LC Stock Analysis: Buy, Sell, or Hold?
LC - LendingClub Corporation
$14.04
-0.26 (-1.82%)
▼
5d:
-2.43%
30d:
-10.06%
90d:
-25.87%
BUY
HIGH Confidence
Analysis Updated: Apr 1, 2026 12:00 AM ET
Earnings: May 05, 2026
Smart Money Distribution
LC is up 3.2% this week, but smart money is buying puts. Top strike: $14 2026-05-15 with 1,421 OI. Put ratio: 70% View Scanner →
Strength: 3.6/10
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: LC appears deeply undervalued. Market expects -12.5% annual earnings decline despite 330% recent earnings growth. Contrarian opportunity at discount to historical valuation.
✅ BUY SIGNAL: LC appears deeply undervalued. Market expects -12.5% annual earnings decline despite 330% recent earnings growth. Contrarian opportunity at discount to historical valuation.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$41.36
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$25.68
45.3% 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 9.1x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: LC is currently trading at $14.04, which is considered fair relative to its 30-day fair value range of $13.88 to $15.43. From a valuation perspective, the stock is trading at a discount (Forward PE: 6.1) compared to its historical average (9.1). Remarkably, the market is currently pricing in an annual earnings decline of 12.5% over the next few years. This pessimistic expectation contrasts with the company's recent 329.6% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, LC is in a strong uptrend. Immediate support is located at $13.05, while resistance sits at $15.12.
Market Sentiment: LC has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $23.70 (+65.7%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, LC is in a strong uptrend. Immediate support is located at $13.05, while resistance sits at $15.12.
Market Sentiment: LC has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $23.70 (+65.7%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Fair Price Range
$13.88 -
$15.43
Company Quality Score
59/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
83.3%
All Signals
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 65.7% below Wall St target ($23.70)
Fair Price Analysis
30-Day Fair Range
$13.88 -
$15.43
Current vs Fair Value
FAIR
Support & Resistance Levels
Support Level
$13.05
Resistance Level
$15.12
Current Trend
Strong Uptrend
Technical data as of
Apr 1, 2026
Fundamental Context
Forward P/E (Next Year Est.)
6.13
Wall Street Target
$23.70
(+65.7%)
Revenue Growth (YoY)
12.2%
Earnings Growth (YoY)
329.6%
Profit Margin
10.2%
Valuation Discount vs History
-12.5% cheaper
PE vs Historical
6.1 vs 9.1
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-12.5%
(market-implied from PE analysis)
1-Year Target
$12.87
(-10%)
2-Year Target
$11.58
(-19%)
3-Year Target
$10.42
(-27%)
3-Yr Target (if PE normalizes)
(PE: 6→9)
$15.48
(+8%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.4, Growth: 34.8%)
$127.74
(+793%)
Base:
(SPY PE: 6.1, Growth: 34.8%)
$35.02
(+145%)
Bear:
(PE: 5.2, Growth: 34.8%)
$29.77
(+108%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (6x PE) as earnings recover.
Trailing PE: 12.05 | Current EPS (TTM): $1.16
Bull Case
$30.76
(+109%)
Analyst growth 100.0%, PE expands to 13.3
Base Case
$27.96
(+90%)
Market implied 100.0%, PE stable at 12.1
Bear Case
$9.51
(-35%)
Severe decline -20.0%, PE contracts to 10.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 6.1 to 9.1
Stabilization Target:
$21.24
(+48.5%)
PE Expansion Potential:
+48.5%
Share & Embed Analysis
Last updated: April 02, 2026 10:34 AM ET
Data refreshes hourly during market hours. Next update: 11:34 AM
Data refreshes hourly during market hours. Next update: 11:34 AM
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Technical Signals Check
Is LC showing a specific setup today?
Insider Activity (6 Months)
0
Buys
3
Sells
Net
INSIDERS SELLING
Recent Transactions
Erin Selleck
SELL
2390 shares
2026-03-05
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SELL
2390 shares
2025-12-05
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Advanced LC Option Strategies
Professional options setups generated by AI based on today's LC price and gamma walls.
