LendingClub (LC)
Market Price (12/26/2025): $19.79 | Market Cap: $2.3 BilSector: Financials | Industry: Regional Banks
LendingClub (LC)
Market Price (12/26/2025): $19.79Market Cap: $2.3 BilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -36% | Trading close to highsDist 52W High is -3.2%, Dist 3Y High is -3.2% | Weak revenue growthRev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -4.8% |
| Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 26% | Not cash flow generativeCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is -212%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is -226% | |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Online Banking & Lending, and AI in Credit Underwriting. | Valuation getting more expensiveP/S 6M Chg %Price/Sales change over 6 months. Declining P/S indicates valuation has become less expensive. is 54% | |
| Key risksLC key risks include [1] direct financial exposure to borrower defaults on the unsecured loans held on its balance sheet and [2] significant operational changes that may be required by increased regulatory scrutiny from agencies like the CFPB. |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -36% |
| Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 26% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Online Banking & Lending, and AI in Credit Underwriting. |
| Trading close to highsDist 52W High is -3.2%, Dist 3Y High is -3.2% |
| Weak revenue growthRev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -4.8% |
| Not cash flow generativeCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is -212%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is -226% |
| Valuation getting more expensiveP/S 6M Chg %Price/Sales change over 6 months. Declining P/S indicates valuation has become less expensive. is 54% |
| Key risksLC key risks include [1] direct financial exposure to borrower defaults on the unsecured loans held on its balance sheet and [2] significant operational changes that may be required by increased regulatory scrutiny from agencies like the CFPB. |
Why The Stock Moved
Qualitative Assessment
AI Analysis | Feedback
1. LendingClub's third quarter 2025 revenue of $266.2 million surpassed analyst estimates by 3.9%, marking a 31.9% year-on-year growth.2. The company reported a significant increase in pre-tax profit for Q3 2025, reaching $57.24 million, which represents a 218% year-on-year growth.
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Stock Movement Drivers
Fundamental Drivers
The 18.7% change in LC stock from 9/25/2025 to 12/25/2025 was primarily driven by a 30.8% change in the company's Net Income Margin (%).| 9252025 | 12252025 | Change | |
|---|---|---|---|
| Stock Price ($) | 16.64 | 19.75 | 18.69% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 885.23 | 949.58 | 7.27% |
| Net Income Margin (%) | 8.36% | 10.94% | 30.77% |
| P/E Multiple | 25.72 | 21.86 | -14.98% |
| Shares Outstanding (Mil) | 114.41 | 114.96 | -0.48% |
| Cumulative Contribution | 18.69% |
Market Drivers
9/25/2025 to 12/25/2025| Return | Correlation | |
|---|---|---|
| LC | 18.7% | |
| Market (SPY) | 4.9% | 58.1% |
| Sector (XLF) | 4.2% | 58.9% |
Fundamental Drivers
The 65.3% change in LC stock from 6/26/2025 to 12/25/2025 was primarily driven by a 77.6% change in the company's Net Income Margin (%).| 6262025 | 12252025 | Change | |
|---|---|---|---|
| Stock Price ($) | 11.95 | 19.75 | 65.27% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 824.03 | 949.58 | 15.24% |
| Net Income Margin (%) | 6.16% | 10.94% | 77.56% |
| P/E Multiple | 26.77 | 21.86 | -18.33% |
| Shares Outstanding (Mil) | 113.69 | 114.96 | -1.12% |
| Cumulative Contribution | 65.25% |
Market Drivers
