56%
Financial Health
Profit Margin (TTM) i0.36%0.06%
Operating Margin (TTM) i0.49%0.16%
Return on Equity (TTM) i0.12%0.06%
Debt to Equity (MRQ) i0.181.59
Cash & Liquidity
Book Value per Share (MRQ)$48.86$12.25
Cash per Share (MRQ)$6.08$6.56
Operating Cash Flow (TTM) i$218.55M$-1,907,550,976
Levered Free Cash Flow (TTM) i$131.40M$-621,227,136
Dividends
Last 12-Month Dividend Yield i3.02%N/A
Last 12-Month Dividend i$1.84N/A

Valuation & Enterprise Metrics Analysis: 1st Source vs LendingClub

MetricSRCELC
Price Ratios
P/E Ratio (TTM) i10.6324.06
Forward P/E i11.5218.33
PEG Ratio i7.920.16
Price to Sales (TTM) i3.811.42
Price to Book (MRQ) i1.241.26
Market Capitalization
Market Capitalization i$1.49B$1.83B
Enterprise Value i$1.63B$969.13M
Enterprise Value Metrics
Enterprise to Revenue i4.150.78
Enterprise to EBITDA iN/A6.01
Risk & Other Metrics
Beta i0.662.49
Book Value per Share (MRQ) i$48.86$12.25

Financial Statements Comparison: 1st Source 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)SRCELC
Revenue/Sales i$108.25M$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$48.13M$15.70M
Income Tax i$10.80M$4.02M
Net Income (Profit) i$37.33M$11.67M

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)SRCELC
Cash & Equivalents i$87.82M$895.52M
Total Current Assets iN/AN/A
Total Current Liabilities iN/AN/A
Long-Term Debt i$99.97M$25.57M
Total Shareholders Equity i$1.22B$1.36B
Retained Earnings i$921.72M$-325.81M
Property, Plant & Equipment i$85.04M$19.27M

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)SRCELC
Operating Cash Flow i$69.21M$-386.43M
Capital Expenditures i$-1.61M$-13.07M
Free Cash Flow i$69.28M$-352.32M
Debt Repayment i$-1.73M$0
Common Stock Repurchase i$-455,000N/A

Short Interest & Institutional Ownership Analysis

MetricSRCELC
Shares Short i177,1115.56M
Short Ratio i2.713.91
Short % of Float i0.01%0.05%
Average Daily Volume (10 Day) i71,0001,498,682
Average Daily Volume (90 Day) i74,5501,429,601
Shares Outstanding i24.52M113.38M
Float Shares i17.36M105.45M
% Held by Insiders i0.26%0.03%
% Held by Institutions i0.75%0.81%

Dividend Analysis & Yield Comparison: 1st Source vs LendingClub

MetricSRCELC
Last 12-Month Dividend i$1.84N/A
Last 12-Month Dividend Yield i3.02%N/A
3-Year Avg Annual Dividend i$1.49N/A
3-Year Avg Dividend Yield i0.64%N/A
3-Year Total Dividends i$4.46N/A
Ex-Dividend DateAug 05, 2025N/A