
LendingClub (LC) Stock Forecast & Price Target
LendingClub (LC) Analyst Ratings
Bulls say
LendingClub is a company engaged in operating an online lending marketplace platform that connects borrowers and investors for the provision of loan facilities, generating revenue through transaction fees and interest income. Despite facing potential risks such as competition, credit risk, regulatory changes, and interest rate fluctuations, LendingClub's strong financial performance with expected EPS growth of 54% y/y in 2026 and 58% y/y in 2027, along with a projected return on tangible common equity of 19.5% in 2027, make it a favorable investment option with a valuation that shows potential for significant upside.
Bears say
LendingClub is facing several challenges, such as the transition to fair value accounting, tight credit regulations, and increased expenses from marketing and channel/vertical expansion. Despite a strong 1Q, concerns remain about the company's ability to scale and generate profitability, as evidenced by the quarterly increase in expenses and projected lower net interest margin. Additionally, competition from other fintech companies and potential constraints in marketplace lending could impact the company's growth and EPS in the future.
This aggregate rating is based on analysts' research of LendingClub and is not a guaranteed prediction by Public.com or investment advice.
LendingClub (LC) Analyst Forecast & Price Prediction
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