LendingClub (LC) Stock: Buy, Sell, or Hold?
$19.21
+0.40 (+2.13%)
â˛
5d:
+5.32%
30d:
+25.97%
90d:
+38.7%
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70/30 Portfolio Builder
Earnings: Aug 04, 2026
0d
Protect LC Gains
Updated Jun 18, 12:00 AM ET
QUANTITATIVE VERDICT
WAIT
LOW Confidence (79%)
Quality Score
39/100
Position
FAIR
Forward P/E & Valuation
8.4x
FAIR
vs 8.4x historical avg
Wall Street Target
$23.25
+21.0% upside
Options IV & Volume
UNKNOWN Vol
UNKNOWN volume confirmation
Support / Resistance
$16.18 / $18.40
Trend: Strong Uptrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
âšī¸ NEUTRAL: LC is fairly priced but lacks strong directional signals. At -0.1% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$37.61
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$23.36
17.8% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 8.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: LC is currently trading at $19.21, which is considered fair based on recent price action. The stock's valuation (Forward PE: 8.3) is in line with its historical norms (8.4). Remarkably, the market is currently pricing in an annual earnings decline of 0.1% over the next few years. This pessimistic expectation contrasts with the company's recent 340.0% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, LC is in a strong uptrend. The price is approaching resistance at $18.40. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: LC scores 75/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $23.25 (+21.0%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, LC is in a strong uptrend. The price is approaching resistance at $18.40. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: LC scores 75/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $23.25 (+21.0%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
FAIR
Company Quality Score
39/100
(SELL)
Volume Confirmation
UNKNOWN
Confidence Score
78.6%
Trading Range & Key Levels
Support Level
$16.18
Resistance Level
$18.40
Current Trend
Strong Uptrend
Technical data as of
Jun 9, 2026
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Holding LC? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanQuantitative Signal Breakdown
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (75/100)
- BULLISH: Trading 21.0% below Wall St target ($23.25)
- WARNING: Composite score 39/100 in the bottom quintile â this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
8.35
Wall Street Target
$23.25
(+21.0%)
Revenue Growth (YoY)
12.5%
Earnings Growth (YoY)
340.0%
Profit Margin
12.8%
Valuation Discount vs History
-0.1% cheaper
PE vs Historical
8.4 vs 8.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.1%
(market-implied from PE analysis)
1-Year Target
$19.19
(0%)
2-Year Target
$19.17
(0%)
3-Year Target
$19.15
(0%)
3-Yr Target (if PE normalizes)
(PE: 8â8)
$19.26
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 31.8%)
$114.57
(+496%)
Base:
(SPY PE: 8.4, Growth: 31.8%)
$43.94
(+129%)
Bear:
(PE: 7.1, Growth: 31.8%)
$37.35
(+94%)
đĄ
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 8.4 to 8.4
Stabilization Target:
$19.32
(+0.6%)
PE Expansion Potential:
+0.6%
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (LC)
Bullish
2 Retail Mentions
Reddit / WSB Comments
1
Bearish
StockTwits Volume
1 msgs
24h retail stream
Last Tracked
Sep 1, 2026
Daily AI digest
AI Retail Discussion Summary:
LendingClub officially becomes a bank, as reported by Yahoo Finance. This approval marks a significant milestone for the company in its transformation from a peer-to-peer lending platform to a bank.
Key Retail Themes:
Company Transformation
Regulatory Approval
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 11, 2026 11:17 AM ET
Data refreshes hourly during market hours. Next update: 12:17 PM
Data refreshes hourly during market hours. Next update: 12:17 PM
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Insider Activity (6 Months)
0
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Sells
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