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    Assessing LendingClub (LC) Valuation After JPMorgan Renews Bullish Rating And Growth Outlook

    Simply Wall St·01/05/2026 15:17:25
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    Recent analyst commentary on LendingClub (LC) has turned heads after JPMorgan reaffirmed a positive stance on the stock, even while flagging sector headwinds tied to labor market softness and tariff pressures.

    See our latest analysis for LendingClub.

    At a share price of US$19.12, LendingClub’s 90-day share price return of 24.16% contrasts with a softer 30-day share price return of 1.60% decline. The 3-year total shareholder return of 120.02% points to strong long term momentum.

    If this kind of interest in LendingClub has you looking beyond a single stock, it could be a good moment to broaden your search with fast growing stocks with high insider ownership.

    With shares at US$19.12 and trading at a 17% discount to the average analyst price target, plus a flagged intrinsic discount of about 44%, the key question is whether this signals a genuine opportunity or if the market is already pricing in future growth.

    Most Popular Narrative: 13.8% Undervalued

    Against the last close of US$19.12, the most followed narrative points to a fair value of about US$22.18, framing LendingClub as modestly undervalued using a 7.84% discount rate.

    The hybrid digital marketplace/bank model continues to scale. Marketplace originations and balance sheet loans are growing in tandem, with the former providing high-margin, capital-light revenue, and the latter building durable recurring net interest income; this dual engine offers operating leverage for sustained growth in earnings and tangible book value.

    Read the complete narrative.

    Curious how a flat revenue outlook can still support rising earnings power and a higher future P/E multiple? The key is margin expansion, capital efficiency, and a specific path to earnings that this narrative spells out in detail, including how future profitability and valuation multiples fit together.

    Result: Fair Value of $22.18 (UNDERVALUED)

    Have a read of the narrative in full and understand what's behind the forecasts.

    However, this depends on LendingClub keeping credit quality and customer acquisition costs in check, as heavier personal loan exposure and rising competition could quickly pressure margins.

    Find out about the key risks to this LendingClub narrative.

    Build Your Own LendingClub Narrative

    If you see the numbers differently or want to test your own assumptions against the data, you can build a custom view in minutes with Do it your way.

    A great starting point for your LendingClub research is our analysis highlighting 3 key rewards and 1 important warning sign that could impact your investment decision.

    Looking for more investment ideas?

    If LendingClub has sparked your interest, do not stop here. The screener can quickly surface fresh ideas so you are not leaving potential opportunities on the table.

    This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.