LendingClub (LC) | Financial Analysis & Statements
Financial Overview
Latest Annual: 2024Income Metrics
Revenue
787.0M
Net Income
51.3M
6.52%
EPS (Diluted)
$0.45
Balance Sheet Metrics
Total Assets
10.6B
Total Liabilities
9.3B
Shareholders Equity
1.3B
Debt to Equity
6.92
Cash Flow Metrics
Operating Cash Flow
-2.7B
Free Cash Flow
-2.7B
Revenue & Profitability Trend
LendingClub Income Statement From 2020 to 2024
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Revenue | 787.0M | 864.6M | 1.2B | 818.6M | 304.9M |
| Cost of Goods Sold | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | 332.6M | 355.8M | 537.1M | 444.5M | 304.0M |
| Operating Income | - | - | - | - | - |
| Pre-tax Income | 65.1M | 54.6M | 153.0M | 18.4M | -187.6M |
| Income Tax | 13.7M | 15.7M | -136.6M | -136.0K | -79.0K |
| Net Income | 51.3M | 38.9M | 289.7M | 18.6M | -187.5M |
| EPS (Diluted) | $0.45 | $0.36 | $2.79 | $0.18 | -$2.63 |
Income Statement Trend
LendingClub Balance Sheet From 2020 to 2024
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Assets | |||||
| Current Assets | - | - | - | - | - |
| Non-Current Assets | - | - | - | - | - |
| Total Assets | 10.6B | - | - | - | - |
| Liabilities | |||||
| Current Liabilities | - | - | - | - | - |
| Non-Current Liabilities | - | - | - | - | - |
| Total Liabilities | 9.3B | - | - | - | - |
| Equity | |||||
| Total Shareholders Equity | 1.3B | 1.3B | 1.2B | 850.2M | 724.2M |
Balance Sheet Composition
LendingClub Cash Flow Statement From 2020 to 2024
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Operating Activities | |||||
| Net Income | 51.3M | 38.9M | 289.7M | 18.6M | -187.5M |
| Operating Cash Flow | -2.7B | -1.2B | 289.7M | 212.5M | 428.8M |
| Investing Activities | |||||
| Capital Expenditures | -54.3M | -59.5M | -69.5M | -34.4M | -31.1M |
| Investing Cash Flow | 831.7M | -28.1M | -210.4M | 624.9M | 147.2M |
| Financing Activities | |||||
| Dividends Paid | - | - | 0 | 0 | -50.2M |
| Financing Cash Flow | -32.9M | -131.8M | -487.0M | -539.5M | -2.5B |
| Free Cash Flow | -2.7B | -1.2B | 306.1M | 205.5M | 386.9M |
Cash Flow Trend
LendingClub Key Financial Ratios
Valuation Ratios
P/E Ratio (TTM)
25.02
Forward P/E
13.11
Price to Book
0.92
Price to Sales
1.05
PEG Ratio
13.11
Profitability Ratios
Profit Margin
4.25%
Operating Margin
5.24%
Return on Equity
3.86%
Return on Assets
0.41%
Financial Health
Current Ratio
3.97
Debt to Equity
1.87
Beta
2.43
Per Share Data
EPS (TTM)
$0.44
Book Value per Share
$11.95
Revenue per Share
$10.63
Peer Financial Comparison
| Company | Market Cap | P/E Ratio | P/B Ratio | ROE | Profit Margin | Debt/Equity |
|---|---|---|---|---|---|---|
| lc | 1.3B | 25.02 | 0.92 | 3.86% | 4.25% | 1.87 |
| PNC Financial | 70.3B | 12.56 | 1.39 | 11.33% | 28.75% | 1.12 |
| U.S. Bancorp | 69.7B | 11.08 | 1.31 | 11.53% | 26.38% | 1.34 |
| Enterprise Financial | 2.0B | 10.65 | 1.11 | 10.82% | 31.46% | 0.34 |
| OFG Bancorp | 1.9B | 10.09 | 1.46 | 15.46% | 31.15% | 0.21 |
Financial data is updated regularly. All figures are in the company's reporting currency.