Lendingclub (NASDAQ:HAPN) and LendingClub (NYSE:LC) Head-To-Head Survey

LendingClub (NYSE:LC) and Lendingclub (NASDAQ:HAPN) are both finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their valuation, analyst recommendations, earnings, institutional ownership, profitability, risk and dividends.

Institutional & Insider Ownership

74.1% of LendingClub shares are owned by institutional investors. Comparatively, 74.1% of Lendingclub shares are owned by institutional investors. 3.2% of LendingClub shares are owned by company insiders. Comparatively, 3.3% of Lendingclub shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Analyst Ratings

This is a breakdown of recent ratings and price targets for LendingClub and Lendingclub, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
LendingClub	0	2	6	1	2.89
Lendingclub	0	1	2	0	2.67

LendingClub presently has a consensus target price of $23.07, indicating a potential upside of 20.10%. Lendingclub has a consensus target price of $25.00, indicating a potential upside of 49.16%. Given Lendingclub’s higher possible upside, analysts plainly believe Lendingclub is more favorable than LendingClub.

Profitability

This table compares LendingClub and Lendingclub’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
LendingClub	16.99%	11.92%	1.55%
Lendingclub	18.67%	12.92%	1.66%

Risk & Volatility

LendingClub has a beta of 1.98, indicating that its stock price is 98% more volatile than the S&P 500. Comparatively, Lendingclub has a beta of 1.86, indicating that its stock price is 86% more volatile than the S&P 500.

Valuation & Earnings

This table compares LendingClub and Lendingclub”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
LendingClub	$1.03 billion	2.14	$135.68 million	$1.49	12.89
Lendingclub	$998.85 million	1.94	$135.68 million	$1.66	10.10

Lendingclub is trading at a lower price-to-earnings ratio than LendingClub, indicating that it is currently the more affordable of the two stocks.

Summary

LendingClub beats Lendingclub on 8 of the 14 factors compared between the two stocks.

About LendingClub

LendingClub Corporation, operates as a bank holding company, that provides range of financial products and services in the United States. It offers deposit products, including savings accounts, checking accounts, and certificates of deposit. The company also provides loan products, such as consumer loans comprising unsecured personal loans, secured auto refinance loans, and patient and education finance loans; and commercial loans, including small business loans. In addition, it operates an online lending marketplace platform. The company was incorporated in 2006 and is headquartered in San Francisco, California.

About Lendingclub

LendingClub Corporation, operates as a bank holding company for LendingClub Bank, National Association that provides range of financial products and services through a technology-driven platform in the United States. The company provides commercial and industrial, commercial real estate, small business, and equipment loans, as well as leases equipment; and unsecured personal and auto, patient finance, and education finance loans. It also operates an online lending marketplace platform that connects borrowers and investors. LendingClub Corporation was incorporated in 2006 and is headquartered in San Francisco, California.