Lending Club (LC) stock price, revenue, and financials

Lending Club market cap is $367.5 m, and annual revenue was $758.61 m in FY 2019

$367.5 M

LC Mkt cap, 22-May-2020

$120.2 M

Lending Club Revenue Q1, 2020
Lending Club Net income (Q1, 2020)-48.1 M
Lending Club Cash, 31-Mar-2020294.3 M
Lending Club EV182.6 M

Lending Club Revenue Breakdown

Embed Graph

Lending Club revenue breakdown by business segment: 84.2% from Transaction fees, 13.5% from Servicing fees and 2.3% from Other

Lending Club Income Statement

Annual

USDFY, 2015FY, 2016FY, 2017FY, 2018FY, 2019

Revenue

562.4m689.0m574.5m694.8m758.6m

Revenue growth, %

166%23%(17%)21%

Cost of goods sold

549.7m688.4m

Gross profit

12.6m620.0k

Gross profit Margin, %

2%0%

Sales and marketing expense

171.5m216.7m229.9m268.5m279.4m

R&D expense

77.1m115.4m142.3m155.3m168.4m

General and administrative expense

238.3m

Operating expense total

432.1m651.0m728.0m822.9m699.9m

EBIT

3.2m8.3m

EBIT margin, %

1%1%

Interest expense

571.4m385.6m46.2m

Interest income

611.3m487.5m345.3m

Pre tax profit

(2.2m)(150.2m)(153.4m)(128.1m)(30.9m)

Income tax expense

2.8m(4.2m)632.0k43.0k(201.0k)

Net Income

(5.0m)(146.0m)(154.0m)(128.2m)(30.7m)

Lending Club Balance Sheet

Annual

USDFY, 2012FY, 2013FY, 2014FY, 2015FY, 2016FY, 2017FY, 2018FY, 2019

Cash

31.2m49.3m869.8m623.5m515.6m401.7m373.0m243.8m

Accounts Receivable

40.3m

Inventories

PP&E

524.9k12.6m27.1m55.9m89.3m101.9m113.9m114.4m

Goodwill

72.6m72.7m35.6m35.6m

Total Assets

403.3m1.9b3.9b5.8b5.6b4.6b3.8b3.0b

Accounts Payable

879.6k4.5m5.9m5.5m10.9m9.4m7.1m10.9m

Short-term debt

Long-term debt

32.1m

Total Debt

32.1m

Total Liabilities

367.0m1.9b2.9b4.8b4.6b3.7b2.9b2.1b

Common Stock

91.1k138.0k3.7m3.8m4.2m4.3m892.0k

Preferred Stock

84.8m103.2m

Additional Paid-in Capital

15.0m1.1b1.1b1.2b1.3b1.4b1.5b

Retained Earnings

(53.4m)(50.3m)(83.2m)(88.2m)(234.2m)(389.4m)(517.7m)(548.5m)

Total Equity

(48.5m)68.1m973.2m1.0b975.8m927.8m871.0m900.2m

Financial Leverage

-8.3 x28.5 x4 x5.6 x5.7 x5 x4.4 x3.3 x

Quarterly

USDQ1, 2012Q2, 2012Q3, 2012Q1, 2013Q2, 2013Q3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018Q2, 2018Q3, 2018Q1, 2019Q2, 2019Q3, 2019Q1, 2020

Cash

9.6m32.2m24.7m51.3m54.6m62.2m64.6m69.0m82.7m874.1m490.5m579.2m583.8m572.9m520.8m534.5m538.4m384.4m405.1m434.2m348.0m402.3m334.7m200.0m294.3m

Accounts Receivable

354.1k360.8k519.8k

Prepaid Expenses

92.1k220.5k406.8k2.1m3.0m2.6m

PP&E

327.7k376.7k398.2k3.0m5.0m8.4m15.0m19.4m23.7m31.3m39.1m47.1m64.2m75.1m82.6m92.3m97.9m100.7m107.2m110.9m110.5m118.2m119.6m117.2m116.0m

Goodwill

72.7m72.6m72.7m72.7m72.7m37.3m35.6m35.6m35.6m35.6m35.6m

Total Assets

199.4m264.5m326.8m1.1b1.3b1.6b2.2b2.6b2.8b4.3b4.8b5.4b5.9b5.6b5.6b5.2b5.0b4.8b4.3b3.9b3.6b3.4b3.1b3.0b2.8b

Accounts Payable

279.5k1.3m752.7k2.2m3.1m2.3m3.2m4.0m3.4m3.9m5.1m3.8m5.9m7.7m7.7m7.5m13.5m7.5m3.4m13.8m8.8m24.8m8.7m15.5m5.3m

Long-term debt

49.5m49.2m74.0m349.2m109.5m

Total Debt

49.5m49.2m74.0m349.2m109.5m

Total Liabilities

186.8m229.2m294.3m1.0b1.3b1.5b2.2b2.4b2.7b3.3b3.8b4.3b4.9b4.6b4.6b4.3b4.0b3.8b3.3b3.1b2.7b2.6b2.2b2.2b2.0b

Common Stock

87.1k88.2k88.9k125.0k127.0k136.0k142.0k297.0k609.0k3.7m3.7m3.8m3.8m3.9m4.0m4.1m4.1m4.2m4.2m4.3m4.3m4.3m876.0k886.0k699.0k

