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LC vs UHAL
Which Stock Would AI Choose? LendingClub Corporation (LC) vs. U-Haul Holding Company (UHAL) Stock Comparison
Key Takeaways
- LC delivered a strong Q1 2026 earnings beat with EPS of $0.44 and 31% growth in loan originations, driving positive stock momentum in recent weeks.
- UHAL reported a Q3 fiscal 2026 net loss and EPS miss earlier in the year, contributing to more subdued relative performance amid ongoing cost pressures.
- LC benefits from fintech-driven growth in consumer lending and expansion plans into home improvement financing, while UHAL operates in the mature moving and storage sector with exposure to fleet and real estate dynamics.
- Recent market activity shows LC outperforming broader indices on a year-to-date basis, whereas UHAL has lagged with modest or negative returns over similar periods.
- Risk factors differ markedly: LC faces credit and interest rate sensitivity, while UHAL contends with depreciation, acquisition costs, and storage market supply.
- Both stocks trade in distinct sectors, offering investors complementary exposures rather than direct substitutes in a diversified portfolio.
Introduction
Investors and traders seeking to understand relative performance between a digital lending platform and a leading moving and storage services provider often examine LC and UHAL. This comparison highlights contrasts in business models, recent momentum, and market positioning within the current environment. The analysis appeals to those evaluating sector diversification, growth-oriented fintech exposure versus defensive consumer services, and how macroeconomic factors influence each name differently. By reviewing verifiable developments over recent weeks alongside broader trends, market participants can assess trade-offs in volatility, catalysts, and stability.
LC Overview and Recent Performance
LendingClub Corporation operates a digital marketplace connecting borrowers and investors, with a focus on unsecured personal loans and related financial products. In recent market activity, the company reported robust first-quarter 2026 results that exceeded expectations, including a 31% year-over-year increase in loan originations and record pre-tax income. These results reflected improved profitability metrics, such as a 13.7% return on equity and 14.5% return on tangible common equity (ROTCE). Sentiment improved following the release, supporting share price gains amid broader positive momentum for the stock on a year-to-date basis. Key influences include strategic initiatives like an upcoming rebrand and entry into adjacent lending categories, which have contributed to sustained investor interest in recent weeks.
UHAL Overview and Recent Performance
U-Haul Holding Company provides moving equipment rentals, self-storage, and related services through a nationwide network. Recent market activity has reflected ongoing operational challenges, including elevated fleet depreciation and acquisition costs that weighed on profitability in the most recent reported quarter. The company has pursued incremental product innovations, such as new truck configurations, while navigating supply dynamics in the storage segment. Performance has remained relatively stable but has not matched broader market gains, with year-to-date returns trailing major indices amid these headwinds. Sentiment in recent weeks has been shaped by cost management efforts and steady demand for core services, though earnings variability has tempered enthusiasm compared to earlier periods.
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Head-to-Head Comparison
LC and UHAL operate in fundamentally different sectors, with LC positioned in fintech lending and UHAL in consumer services tied to mobility and storage. Growth drivers for LC center on loan origination volume and credit performance, recently bolstered by earnings expansion, while UHAL relies on utilization rates and fleet efficiency amid cyclical demand. Recent momentum favors LC following its earnings outperformance, contrasting with UHAL’s earlier reported shortfall and more measured price action. Risk factors include credit cycles and regulatory exposure for LC, versus capital-intensive operations and commodity-like cost pressures for UHAL. Sector exposure places LC in financials with sensitivity to interest rates, while UHAL offers defensive characteristics in a mature industry. Market sentiment has reflected these distinctions, with LC attracting renewed attention on positive catalysts and UHAL trading with greater stability but limited upside momentum in recent weeks.
Tickeron AI Verdict
Based on observable factors such as recent trend consistency and earnings-driven catalysts, Tickeron’s AI models would currently assign a higher probabilistic preference to LC over UHAL. Strong origination growth and profitability metrics have supported more favorable relative positioning for LC in the short term, while UHAL faces ongoing cost headwinds that have weighed on stability. This assessment draws from verifiable performance differentials rather than forward projections and remains subject to evolving market conditions.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is LC is a Hold and UHAL is a Hold.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
LC’s FA Score shows that 0 FA rating(s) are green whileUHAL’s FA Score has 1 green FA rating(s).
- LC’s FA Score: 0 green, 5 red.
- UHAL’s FA Score: 1 green, 4 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
LC’s TA Score shows that 4 TA indicator(s) are bullish while UHAL’s TA Score has 4 bullish TA indicator(s).
- LC’s TA Score: 4 bullish, 5 bearish.
- UHAL’s TA Score: 4 bullish, 5 bearish.
Price Growth
LC (@Regional Banks) experienced а -3.92% price change this week, while UHAL (@Finance/Rental/Leasing) price change was -0.59% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +0.69%. For the same industry, the average monthly price growth was +0.66%, and the average quarterly price growth was +12.20%.
The average weekly price growth across all stocks in the @Finance/Rental/Leasing industry was -0.09%. For the same industry, the average monthly price growth was -2.85%, and the average quarterly price growth was +18.92%.
