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Nov 06, 2021
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LendingClub (LC, $45.54) beats Q3 earnings expectations

LendingClub (LC, $45.54) beats Q3 earnings expectations

LendingClub posted better-than-expected third-quarter earnings.

In the quarter, LendingClub posted record net income $27.2 million, which  implies a +190% increase sequentially.

The company’s per-share earnings came in at 26 cents , beating the 12 cents a share expected by analysts at FactSet.  It had a loss of -25 cents in the year-ago quarter.

Total revenue in the quarter came in at  $246.2 billion, surpassing analysts’ expectations of $222 billion.

LendingClub’s marketplace revenue in the third quarter climbed +15% sequentially to $174 million, on the back of growth in loan origination and strong investor demand for loans, as mentioned by Chief Financial Officer Thomas Casey.

Origination fees rose 13% year-over-year  to $129 million.

Related Ticker: HAPN

HAPN in upward trend: price rose above 50-day moving average on November 04, 2026

HAPN moved above its 50-day moving average on November 04, 2026 date and that indicates a change from a downward trend to an upward trend. In 23 of 28 similar past instances, the stock price increased further within the following month. The odds of a continued upward trend are 82%.

Price Prediction Chart

Technical Analysis (Indicators)

Bullish Trend Analysis

The RSI Oscillator points to a transition from a downward trend to an upward trend -- in cases where HAPN's RSI Indicator exited the oversold zone, 22 of 34 resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 65%.

The Momentum Indicator moved above the 0 level on October 28, 2026. You may want to consider a long position or call options on HAPN as a result. In 63 of 84 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 75%.

The Moving Average Convergence Divergence (MACD) for HAPN just turned positive on October 02, 2026. Looking at past instances where HAPN's MACD turned positive, the stock continued to rise in 34 of 46 cases over the following month. The odds of a continued upward trend are 74%.

Following a +7.19% 3-day Advance, the price is estimated to grow further. Considering data from situations where HAPN advanced for three days, in 218 of 286 cases, the price rose further within the following month. The odds of a continued upward trend are 76%.

Bearish Trend Analysis

The Stochastic Oscillator demonstrated that the ticker has stayed in the overbought zone for 5 days. The longer the ticker stays in the overbought zone, the sooner a price pull-back is expected.

The 50-day moving average for HAPN moved below the 200-day moving average on October 12, 2026. This could be a long-term bearish signal for the stock as the stock shifts to an downward trend.

Following a 3-day decline, the stock is projected to fall further. Considering past instances where HAPN declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 82%.

HAPN broke above its upper Bollinger Band on November 04, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.

The Aroon Indicator for HAPN entered a downward trend on October 28, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.

Fundamental Analysis (Ratings)

The Tickeron SMR rating for this company is 14 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.

The Tickeron Price Growth Rating for this company is 58 (best 1 - 100 worst), indicating fairly steady price growth. HAPN’s price grows at a lower rate over the last 12 months as compared to S&P 500 index constituents.

The Tickeron PE Growth Rating for this company is 91 (best 1 - 100 worst), pointing to worse than average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.

The Tickeron Valuation Rating of 98 (best 1 - 100 worst) indicates that the company is significantly overvalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.175) is normal, around the industry mean (1.263). P/E Ratio (9.444) is within average values for comparable stocks, (13.498). HAPN's Projected Growth (PEG Ratio) (27.230) is very high in comparison to the industry average of (1.190). Dividend Yield (0.000) settles around the average of (0.035) among similar stocks. HAPN's P/S Ratio (1.832) is slightly lower than the industry average of (3.738).

The Tickeron Profit vs. Risk Rating rating for this company is 100 (best 1 - 100 worst), indicating that the returns do not compensate for the risks. HAPN’s unstable profits reported over time resulted in significant Drawdowns within these last five years. A stable profit reduces stock drawdown and volatility. The average Profit vs. Risk Rating rating for the industry is 56, placing this stock worse than average.

Notable companies

The most notable companies in this group are US Bancorp (NYSE:USB), PNC Financial Services Group (NYSE:PNC), Itau Unibanco Banco Holding SA (NYSE:ITUB), Deutsche Bank Aktiengesellschaft (NYSE:DB), Huntington Bancshares (NASDAQ:HBAN), Banco Bradesco SA (NYSE:BBD), Regions Financial Corp (NYSE:RF), KeyCorp (NYSE:KEY).

Industry description

Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.

Market Cap

The average market capitalization across the Regional Banks Industry is 6.02B. The market cap for tickers in the group ranges from 147.87 to 173.74B. DBSDF holds the highest valuation in this group at 173.74B. The lowest valued company is VLYPP at 147.87.

High and low price notable news

The average weekly price growth across all stocks in the Regional Banks Industry was 0%. For the same Industry, the average monthly price growth was 2%, and the average quarterly price growth was 7%. FGBI experienced the highest price growth at 22%, while SHFS experienced the biggest fall at -58%.

Volume

The average weekly volume growth across all stocks in the Regional Banks Industry was 2%. For the same stocks of the Industry, the average monthly volume growth was 7% and the average quarterly volume growth was 41%

Fundamental Analysis Ratings

The average fundamental analysis ratings, where 1 is best and 100 is worst, are as follows

Valuation Rating: 51
P/E Growth Rating: 53
Price Growth Rating: 48
SMR Rating: 37
Profit Risk Rating: 55
Seasonality Score: 34 (-100 ... +100)
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A.I.Advisor
published price charts
A.I. Advisor
published General Information

General Information

a provider of online marketplace that facilitates loans to qualified borrowers and investments

Industry RegionalBanks

Industry
Finance Or Rental Or Leasing
Address
88 Kearny Street
Phone
+1 415 930-7440
Employees
1075
Web
https://www.happen.com
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