LendingClub (LC) has been on a downward spiral lately with significant selling pressure. After declining 24.1% over the past four weeks, the stock looks well positioned for a trend reversal as it is now in oversold territory and there is strong agreement among Wall Street analysts that the company will report better earnings than they predicted earlier.We use Relative Strength Index (RSI), one of the most commonly used technical indicators, for spotting whether a stock is oversold. This is a momentum oscill ...

LendingClub (LC) appears an attractive pick, as it has been recently upgraded to a Zacks Rank #1 (Strong Buy). This rating change essentially reflects an upward trend in earnings estimates -- one of the most powerful forces impacting stock prices.The Zacks rating relies solely on a company's changing earnings picture. It tracks EPS estimates for the current and following years from the sell-side analysts covering the stock through a consensus measure -- the Zacks Consensus Estimate.Individual investors ofte ...

We came across a bullish thesis on LendingClub Corporation on Shareholdersunite Essentials’s Substack by Shareholdersunite. In this article, we will summarize the bulls’ thesis on LC. LendingClub Corporation's share was trading at $16.44 as of January 29th. LC’s trailing and forward P/E were 21.99 and 9.64 respectively according to Yahoo Finance. Rawpixel.com/Shutterstock.com LendingClub Corporation, operates as a bank holding company, that provides range of financial products and services in the United ...

Core Viewpoint - The post-earnings sell-off of LendingClub appears to be an overreaction, presenting a potential buying opportunity for investors in the banking sector due to its strong growth story and attractive valuation [1][3]. Financial Performance - In Q4, LendingClub reported a revenue increase of 22.7% to $266.5 million and an EPS rise of 338% to $0.35 per share, both figures exceeding expectations [4]. - Originations grew by 40% to $2.59 billion, aligning with management's outlook and indicating a strong foundation for future growth [4]. Guidance and Market Reaction - The guidance for the current quarter indicated flat quarter-over-quarter originations growth at $2.6 billion and slight EPS growth in the range of $0.34 to $0.39, which may have disappointed investors [5]. - Full-year guidance suggests originations between $11.6 billion and $12.6 billion and an EPS range of $1.65 to $1.80, reflecting a 26% growth in originations and 48% growth in EPS at midpoints [6]. Accounting Changes - LendingClub is transitioning to a new accounting method starting in 2026, which is expected to enhance its bottom line by allowing for immediate recognition of earnings from new loans [7][9]. - The previous CECL method required upfront loss estimates, which depressed earnings during periods of growth [8]. Marketing and Growth Strategy - The company is ramping up marketing investments to drive future growth, having previously pulled back during the COVID pandemic and subsequent interest rate hikes [12]. - New marketing channels are being tested, with the company currently about 75% through optimizing direct mail and halfway through paid search [14][15]. Future Outlook - The second and third quarters are typically higher-volume periods for LendingClub, allowing for better absorption of marketing expenses and improved response rates [16]. - New lending initiatives, including home-improvement and furniture financing, are expected to contribute to growth in 2027 and 2028 [17]. - A rebranding effort is underway to reflect the company's evolution from a peer-to-peer lender to a more institutional banking model, with associated near-term costs [18]. Valuation Metrics - Following the earnings sell-off, shares are trading around $16.50, equating to a P/E ratio of 10 based on the lower end of 2026 guidance, which is considered very cheap [20]. - Even with conservative growth estimates, the PEG ratio is projected to be 0.5, indicating a strong valuation opportunity [23].

We recently published 10 Stock Titans With Massive Losses. LendingClub Corp. (NYSE:LC) was one of the worst performers on Thursday. LendingClub extended its losing streak to a third consecutive day on Thursday, slashing 16 percent to finish at $16.44 apiece as investors digested the company’s shift to fair value option accounting, overshadowing announcements of strong earnings performance. According to the company, it would start to transition to fair value accounting, which removes the upfront provision ...

If you'd like to learn more about how to best position yourself in under valued stocks mispriced by the market to end January, consider joining Out Fox The Street .LendingClub ( LC ) headed into the Q4'25 earnings report trading at multi-year highs above $20, so the pre- and post-earnings dip needs to be taken into perspective. The fintech remains relatively conservative with growth prospects, preferring to throw off a lot of cash vs. ramping upStone Fox Capital is an RIA from Oklahoma. Mark Holder is a CPA ...

Digital bank LendingClub (NYSE:LC) reported Q4 and full-year results yesterday, but the solid results were not sufficient to inspire investors as shares cratered following the results.LendingClub reported that net revenue increased 23% to $266.5 million, compared with $217.2 million in the prior year, driven by higher marketplace sales and loan sale pricing, strong credit performance, and a higher net interest margin on a larger balance sheet.Net income and diluted EPS grew more than 4X to $41.6 million and ...

Core Insights - LendingClub's shares fell nearly 13% following the release of its fourth-quarter 2025 earnings report, despite reporting strong financial results [1] Financial Performance - The company reported diluted earnings per share (EPS) of $0.35 and total revenue of nearly $267 million, driven by approximately $2.6 billion in loan originations, with both EPS and revenue significantly higher year-over-year and exceeding consensus estimates [2] - For the first quarter of 2026, LendingClub guided for $2.6 billion in loan originations and diluted EPS of $0.365, while for the full year, it projected $12.1 billion in loan originations and diluted EPS of $1.725, representing 48% year-over-year growth in diluted EPS and 26% growth in originations [3] Guidance and Accounting Changes - The guidance for both the current quarter and the full year of 2026 exceeded Wall Street consensus estimates, indicating strong future performance expectations [4] - The company is implementing a significant accounting change, marking all loans as held-for-sale (HFS), which will affect how loans are valued and reported [5] Market Valuation - LendingClub's stock is currently trading at about 10 times forward earnings, which is considered an attractive entry point given the company's strong growth prospects [6]

The 2026 market is looking to be an incredibly tricky one to invest in, and the Q4 earnings season is likely to make volatility spike even further. Amid a choppy market and the potential for waning enthusiasm for large-cap tech stocks, I continueWith combined experience of covering technology companies on Wall Street and working in Silicon Valley, and serving as an outside adviser to several seed-round startups, Gary Alexander has exposure to many of the themes shaping the industry today. He has been a regu ...

Group 1 - The 2026 market is expected to be challenging for investors, with increased volatility anticipated during the Q4 earnings season [1] - There is a potential decline in enthusiasm for large-cap tech stocks, which may impact investment strategies [1] - Gary Alexander has extensive experience in the technology sector, having worked on Wall Street and in Silicon Valley, and advises seed-round startups [1]