LendingClub Corp (LC) - Net Assets
Based on the latest financial reports, LendingClub Corp (LC) has net assets worth $1.52 Billion USD as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($11.94 Billion) and total liabilities ($10.42 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check LC tangible net worth ratio to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $1.52 Billion |
| % of Total Assets | 12.76% |
| Annual Growth Rate | -11.55% |
| 5-Year Change | 76.47% |
| 10-Year Change | 53.77% |
| Growth Volatility | 380.35 |
LendingClub Corp - Net Assets Trend (2008–2025)
This chart illustrates how LendingClub Corp's net assets have evolved over time, based on quarterly financial data. See operational self-sufficiency of LendingClub Corp to measure how many days the company can operate on defensive assets alone.
Annual Net Assets for LendingClub Corp (2008–2025)
The table below shows the annual net assets of LendingClub Corp from 2008 to 2025. For live valuation and market cap data, see market cap of LendingClub Corp.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $1.50 Billion | +11.83% |
| 2024-12-31 | $1.34 Billion | +7.18% |
| 2023-12-31 | $1.25 Billion | +7.52% |
| 2022-12-31 | $1.16 Billion | +36.94% |
| 2021-12-31 | $850.24 Million | +17.41% |
| 2020-12-31 | $724.17 Million | -19.55% |
| 2019-12-31 | $900.19 Million | +3.35% |
| 2018-12-31 | $870.98 Million | -6.12% |
| 2017-12-31 | $927.76 Million | -4.92% |
| 2016-12-31 | $975.77 Million | -6.34% |
| 2015-12-31 | $1.04 Billion | +7.05% |
| 2014-12-31 | $973.22 Million | +1329.23% |
| 2013-12-31 | $68.09 Million | +240.49% |
| 2012-12-31 | $-48.47 Million | 0.00% |
| 2011-12-31 | $-48.47 Million | -412.70% |
| 2010-12-31 | $15.50 Million | +604.55% |
| 2009-12-31 | $2.20 Million | -99.98% |
| 2008-12-31 | $12.09 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to LendingClub Corp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 1969757400000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | $1.15 Million | 0.08% |
| Other Comprehensive Income | $-18.16 Million | -1.21% |
| Other Components | $1.72 Billion | 114.58% |
| Total Equity | $1.50 Billion | 100.00% |
LendingClub Corp Competitors by Market Cap
The table below lists competitors of LendingClub Corp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
ANADOLU E.BIR.M. ADR 1/5
F:EF41
|
$1.92 Billion |
|
AUB GROUP LTD.
F:A5H
|
$1.92 Billion |
|
Crompton Greaves Consumer Electricals Limited
NSE:CROMPTON
|
$1.92 Billion |
|
Partner
TA:PTNR
|
$1.92 Billion |
|
Changchun UP Optotech Co Ltd
SHE:002338
|
$1.92 Billion |
|
Basic Fit NV
AS:BFIT
|
$1.92 Billion |
|
Shenzhen Airport Co Ltd
SHE:000089
|
$1.92 Billion |
|
Essence Fastening Systems (Shanghai) Co. Ltd.
SHE:301005
|
$1.91 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in LendingClub Corp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 1,341,731,000 to 1,500,428,000, a change of 158,697,000 (11.8%).
- Net income of 135,677,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 6,083,000.
