LendingClub Corp (LC)vsMizuho Financial Group Inc. (MFG)
LC
LendingClub Corp
$19.21
0.00%
FINANCIAL SERVICES · Cap: $2.22B
MFG
Mizuho Financial Group Inc.
$10.34
+5.50%
FINANCIAL SERVICES · Cap: $120.24B
Smart Verdict
WallStSmart Research — data-driven comparison
Mizuho Financial Group Inc. generates 320550% more annual revenue ($4.40T vs $1.37B). MFG leads profitability with a 28.4% profit margin vs 12.8%. LC trades at a lower P/E of 12.8x. MFG earns a higher WallStSmart Score of 80/100 (B+).
LC
Strong Buy68
out of 100
Grade: B-
MFG
Strong Buy80
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Earnings expanding 340.0% YoY
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Strong operational efficiency at 20.0%
Revenue surging 44.9% year-over-year
Earnings expanding 680.0% YoY
Generating 487.7B in free cash flow
Large-cap with strong market position
Keeps 28 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
Negative free cash flow — burning cash
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : LC
The strongest argument for LC centers on Price/Book, EPS Growth, Debt/Equity. Revenue growth of 12.5% demonstrates continued momentum.
Bull Case : MFG
The strongest argument for MFG centers on Revenue Growth, EPS Growth, Free Cash Flow. Profitability is solid with margins at 28.4% and operating margin at 25.9%. Revenue growth of 44.9% demonstrates continued momentum.
Bear Case : LC
The primary concerns for LC are Free Cash Flow, Altman Z-Score.
Bear Case : MFG
The primary concerns for MFG are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 5.88 is elevated, increasing financial risk.
Key Dynamics to Monitor
LC profiles as a value stock while MFG is a growth play — different risk/reward profiles.
LC carries more volatility with a beta of 1.97 — expect wider price swings.
MFG is growing revenue faster at 44.9% — sustainability is the question.
MFG generates stronger free cash flow (487.7B), providing more financial flexibility.
Bottom Line
MFG scores higher overall (80/100 vs 68/100), backed by strong 28.4% margins and 44.9% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
LendingClub Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
LendingClub Corporation, is a banking holding company for LendingClub Bank, a National Association that offers a range of financial products and services through a technology-driven platform in the United States. The company is headquartered in San Francisco, California.
Mizuho Financial Group Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Mizuho Financial Group, Inc. engages in banking, trusts, securities and other businesses related to financial services in Japan, America, Europe, Asia / Oceania and internationally. The company is headquartered in Tokyo, Japan.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?