Is DocuSign Stock Undervalued?
Digital signature software business DocuSign (NASDAQ:DOCU) has been struggling over…
Buy
67
LC Quote, Financials, Valuation and Earnings
Last price:
$19.78
Seasonality move
:
-3.76%
Day range:
$19.54 - $19.86
52-week range:
$7.90 - $20.94
Dividend yield:
0%
P/E ratio:
22.23x
P/S ratio:
1.63x
P/B ratio:
1.56x
Volume:
510.3K
Avg. volume:
1.6M
1-year change:
18.55%
Market cap:
$2.3B
Revenue:
$1.3B
EPS (TTM):
$0.89
Price Performance History
Performance vs. Valuation Benchmarks
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Competitors
| Company | Revenue Forecast | Earnings Forecast | Revenue Growth Forecast | Earnings Growth Forecast | Analyst Price Target Median |
|---|---|---|---|---|---|
|
LC
LendingClub Corp.
|
$256M | $0.31 | -22.77% | 309.71% | $22.45 |
|
BANC
Banc of California, Inc.
|
$283.9M | $0.33 | -36.36% | 31.9% | $21.50 |
|
C
Citigroup, Inc.
|
$21.2B | $1.93 | -49% | 33.82% | $118.14 |
|
JPM
JPMorgan Chase & Co.
|
$45.6B | $4.87 | -31.97% | 2.9% | $328.87 |
|
PFS
Provident Financial Services, Inc.
|
$220.7M | $0.54 | -33.3% | 48.87% | $23.13 |
|
UPST
Upstart Holdings, Inc.
|
$279.6M | $0.42 | 31.8% | -98.3% | $55.38 |
| Company | Price | Analyst Target | Market Cap | P/E Ratio | Dividend per Share | Dividend Yield | Price / LTM Sales |
|---|---|---|---|---|---|---|---|
|
LC
LendingClub Corp.
|
$19.75 | $22.45 | $2.3B | 22.23x | $0.00 | 0% | 1.63x |
|
BANC
Banc of California, Inc.
|
$19.71 | $21.50 | $3.1B | 19.18x | $0.10 | 2.03% | 1.78x |
|
C
Citigroup, Inc.
|
$121.55 | $118.14 | $217.5B | 17.09x | $0.60 | 1.91% | 1.36x |
|
JPM
JPMorgan Chase & Co.
|
$329.17 | $328.87 | $896.1B | 16.30x | $1.50 | 1.69% | 3.33x |
|
PFS
Provident Financial Services, Inc.
|
$20.49 | $23.13 | $2.7B | 10.43x | $0.24 | 4.69% | 1.96x |
|
UPST
Upstart Holdings, Inc.
|
$48.22 | $55.38 | $4.7B | 211.77x | $0.00 | 0% | 4.98x |
| Company | Total Debt / Total Capital | Beta | Debt to Equity | Quick Ratio |
|---|---|---|---|---|
|
LC
LendingClub Corp.
|
3.51% | 2.054 | 3.04% | 8.27x |
|
BANC
Banc of California, Inc.
|
46.02% | 1.006 | 96.25% | 0.00x |
|
C
Citigroup, Inc.
|
77.26% | 1.972 | 359.05% | 0.00x |
|
JPM
JPMorgan Chase & Co.
|
75.36% | 1.441 | 125.37% | 0.00x |
|
PFS
Provident Financial Services, Inc.
|
49.13% | 0.949 | 106.12% | 0.00x |
|
UPST
Upstart Holdings, Inc.
|
72.41% | 2.956 | 39.49% | 4.50x |
| Company | Gross Profit | Operating Income | Return on Invested Capital | Return on Common Equity | EBIT Margin | Free Cash Flow |
|---|---|---|---|---|---|---|
|
LC
LendingClub Corp.
|
$287.9M | $57.4M | 7.22% | 7.51% | 26.72% | -$791.8M |
|
BANC
Banc of California, Inc.
|
-- | $92.3M | 3.38% | 5.99% | 58.15% | $72.7M |
|
C
Citigroup, Inc.
|
-- | $5.4B | 1.64% | 6.91% | 61.76% | -$11.9B |
|
JPM
JPMorgan Chase & Co.
|
-- | $18.8B | 4.32% | 16.41% | 61.65% | $38.1B |
|
PFS
Provident Financial Services, Inc.
|
-- | $101.6M | 4.77% | 9.59% | 66.04% | $96.7M |
|
UPST
Upstart Holdings, Inc.
|
$271M | $23.7M | 1.48% | 4.78% | 8.54% | -$126.6M |
LendingClub Corp. vs. Competitors
-
Which has Higher Returns LC or BANC?
