LendingClub Cash Flow - Annual (NYSE:LC)

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$5.83 $0.02 (0.34%) LC stock closing price Aug 15, 2017 (Closing)

The financial analysis of LC requires an investor to check the cash flows for LendingClub. While its important to look at the LendingClub debt position, the cash flow statement becomes equally important because public companies use accrual accounting. For example, if a company sells a product which gets counted as LendingClub revenue but does not convert to cash because it does not receive payment in the same quarter, it affects the cash position for that period. LendingClub purchased $17.77M worth of LC shares. The cash flow statement helps in the LendingClub stock analysis by providing more information for evaluating changes in assets, liabilities and equities. The cash from operating activities for LendingClub is $0.54M for 2016, which saw a decrease of -99.28% from previous year. View details of LendingClub cash flows for latest & last ten financial years.

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Fiscal year is Jan - Dec.20162015201420132012201120102009
LendingClub Net Income Cash Flow
Depreciation Depletion Amortization Cash-Flow66.93M21.57M10.25M1.66M-0.07M0.05M0.05M
Net Increase (Decrease) in Assets Liabilities4.51M8.41M34.53M-14.38M--0.33M0.4M-0.12M
Cash From (used in) Discontinued Operations--------
Other Adjustments Net75.06M49.74M38.02M6.55M-0.65M0.98M1.56M
LendingClub Net Cash from (used by) Operating Activities
Increase (Decrease) in Prop Plant And Equipment-51.84M-39.38M-20.57M-10.43M--0.28M-0.05M-0.04M
Acquisition Disposition of Subsidiaires---109.46M-----
Increase (Decrease) in Investments1.17M-298.75M------
Other Cash Inflow (Outflow) from Investment Activities-372.28M-2.07B-1.13B-1.11B--146.22M-70.78M-34.77M
LendingClub Net Cash from (used by) Invesment Activities
Issuance (Purchase) of Equity Shares-1.01M16.76M896.62M2.08M-26M24.39M0.01M
Issuance (Repayment) of Debt Securities299.73M2.06B1.11B1.11B-140.8M68.03M33.83M
Increase (Decrease) in Bank & Other Borrowings--------
Payment of Dividends & Other Cash Distributions--------
Other Cash from (used by) Financing Activities15.76M7.81M25.16M0.19M----
LendingClub Net Cash from (used by) Financing Activities
Effect of Exchange Rate Changes on Cash--------
LendingClub Net Change in Cash & Cash Equivalents
Cash & Equivalents at Beginning of Year623.53M869.78M49.29M52.55M-13.33M2.57M11.99M
Cash & Equivalents at Year End515.6M623.53M869.78M49.29M-24.71M17.26M4.73M
All figures in USD. M: Millions of USD, B: Billions of USD.
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While LendingClub stock price history provides the price history of a stock, LendingClub stock comparison chart shows the same in comparison to peers, and cash flow statements provide cash position of the company. Common terms used in the statement of cash flows are:
  • LendingClub saw an increase in Net Change in Cash and Cash Equivalents from $-246.24M in 2015 to $-107.92M in 2016. Apart from the LendingClub stock price, this is one of the things an investor looks for, as it shows the net change in cash on hand for a company, compared to previous period.
  • Cash Flow from operating activities: LendingClub reported a positive operating cash flow of $0.54M for 2016 and has seen a decrease from the previous year. Operating cash flow or working capital comes from main business activities. Investors look for positive cash flow from recurring operating activities.
  • Growth companies (typically most tech companies) spend heavily  on investing activities and this figure was negative at $-422.95M for LC stock. Sometimes a company might have a negative overall cash flow which may not be really bad if it is due to investment expenses. Hence it is important to check the cash flow from investment activities.
  • Cash Flow from financing activities: Financing activities include the cash that comes into a company in the form of loans or interest earned or shareholders money, as well as the cash that goes out. LendingClub spent $1.77B from financing activities,in the form of repayment of loans or interest paid, dividend pay-out to shareholders etc.

Key Financial Ratios For LendingClub Cash Flow

FCF margin