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LendingClub (FRA:8LCA) Shiller PE Ratio : (As of May. 24, 2024)


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What is LendingClub Shiller PE Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


LendingClub Shiller PE Ratio Historical Data

The historical data trend for LendingClub's Shiller PE Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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LendingClub Shiller PE Ratio Chart

LendingClub Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Shiller PE Ratio
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LendingClub Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
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Competitive Comparison of LendingClub's Shiller PE Ratio

For the Credit Services subindustry, LendingClub's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


LendingClub's Shiller PE Ratio Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, LendingClub's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where LendingClub's Shiller PE Ratio falls into.



LendingClub Shiller PE Ratio Calculation

For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

LendingClub's E10 for the quarter that ended in Mar. 2024 is calculated as:

For example, LendingClub's adjusted earnings per share data for the three months ended in Mar. 2024 was:

Adj_EPS=Earnings per Share (Diluted)/CPI of Mar. 2024 (Change)*Current CPI (Mar. 2024)
=0.101/131.7762*131.7762
=0.101

Current CPI (Mar. 2024) = 131.7762.

LendingClub Quarterly Data

Earnings per Share (Diluted) CPI Adj_EPS
201406 -0.583 100.560 -0.764
201409 -0.079 100.428 -0.104
201412 -0.284 99.070 -0.378
201503 -0.092 99.621 -0.122
201506 -0.045 100.684 -0.059
201509 0.011 100.392 0.014
201512 0.046 99.792 0.061
201603 0.045 100.470 0.059
201606 -0.935 101.688 -1.212
201609 -0.401 101.861 -0.519
201612 -0.379 101.863 -0.490
201703 -0.327 102.862 -0.419
201706 -0.267 103.349 -0.340
201709 -0.084 104.136 -0.106
201712 -0.929 104.011 -1.177
201803 -0.284 105.290 -0.355
201806 -0.616 106.317 -0.764
201809 -0.231 106.507 -0.286
201812 -0.132 105.998 -0.164
201903 -0.204 107.251 -0.251
201906 -0.106 108.070 -0.129
201909 -0.004 108.329 -0.005
201912 0.002 108.420 0.002
202003 -0.995 108.902 -1.204
202006 -0.773 108.767 -0.937
202009 -0.323 109.815 -0.388
202012 -0.238 109.897 -0.285
202103 -0.412 111.754 -0.486
202106 0.075 114.631 0.086
202109 0.221 115.734 0.252
202112 0.239 117.630 0.268
202203 0.354 121.301 0.385
202206 1.637 125.017 1.726
202209 0.414 125.227 0.436
202212 0.208 125.222 0.219
202303 0.121 127.348 0.125
202306 0.083 128.729 0.085
202309 0.047 129.860 0.048
202312 0.083 129.419 0.085
202403 0.101 131.776 0.101

Add all the adjusted EPS together and divide 10 will get our E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


LendingClub  (FRA:8LCA) Shiller PE Ratio Explanation

Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.

Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.


Be Aware

Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.


LendingClub Shiller PE Ratio Related Terms

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LendingClub (FRA:8LCA) Business Description

Traded in Other Exchanges
Address
595 Market Street, Suite 200, San Francisco, CA, USA, 94105
LendingClub Corp is a company engaged in operating an online lending marketplace platform that connects borrowers and investors for the provision of the loan facility. It offers investors access to an asset class that has generally been closed to many investors and only available on a limited basis to institutional investors. The company through the platform offers loan products such as personal, education and patient finance, small business, and auto to interested investors. It generates a majority of the revenue from the transaction fees received from the platform's role in accepting and decisioning applications on behalf of the bank partners to enable loan originations.

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