Banc of California, Inc. has a net margin of 11.41% compared to LendingClub Corp.'s net margin of 14.91%. LendingClub Corp.'s return on equity of 7.51% beat Banc of California, Inc.'s return on equity of 5.99%.
Company Gross Margin Earnings Per Share Invested Capital LCLendingClub Corp.74.2% $0.37 $1.5B BANCBanc of California, Inc.-- $0.38 $6.4B -
What do Analysts Say About LC or BANC?
LendingClub Corp. has a consensus price target of $22.45, signalling upside risk potential of 13.69%. On the other hand Banc of California, Inc. has an analysts' consensus of $21.50 which suggests that it could grow by 9.19%. Given that LendingClub Corp. has higher upside potential than Banc of California, Inc., analysts believe LendingClub Corp. is more attractive than Banc of California, Inc..
Company Buy Ratings Hold Ratings Sell Ratings LCLendingClub Corp.5 1 0 BANCBanc of California, Inc.6 1 0 -
Is LC or BANC More Risky?
LendingClub Corp. has a beta of 2.137, which suggesting that the stock is 113.663% more volatile than S&P 500. In comparison Banc of California, Inc. has a beta of 0.717, suggesting its less volatile than the S&P 500 by 28.282%.
-
Which is a Better Dividend Stock LC or BANC?
LendingClub Corp. has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. Banc of California, Inc. offers a yield of 2.03% to investors and pays a quarterly dividend of $0.10 per share. LendingClub Corp. pays -- of its earnings as a dividend. Banc of California, Inc. pays out 77.41% of its earnings as a dividend. Banc of California, Inc.'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios LC or BANC?
LendingClub Corp. quarterly revenues are $388M, which are smaller than Banc of California, Inc. quarterly revenues of $466.8M. LendingClub Corp.'s net income of $44.3M is lower than Banc of California, Inc.'s net income of $69.6M. Notably, LendingClub Corp.'s price-to-earnings ratio is 22.23x while Banc of California, Inc.'s PE ratio is 19.18x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for LendingClub Corp. is 1.63x versus 1.78x for Banc of California, Inc.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income LCLendingClub Corp.1.63x 22.23x $388M $44.3M BANCBanc of California, Inc.1.78x 19.18x $466.8M $69.6M
-
Which has Higher Returns LC or C?
Citigroup, Inc. has a net margin of 11.41% compared to LendingClub Corp.'s net margin of 8.55%. LendingClub Corp.'s return on equity of 7.51% beat Citigroup, Inc.'s return on equity of 6.91%.
Company Gross Margin Earnings Per Share Invested Capital LCLendingClub Corp.74.2% $0.37 $1.5B CCitigroup, Inc.-- $1.86 $937.4B -
What do Analysts Say About LC or C?
LendingClub Corp. has a consensus price target of $22.45, signalling upside risk potential of 13.69%. On the other hand Citigroup, Inc. has an analysts' consensus of $118.14 which suggests that it could fall by -1.05%. Given that LendingClub Corp. has higher upside potential than Citigroup, Inc., analysts believe LendingClub Corp. is more attractive than Citigroup, Inc..
Company Buy Ratings Hold Ratings Sell Ratings LCLendingClub Corp.5 1 0 CCitigroup, Inc.11 4 0 -
Is LC or C More Risky?
LendingClub Corp. has a beta of 2.137, which suggesting that the stock is 113.663% more volatile than S&P 500. In comparison Citigroup, Inc. has a beta of 1.217, suggesting its more volatile than the S&P 500 by 21.719%.
