LendingClub [LC] vs U.S. Bancorp [USB] Detailed Stock Comparison
LendingClub
NYSE
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U.S. Bancorp
NYSE
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TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: LendingClub wins in 5 metrics, U.S. Bancorp wins in 12 metrics, with 0 ties. U.S. Bancorp appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | LendingClub | U.S. Bancorp | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 23.78 | 11.06 | U.S. Bancorp |
| Price-to-Book Ratio | 1.24 | 1.32 | LendingClub |
| Debt-to-Equity Ratio | 1.59 | 1.34 | U.S. Bancorp |
| PEG Ratio | 0.15 | 0.77 | LendingClub |
| EV/EBITDA | 6.81 | N/A | N/A |
| Profit Margin (TTM) | 5.93% | 27.00% | U.S. Bancorp |
| Operating Margin (TTM) | 16.30% | 37.33% | U.S. Bancorp |
| EBITDA Margin (TTM) | 16.30% | 37.33% | U.S. Bancorp |
| Return on Equity | 5.50% | 11.67% | U.S. Bancorp |
| Return on Assets (TTM) | 0.61% | 1.01% | U.S. Bancorp |
| Free Cash Flow (TTM) | $-2.69B | $11.27B | U.S. Bancorp |
| Dividend Yield | N/A | 4.60% | N/A |
| 1-Year Return | 32.28% | 6.37% | LendingClub |
| Price-to-Sales Ratio (TTM) | 1.40 | 2.81 | LendingClub |
| Enterprise Value | $1.10B | $99.95B | U.S. Bancorp |
| EV/Revenue Ratio | 0.88 | 3.91 | LendingClub |
| Revenue per Share (TTM) | $11 | $16 | U.S. Bancorp |
| Earnings per Share (Diluted) | $0.64 | $4.18 | U.S. Bancorp |
| Beta (Stock Volatility) | 2.46 | 1.03 | U.S. Bancorp |
Performance
Key Stats
Valuation
Financials
Short Interest
Dividends
LendingClub vs U.S. Bancorp Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| LendingClub | 6.18% | 5.23% | 25.75% | 62.94% | 30.79% | 1.12% |
| U.S. Bancorp | 4.54% | 5.07% | 4.55% | 11.92% | 5.81% | 0.84% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| LendingClub | 32.28% | 18.02% | 194.40% | -74.46% | -86.79% | -86.79% |
| U.S. Bancorp | 6.37% | 3.85% | 29.78% | 13.36% | 122.90% | 65.85% |
Performance & Financial Health Analysis: LendingClub vs U.S. Bancorp
| Metric | LC | USB |
|---|---|---|
| Market Information | ||
| Market Cap | $1.75B | $71.91B |
| Market Cap Category | Small cap | Large cap |
| 10 Day Avg. Volume | 1,426,291 | 7,047,730 |
| 90 Day Avg. Volume | 2,175,190 | 10,113,727 |
| Last Close | $16.31 | $48.26 |
| 52 Week Range | $7.90 - $18.75 | $35.18 - $53.98 |
| % from 52W High | -13.01% | -10.59% |
| All-Time High | $146.45 (Dec 15, 2014) | $63.57 (Jan 10, 2022) |
| % from All-Time High | -88.86% | -24.08% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.19% | 0.03% |
| Quarterly Earnings Growth | 1.56% | 0.13% |
| Financial Health | ||
| Profit Margin (TTM) | 0.06% | 0.27% |
| Operating Margin (TTM) | 0.16% | 0.37% |
| Return on Equity (TTM) | 0.06% | 0.12% |
| Debt to Equity (MRQ) | 1.59 | 1.34 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $12.25 | $35.02 |
| Cash per Share (MRQ) | $6.56 | $39.85 |
| Operating Cash Flow (TTM) | $-1,907,550,976 | $7.48B |
| Levered Free Cash Flow (TTM) | $-621,227,136 | $5.91B |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | 4.60% |
| Last 12-Month Dividend | N/A | $1.99 |
Valuation & Enterprise Metrics Analysis: LendingClub vs U.S. Bancorp
| Metric | LC | USB |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 23.78 | 11.06 |
| Forward P/E | 18.12 | 10.67 |
| PEG Ratio | 0.15 | 0.77 |
| Price to Sales (TTM) | 1.40 | 2.81 |
| Price to Book (MRQ) | 1.24 | 1.32 |
| Market Capitalization | ||
| Market Capitalization | $1.75B | $71.91B |
| Enterprise Value | $1.10B | $99.95B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 0.88 | 3.91 |
| Enterprise to EBITDA | 6.81 | N/A |
| Risk & Other Metrics | ||
| Beta | 2.46 | 1.03 |
| Book Value per Share (MRQ) | $12.25 | $35.02 |
Financial Statements Comparison: LendingClub vs U.S. Bancorp
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) | LC | USB |
|---|---|---|
| Revenue/Sales | $217.71M | $6.93B |
| 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 | $15.70M | $2.16B |
| Income Tax | $4.02M | $443.00M |
| Net Income (Profit) | $11.67M | $1.72B |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | LC | USB |
|---|---|---|
| Cash & Equivalents | $895.52M | $50.01B |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $25.57M | $59.86B |
| Total Shareholders Equity | $1.36B | $60.56B |
| Retained Earnings | $-325.81M | $77.69B |
| Property, Plant & Equipment | $19.27M | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | LC | USB |
|---|---|---|
| Operating Cash Flow | $-386.43M | $-750.00M |
| Capital Expenditures | $-13.07M | N/A |
| Free Cash Flow | $-352.32M | $-285.00M |
| Debt Repayment | $0 | $-2.10B |
| Common Stock Repurchase | N/A | $-160.00M |
Short Interest & Institutional Ownership Analysis
| Metric | LC | USB |
|---|---|---|
| Shares Short | 5.67M | 21.33M |
| Short Ratio | 2.64 | 1.70 |
| Short % of Float | 0.05% | 0.01% |
| Average Daily Volume (10 Day) | 1,426,291 | 7,047,730 |
| Average Daily Volume (90 Day) | 2,175,190 | 10,113,727 |
| Shares Outstanding | 113.38M | 1.56B |
| Float Shares | 105.42M | 1.55B |
| % Held by Insiders | 0.03% | 0.00% |
| % Held by Institutions | 0.82% | 0.83% |
Dividend Analysis & Yield Comparison: LendingClub vs U.S. Bancorp
| Metric | LC | USB |
|---|---|---|
| Last 12-Month Dividend | N/A | $1.99 |
| Last 12-Month Dividend Yield | N/A | 4.60% |
| 3-Year Avg Annual Dividend | N/A | $1.78 |
| 3-Year Avg Dividend Yield | N/A | 1.19% |
| 3-Year Total Dividends | N/A | $5.35 |
| Ex-Dividend Date | N/A | Mar 31, 2025 |