LC
LendingClub Corporation Financial Services - Fintech Investor Relations →
LendingClub Corporation (LC) closed at $16.94 as of 2026-02-02, trading 48.4% above its 200-week moving average of $11.42. The stock moved further from the line this week, up from 48.3% last week. The 14-week RSI sits at 48, indicating neutral momentum.
Over the past 534 weeks of data, LC has crossed below its 200-week moving average 6 times. On average, these episodes lasted 73 weeks. The average one-year return after crossing below was -28.2%, suggesting these dips have not historically been reliable buying opportunities for this stock.
With a market cap of $1954 million, LC is a small-cap stock. Return on equity stands at 9.5%. The stock trades at 1.3x book value.
Share count has increased 12.2% over three years, indicating dilution.
Over the past 10.3 years, a hypothetical investment of $100 in LC would have grown to $26, compared to $393 for the S&P 500. LC has returned -12.1% annualized vs 14.2% for the index, underperforming the broader market over this period.
Free cash flow has been declining at a -100% compound annual rate. A deteriorating cash flow trend warrants extra scrutiny — the stock may be cheap for a reason.
Growth of $100: LC vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After LC Crosses Below the Line?
Across 6 historical episodes, buying LC when it crossed below its 200-week moving average produced an average return of -26.8% after 12 months (median -18.0%), compared to +6.3% for the S&P 500 over the same periods. 17% of those episodes were profitable after one year. After 24 months, the average return was -46.2% vs +25.8% for the index.
Each line shows $100 invested at the moment LC crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Historical Touches
LC has crossed below its 200-week MA 6 times with an average 1-year return of +-28.2% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Nov 2015 | Mar 2021 | 278 | 77.1% | -52.7% | -73.2% |
| Apr 2021 | May 2021 | 6 | 13.0% | -8.3% | +14.8% |
| Mar 2022 | Mar 2022 | 1 | 7.6% | -46.4% | +19.0% |
| Apr 2022 | May 2022 | 7 | 13.9% | -52.7% | +18.8% |
| Jun 2022 | Oct 2024 | 124 | 60.6% | -34.6% | +20.4% |
| Jan 2025 | Jul 2025 | 24 | 35.9% | +25.4% | +25.6% |
| Average | 73 | — | +-28.2% | — |
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of Friday close, 2026-02-02