-
Which is a Better Dividend Stock LC or C?
LendingClub Corp. has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. Citigroup, Inc. offers a yield of 1.91% to investors and pays a quarterly dividend of $0.60 per share. LendingClub Corp. pays -- of its earnings as a dividend. Citigroup, Inc. pays out 36.68% of its earnings as a dividend. Citigroup, Inc.'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios LC or C?
LendingClub Corp. quarterly revenues are $388M, which are smaller than Citigroup, Inc. quarterly revenues of $43.9B. LendingClub Corp.'s net income of $44.3M is lower than Citigroup, Inc.'s net income of $3.8B. Notably, LendingClub Corp.'s price-to-earnings ratio is 22.23x while Citigroup, Inc.'s PE ratio is 17.09x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for LendingClub Corp. is 1.63x versus 1.36x for Citigroup, Inc.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income LCLendingClub Corp.1.63x 22.23x $388M $44.3M CCitigroup, Inc.1.36x 17.09x $43.9B $3.8B
-
Which has Higher Returns LC or JPM?
JPMorgan Chase & Co. has a net margin of 11.41% compared to LendingClub Corp.'s net margin of 19.98%. LendingClub Corp.'s return on equity of 7.51% beat JPMorgan Chase & Co.'s return on equity of 16.41%.
Company Gross Margin Earnings Per Share Invested Capital LCLendingClub Corp.74.2% $0.37 $1.5B JPMJPMorgan Chase & Co.-- $5.07 $1.5T -
What do Analysts Say About LC or JPM?
LendingClub Corp. has a consensus price target of $22.45, signalling upside risk potential of 13.69%. On the other hand JPMorgan Chase & Co. has an analysts' consensus of $328.87 which suggests that it could fall by -0.09%. Given that LendingClub Corp. has higher upside potential than JPMorgan Chase & Co., analysts believe LendingClub Corp. is more attractive than JPMorgan Chase & Co..
Company Buy Ratings Hold Ratings Sell Ratings LCLendingClub Corp.5 1 0 JPMJPMorgan Chase & Co.9 8 2 -
Is LC or JPM More Risky?
LendingClub Corp. has a beta of 2.137, which suggesting that the stock is 113.663% more volatile than S&P 500. In comparison JPMorgan Chase & Co. has a beta of 1.082, suggesting its more volatile than the S&P 500 by 8.24%.
-
Which is a Better Dividend Stock LC or JPM?
LendingClub Corp. has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. JPMorgan Chase & Co. offers a yield of 1.69% to investors and pays a quarterly dividend of $1.50 per share. LendingClub Corp. pays -- of its earnings as a dividend. JPMorgan Chase & Co. pays out 24.3% of its earnings as a dividend. JPMorgan Chase & Co.'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios LC or JPM?
LendingClub Corp. quarterly revenues are $388M, which are smaller than JPMorgan Chase & Co. quarterly revenues of $71.7B. LendingClub Corp.'s net income of $44.3M is lower than JPMorgan Chase & Co.'s net income of $14.3B. Notably, LendingClub Corp.'s price-to-earnings ratio is 22.23x while JPMorgan Chase & Co.'s PE ratio is 16.30x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for LendingClub Corp. is 1.63x versus 3.33x for JPMorgan Chase & Co.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income LCLendingClub Corp.1.63x 22.23x $388M $44.3M JPMJPMorgan Chase & Co.3.33x 16.30x $71.7B $14.3B
-
Which has Higher Returns LC or PFS?
Provident Financial Services, Inc. has a net margin of 11.41% compared to LendingClub Corp.'s net margin of 20.28%. LendingClub Corp.'s return on equity of 7.51% beat Provident Financial Services, Inc.'s return on equity of 9.59%.
Company Gross Margin Earnings Per Share Invested Capital LCLendingClub Corp.74.2% $0.37 $1.5B PFSProvident Financial Services, Inc.-- $0.55 $5.4B -
What do Analysts Say About LC or PFS?
