Avoid. LendingClub scores 43/100 on Growth Compounder metrics with tepid revenue expansion, while its 46/100 Leadership Alignment reflects misaligned incentives and moderate insider ownership. The Vulnerable profile—tied to cyclical consumer credit exposure and regulatory sensitivity—offers limited downside protection at 11× forward earnings, making risk/reward unfavorable for long-term wealth building.
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Stocky rates LendingClub Corporation (LC) at 33/100 — an Avoid — fundamentals or risks are too weak. The score fuses business quality, moat width, leadership alignment, valuation and analyst signal into a single number. Avoid. LendingClub scores 43/100 on Growth Compounder metrics with tepid revenue expansion, while its 46/100 Leadership Alignment reflects misaligned incentives and moderate insider ownership. The Vulnerable profile—tied to cyclical consume
LC's current Stocky Verdict is 33/100, placing it in the "Avoid" band. This composite combines a 43/100 Compounder score, 46/100 Leadership, Moat rating, and analyst signal.
Stocky hasn't finalised a Moat Score for LendingClub Corporation yet — the analysis draws from ROIC trends, pricing power evidence, and competitive-position filings.
LendingClub Corporation scores 46/100 on Leadership Alignment. Higher = more founder involvement, higher insider ownership, sensible pay, and evidence of long-term capital allocation discipline.
LendingClub Corporation's Vulnerability Profile scores 0/100 (higher = more resilient). The profile flags customer concentration, supply chain, refinancing walls and regulatory risks specific to LendingClub Corporation.
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