LendingClub vs Kayne Anderson Energy Infrastructure Fund

This page compares LendingClub and Kayne Anderson Energy Infrastructure Fund, examining their business models, financial performance, and market context in a neutral and accessible way. The aim is to present clear, tangible considerations for readers without advocacy or recommendations. Educational content, not financial advice.

This page compares LendingClub and Kayne Anderson Energy Infrastructure Fund, examining their business models, financial performance, and market context in a neutral and accessible way. The aim is to ...

Comparison Snapshot

Key Financial Metrics

LC

Metric

KYN

$2.30B

Market Cap

$2.08B

9.21%

Potential Profit

N/A

Buy

Analyst Rating

N/A

Investment Analysis

LendingClub

LC

Pros

LendingClub reported record pre-tax income of $57 million in Q3 2025 with a strong return on tangible common equity (ROTCE) of 13.2%.
The company achieved 37% growth in loan originations and 32% revenue growth recently, demonstrating robust top-line momentum.
LendingClub has initiated a $100 million stock repurchase and acquisition program, indicating management's confidence in growth and shareholder value enhancement.

Considerations

The stock has a high beta of 2.49, suggesting elevated volatility relative to the market which may increase investment risk.
LendingClub does not pay a dividend, which might be a drawback for income-focused investors.
Despite recent growth, LendingClub operates in a highly competitive financial services sector with exposure to credit risk and economic cycle fluctuations.

Kayne Anderson Energy Infrastructure Fund

KYN

Pros

Kayne Anderson Energy Infrastructure Fund offers a high dividend yield of approximately 7.66%, appealing for income-oriented investors.
The fund invests primarily in energy infrastructure companies with stable cash flows supported by long-term contracts and strong competitive moats.
It benefits from exposure to essential North American energy and power infrastructure poised to capitalize on growing global and domestic energy demands.

Considerations

The fund is subject to commodity price volatility and regulatory risks inherent in the energy infrastructure sector.
KYN has a relatively high expense ratio over 5%, which could erode net returns to shareholders.
As a closed-end fund, it can trade at discounts or premiums to net asset value, adding valuation risk for investors.

About The Companies

LendingClub (LC)

LendingClub Corporation (LC) operates an online lending marketplace that connects borrowers with investors and manages loan servicing. The company earns fees from loan origination, servicing and selling loans, plus interest income on retained loan portfolios. Investors should note LendingClub’s performance is sensitive to the credit cycle, underwriting outcomes and interest-rate environments; profitability can fluctuate as loan volumes, default rates and funding costs change. Competition comes from banks, fintech lenders and marketplace platforms, and regulatory or compliance changes can affect operations. With a market capitalisation around $1.9 billion, the stock may appeal to those watching fintech disruption in consumer credit, but it carries higher credit and macroeconomic exposure than many diversified financial firms. This summary is educational only; it is not personal investment advice. Values can rise or fall and past performance does not guarantee future returns. Consider your risk tolerance and do your own research or consult a qualified adviser before investing.

Kayne Anderson Energy Infrastructure Fund (KYN)

Kayne Anderson MLP/Midstream Investment Company, known by its ticker KYN, is a closed-end investment fund that offers a way to invest in the North American energy infrastructure market. Its main goal is to achieve a high total return for its investors, with a particular emphasis on providing cash distributions. The fund invests at least 80% of its assets in energy infrastructure companies. This includes 'midstream' companies, which are involved in the transportation, storage, and processing of oil and gas, as well as renewable infrastructure companies and utilities. As a closed-end fund, it issues a fixed number of shares that trade on an exchange. For investors, this type of fund can offer exposure to a specific sector, but it's important to remember that the value of the investment can fall as well as rise, and returns are not guaranteed. The fund's performance is closely tied to the broader energy market.

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Comparison Snapshot