LendingClub股票討論區

$LendingClub(LC.US)$🎯 2023.8.21 當前價格6.6，持倉浮虧27%，距離買入已經5個半月
新增數據：2023Q1和Q2
營收下滑22.6%，其中利息收入大幅增長35.9%，但是非利息收入轉爲大幅虧損，這使得淨利潤大幅下滑89.3%。
目前市盈率2.4，市盈率TTM大幅增加到7.5，市淨率0.6，考慮到非利息虧損是整個板塊的週期問題，資產負債表看起來還比較健康，目前仍然可以謹慎加倉(⭐️)

Gapping up
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$LendingClub(LC.US)$5年來營收除2020年大幅下滑63%以外大幅增長4年，2021年達到8.2億，2022年達到11.9億，淨利潤則在2021年扭虧，2022年達到2.9億。
公司收入主要來自佣金收入，利息收入大約是佣金收入的7成，近兩年信貸損失準備金逐年遞增，銷售管理費用增長也很快，好在營收增速足以抵消這些費用增長。
資產負債率5年來從77.2%提高到了85.4%，資產主要是現金和貸款，商譽很少可以忽略，負債主要是客戶存款，借款很少。這麼看商業邏輯是高息吸儲，高利放貸，以利息和佣金形式賺取收益。
淨資產11.6億，客戶存款64億，貸款淨額58億，看起來還算安全。
目前市盈率3.2，市淨率0.82，考慮到目前加息的環境，可以謹慎選擇(⭐️)

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LendingClub $LendingClub(LC.US)$ is a diversified, web-based lending company that allows customers to take out auto loans and beyond. The company has expanded its reach through a key 2021 acquisition and it’s poised to grow within the larger fintech world. LendingClub stock is also trading at a massive discount to its November highs and its current Zacks price target.
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