6/26/2025 to 12/25/2025| Return | Correlation | |
|---|---|---|
| LC | 65.3% | |
| Market (SPY) | 13.1% | 46.0% |
| Sector (XLF) | 8.0% | 43.4% |
Fundamental Drivers
The 18.5% change in LC stock from 12/25/2024 to 12/25/2025 was primarily driven by a 59.6% change in the company's Net Income Margin (%).| 12252024 | 12252025 | Change | |
|---|---|---|---|
| Stock Price ($) | 16.66 | 19.75 | 18.55% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 755.42 | 949.58 | 25.70% |
| Net Income Margin (%) | 6.85% | 10.94% | 59.59% |
| P/E Multiple | 36.06 | 21.86 | -39.37% |
| Shares Outstanding (Mil) | 112.04 | 114.96 | -2.61% |
| Cumulative Contribution | 18.47% |
Market Drivers
12/25/2024 to 12/25/2025| Return | Correlation | |
|---|---|---|
| LC | 18.5% | |
| Market (SPY) | 15.8% | 64.5% |
| Sector (XLF) | 14.9% | 61.0% |
Fundamental Drivers
The 127.8% change in LC stock from 12/26/2022 to 12/25/2025 was primarily driven by a 614.3% change in the company's P/E Multiple.| 12262022 | 12252025 | Change | |
|---|---|---|---|
| Stock Price ($) | 8.67 | 19.75 | 127.80% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 1182.74 | 949.58 | -19.71% |
| Net Income Margin (%) | 24.96% | 10.94% | -56.19% |
| P/E Multiple | 3.06 | 21.86 | 614.35% |
| Shares Outstanding (Mil) | 104.22 | 114.96 | -10.31% |
| Cumulative Contribution | 125.37% |
Market Drivers
12/26/2023 to 12/25/2025| Return | Correlation | |
|---|---|---|
| LC | 121.7% | |
| Market (SPY) | 48.3% | 56.1% |
| Sector (XLF) | 52.6% | 57.7% |
Price Returns Compared
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| LC Return | -16% | 129% | -64% | -1% | 85% | 21% | 56% |
| Peers Return | � | � | � | � | � | � | � |
| S&P 500 Return | 16% | 27% | -19% | 24% | 23% | 18% | 115% |
Monthly Win Rates [3] | |||||||
| LC Win Rate | 33% | 50% | 17% | 42% | 50% | 58% | |
| Peers Win Rate | � | � | � | � | � | 72% | |
| S&P 500 Win Rate | 58% | 75% | 42% | 67% | 75% | 73% | |
Max Drawdowns [4] | |||||||
| LC Max Drawdown | -65% | -10% | -65% | -43% | -14% | -47% | |
| Peers Max Drawdown | � | � | � | � | � | � | |
| S&P 500 Max Drawdown | -31% | -1% | -25% | -1% | -2% | -15% | |
[1] Cumulative total returns since the beginning of 2020
[2] Peers: FCFS, NNI, PRG, GDOT, CBC. See LC Returns vs. Peers.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2025 data is for the year up to 12/24/2025 (YTD)
How Low Can It Go
| Event | LC | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -89.5% | -25.4% |
| % Gain to Breakeven | 850.3% | 34.1% |
| Time to Breakeven | Not Fully Recovered days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -67.0% | -33.9% |
| % Gain to Breakeven | 203.2% | 51.3% |
| Time to Breakeven | 224 days | 148 days |
| 2018 Correction | ||
| % Loss | -66.9% | -19.8% |
| % Gain to Breakeven | 202.0% | 24.7% |
| Time to Breakeven | 737 days | 120 days |
Compare to FCFS, NNI, PRG, GDOT, CBC
In The Past
LendingClub's stock fell -89.5% during the 2022 Inflation Shock from a high on 11/1/2021. A -89.5% loss requires a 850.3% gain to breakeven.
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LendingClub Corporation, operates as a bank holding company for LendingClub Bank, National Association that provides range of financial products and services through a technology-driven platform in the United States. The company provides commercial and industrial, commercial real estate, small business, and equipment loans, as well as leases equipment; and unsecured personal and auto, patient finance, and education finance loans. It also operates an online lending marketplace platform that connects borrowers and investors. LendingClub Corporation was incorporated in 2006 and is headquartered in San Francisco, California.
