
LendingClub (LC) Stock Forecast & Price Target
LendingClub (LC) Analyst Ratings
Bulls say
LendingClub Corp operates a growing online lending marketplace, benefiting from a personal loan market that has seen approximately 14% CAGR over the last 15 years, alongside a projected 32% year-over-year growth in loan originations for 2025. The company's earnings per share (EPS) are expected to grow significantly, with an increase of around 150% this year, and further growth projected at 54% in 2026 and 58% in 2027, aided by anticipated operating leverage and margin expansion. Additionally, with a focus on credit card debt consolidation, LendingClub is well-positioned to capitalize on take-share opportunities as credit card underwriting standards tighten, which bolsters the outlook for its marketplace volume and interest income.
Bears say
The financial outlook for LendingClub Corp appears unfavorable due to the continued constraints in marketplace lending, which may lead to underperformance in earnings per share (EPS). The company's origination volume remains significantly lower than levels observed two years ago, suggesting challenges in customer acquisition and overall growth. Additionally, the 2026 EPS guidance of $1.65-$1.80 falls short of the medium-term return on tangible common equity (ROTCE) target of 18-20%, further indicating potential revenue generation issues amid stable credit loss rates and increased reserve requirements.
This aggregate rating is based on analysts' research of LendingClub and is not a guaranteed prediction by Public.com or investment advice.
LendingClub (LC) Analyst Forecast & Price Prediction
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