Preferred Stock

52.9m78.8m78.8m103.0m103.2m103.2m103.2m173.7m177.3m2.0k

Additional Paid-in Capital

4.3m4.4m4.5m7.7m8.8m11.7m23.1m30.0m37.8m1.1b1.1b1.1b1.2b1.2b1.2b1.3b1.3b1.3b1.3b1.4b1.4b1.4b1.4b1.5b1.5b

Retained Earnings

(44.6m)(47.9m)(50.8m)(57.6m)(55.9m)(53.2m)(57.6m)(66.8m)(74.2m)(89.6m)(93.7m)(92.8m)(84.1m)(165.4m)(201.9m)(265.4m)(290.9m)(297.4m)(420.6m)(481.5m)(504.3m)(537.7m)(548.3m)(548.7m)(646.8m)

Total Equity

(40.2m)(43.4m)(46.2m)(49.8m)(46.9m)(41.4m)68.8m137.1m141.5m982.1m995.9m1.0b1.1b988.0m976.5m972.4m984.0m999.9m915.1m874.2m868.1m865.9m874.3m887.9m796.5m

Financial Leverage

-5 x-6.1 x-7.1 x-21.6 x-28.1 x-39 x32.4 x18.8 x19.9 x4.4 x4.8 x5.3 x5.7 x5.7 x5.7 x5.4 x5.1 x4.8 x4.7 x4.5 x4.1 x3.9 x3.5 x3.4 x3.5 x

Lending Club Cash Flow

Quarterly

USDQ1, 2012Q2, 2012Q3, 2012Q1, 2013Q2, 2013Q3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018Q2, 2018Q3, 2018Q1, 2019Q2, 2019Q3, 2019Q1, 2020

Net Income

(3.1m)(6.5m)(9.3m)40.0k1.7m4.5m(7.3m)(16.5m)(23.9m)(6.4m)(10.5m)(9.6m)4.1m(77.2m)(113.7m)(29.8m)(31.2m)(92.0m)(114.7m)(19.9m)(30.5m)(30.9m)(48.1m)

Depreciation and Amortization

27.1k60.6k101.1k174.0k495.0k907.0k1.0m3.5m6.6m4.7m9.8m15.5m6.7m13.7m21.4m10.3m21.1m32.4m11.7m24.3m39.9m15.9m30.2m44.0m12.9m

Accounts Receivable

(151.1k)(251.5k)(410.5k)

Accounts Payable

(33.3k)998.6k493.0k1.0m1.9m1.1m(131.0k)68.0k(1.1m)(1.8m)(669.0k)(3.1m)(123.0k)2.0m1.9m(3.8m)1.6m(3.8m)(6.1m)4.2m(883.0k)16.8m1.7m7.0m(5.4m)

Cash From Operating Activities

(2.9m)(5.2m)(8.9m)3.0m6.5m16.2m20.1m22.1m35.4m6.5m21.8m53.4m9.9m(1.2m)(7.7m)(17.1m)(30.7m)(160.8m)13.7m(212.5m)(262.2m)244.0m134.0m(124.7m)(216.4m)

Purchases of PP&E

(139.7k)(222.3k)(284.4k)(1.6m)(4.0m)(7.7m)(5.0m)(9.4m)(15.0m)(6.2m)(16.0m)(25.9m)(10.5m)(26.9m)(39.0m)(7.9m)(19.7m)(31.8m)(13.6m)(25.4m)(37.9m)(15.9m)(27.6m)(39.0m)(11.4m)

Cash From Investing Activities

(35.9m)(82.5m)(146.5m)(228.7m)(483.4m)(782.3m)(314.3m)(673.8m)(925.5m)(478.7m)(1.4b)(1.9b)(356.0m)(266.9m)(340.9m)190.0m364.1m559.4m229.7m456.0m660.3m161.1m346.5m489.7m143.4m

Short-term Borrowings

(19.7m)(42.0m)(67.5m)(233.0m)(619.0m)(1.2b)(591.5m)(1.1b)(1.8b)(946.0m)

Long-term Borrowings

(313.0k)(625.0k)(7.0m)

Dividends Paid

(38.0k)(30.0k)(213.0k)(260.0k)(37.0k)(50.0k)(1.8m)(50.2m)

Cash From Financing Activities

35.1m106.6m166.8m224.4m478.9m775.8m309.5m671.3m923.5m476.6m962.3m1.6b306.4m217.5m245.9m(154.0m)(310.6m)(529.8m)(255.8m)(232.0m)(491.2m)(478.9m)(623.8m)(533.9m)19.5m

Net Change in Cash

(3.7m)18.9m11.4m(1.2m)2.0m9.6m15.3m19.7m33.4m4.3m(379.3m)(290.6m)(39.7m)(50.6m)(102.8m)18.8m22.8m(131.2m)(12.4m)11.6m(93.0m)(73.8m)(143.3m)(169.0m)(53.5m)

Interest Paid

4.9m10.8m18.3m30.1m68.4m116.7m71.3m152.7m244.5m110.6m234.6m374.8m175.2m350.5m519.7m163.7m314.0m454.0m116.3m218.2m309.6m80.5m148.0m206.3m43.6m

Lending Club Ratios

USDY, 2020

EV/CFO

-0.8 x

Financial Leverage

3.5 x

Lending Club Operating Metrics

Lending Club's Total Loans was reported to be $28.8b in Q2, 2017.

Lending Club Employee Rating

3.6525 votes
Culture & Values
4.0
Work/Life Balance
3.9
Senior Management
3.5
Salary & Benefits
3.8
Career Opportunities
3.5
Source