Triumph Financial [TFIN] vs LendingClub [LC] Detailed Stock Comparison
Triumph Financial
NASDAQ
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LendingClub
NYSE
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: Triumph Financial wins in 5 metrics, LendingClub wins in 12 metrics, with 0 ties. LendingClub appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Triumph Financial | LendingClub | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 134.32 | 26.06 | LendingClub |
| Price-to-Book Ratio | 1.62 | 1.36 | LendingClub |
| Debt-to-Equity Ratio | 0.35 | 1.59 | Triumph Financial |
| PEG Ratio | 1.54 | 0.17 | LendingClub |
| EV/EBITDA | N/A | 7.33 | N/A |
| Profit Margin (TTM) | 3.33% | 5.93% | LendingClub |
| Operating Margin (TTM) | 13.87% | 16.30% | LendingClub |
| EBITDA Margin (TTM) | 13.87% | 16.30% | LendingClub |
| Return on Equity | 1.53% | 5.50% | LendingClub |
| Return on Assets (TTM) | 0.22% | 0.61% | LendingClub |
| Free Cash Flow (TTM) | $-28.59M | $-2.69B | Triumph Financial |
| 1-Year Return | -27.20% | 53.73% | LendingClub |
| Price-to-Sales Ratio (TTM) | 3.43 | 1.53 | LendingClub |
| Enterprise Value | $1.49B | $1.18B | Triumph Financial |
| EV/Revenue Ratio | 3.63 | 0.95 | LendingClub |
| Revenue per Share (TTM) | $17 | $11 | Triumph Financial |
| Earnings per Share (Diluted) | $0.44 | $0.64 | LendingClub |
| Beta (Stock Volatility) | 1.30 | 2.54 | Triumph Financial |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
Triumph Financial vs LendingClub Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Triumph Financial | 4.01% | -7.44% | 9.10% | -0.14% | -1.09% | -33.42% |
| LendingClub | -0.30% | 0.48% | 7.89% | 51.77% | 55.16% | 3.41% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Triumph Financial | -27.20% | -3.37% | 105.21% | 255.81% | 181.43% | 181.43% |
| LendingClub | 53.73% | 31.75% | 236.97% | -75.65% | -86.49% | -86.49% |
News Based Sentiment: Triumph Financial vs LendingClub
Triumph Financial
News based Sentiment: MIXED
September presented a mixed picture for Triumph Financial, with insider selling and a slight stock dip balanced by management's confidence in revenue growth and a continued dividend payout. The upcoming Q3 earnings report will be critical in determining the company's overall performance and future direction, making this a moderately significant month for investors.
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: Triumph Financial vs LendingClub
| Metric | TFIN | LC |
|---|---|---|
| Market Information | ||
| Market Cap | $1.40B | $1.91B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 199,130 | 1,223,500 |
| 90 Day Avg. Volume | 194,040 | 1,563,977 |
| Last Close | $59.10 | $16.68 |
| 52 Week Range | $42.90 - $110.58 | $7.90 - $18.75 |
| % from 52W High | -46.55% | -11.04% |
| All-Time High | $136.01 (Dec 06, 2021) | $146.45 (Dec 15, 2014) |
| % from All-Time High | -56.55% | -88.61% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.08% | 0.19% |
| Quarterly Earnings Growth | 0.61% | 1.56% |
| Financial Health | ||
| Profit Margin (TTM) | 0.03% | 0.06% |
| Operating Margin (TTM) | 0.14% | 0.16% |
| Return on Equity (TTM) | 0.02% | 0.06% |
| Debt to Equity (MRQ) | 0.35 | 1.59 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $36.56 | $12.25 |
| Cash per Share (MRQ) | $11.90 | $6.56 |
| Operating Cash Flow (TTM) | $53.62M | $-1,907,550,976 |
| Levered Free Cash Flow (TTM) | $12.88M | $-621,227,136 |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | N/A |
| Last 12-Month Dividend | $0.00 | N/A |
Valuation & Enterprise Metrics Analysis: Triumph Financial vs LendingClub
| Metric | TFIN | LC |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 134.32 | 26.06 |
| Forward P/E | 36.48 | 19.86 |
| PEG Ratio | 1.54 | 0.17 |
| Price to Sales (TTM) | 3.43 | 1.53 |
| Price to Book (MRQ) | 1.62 | 1.36 |
| Market Capitalization | ||
| Market Capitalization | $1.40B | $1.91B |
| Enterprise Value | $1.49B | $1.18B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 3.63 | 0.95 |
| Enterprise to EBITDA | N/A | 7.33 |
| Risk & Other Metrics | ||
| Beta | 1.30 | 2.54 |
| Book Value per Share (MRQ) | $36.56 | $12.25 |
Financial Statements Comparison: Triumph Financial 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) | TFIN | LC |
|---|---|---|
| Revenue/Sales | $101.57M | $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 | $70,000 | $15.70M |
| Income Tax | $53,000 | $4.02M |
| Net Income (Profit) | $17,000 | $11.67M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | TFIN | LC |
|---|---|---|
| Cash & Equivalents | $282.35M | $895.52M |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $292.45M | $25.57M |
| Total Shareholders Equity | $912.38M | $1.36B |
| Retained Earnings | $552.05M | $-325.81M |
| Property, Plant & Equipment | N/A | $19.27M |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | TFIN | LC |
|---|---|---|
| Operating Cash Flow | $10.57M | $-386.43M |
| Capital Expenditures | $-2.39M | $-13.07M |
| Free Cash Flow | $-3.17M | $-352.32M |
| Debt Repayment | N/A | $0 |
| Common Stock Repurchase | $-2.10M | N/A |
Short Interest & Institutional Ownership Analysis
| Metric | TFIN | LC |
|---|---|---|
| Shares Short | 2.24M | 5.46M |
| Short Ratio | 11.63 | 2.36 |
| Short % of Float | 0.14% | 0.05% |
| Average Daily Volume (10 Day) | 199,130 | 1,223,500 |
| Average Daily Volume (90 Day) | 194,040 | 1,563,977 |
| Shares Outstanding | 23.39M | 113.38M |
| Float Shares | 21.32M | 105.39M |
| % Held by Insiders | 0.05% | 0.03% |
| % Held by Institutions | 0.97% | 0.81% |
Dividend Analysis & Yield Comparison: Triumph Financial vs LendingClub
| Metric | TFIN | LC |
|---|---|---|
| Last 12-Month Dividend | $0.00 | N/A |
| Last 12-Month Dividend Yield | N/A | N/A |
| 3-Year Avg Annual Dividend | $0.00 | N/A |
| 3-Year Avg Dividend Yield | N/A | N/A |
| 3-Year Total Dividends | $0.00 | N/A |
| Ex-Dividend Date | N/A | N/A |