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• Investors may be wondering whether LendingClub’s current share price really reflects its underlying value, or if the market is overlooking something important.

• The stock last closed at US$13.32, with returns of 20.0% over 1 year and 97.0% over 3 years. This comes even though the share price is down 8.7% over 7 days, 14.6% over 30 days, and 30.3% year to date.

• These mixed returns have put more attention on what is actually driving sentiment around LendingClub and whether current expectations are too high or too low. Recent coverage has focused on how changing views on consumer credit and digital lending are feeding…