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LendingClub Valuation Multiples

Discover revenue and EBITDA valuation multiples for LendingClub and similar public comparables like Credit Clear, MoneyMe, and Harmoney Corp.

LendingClub Overview

About LendingClub

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.


Founded

2006

HQ

United States of America
Employees

1.0K+

Website

lendingclub.com

Sectors

Online Lending

Financials

LTM Revenue $934M

LTM EBITDA $124M

EV

$1.7B

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LendingClub Financials

As of September 2025, LendingClub reported last 12-month revenue of $934M and EBITDA of $124M.

In the same period, LendingClub achieved $103M in LTM net income.

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LendingClub P&L

In the most recent fiscal year, LendingClub reported revenue of $787M.

LendingClub expects next 12-month revenue of  XXX    and NTM EBITDA of  XXX

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LTM NTM Last FY FY 2025 FY 2026 FY 2027
Revenue $934M XXX $787M XXX XXX XXX
Gross Profit n/a XXX n/a XXX XXX XXX
Gross Margin n/a XXX n/a XXX XXX XXX
EBITDA $124M XXX n/a XXX XXX XXX
EBITDA Margin 13% XXX n/a XXX XXX XXX
EBIT $330M XXX n/a XXX XXX XXX
EBIT Margin 35% XXX n/a XXX XXX XXX
Net Profit $103M XXX $51.3M XXX XXX XXX
Net Margin 11% XXX 7% XXX XXX XXX
Net Debt XXX XXX n/a XXX XXX XXX

Financial data powered by Morningstar, Inc.

LendingClub Stock Performance

LendingClub has current market cap of $1.7B, and EV of $1.7B.

Market Cap Evolution

LendingClub Stock Data

As of October 3, 2025, LendingClub's stock price is $15.

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EV Market Cap Price 1D Price 1M Price 3M Price 12M EPS
$1.7B $1.7B XXX XXX XXX XXX $0.89

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LendingClub Valuation Multiples

LendingClub's trades at 2.2x EV/Revenue multiple, and n/a EV/EBITDA.

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LendingClub Financial Valuation Multiples

As of October 3, 2025, LendingClub has market cap of $1.7B and EV of $1.7B.

Equity research analysts estimate LendingClub's 2025E EV/Revenue multiple at  XXX and 2025E EV/EBITDA multiple at  XXX

LendingClub has a P/E ratio of 16.7x.

LTM NTM Last FY FY 2025 FY 2026 FY 2027
Market cap (current) $1.7B XXX $1.7B XXX XXX XXX
EV (current) $1.7B XXX $1.7B XXX XXX XXX
EV/Revenue 1.9x XXX 2.2x XXX XXX XXX
EV/EBITDA 14.0x XXX n/a XXX XXX XXX
EV/EBIT 5.3x XXX n/a XXX XXX XXX
EV/Gross Profit n/a XXX n/a XXX XXX XXX
P/E 16.7x XXX 33.5x XXX XXX XXX
EV/FCF -0.7x XXX -0.6x XXX XXX XXX

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LendingClub Margins & Growth Rates

LendingClub's last 12 month revenue growth is 17%

LendingClub's revenue per employee in the last FY averaged $0.8M, while opex per employee averaged n/a for the same period.

LendingClub's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).

LendingClub's rule of X is 57% (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).

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LendingClub Operational Valuation Multiples

LTM NTM Last FY FY 2025 FY 2026 FY 2027
Revenue Growth 17% XXX 20% XXX XXX XXX
EBITDA Margin 13% XXX n/a XXX XXX XXX
EBITDA Growth n/a XXX n/a XXX XXX XXX
Rule of 40 n/a XXX n/a XXX XXX XXX
Bessemer Rule of X XXX XXX 57% XXX XXX XXX
Revenue per Employee XXX XXX $0.8M XXX XXX XXX
Opex per Employee XXX XXX n/a XXX XXX XXX
S&M Expenses to Revenue XXX XXX 13% XXX XXX XXX
G&A Expenses to Revenue XXX XXX n/a XXX XXX XXX
R&D Expenses to Revenue XXX XXX n/a XXX XXX XXX
Opex to Revenue XXX XXX n/a XXX XXX XXX

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LendingClub Public Comps

See public comps and valuation multiples for Online Lending comps
EV/Revenue EV/EBITDA
2025E 2026E 2027E 2025E 2026E 2027E
Credit Clear XXX XXX XXX XXX XXX XXX
Harmoney Corp XXX XXX XXX XXX XXX XXX
Humm Group XXX XXX XXX XXX XXX XXX
MoneyMe XXX XXX XXX XXX XXX XXX
Plenti Group XXX XXX XXX XXX XXX XXX
XXXXXXXX XXX XXX XXX XXX XXX XXX
XXXXXXXX XXX XXX XXX XXX XXX XXX

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LendingClub M&A and Investment Activity

LendingClub acquired  XXX companies to date.

Last acquisition by LendingClub was  XXXXXXXX, XXXXX XXXXX XXXXXX . LendingClub acquired  XXXXXXXX for  XXX (EV/Revenue multiple of  XXX ).

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Latest Acquisitions by LendingClub

Acquired Company EV EV/Revenue EV/EBITDA
XXXXXXXXX XXX XXX XXX
XXXXXXXXX XXX XXX XXX
XXXXXXXXX XXX XXX XXX
XXXXXXXXX XXX XXX XXX
XXXXXXXXX XXX XXX XXX

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About LendingClub

When was LendingClub founded? LendingClub was founded in 2006.
Where is LendingClub headquartered? LendingClub is headquartered in United States of America.
How many employees does LendingClub have? As of today, LendingClub has 1.0K+ employees.
Who is the CEO of LendingClub? LendingClub's CEO is Mr. Scott C. Sanborn.
Is LendingClub publicy listed? Yes, LendingClub is a public company listed on NYS.
What is the stock symbol of LendingClub? LendingClub trades under LC ticker.
When did LendingClub go public? LendingClub went public in 2014.
Who are competitors of LendingClub? Similar companies to LendingClub include e.g. Credit Clear, Harmoney Corp, Humm Group, MoneyMe.
What is the current market cap of LendingClub? LendingClub's current market cap is $1.7B
What is the current revenue of LendingClub? LendingClub's last 12 months revenue is $934M.
What is the current revenue growth of LendingClub? LendingClub revenue growth (NTM/LTM) is 17%.
What is the current EV/Revenue multiple of LendingClub? Current revenue multiple of LendingClub is 1.9x.
Is LendingClub profitable? Yes, LendingClub is EBITDA-positive (as of the last 12 months).
What is the current EBITDA of LendingClub? LendingClub's last 12 months EBITDA is $124M.
What is LendingClub's EBITDA margin? LendingClub's last 12 months EBITDA margin is 13%.
What is the current EV/EBITDA multiple of LendingClub? Current EBITDA multiple of LendingClub is 14.0x.
What is the current FCF of LendingClub? LendingClub's last 12 months FCF is -$2.4B.
What is LendingClub's FCF margin? LendingClub's last 12 months FCF margin is -256%.
What is the current EV/FCF multiple of LendingClub? Current FCF multiple of LendingClub is -0.7x.

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