AI Analysis | Feedback
1. A digital bank focused on personal loans, akin to an Ally Bank for unsecured credit.
2. An online marketplace for personal loans, similar to an 'eBay for credit'.
3. A fintech company that evolved into a digital bank, specializing in personal loans, much like SoFi offers online financial services.
AI Analysis | Feedback
- Personal Loans: LendingClub provides unsecured installment loans to consumers for various purposes, primarily debt consolidation and major purchases.
- Auto Refinance Loans: It offers loans to help consumers refinance their existing car loans, potentially lowering monthly payments or interest rates.
- Deposit Products (LendingClub Bank): Through its subsidiary LendingClub Bank, it offers high-yield savings and checking accounts to attract deposits, which in turn fund its lending operations.
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LendingClub (LC) primarily sells its products and services to individuals.
Categories of Individual Customers:
- Personal Loan Borrowers: Individuals who apply for and receive unsecured personal loans from LendingClub Bank. These loans are commonly used for purposes such as debt consolidation, home improvement projects, unexpected medical expenses, or other significant personal financial needs. LendingClub typically targets consumers with established credit histories seeking more favorable terms than traditional credit cards.
- Depositors (Savers): Individuals who open and maintain deposit accounts, primarily high-yield savings accounts and certificates of deposit (CDs), with LendingClub Bank. These customers are generally seeking competitive interest rates on their savings, often attracted by the convenience of a digital-first banking experience.
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- Temenos AG (TEMN.SW)
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- Equifax Inc. (EFX)
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Scott Sanborn, Chief Executive Officer Scott Sanborn joined LendingClub in 2010, initially as Chief Marketing Officer, and later held roles as Chief Operating Officer and President before becoming CEO in 2016. He was instrumental in leading the company through its 2014 IPO, which was the largest U.S. tech IPO that year, and in the acquisition of Radius Bank in 2021, transforming LendingClub into a digital bank. Prior to his tenure at LendingClub, Sanborn served as Chief Revenue Officer for eHealth Insurance, a publicly traded e-commerce company, and as President of RedEnvelope, Inc., an e-commerce and catalog retailer. He also held a Senior Vice President position at the Home Shopping Network. Drew LaBenne, Chief Financial Officer Drew LaBenne was appointed Chief Financial Officer of LendingClub in September 2022. In this role, he is responsible for the company's accounting, financial planning and analysis, treasury, tax, marketplace, and investor relations. Before joining LendingClub, LaBenne served as CFO at Bakkt Holdings, Inc., where he played a key role in its public listing. He also held the CFO position at Amalgamated Bank, leading it through its IPO. His extensive background of over 25 years in financial services includes leadership roles such as CFO – Business Banking at JPMorgan Chase and various divisional CFO responsibilities at Capital One Financial. Annie Armstrong, Chief Risk Officer Annie Armstrong serves as LendingClub's Chief Risk Officer, overseeing all risk functions, security, and compliance. With over 20 years of experience, she has focused on building, defending, and auditing risk management structures within financial services institutions. Before joining LendingClub, Armstrong was the Global Head of Financial Risk for Uber, where she developed the risk management function for the then-largest pre-IPO company in the Bay Area. Prior to Uber, she was a KPMG Partner, leading as the Global Leader for Marketplace Lending and co-leading the FinTech practice in the United States. Jordan Cheng, General Counsel & Corporate Secretary As General Counsel & Corporate Secretary for LendingClub, Jordan Cheng is responsible for all legal matters, including regulatory advice, litigation, business transactions, corporate governance, and intellectual property. Before his role at LendingClub, Cheng was Vice President and Deputy General Counsel at Alliance Data Card Services, where he provided strategic direction for the legal department. He also held positions as Vice President and Senior Counsel at Bank of the West and as Vice President, Secretary, and Director of Legal Compliance at Franklin Capital Corporation, addressing consumer financial services regulatory and corporate governance needs. Additionally, he held consumer financial services regulatory legal roles at JP Morgan Chase and U.S. Bancorp. Tina Wilson, Chief People Officer Tina Wilson is the Chief People Officer at LendingClub, responsible for the company's workplace, including recruiting, culture, engagement, development, organizational design, and facilities. She joined LendingClub in 2015 and, during her tenure, has overseen the integration of multiple acquisitions, including Radius Bank, opened several new offices, and secured numerous top workplace awards. Before her time at LendingClub, Wilson was a Director at Daversa Partners, an executive search firm specializing in leadership recruiting for venture-backed companies.AI Analysis | Feedback
The key risks to LendingClub's business are primarily centered around the inherent nature of lending, market dynamics, and regulatory oversight.
