LendingClub Corporation — Earnings Quality Grade F
LC · Financial Services
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 16 days, change -3 days YoY
AR growth 8.7% vs revenue growth 26.9%
Revenue grew 26.9% but CFFO declined -3.5%
Expense Quality
No material inventory
CapEx growth 158.4% is >2x revenue growth 26.9%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO < Net Income for 3 consecutive years
FCF < 50% of Net Income for 3 years
Accruals ratio = 24.7%. Exceeds 10%
Cash $0.9B covers debt $0.0B
Balance Sheet Health
Goodwill+Intangibles $0.1B = 6% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions negative for 3 years
Goodwill+Intangibles change -1% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
Monitor LC continuously
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Altman Z-Score — Not Applicable
LendingClub Corporation is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25