Discounted Cash Flow
Lendingclub Corp.
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2016 | $500.8m | $-146.0m | $-51.3m | -29.1% | $-0.38 |
| 2017 | $574.5m (14.7%) | $-153.8m (-5.4%) | $-635.4m (-1138.7%) | -26.8% (8.1%) | $-0.38 (0.0%) |
| 2018 | $530.6m (-7.7%) | $-128.3m (16.6%) | $-691.9m (-8.9%) | -24.2% (9.7%) | $-0.30 (21.1%) |
| 2019 | $604.2m (13.9%) | $-30.7m (76.0%) | $-30.7m (95.6%) | -5.1% (79.0%) | $-0.35 (-16.7%) |
| 2020 | $314.7m (-47.9%) | $-187.5m (-510.0%) | $386.9m (1358.4%) | -59.6% (-1071.2%) | $-1.24 (-254.3%) |
| 2021 | $212.8m (-32.4%) | $18.6m (109.9%) | $18.6m (-95.2%) | 8.7% (114.6%) | $0.38 (130.6%) |
| 2022 | $474.8m (123.1%) | $289.7m (1459.1%) | $306.1m (1547.4%) | 61.0% (598.8%) | $2.80 (636.8%) |
| 2023 | $561.8m (18.3%) | $38.9m (-86.6%) | $38.9m (-87.3%) | 6.9% (-88.6%) | $0.36 (-87.1%) |
| 2024 | — | $51.3m (31.8%) | $-2.7b (-7004.3%) | — | $0.46 (27.8%) |
| 2025 | — | $135.7m (164.3%) | $-2.9b (-6.7%) | — | $1.18 (156.5%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
Values abbreviated: b = billions, m = millions, k = thousands.
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.