- Credit Risk and Borrower Defaults: As a lending institution, LendingClub is fundamentally exposed to the risk that borrowers may default on their unsecured loans. This directly impacts the company's revenue and financial performance, particularly as LendingClub holds loans on its balance sheet. The annual default rate across all loan grades at LendingClub has historically been around 6% to 7%, with higher-risk borrowers exhibiting higher default rates. An increase in consumer loan default and charge-off rates can make it more difficult for LendingClub to facilitate originations.
- Interest Rate Risk and Macroeconomic Conditions: Fluctuations in interest rates and broader macroeconomic conditions, such as inflation and economic downturns, significantly impact LendingClub's business. Rising interest rates can reduce loan demand and increase the likelihood of borrower defaults, while economic recessions can lead to an overall increase in defaults. For example, rapid interest rate increases in 2022 and 2023 have already contributed to a reduction in marketplace origination volume and revenue.
- Regulatory Risk: LendingClub operates in a highly regulated financial environment and is subject to extensive supervision and legal requirements. Changes in laws, regulations, or increased regulatory scrutiny, such as anticipated regulation by the Consumer Financial Protection Bureau (CFPB) in 2025, could necessitate significant modifications to its products, services, and operations. Such changes can potentially impact the company's profitability and business opportunities, adding layers of compliance complexity.
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The increasing prevalence and acceptance of Buy Now, Pay Later (BNPL) services for a widening range of purchases. BNPL offers an alternative financing method for consumers, often with interest-free installments, for purchases ranging from retail goods to healthcare services. This model can bypass the need for traditional personal loans for smaller to medium-sized financing needs, potentially eroding a segment of demand for LendingClub's personal loan products as consumers opt for quicker, point-of-sale financing solutions.
The continued proliferation of digitally native banks and fintechs with full bank charters or deep bank partnerships. Companies like SoFi, which has also acquired a bank charter, or other fintechs expanding their product suites and access to deposits (e.g., Upgrade, Varo), directly compete with LendingClub for prime borrowers, deposits, and loan originations across personal loans, auto refinancing, and other financial products. These competitors often boast agile technology stacks, potentially lower operational costs, and integrated financial ecosystems, intensifying competition for LendingClub's target customer base and potentially leading to margin compression or increased customer acquisition costs.
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Presented below are the addressable market sizes for LendingClub's main products and services:
- Personal Loans: The unsecured personal loan market in the U.S. was valued at approximately $253 billion as of Q1 2025, with another estimate placing it at $257 billion as of Q2 2025. The global personal loans market was valued at $387.37 billion in 2024 and is projected to reach $429.78 billion in 2025. LendingClub operates primarily in the U.S. market for personal loans.
- Auto Refinance Loans: LendingClub estimates the annual auto refinance market in the U.S. to be $40 billion, with the potential to double. The total U.S. auto loan debt is over $1 trillion. North America dominated the broader refinance market in 2022. LendingClub's auto refinance loans are available across 40 states, covering 94% of the U.S. population.
- Patient Financing (Medical Patient Financing): The medical patient financing market in the U.S. was valued at $15.6 billion in 2023 and is projected to reach $16.0 billion in 2024.
