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LendingClub Corporation
LCFinancial ServicesNYSEUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $1.33B | 10.2% | $136.14M | -$667.36M | N/A |
| 2027 | $1.58B | 10.2% | $161.33M | -$790.82M | -$718.93M |
| 2028 | $1.87B | 10.2% | $191.17M | -$937.12M | -$774.48M |
| 2029 | $2.22B | 10.2% | $226.54M | -$1.11B | -$834.33M |
| 2030 | $2.63B | 10.2% | $268.45M | -$1.32B | -$898.80M |
| 2031 | $3.12B | 10.2% | $318.11M | -$1.56B | -$968.25M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $1.15 | 2025-12-31 |
| EPS growth | +60.0% | Forecast years: 5 |
| Future EPS | $12.059 | EPS × (1 + G)^5 |
| Base P/E | 16.1 | P/E |
| Future price | $194.14 | Future EPS × P/E |
| Fair value today | $120.55 | PV @ 10.0% |
| 30% safety price | $84.384 | Margin of safety |
| 50% safety price | $60.274 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | -$134.50 | -$152.291 | -$176.551 |
| 10.0% | -$116.627 | -$129.743 | -$146.896 |
| 11.0% | -$102.556 | -$112.543 | -$125.193 |