LendingClub Corp. has a consensus price target of $22.45, signalling upside risk potential of 13.69%. On the other hand Provident Financial Services, Inc. has an analysts' consensus of $23.13 which suggests that it could grow by 12.86%. Given that LendingClub Corp. has higher upside potential than Provident Financial Services, Inc., analysts believe LendingClub Corp. is more attractive than Provident Financial Services, Inc..
Company Buy Ratings Hold Ratings Sell Ratings LCLendingClub Corp.5 1 0 PFSProvident Financial Services, Inc.2 0 0 -
Is LC or PFS More Risky?
LendingClub Corp. has a beta of 2.137, which suggesting that the stock is 113.663% more volatile than S&P 500. In comparison Provident Financial Services, Inc. has a beta of 0.884, suggesting its less volatile than the S&P 500 by 11.617%.
-
Which is a Better Dividend Stock LC or PFS?
LendingClub Corp. has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. Provident Financial Services, Inc. offers a yield of 4.69% to investors and pays a quarterly dividend of $0.24 per share. LendingClub Corp. pays -- of its earnings as a dividend. Provident Financial Services, Inc. pays out 91.17% of its earnings as a dividend. Provident Financial Services, Inc.'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios LC or PFS?
LendingClub Corp. quarterly revenues are $388M, which are larger than Provident Financial Services, Inc. quarterly revenues of $353.7M. LendingClub Corp.'s net income of $44.3M is lower than Provident Financial Services, Inc.'s net income of $71.7M. Notably, LendingClub Corp.'s price-to-earnings ratio is 22.23x while Provident Financial Services, Inc.'s PE ratio is 10.43x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for LendingClub Corp. is 1.63x versus 1.96x for Provident Financial Services, Inc.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income LCLendingClub Corp.1.63x 22.23x $388M $44.3M PFSProvident Financial Services, Inc.1.96x 10.43x $353.7M $71.7M
-
Which has Higher Returns LC or UPST?
Upstart Holdings, Inc. has a net margin of 11.41% compared to LendingClub Corp.'s net margin of 11.48%. LendingClub Corp.'s return on equity of 7.51% beat Upstart Holdings, Inc.'s return on equity of 4.78%.
Company Gross Margin Earnings Per Share Invested Capital LCLendingClub Corp.74.2% $0.37 $1.5B UPSTUpstart Holdings, Inc.97.79% $0.23 $2.7B -
What do Analysts Say About LC or UPST?
LendingClub Corp. has a consensus price target of $22.45, signalling upside risk potential of 13.69%. On the other hand Upstart Holdings, Inc. has an analysts' consensus of $55.38 which suggests that it could grow by 14.86%. Given that Upstart Holdings, Inc. has higher upside potential than LendingClub Corp., analysts believe Upstart Holdings, Inc. is more attractive than LendingClub Corp..
Company Buy Ratings Hold Ratings Sell Ratings LCLendingClub Corp.5 1 0 UPSTUpstart Holdings, Inc.4 6 2 -
Is LC or UPST More Risky?
LendingClub Corp. has a beta of 2.137, which suggesting that the stock is 113.663% more volatile than S&P 500. In comparison Upstart Holdings, Inc. has a beta of 0.000, suggesting its less volatile than the S&P 500 by 100%.
-
Which is a Better Dividend Stock LC or UPST?
LendingClub Corp. has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. Upstart Holdings, Inc. offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. LendingClub Corp. pays -- of its earnings as a dividend. Upstart Holdings, Inc. pays out -- of its earnings as a dividend.
-
Which has Better Financial Ratios LC or UPST?
LendingClub Corp. quarterly revenues are $388M, which are larger than Upstart Holdings, Inc. quarterly revenues of $277.1M. LendingClub Corp.'s net income of $44.3M is higher than Upstart Holdings, Inc.'s net income of $31.8M. Notably, LendingClub Corp.'s price-to-earnings ratio is 22.23x while Upstart Holdings, Inc.'s PE ratio is 211.77x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for LendingClub Corp. is 1.63x versus 4.98x for Upstart Holdings, Inc.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income LCLendingClub Corp.1.63x 22.23x $388M $44.3M UPSTUpstart Holdings, Inc.4.98x 211.77x $277.1M $31.8M
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