- Other factors increased equity by 16,937,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $135.68 Million | +9.04% |
| Other Comprehensive Income | $6.08 Million | +0.41% |
| Other Changes | $16.94 Million | +1.13% |
| Total Change | $- | 11.83% |
Book Value vs Market Value Analysis
This analysis compares LendingClub Corp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.49x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 2.55x to 1.49x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2008-12-31 | $7.38 | $18.81 | x |
| 2009-12-31 | $0.03 | $18.81 | x |
| 2010-12-31 | $0.21 | $18.81 | x |
| 2011-12-31 | $-0.75 | $18.81 | x |
| 2012-12-31 | $-4.18 | $18.81 | x |
| 2013-12-31 | $5.87 | $18.81 | x |
| 2014-12-31 | $64.39 | $18.81 | x |
| 2015-12-31 | $13.90 | $18.81 | x |
| 2016-12-31 | $12.58 | $18.81 | x |
| 2017-12-31 | $11.28 | $18.81 | x |
| 2018-12-31 | $10.28 | $18.81 | x |
| 2019-12-31 | $10.31 | $18.81 | x |
| 2020-12-31 | $8.01 | $18.81 | x |
| 2021-12-31 | $8.32 | $18.81 | x |
| 2022-12-31 | $11.19 | $18.81 | x |
| 2023-12-31 | $11.54 | $18.81 | x |
| 2024-12-31 | $11.86 | $18.81 | x |
| 2025-12-31 | $12.62 | $18.81 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently LendingClub Corp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 9.04%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 10.17%
- • Asset Turnover: 0.12x
- • Equity Multiplier: 7.71x
- Recent ROE (9.04%) is above the historical average (-36.97%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2008 | -98.54% | 0.00% | -0.03x | 2.57x | $-13.12 Billion |
| 2009 | -468.18% | -447.83% | 0.03x | 30.91x | $-10.52 Million |
| 2010 | -72.90% | -58.85% | 0.11x | 10.96x | $-12.85 Million |
| 2011 | 0.00% | -111.65% | 0.03x | 0.00x | $-7.10 Million |
| 2012 | 0.00% | -27.95% | 0.11x | 0.00x | $-7.10 Million |
| 2013 | 10.73% | 2.73% | 0.14x | 28.54x | $498.60K |
| 2014 | -3.38% | -6.20% | 0.14x | 4.00x | $-130.22 Million |
| 2015 | -0.48% | -0.54% | 0.16x | 5.56x | $-109.18 Million |
| 2016 | -14.96% | -13.10% | 0.20x | 5.70x | $-243.55 Million |
| 2017 | -16.68% | -14.53% | 0.23x | 5.03x | $-246.08 Million |
| 2018 | -14.76% | -13.08% | 0.26x | 4.39x | $-215.23 Million |
| 2019 | -3.42% | -3.14% | 0.33x | 3.31x | $-120.76 Million |
| 2020 | -25.90% | -41.20% | 0.24x | 2.57x | $-259.96 Million |
| 2021 | 2.19% | 2.07% | 0.18x | 5.76x | $-66.44 Million |
| 2022 | 24.88% | 22.81% | 0.16x | 6.85x | $173.26 Million |
| 2023 | 3.11% | 3.43% | 0.13x | 7.05x | $-86.24 Million |
| 2024 | 3.83% | 4.42% | 0.11x | 7.92x | $-82.84 Million |
| 2025 | 9.04% | 10.17% | 0.12x | 7.71x | $-14.37 Million |
Industry Comparison
This section compares LendingClub Corp's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $389,399,400
- Average return on equity (ROE) among peers: 10.20%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| LendingClub Corp (LC) | $1.52 Billion | -98.54% | 6.84x | $1.92 Billion |
| Ameris Bancorp (ABCB) | $514.76 Million | 7.94% | 9.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $68.20 Million | 10.85% | 9.15x | $5.79 Billion |
| ACNB Corporation (ACNB) | $51.46 Million | 12.55% | 7.93x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $76.38 Million | 0.59% | 3.01x | $137.13 Million |
| Alerus Financial Corp (ALRS) | $127.25 Million | 8.42% | 8.09x | $736.27 Million |
| Amalgamated Bank (AMAL) | $508.95 Million | 16.01% | 14.41x | $1.27 Billion |
| Amerant Bancorp Inc. (AMTB) | $1.00 Billion | 3.23% | 8.67x | $974.56 Million |
| Arrow Financial Corporation (AROW) | $431.85 Million | 10.18% | 9.29x | $622.98 Million |
| Associated Banc-Corp (ASB) | $968.70 Million | 17.34% | 12.55x | $5.45 Billion |
| AmeriServ Financial Inc (ASRV) | $141.70 Million | 14.89% | 15.78x | $62.43 Million |
About LendingClub Corp
LendingClub Corporation, operates as a bank holding company, that provides range of financial products and services in the United States. It offers deposit products, including savings accounts, checking accounts, and certificates of deposit; patient and education finance loans; and commercial loans, including small business loans. The company also provides consumer loans, such as Unsecured and un… Read more