LendingClub vs Busey

This page compares LendingClub and Busey, outlining each company's business model, financial performance, and market context. It presents a neutral, accessible overview of how their organisations operate, how they generate revenue, and how external factors influence their position. The aim is to inform understanding rather than to advise, with no recommendations supplied. Educational content, not financial advice.

This page compares LendingClub and Busey, outlining each company's business model, financial performance, and market context. It presents a neutral, accessible overview of how their organisations oper...

Comparison Snapshot

Key Financial Metrics

LC

Metric

BUSE

$2.30B

Market Cap

$2.16B

9.21%

Potential Profit

4.24%

Buy

Analyst Rating

Buy

Investment Analysis

LendingClub

LC

Pros

LendingClub delivered record third quarter 2025 pre-tax income of $57 million with strong returns on equity (12.4%) and tangible common equity (13.2%).
The company achieved robust growth with 37% increase in loan originations and 32% revenue growth year-over-year.
LendingClub has strong analyst support, holding a consensus 'Strong Buy' rating with an average price target around $19.67 to $22.

Considerations

LendingClub's stock beta is high at 2.49, indicating above-average volatility and market sensitivity.
The company's earnings per share have experienced significant volatility, including a recent three-year aggregate 69% drop in EPS despite strong recent growth.
LendingClub operates in a competitive and regulated financial services market that could impose risks on future growth and profitability.

Busey

BUSE

Pros

First Busey Corp has a solid regional banking presence focused on diversified financial services.
The company demonstrates steady asset quality and conservative underwriting practices typical of community and regional banks.
First Busey maintains resilient profitability and balance sheet stability benefiting from established customer relationships.

Considerations

First Busey faces competitive pressures from larger national banks and fintech entrants, limiting growth potential.
The bank's financial performance is vulnerable to interest rate fluctuations and economic cycles affecting lending activity.
Limited available recent public financial data and analyst coverage increases uncertainty around the stock's short-term prospects.

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.

Busey (BUSE)

First Busey Corporation is a US-based financial holding company that operates across three principal segments. The Banking segment, its largest, provides a comprehensive range of services to individuals and businesses through its subsidiary, Busey Bank. The Wealth Management division offers asset management, investment, and advisory services to a diverse client base, including individuals, businesses, and foundations. This includes financial planning, trust services, and business succession planning. Finally, its FirsTech segment focuses on the technology side of finance, delivering payment technology solutions and tools to help clients manage billing and reconciliation. This diversified model allows the company to serve a wide spectrum of financial needs. As with any investment, the value of shares can go down as well as up, and returns are not guaranteed. This information is for educational purposes and is not financial advice.

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Comparison Snapshot