Buy now as a contrarian/mean-reversion setup: price is deeply oversold (RSI-6 ~19.8) near key support while fundamentals and Street sentiment remain constructive.
Near-term risk/reward is favorable for an impatient buyer: price is trading around S1 (16.42) and close to S2 (15.02), where bounces commonly occur after sharp post-earnings selloffs.
Sentiment cross-checks lean bullish: hedge funds are aggressively buying (+7210% QoQ) and options positioning is call-heavy (put/call well below 1).
Intellectia Proprietary Trading Signals: No signal on given stock today (no AI Stock Picker; no SwingMax), so the buy is driven by oversold technicals + supportive fundamentals rather than a proprietary trigger.
Politicians/Congress: no recent congress trading data available; insiders are neutral (no meaningful recent insider trend).
Technical Analysis
Trend/momentum: bearish in the short term; MACD histogram is negative (-0.585) and still expanding lower, signaling downside momentum hasn’t fully reset yet.
Oversold condition: RSI_6 at ~19.84 indicates extreme oversold—often consistent with a rebound attempt, especially after an event-driven gap down.
Moving averages: converging MAs suggest the prior trend is losing clarity; next direction likely decided by reaction around support.
Key levels: Pivot 18.69 (reclaiming this would meaningfully improve the chart). Support S1 16.423 (near current area) and S2 15.023 (major nearby downside reference). Resistances R1 20.958 then R2 22.358.
Pattern-based forward view (provided): ~60% chance of ~+5.49% over the next week but ~-5.61% over the next month—supports a tactical buy for a rebound rather than a long “set and forget” hold.
Options Data
Bullish
Open Interest Put-Call Ratio
Bullish
Option Volume Put-Call Ratio
Positioning/sentiment: put/call ratios (OI 0.42; volume 0.43) indicate call interest dominates, typically a bullish tilt.
Liquidity/activity: today’s option volume 971 is ~43% of the 30-day average (option activity not elevated vs normal).
Volatility: 30D IV ~52.64 vs HV ~65.79 (IV below realized), suggesting options are not pricing a volatility premium versus what the stock has recently delivered.
IV regime: IV percentile ~54.98 (mid-range); IV rank ~9.57 (low relative to its own range), implying current IV is low vs its past-year extremes.
Technical Summary
Sell
6
Buy
6
Positive Catalysts
Q4 2025 strength: loan originations +40% YoY to $2.6B, reinforcing growth momentum and scale benefits.
Profitability inflection: Q4 EPS $0.35 (+337.5% YoY) and net income +327.5% YoY, supporting the bull case that earnings power is improving.
Buy-side signal: hedge funds are reported as heavy buyers (+7210% QoQ), often supportive after a dislocation.
Wall Street stance: multiple recent Outperform/Overweight ratings and higher price targets suggest pros expect upside as origination growth and funding channels scale.
Neutral/Negative Catalysts
still triggered an after-hours drop, indicating sentiment is fragile and the market is demanding cleaner visibility.
Growth read-through: strong YoY improvements in earnings and margins suggest operating leverage and better credit/funding mix are flowing into results.
Growth
Profitability
Efficiency
Analyst Ratings and Price Target Trends
Recent trend: increasingly bullish—Citizens JMP upgraded to Outperform with a $23 target (after investor day), Keefe Bruyette reiterated Outperform and raised target to $22, and JPMorgan kept Overweight while raising target to $25.
Wall Street pros (bull case): confidence in “significant” origination growth outlook, improved scale, robust funding channel buildout (marketplace + deposits), and stable credit performance.
Wall Street cons (bear case): near-term earnings visibility and accounting-policy headline risk are pressuring the multiple despite solid operating results.
Wall Street analysts forecast LC stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for LC is 23 USD with a low forecast of 20 USD and a high forecast of 26 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
9 Analyst Rating
Wall Street analysts forecast LC stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for LC is 23 USD with a low forecast of 20 USD and a high forecast of 26 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
8 Buy
1 Hold
0 Sell
Strong Buy
Current: 15.690
Low
20
Averages
23
High
26
Current: 15.690
Low
20
Averages
23
High
26
JPMorgan
Overweight
maintain
$22 -> $25
AI Analysis
2025-12-04
Reason
JPMorgan
Price Target
$22 -> $25
AI Analysis
2025-12-04
maintain
Overweight
Reason
JPMorgan raised the firm's price target on LendingClub to $25 from $22 and keeps an Overweight rating on the shares as part of a 2026 outlook on the financial technology group. The firm sees a "soft-landing grind" in 2026 with slowing real growth for the sector, driven by a weakening labor market and the lagged tariff effects, partially offset by tax cuts.
Citizens JMP
Market Perform -> Outperform
upgrade
$23
2025-11-10
Reason
Citizens JMP
Price Target
$23
2025-11-10
upgrade
Market Perform -> Outperform
Reason
Citizens JMP upgraded LendingClub to Outperform from Market Perform with a $23 price target following last week's investor day. Management's commentary provided more confidence in the company's "significant" origination growth outlook and the corresponding better scale in the business in the coming years, the analyst tells investors in a research note. The firm says LendingClub highlighted its "robust" buildout of funding channels with both marketplace investors and customer deposits. It cites LendingClub's "stable" credit performance, favorable funding channels, and entry into a new asset class for the upgrade.
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