- Home Improvement Financing: LendingClub announced its expansion into the U.S. home improvement financing market, which it identifies as a $500 billion opportunity.
- Small Business Loans: Information on the specific addressable market for LendingClub's small business loan offerings was not available in the search results.
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LendingClub (LC) is anticipated to drive future revenue growth over the next 2-3 years through several key strategies and market dynamics:- Growth in Marketplace Originations and Volume: The company has demonstrated robust growth in total loan originations, with a 37% year-over-year increase in Q3 2025, reaching over $2.6 billion. This expansion is fueled by improving loan sale prices and sustained demand in its marketplace, signaling continued opportunities for revenue generation. LendingClub's guidance for Q4 2025 projects originations between $2.5 billion and $2.6 billion, representing 35% to 41% year-over-year growth.
- Expanding Net Interest Income (NII) and Net Interest Margin (NIM): LendingClub achieved a record net interest income of $158 million in Q3 2025, driven by a growing balance sheet and an expanding net interest margin. This growth is further supported by lower deposit funding costs and an increase in interest-earning assets.
- Launch and Growth of Innovative Products and Services: The introduction of new products such as LevelUp Checking and DebtIQ has significantly enhanced member engagement, with LevelUp Checking generating a sevenfold increase in account openings compared to the previous checking product. Additionally, LendingClub has expanded into the home improvement financing market, a sector valued at approximately $500 billion, through a partnership with Wisetack and the acquisition of technology from Mosaic. These new offerings are expected to increase lifetime customer value and diversify revenue streams.
- Strategic Partnerships and Robust Funding Channels: A significant driver is the memorandum of understanding with BlackRock, which aims for BlackRock to purchase up to $1 billion through LendingClub's marketplace programs through 2026. The company also reported strong performance in its structured certificate program, with record sales exceeding $1 billion in Q3 2025. These initiatives, alongside a stable funding base from both marketplace investors and customer deposits, are expected to solidify the feasibility of LendingClub's growth outlook.
- Advanced Underwriting Models and Credit Performance: LendingClub's success is underpinned by its strong credit performance and advanced AI-powered underwriting models. These models are informed by over 150 billion cells of proprietary data, derived from millions of repayment events across various economic cycles. This expertise enables sustained, profitable loan growth and attracts investors to its marketplace, contributing to overall revenue expansion.
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Capital Allocation Decisions for LendingClub (LC) over the Last 3-5 Years
Share Repurchases
- LendingClub's Board of Directors approved a program to repurchase and acquire up to $100 million of the company's common stock through December 31, 2026.
- This repurchase authorization permits the company to buy up to 4.9% of its stock through open market purchases or by holding back vesting restricted stock units.
- The program reflects the company's strong balance sheet, confidence in its long-term earnings power, and a disciplined approach to capital allocation.
Inbound Investments
- LendingClub secured a Memorandum of Understanding (MOU) with BlackRock for investments of up to $1 billion through LendingClub's marketplace programs through 2026.
Outbound Investments
- In February 2020, LendingClub agreed to acquire Radius Bank for $185 million in cash and stock, completing the acquisition on February 1, 2021. This deal was significant as it marked the first time since the 2008 financial crisis that a U.S. fintech lender bought a regulated bank.
- In April 2025, LendingClub announced the acquisition of intellectual property and select talent behind Cushion, an AI-powered spending intelligence platform. [cite: 13, 9.1] This acquisition aims to complement and enhance LendingClub's suite of mobile financial products.
- In Q4 2024, LendingClub Bank acquired the direct-to-consumer credit management assets of fintech Tally, with several former Tally employees joining the bank.
Capital Expenditures
- LendingClub's net capital expenditures were $50.7 million for the year ended December 31, 2019, $31.1 million for 2020, and $34.4 million for 2021.
