LendingClub

LendingClub

LendingClub Jonathan Poland

LendingClub Corporation (LC) operates as a parent company for LendingClub Bank, National Association, offering a range of financial products and services through a technology-based platform in the US. Their offerings include commercial and industrial loans, commercial real estate loans, small business loans, equipment loans and leases, unsecured personal loans, auto loans, patient finance loans, and education finance loans. Additionally, the company operates an online lending marketplace platform that matches borrowers with investors. LendingClub was incorporated in 2006 and is headquartered in San Francisco, CA. Essentially, LendingClub helps people find lower-cost loans. The company gets revenue from origination fees from borrowers, as well as servicing fees on loans sold to investors. Most of its members use the platform to consolidate credit-card debt.

as of February 10, 2023

I don’t like the way the company markets or the fact that anyone uses fear to build attention. That said, the stock is cheap. Could it get cheaper? Yes. They loan out money and when people don’t pay back that money, it hurts them. However, the company is on superb financial footing and with a network of 4 million customers its scale allows it to thrive going forward. This year it looks like it will earn around $100 million net, but considering how it’s growing it wouldn’t surprise me if that number came in higher.

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