LC Stock Analysis: Buy, Sell, or Hold?
LC - LendingClub Corporation
$16.91
0.47 (2.86%)
▲
WAIT
LOW Confidence
Last Updated: January 30, 2026
Earnings: Apr 29, 2026
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1 traders called LC this week
100% bullish • 0 bearish
100% bullish • 0 bearish
Interactive Price Chart (1 Month)
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Bottom Line:
⏸️ WAIT FOR STABILIZATION: LC is down 19.7% over the last 5 days. While fundamentals may be solid, catching a falling knife is risky. Wait for price to stabilize before entering.
⏸️ WAIT FOR STABILIZATION: LC is down 19.7% over the last 5 days. While fundamentals may be solid, catching a falling knife is risky. Wait for price to stabilize before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$35.97
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$22.33
24.3% 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 11.9x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: LC is currently trading at $16.91, which is considered oversold relative to its 30-day fair value range of $18.77 to $20.95. From a valuation perspective, the stock is trading at a discount (Forward PE: 10.6) compared to its historical average (11.9). Remarkably, the market is currently pricing in an annual earnings decline of 3.7% over the next few years. This pessimistic expectation contrasts with the company's recent 186.8% 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 $16.20, while resistance sits at $21.67.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $24.20 (+47.2%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, LC is in a strong uptrend. Immediate support is located at $16.20, while resistance sits at $21.67.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $24.20 (+47.2%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Fair Price Range
$18.77 -
$20.95
Company Quality Score
39/100
(SELL)
Volume Confirmation
HIGH
Confidence Score
79.5%
Protect Your Profits
Holding LC? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 47.2% below Wall St target ($24.20)
- WARNING: Recommendation downgraded due to -19.7% 5-day decline - wait for stabilization
Fair Price Analysis
30-Day Fair Range
$18.77 -
$20.95
Current vs Fair Value
OVERSOLD
Support & Resistance Levels
Support Level
$16.20
Resistance Level
$21.67
Current Trend
Strong Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
10.59
Wall Street Target
$24.20
(+47.2%)
Revenue Growth (YoY)
15.8%
Earnings Growth (YoY)
186.8%
Profit Margin
8.0%
Valuation Discount vs History
-3.7% cheaper
PE vs Historical
10.6 vs 11.9
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-3.7%
(market-implied from PE analysis)
1-Year Target
$15.83
(-4%)
2-Year Target
$15.25
(-7%)
3-Year Target
$14.68
(-11%)
3-Yr Target (if PE normalizes)
(PE: 11→12)
$16.49
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 35.8%)
$86.67
(+427%)
Base:
(SPY PE: 10.6, Growth: 35.8%)
$41.16
(+150%)
Bear:
(PE: 9.0, Growth: 35.8%)
$34.99
(+113%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (23x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 23.38 | Current EPS (TTM): $0.89
Bull Case
$41.80
(+154%)
Analyst growth 82.6%, PE expands to 25.7
Base Case
$38.00
(+131%)
Market implied 82.6%, PE stable at 23.4
Bear Case
$14.15
(-14%)
Severe decline -20.0%, PE contracts to 19.9
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 10.6 to 11.9
Stabilization Target:
$18.47
(+12.3%)
PE Expansion Potential:
+12.3%
Last updated: January 30, 2026 5:36 PM ET
Data refreshes hourly during market hours. Next update: 6:36 PM
Data refreshes hourly during market hours. Next update: 6:36 PM
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Technical Signals Check
Is LC showing a specific setup today?
Insider Activity (6 Months)
0
Buys
5
Sells
Net
INSIDERS SELLING
Recent Transactions
Scott Sanborn
SELL
30000 shares
2025-10-23
Andrew Labenne
SELL
20903 shares
2025-09-15
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SELL
30000 shares
2025-09-15
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Advanced LC Option Strategies
Professional options setups generated by AI based on today's LC price and gamma walls.