- The company expects capital expenditures related to enhancing its platform to increase in the future to support business growth. [cite: 4.1]
- LendingClub is making additional investments in marketing to further originations growth while maintaining strong credit discipline and innovating on member products and experiences. [cite: 9.1] The company is also expanding into the home improvement financing market through a partnership with Wisetack and the acquisition of core lending technology and talent from Mosaic. [cite: 7, 12, 14.1]
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| 11212025 | WU | Western Union | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | 13.8% | 13.8% | -0.4% |
| 11212025 | COIN | Coinbase Global | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | -0.3% | -0.3% | -0.5% |
| 11142025 | PYPL | PayPal | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -4.4% | -4.4% | -7.5% |
| 11142025 | V | Visa | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 7.6% | 7.6% | -2.7% |
| 11072025 | WD | Walker & Dunlop | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | -11.2% | -11.2% | -12.1% |
| 04302018 | LC | LendingClub | Special | Short Squeeze PotentialShort Squeeze PotentialHas potential for a short squeeze. High short interest, rising short interest and high debt. | 12.3% | 18.2% | -5.6% |
Research & Analysis
Invest in Strategies
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Peer Comparisons for LendingClub
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 27.26 |
| Mkt Cap | 2.3 |
| Rev LTM | 2,013 |
| Op Inc LTM | 413 |
| FCF LTM | 296 |
| FCF 3Y Avg | 221 |
| CFO LTM | 305 |
| CFO 3Y Avg | 231 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 23.1% |
| Rev Chg 3Y Avg | -0.5% |
| Rev Chg Q | 20.8% |
| QoQ Delta Rev Chg LTM | 4.4% |
| Op Mgn LTM | 15.2% |
| Op Mgn 3Y Avg | 13.3% |
| QoQ Delta Op Mgn LTM | 0.2% |
| CFO/Rev LTM | 12.2% |
| CFO/Rev 3Y Avg | 9.4% |
| FCF/Rev LTM | 11.8% |
| FCF/Rev 3Y Avg | 9.0% |
Price Behavior
Price Behavior
| Market Price | $19.75 | |
| Market Cap ($ Bil) | 2.3 | |
| First Trading Date | 12/11/2014 | |
| Distance from 52W High | -3.2% | |
| 50 Days | 200 Days | |
| DMA Price | $18.01 | $14.09 |
| DMA Trend | up | up |
| Distance from DMA | 9.7% | 40.1% |
| 3M | 1YR | |
| Volatility | 55.1% | 58.6% |
| Downside Capture | 236.24 | 205.23 |
| Upside Capture | 265.48 | 193.53 |
| Correlation (SPY) | 58.2% | 64.4% |
LC Betas & Captures as of 11/30/2025
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 2.80 | 2.55 | 2.48 | 2.32 | 1.92 | 1.90 |
| Up Beta | 1.87 | 2.50 | 3.18 | 3.21 | 1.80 | 1.78 |
| Down Beta | 1.31 | 3.01 | 2.82 | 3.22 | 2.09 | 2.04 |
| Up Capture | 414% | 329% | 215% | 282% | 308% | 1055% |
| Bmk +ve Days | 13 | 26 | 39 | 74 | 142 | 427 |
| Stock +ve Days | 12 | 24 | 31 | 69 | 124 | 366 |
| Down Capture | 278% | 191% | 210% | 113% | 142% | 111% |
| Bmk -ve Days | 7 | 16 | 24 | 52 | 107 | 323 |
| Stock -ve Days | 8 | 18 | 32 | 53 | 121 | 372 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Comparison of LC With Other Asset Classes (Last 1Y) | |||||||
|---|---|---|---|---|---|---|---|
| LC | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 21.2% | 18.3% | 19.2% | 71.9% | 8.9% | 6.0% | -10.1% |
