LendingClub (LC) Competitors

LendingClub (NYSE:LC) and Upstart (NASDAQ:UPST) are both finance companies, but which is the better investment? We will contrast the two companies based on the strength of their valuation, media sentiment, analyst recommendations, institutional ownership, risk, dividends, earnings, profitability and community ranking.

Does the MarketBeat Community favor LC or UPST?

LendingClub received 527 more outperform votes than Upstart when rated by MarketBeat users. Likewise, 61.15% of users gave LendingClub an outperform vote while only 32.20% of users gave Upstart an outperform vote.

Company	Underperform	Outperform
LendingClub	Outperform Votes 584 61.15%	Underperform Votes 371 38.85%
Upstart	Outperform Votes 57 32.20%	Underperform Votes 120 67.80%

Does the media favor LC or UPST?

In the previous week, LendingClub had 1 more articles in the media than Upstart. MarketBeat recorded 7 mentions for LendingClub and 6 mentions for Upstart. LendingClub's average media sentiment score of 1.01 beat Upstart's score of 0.19 indicating that LendingClub is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
LendingClub	4 Very Positive mention(s)	0 Positive mention(s)	3 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Upstart	1 Very Positive mention(s)	1 Positive mention(s)	3 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Which has more risk & volatility, LC or UPST?

LendingClub has a beta of 2.07, meaning that its stock price is 107% more volatile than the S&P 500. Comparatively, Upstart has a beta of 2.25, meaning that its stock price is 125% more volatile than the S&P 500.

Which has preferable earnings & valuation, LC or UPST?

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

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
LendingClub	$787.01M	1.65	$51.33M	$0.45	25.42
Upstart	$628.83M	8.20	-$128.58M	-$1.46	-37.67

Is LC or UPST more profitable?

LendingClub has a net margin of 6.52% compared to Upstart's net margin of -20.20%. LendingClub's return on equity of 4.16% beat Upstart's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
LendingClub	6.52%	4.16%	0.54%
Upstart	-20.20%	-25.87%	-7.95%

Do analysts rate LC or UPST?

LendingClub currently has a consensus target price of $16.00, suggesting a potential upside of 39.86%. Upstart has a consensus target price of $73.38, suggesting a potential upside of 33.43%. Given LendingClub's stronger consensus rating and higher probable upside, analysts clearly believe LendingClub is more favorable than Upstart.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
LendingClub	0 Sell rating(s)	1 Hold rating(s)	7 Buy rating(s)	0 Strong Buy rating(s)	2.88
Upstart	2 Sell rating(s)	7 Hold rating(s)	5 Buy rating(s)	0 Strong Buy rating(s)	2.21

Do insiders and institutionals hold more shares of LC or UPST?

74.1% of LendingClub shares are owned by institutional investors. Comparatively, 63.0% of Upstart shares are owned by institutional investors. 3.3% of LendingClub shares are owned by company insiders. Comparatively, 18.1% of Upstart shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Summary

LendingClub beats Upstart on 15 of the 18 factors compared between the two stocks.