公司背景 - LendingClub成立于2007年 最初是一家P2P借贷平台 是当时快速发展的金融科技领域的先驱之一 [1] - 公司于2014年上市 并在2020年进行了重大转型 关闭了其P2P借贷平台 [1] 行业观察 - 银行业与金融科技公司之间的交集日益增多 这一趋势值得关注 [1] - 作者在银行业领域已有5年的研究经验 对银行 金融科技 互助银行等金融领域有深入了解 [1]

公司公告 - LendingClub Corporation 将于2025年1月28日市场收盘后公布2024年第四季度及全年财报 [1] - 公司将在同一天下午2:00（太平洋时间）举行电话会议讨论财务结果 [1] 电话会议安排 - 分析师可在电话会议中提问 公司也接受在2025年1月27日中午12:00（太平洋时间）前通过电子邮件提交的问题 [2] - 电话会议将通过公司官网进行网络直播 参与者需提前注册或拨打电话接入 [3] - 电话会议结束后1小时内将提供音频存档 并持续至2025年2月4日 [4] 公司概况 - LendingClub Corporation 是LendingClub Bank的母公司 后者是美国领先的数字市场银行 [5] - 公司基于数百亿个数据单元和超过900亿美元的贷款 利用先进的信用决策和机器学习模型为客户提供信贷服务 [5] - 自2007年以来 已有超过500万会员加入LendingClub以实现其财务目标 [5]

After a very strong bull-run in 2024, LendingClub Corporation (NYSE: LC ) is off to another strong start. Valuation still remains well below historical levels, though one can easily argue that the historical multiple was overpriced. However, given the growthAnalyst’s Disclosure: I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am n ...

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Small deep value individual investor, with a modest private investment portfolio, split approx. 50%-50% between shares and call options. I have a B.Sc. in aeronautical engineering and over 6 years of experience as an engineering consultant in the aerospace sector. The latter statement is not relevant in any way whatsoever to my investment style, but I thought to add it for self-indulgent purposes. I have a contrarian investment style, highly risky, and often dealing with illiquid options. How illiquid? Well ...

LendingClub (LC) shares ended the last trading session 8.2% higher at $17.91. The jump came on an impressive volume with a higher-than-average number of shares changing hands in the session. This compares to the stock's 11% gain over the past four weeks.The upside can be attributed to LendingClub’s competitive strengths in its robust and resilient business model, leveraging two distinct revenue streams: marketplace revenue from loan origination fees and net interest income from loans retained for investment ...

If you'd like to learn more about how to best position yourself in undervalued stocks mispriced by the market to start December, consider joining Out Fox The Street .As with most fintechs, LendingClub Corporation (NYSE: LC ) has seen a big run this year. While the stock is up a lot off the lows, LendingClub is only trading back to a more normalized valuation. MyMark leads the investing group Out Fox The Street where he shares stock picks and deep research to help readers uncover potential multibaggers while ...

分组1: Zacks评级升级与LendingClub的投资机会 - LendingClub的Zacks评级从2（买入）升级，反映了其盈利预期的上升趋势，这是影响股价的最强大因素之一 [1] - Zacks评级系统依赖于公司盈利预期的变化，通过跟踪卖方分析师的EPS预期来形成共识估计 [1] - Zacks评级升级表明LendingClub的盈利前景改善，可能对其股价产生积极影响 [3] 分组2: 盈利预期修正与股价关系 - 公司未来盈利潜力的变化（通过盈利预期修正反映）与股价短期走势之间存在强相关性 [4] - 机构投资者利用盈利和盈利预期来计算公司股票的合理价值，盈利预期的增减直接影响其估值模型中的股票合理价值 [4] - LendingClub的盈利预期上升和评级升级意味着其基础业务的改善，投资者对这一趋势的认可可能推动股价上涨 [5] 分组3: Zacks评级系统的有效性 - Zacks评级系统利用与盈利预期相关的四个因素将股票分为五类，从1（强力买入）到5（强力卖出） [7] - 自1988年以来，Zacks Rank 1股票的平均年回报率为+25% [7] - Zacks评级系统在任何时候对其覆盖的4000多只股票保持“买入”和“卖出”评级的均衡比例，只有前5%的股票获得“强力买入”评级，接下来的15%获得“买入”评级 [9] 分组4: LendingClub的盈利预期修正 - 截至2024年12月的财年，LendingClub预计每股收益为0.47美元，较去年同期增长30.6% [8] - 过去三个月，LendingClub的Zacks共识预期增长了22.7% [8] - LendingClub的Zacks Rank 2评级使其在Zacks覆盖的股票中处于前20%，表明其盈利预期修正表现优异，可能在短期内产生超越市场的回报 [10][11]

Momentum investing revolves around the idea of following a stock's recent trend in either direction. In the 'long' context, investors will be essentially be "buying high, but hoping to sell even higher." With this methodology, taking advantage of trends in a stock's price is key; once a stock establishes a course, it is more than likely to continue moving that way. The goal is that once a stock heads down a fixed path, it will lead to timely and profitable trades.Even though momentum is a popular stock char ...

消费者信贷市场现状 - 消费者信用卡债务达到创纪录的1.142万亿美元 [5] - 尽管经济学家在过去两年中多次预测经济衰退，美国经济仍表现良好，消费者支出保持强劲 [4] - 38%的消费者考虑通过债务整合来节省利息支出 [2] LendingClub的业务模式 - LendingClub最初是一个P2P借贷平台，现已转型为个人贷款领域的专业公司 [6] - 公司持有15%至25%的高质量贷款，其余贷款在公开市场上出售给投资者 [7] - 通过出售贷款，公司获得贷款发放和服务费收入，持有贷款则获得净利息收入 [7] LendingClub的市场机会 - 美联储自2024年9月开始降息周期，基准利率下调50个基点，未来可能进一步降息 [3] - 高信用卡债务和降息环境为LendingClub提供了历史性的再融资机会 [8] - 公司开发了多种产品，帮助会员有效管理和整合债务，包括将信用卡余额转入支付计划 [8] LendingClub的财务表现 - 公司净冲销率从上一季度的6.2%降至最近季度的5.4%，连续两个季度下降 [10] - 信贷损失拨备从一年前的1700万美元降至4750万美元，净收入从500万美元增长至1450万美元 [10] - 预计第四季度贷款发放量将达到18亿至19亿美元，较去年同期的16亿美元有所增长 [10] 未来展望 - 市场预计2025年联邦基金利率将再下降100个基点 [11] - 高信用卡债务和降息趋势将为LendingClub的贷款业务带来强劲推动力 [11] 战略合作与技术发展 - LendingClub与Pagaya合作收购Tally Technologies的资产，以简化信用卡管理并优化支付 [9] - 此次收购将加速LendingClub会员参与平台的演进，推动未来增长 [9]