SoFi Technologies, a popular digital bank, has seen its stock perform well, with gains of over 37% in the past year. However, the stock trades at a high valuation of close to 34 times forward earnings and nearly 10 times forward sales. On the other hand, LendingClub, another personal lender, has shown strong growth, with earnings increasing by 154% in 2025 and expected to grow further. LendingClub trades at a much cheaper valuation than SoFi, making it an attractive alternative for investors looking to invest in the fintech sector.

LendingClub’s management aims to boost returns by ramping up loan originations, with a goal of $18 billion to $22 billion in originations and achieving returns on tangible common equity in the 18% to 20% range. The company’s stock trades at less than 10 times forward earnings and 1.8 times forward revenue, with analysts expecting significant EPS growth by 2027. Despite potential risks in the personal lending sector, LendingClub presents a strong upside potential for investors.

Read more at Nasdaq.: SoFi Isn’t the Only Digital Banking Stock Available in the Market. This Fintech Stock Trades at a Fraction of the Valuation and Is Growing Earnings Fast.