Reported Earning Dates
LC is expected to report earnings on Jul 29, 2026.
UHAL is expected to report earnings on Aug 12, 2026.
Industries' Descriptions
@Regional Banks (+0.69% weekly)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.
@Finance/Rental/Leasing (-0.09% weekly)A leasing company (e.g. United Rentals, Inc. ) is typically the legal owner of the asset for the duration of the lease, while the lessee has operating control over the asset while also having some share of the economic risks and returns from the change in the valuation of the underlying asset. Per capita disposable income and corporate earnings or cash flow could be some of the critical metrics for this business – the higher the values of these metrics, the potentially greater ability of consumers/businesses to afford apartments/office spaces for rent. Other finance companies include credit/debit card payment processing companies (e.g. Visa Inc. and Mastercard), private label credit cards providers (e.g. Synchrony Financial) and automobile finance companies (e.g. Credit Acceptance Corporation).
| LC | UHAL | LC / UHAL | |
| Capitalization | 1.98B | 9.9B | 20% |
| EBITDA | N/A | 1.65B | - |
| Gain YTD | -9.451 | 14.164 | -67% |
| P/E Ratio | 11.43 | 239.79 | 5% |
| Revenue | 1.03B | 6B | 17% |
| Total Cash | 15.9M | 1.77B | 1% |
| Total Debt | 12.5M | 8.06B | 0% |
LC | UHAL | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 17 | 78 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 97 Overvalued | 96 Overvalued | |
PROFIT vs RISK RATING 1..100 | 91 | 100 | |
SMR RATING 1..100 | 34 | 90 | |
PRICE GROWTH RATING 1..100 | 44 | 47 | |
P/E GROWTH RATING 1..100 | 94 | 2 | |
SEASONALITY SCORE 1..100 | n/a | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
UHAL's Valuation (96) in the Finance Or Rental Or Leasing industry is in the same range as LC (97). This means that UHAL’s stock grew similarly to LC’s over the last 12 months.
LC's Profit vs Risk Rating (91) in the Finance Or Rental Or Leasing industry is in the same range as UHAL (100). This means that LC’s stock grew similarly to UHAL’s over the last 12 months.
LC's SMR Rating (34) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for UHAL (90). This means that LC’s stock grew somewhat faster than UHAL’s over the last 12 months.
LC's Price Growth Rating (44) in the Finance Or Rental Or Leasing industry is in the same range as UHAL (47). This means that LC’s stock grew similarly to UHAL’s over the last 12 months.
UHAL's P/E Growth Rating (2) in the Finance Or Rental Or Leasing industry is significantly better than the same rating for LC (94). This means that UHAL’s stock grew significantly faster than LC’s over the last 12 months.
| LC | UHAL | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 63% | 2 days ago 73% |
| Stochastic ODDS (%) | 2 days ago 75% | 2 days ago 64% |
| Momentum ODDS (%) | 2 days ago 75% | 2 days ago 63% |
| MACD ODDS (%) | 2 days ago 71% | 2 days ago 70% |
| TrendWeek ODDS (%) | 2 days ago 80% | 2 days ago 63% |
| TrendMonth ODDS (%) | 2 days ago 83% | 2 days ago 56% |
| Advances ODDS (%) | 6 days ago 79% | 2 days ago 57% |
| Declines ODDS (%) | 4 days ago 80% | 4 days ago 64% |
| BollingerBands ODDS (%) | 2 days ago 72% | 2 days ago 69% |
| Aroon ODDS (%) | 2 days ago 79% | 2 days ago 61% |
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| 1 Day | |||
|---|---|---|---|
| ETFs / NAME | Price $ | Chg $ | Chg % |
| NFXL | 21.10 | 0.27 | +1.30% |
| Direxion Daily NFLX Bull 2X Shares | |||
| DYLD | 22.42 | -0.03 | -0.16% |
| LeaderShares® Dynamic Yield ETF | |||
| JSI | 51.28 | -0.16 | -0.31% |
| Janus Henderson Securitized Income ETF | |||
| WDIV | 80.78 | -0.93 | -1.14% |
| State Street® SPDR® S&P® Global Div ETF | |||
| NETG | 14.30 | -2.33 | -13.99% |
| Leverage Shares 2X Long NET Daily ETF | |||
UHAL and
Correlation & Price change
A.I.dvisor indicates that over the last year, UHAL has been loosely correlated with AXP. These tickers have moved in lockstep 58% of the time. This A.I.-generated data suggests there is some statistical probability that if UHAL jumps, then AXP could also see price increases.
| Ticker / NAME | Correlation To UHAL | 1D Price Change % | ||
|---|---|---|---|---|
| UHAL | 100% | +1.97% | ||
| AXP - UHAL | 58% Loosely correlated | -0.60% | ||
| OMF - UHAL | 54% Loosely correlated | +0.14% | ||
| SYF - UHAL | 52% Loosely correlated | +0.08% | ||
| OBDC - UHAL | 51% Loosely correlated | -2.48% | ||
| LC - UHAL | 50% Loosely correlated | -2.39% | ||
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