Key Takeaways:
- LendingClub stock could reasonably reach $18.82/share by the end of 2027, based on our valuation assumptions.
- That implies a 50.6% total return from today’s price of $12.50/share, with an annualized return of 18% over the next 2.5 years.
- LendingClub operates as both a marketplace lender and a regulated bank, benefiting from improving loan pricing, growing net interest income, and strong credit performance.
LendingClub (LC) is a financial technology company that operates both a peer-to-peer lending marketplace and a regulated bank, connecting borrowers seeking personal loans with institutional investors and using its balance sheet for loan originations.
It benefits from a large addressable market in credit card refinancing, improving loan sales pricing due to strong credit performance, and growing recurring revenue from its banking operations.
With a proven track record spanning multiple economic cycles, a strong capital position, and expanding product offerings through its mobile app, LendingClub remains well-positioned as a compelling fintech play in the consumer lending space.
Here’s why LC stock could return 18% annually through 2027 and potentially continue strong performance through 2030.
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What the Model Says for LC Stock
We analyzed LendingClub’s potential using valuation assumptions based on the company’s recent performance and management guidance.
Based on assumptions of 20.6% annual revenue growth, 37.3% operating margins, and a cheap valuation multiple, the model estimates LendingClub stock could rise from $12.50/share to $18.82/share.
That represents a total return of 50.6% and an annualized return of 18% over the next 2.5 years.

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Our Valuation Assumptions
TIKR’s Valuation Model lets you plug in your own assumptions for a company’s revenue growth, operating margins, and P/E multiple, and calculates the stock’s expected returns.
Here’s what we used for Lending Club stock:
1. Revenue Growth: 20.6%
LendingClub delivered 20% revenue growth in Q1 and has guided for continued strong growth as it expands marketing channels and grows loan originations.
We used a 20.6% forecast to reflect the company’s guidance for $2.1-2.3 billion in Q2 originations and management’s confidence in reaching Q4 targets.
2. Operating Margins: 37.3%
Lending Club’s EBIT margins have averaged around 33.6% over the last three years. We projected an improvement to 37.3% as the company scales and benefits from improved loan pricing.
3. Exit P/E Multiple: 12x
LC stock currently trades at a forward P/E of 15.6x, which is lower than its average three-year multiple of 25x. We have forecast an even lower multiple of 12 times, accounting for the cyclicality of the lending sector and a tepid macroeconomic environment.
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What Happens If Things Go Better or Worse?
TIKR’s valuation tool allows investors to test a wide range of outcomes based on how LC stock performs through 2030 under different scenarios (these are estimates, not guaranteed returns):
- Low Case: Slower loan demand recovery and margin pressure → 23% annual returns.
- Mid Case: Solid execution on growth initiatives and stable credit → 28% annual returns.
- High Case: Stronger-than-expected origination growth and market expansion → 31% annual returns.
Even in the conservative case, LendingClub offers attractive potential returns, while the upside scenario could deliver exceptional gains if growth accelerates.

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TIKR Takeaway
LendingClub represents a compelling combination of marketplace lending expertise and traditional banking capabilities, with strong competitive positioning in the large personal loan market.
With an estimated 50.6% upside by the end of 2027 and potential annual returns of 18%, LendingClub stands out as a high-quality fintech play benefiting from improving credit performance, expanding market reach, and growing recurring revenue streams.
The combination of strong fundamentals, multiple growth drivers, and reasonable valuation makes LendingClub stock an attractive consideration for growth-oriented portfolios.
Is LC stock worth buying today? Use TIKR’s Valuation Model and analyst forecasts to see if it looks undervalued.
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Disclaimer:
Please note that the articles on TIKR are not intended to serve as investment or financial advice from TIKR or our content team, nor are they recommendations to buy or sell any stocks. We create our content based on TIKR Terminal’s investment data and analysts’ estimates. Our analysis might not include recent company news or important updates. TIKR has no position in any stocks mentioned. Thank you for reading, and happy investing!