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LendingClub (LendingClub) Shiller PE Ratio : (As of Apr. 27, 2024)


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What is LendingClub Shiller PE Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


LendingClub Shiller PE Ratio Historical Data

The historical data trend for LendingClub's Shiller PE Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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LendingClub Shiller PE Ratio Chart

LendingClub Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Shiller PE Ratio
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LendingClub Quarterly Data
Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
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Competitive Comparison of LendingClub's Shiller PE Ratio

For the Credit Services subindustry, LendingClub's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


LendingClub's Shiller PE Ratio Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, LendingClub's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where LendingClub's Shiller PE Ratio falls into.



LendingClub Shiller PE Ratio Calculation

For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

LendingClub's E10 for the quarter that ended in Dec. 2023 is calculated as:

For example, LendingClub's adjusted earnings per share data for the three months ended in Dec. 2023 was:

Adj_EPS=Earnings per Share (Diluted)/CPI of Dec. 2023 (Change)*Current CPI (Dec. 2023)
=0.09/129.4194*129.4194
=0.090

Current CPI (Dec. 2023) = 129.4194.

LendingClub Quarterly Data

Earnings per Share (Diluted) CPI Adj_EPS
201403 -0.630 99.695 -0.818
201406 -0.793 100.560 -1.021
201409 -0.102 100.428 -0.131
201412 -0.350 99.070 -0.457
201503 -0.100 99.621 -0.130
201506 -0.050 100.684 -0.064
201509 0.012 100.392 0.015
201512 0.050 99.792 0.065
201603 0.050 100.470 0.064
201606 -1.050 101.688 -1.336
201609 -0.450 101.861 -0.572
201612 -0.400 101.863 -0.508
201703 -0.350 102.862 -0.440
201706 -0.300 103.349 -0.376
201709 -0.100 104.136 -0.124
201712 -1.100 104.011 -1.369
201803 -0.350 105.290 -0.430
201806 -0.720 106.317 -0.876
201809 -0.270 106.507 -0.328
201812 -0.150 105.998 -0.183
201903 -0.230 107.251 -0.278
201906 -0.120 108.070 -0.144
201909 -0.004 108.329 -0.005
201912 0.003 108.420 0.004
202003 -1.100 108.902 -1.307
202006 -0.870 108.767 -1.035
202009 -0.380 109.815 -0.448
202012 -0.290 109.897 -0.342
202103 -0.490 111.754 -0.567
202106 0.090 114.631 0.102
202109 0.260 115.734 0.291
202112 0.270 117.630 0.297
202203 0.390 121.301 0.416
202206 1.730 125.017 1.791
202209 0.410 125.227 0.424
202212 0.220 125.222 0.227
202303 0.130 127.348 0.132
202306 0.090 128.729 0.090
202309 0.050 129.860 0.050
202312 0.090 129.419 0.090

Add all the adjusted EPS together and divide 10 will get our E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


LendingClub  (NYSE:LC) Shiller PE Ratio Explanation

Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.

Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.


Be Aware

Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.


LendingClub Shiller PE Ratio Related Terms

Thank you for viewing the detailed overview of LendingClub's Shiller PE Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


LendingClub (LendingClub) Business Description

Traded in Other Exchanges
Address
595 Market Street, Suite 200, San Francisco, CA, USA, 94105
LendingClub Corp is a company engaged in operating an online lending marketplace platform that connects borrowers and investors for the provision of the loan facility. It offers investors access to an asset class that has generally been closed to many investors and only available on a limited basis to institutional investors. The company through the platform offers loan products such as personal, education and patient finance, small business, and auto to interested investors. It generates a majority of the revenue from the transaction fees received from the platform's role in accepting and decisioning applications on behalf of the bank partners to enable loan originations.
Executives
Michael P Zeisser director
Janey Whiteside director C/O LENDINGCLUB CORPORATION, 595 MARKET ST., #200, SAN FRANCISCO CA 94105
Kathryn Reimann director C/O LENDINGCLUB CORPORATION, 595 MARKET ST., #200, SAN FRANCISCO CA 94105
Syed Faiz Ahmad director 7601 SOUTHWEST PARKWAY, AUSTIN TX 78735
Stephen M Cutler director JPMORGAN CHASE & CO., 270 PARK AVENUE, NEW YORK NY 10017
John C. Morris director C/O VISA INC., P.O. BOX 8999, SAN FRANCISCO CA 94128-8999
Andrew Labenne officer: Chief Financial Officer C/O BAKKT HOLDINGS, INC., 5500 WINDWARD PKWY., SUITE 450, ALPHARETTE GA 30005
Timothy J Mayopoulos director C/O FANNIE MAE, 1100 15TH STREET, NW, WASHINGTON DC 20005
Erin Selleck director C/O BROADWAY FINANCIAL CORPORATION, 5055 WILSHIRE BLVD. SUITE 500, LOS ANGELES CA 90036
Allan R Landon director 130 MERCHANT ST 22ND FLR, HONOLULU HI 96813
Fergal Stack officer: SVP, Corporate Controller C/O LENDINGCLUB CORPORATION, 71 STEVENSON ST., SUITE 300, SAN FRANCISCO CA 94105
Scott Sanborn officer: Chief Mrktg & Optg Officer C/O REDENVELOPE, INC., 149 NEW MONTGOMERY STREET, SAN FRANCISCO CA 94105
Jordan Cheng officer: General Counsel & Secretary C/O LENDINGCLUB CORPORATION, 595 MARKET ST., #200, SAN FRANCISCO CA 94105
Brandon Pace officer: General Counsel and Secretary C/O LENDINGCLUB CORPORATION, 595 MARKET ST, SUITE 200, SAN FRANCISCO CA 94105
Annie Armstrong officer: Chief Risk Officer C/O LENDINGCLUB CORPORATION, 595 MARKET ST. #200, SAN FRANCISCO CA 94105