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LendingClub (LendingClub) EV-to-FCF : 0.25 (As of Apr. 26, 2024)


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What is LendingClub EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, LendingClub's Enterprise Value is $-301.0 Mil. LendingClub's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2023 was $-1,196.1 Mil. Therefore, LendingClub's EV-to-FCF for today is 0.25.

The historical rank and industry rank for LendingClub's EV-to-FCF or its related term are showing as below:

LC' s EV-to-FCF Range Over the Past 10 Years
Min: -162.32   Med: 0.21   Max: 4467.78
Current: 0.26

During the past 12 years, the highest EV-to-FCF of LendingClub was 4467.78. The lowest was -162.32. And the median was 0.21.

LC's EV-to-FCF is ranked better than
92.94% of 255 companies
in the Credit Services industry
Industry Median: 12.22 vs LC: 0.26

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.

As of today (2024-04-26), LendingClub's stock price is $8.10. LendingClub's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2023 was $0.360. Therefore, LendingClub's PE Ratio for today is 22.50.


LendingClub EV-to-FCF Historical Data

The historical data trend for LendingClub's EV-to-FCF 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.

* Premium members only.

LendingClub EV-to-FCF Chart

LendingClub Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
EV-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only -8.40 3.61 10.64 0.30 0.19

LendingClub Quarterly Data
Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
EV-to-FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.30 -1.94 -0.33 1.55 0.19

Competitive Comparison of LendingClub's EV-to-FCF

For the Credit Services subindustry, LendingClub's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, LendingClub's EV-to-FCF distribution charts can be found below:

* The bar in red indicates where LendingClub's EV-to-FCF falls into.



LendingClub EV-to-FCF Calculation

LendingClub's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=-300.955/-1196.109
=0.25

LendingClub's current Enterprise Value is $-301.0 Mil.
LendingClub's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2023 adds up the quarterly data reported by the company within the most recent 12 months, which was $-1,196.1 Mil.

* 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.


LendingClub  (NYSE:LC) EV-to-FCF Explanation

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.

LendingClub's PE Ratio for today is calculated as:

PE Ratio=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=8.10/0.360
=22.50

LendingClub's share price for today is $8.10.
LendingClub's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2023 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.360.

* 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.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.


LendingClub EV-to-FCF Related Terms

Thank you for viewing the detailed overview of LendingClub's EV-to-FCF 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