| Annualized Volatility | 58.3% | 19.0% | 19.5% | 19.3% | 15.3% | 17.1% | 35.0% |
| Sharpe Ratio | 0.54 | 0.75 | 0.78 | 2.69 | 0.36 | 0.18 | -0.12 |
| Correlation With Other Assets | 60.9% | 64.3% | -4.5% | 22.1% | 41.1% | 31.0% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
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Based On 5-Year Data
| Comparison of LC With Other Asset Classes (Last 5Y) | |||||||
|---|---|---|---|---|---|---|---|
| LC | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 17.3% | 16.3% | 14.9% | 18.7% | 11.7% | 4.8% | 32.7% |
| Annualized Volatility | 68.3% | 18.9% | 17.1% | 15.5% | 18.7% | 18.9% | 48.7% |
| Sharpe Ratio | 0.51 | 0.72 | 0.70 | 0.97 | 0.51 | 0.17 | 0.60 |
| Correlation With Other Assets | 50.7% | 52.0% | 6.4% | 14.9% | 41.9% | 25.9% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
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Based On 10-Year Data
| Comparison of LC With Other Asset Classes (Last 10Y) | |||||||
|---|---|---|---|---|---|---|---|
| LC | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | -10.8% | 13.0% | 14.7% | 14.9% | 6.9% | 5.2% | 69.3% |
| Annualized Volatility | 64.9% | 22.3% | 18.0% | 14.8% | 17.6% | 20.8% | 55.8% |
| Sharpe Ratio | 0.10 | 0.54 | 0.70 | 0.83 | 0.31 | 0.22 | 0.90 |
| Correlation With Other Assets | 47.1% | 45.9% | 1.0% | 17.6% | 36.3% | 17.5% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
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Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 10/22/2025 | 10.5% | 4.2% | -4.9% |
| 7/29/2025 | 21.2% | 21.1% | 28.2% |
| 4/29/2025 | -11.3% | -9.2% | -8.0% |
| 1/28/2025 | -14.3% | -21.7% | -25.5% |
| 10/23/2024 | 10.9% | 16.8% | 27.6% |
| 7/30/2024 | 11.8% | -10.4% | 5.1% |
| 4/30/2024 | 19.7% | 19.5% | 17.7% |
| 1/30/2024 | 3.2% | -0.7% | -7.2% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 15 | 12 | 12 |
| # Negative | 9 | 12 | 12 |
| Median Positive | 10.9% | 17.9% | 15.7% |
| Median Negative | -11.3% | -12.9% | -8.0% |
| Max Positive | 47.8% | 69.6% | 70.0% |
| Max Negative | -29.2% | -23.7% | -36.3% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 9302025 | 10302025 | 10-Q 9/30/2025 |
| 6302025 | 7312025 | 10-Q 6/30/2025 |
| 3312025 | 5012025 | 10-Q 3/31/2025 |
| 12312024 | 2132025 | 10-K 12/31/2024 |
| 9302024 | 10302024 | 10-Q 9/30/2024 |
| 6302024 | 8012024 | 10-Q 6/30/2024 |
| 3312024 | 5012024 | 10-Q 3/31/2024 |
| 12312023 | 2162024 | 10-K 12/31/2023 |
| 9302023 | 10302023 | 10-Q 9/30/2023 |
| 6302023 | 7312023 | 10-Q 6/30/2023 |
| 3312023 | 5022023 | 10-Q 3/31/2023 |
| 12312022 | 2092023 | 10-K 12/31/2022 |
| 9302022 | 11012022 | 10-Q 9/30/2022 |
| 6302022 | 8012022 | 10-Q 6/30/2022 |
| 3312022 | 5042022 | 10-Q 3/31/2022 |
| 12312021 | 2112022 | 10-K 12/31/2021 |
Insider Activity
Expand for More| Owner | Title | Filing Date | Action | Price | Shares | TransactedValue | Value ofHeld Shares | Form | |
|---|---|---|---|---|---|---|---|---|---|
| 0 | ARMSTRONG ANNIE | Chief Risk Officer | 11192025 | Sell | 17.10 | 5,333 | 91,194 | 6,308,498 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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