NIU vs. LC
Compare and contrast key facts about Niu Technologies (NIU) and LendingClub Corporation (LC).
Performance
NIU vs. LC - Performance Comparison
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NIU vs. LC - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | |
|---|---|---|---|---|---|---|---|---|---|
NIU Niu Technologies | -4.29% | 69.27% | -18.26% | -58.13% | -67.54% | -42.57% | 228.84% | 21.86% | -19.08% |
LC LendingClub Corporation | -24.50% | 16.99% | 85.24% | -0.68% | -63.61% | 128.98% | -16.32% | -4.03% | -27.55% |
Fundamentals
NIU:
$232.05M
LC:
$1.70B
NIU:
-$0.47
LC:
$1.15
NIU:
0.06
LC:
1.55
NIU:
0.26
LC:
1.13
NIU:
$4.30B
LC:
$1.08B
NIU:
$842.15M
LC:
$623.28M
NIU:
-$63.43M
LC:
$393.36M
Returns By Period
In the year-to-date period, NIU achieves a -4.29% return, which is significantly higher than LC's -24.50% return.
NIU
- 1D
- 0.35%
- 1M
- -22.67%
- YTD
- -4.29%
- 6M
- -39.71%
- 1Y
- -30.62%
- 3Y*
- -11.19%
- 5Y*
- -40.00%
- 10Y*
- —
LC
- 1D
- -0.14%
- 1M
- -4.98%
- YTD
- -24.50%
- 6M
- -4.22%
- 1Y
- 36.06%
- 3Y*
- 25.64%
- 5Y*
- -2.70%
- 10Y*
- -9.82%
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Return for Risk
NIU vs. LC — Risk / Return Rank
NIU
LC
NIU vs. LC - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Niu Technologies (NIU) and LendingClub Corporation (LC). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
| NIU | LC | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | -0.40 | 0.60 | -1.01 |
Sortino ratioReturn per unit of downside risk | -0.16 | 1.20 | -1.36 |
Omega ratioGain probability vs. loss probability | 0.98 | 1.16 | -0.18 |
Calmar ratioReturn relative to maximum drawdown | -0.57 | 1.01 | -1.58 |
Martin ratioReturn relative to average drawdown | -1.01 | 2.73 | -3.75 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| NIU | LC | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | -0.40 | 0.60 | -1.01 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | -0.53 | -0.04 | -0.49 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | — | -0.15 | — |
Sharpe Ratio (All Time)Calculated using the full available price history | -0.18 | -0.27 | +0.09 |
Correlation
The correlation between NIU and LC is 0.30, which is considered to be low. This implies their price changes are not closely related. A low correlation is generally favorable for portfolio diversification, as it helps to reduce overall risk by spreading it across multiple assets with different performance patterns.
Dividends
NIU vs. LC - Dividend Comparison
Neither NIU nor LC has paid dividends to shareholders.
Drawdowns
NIU vs. LC - Drawdown Comparison
The maximum NIU drawdown since its inception was -96.70%, roughly equal to the maximum LC drawdown of -96.84%. Use the drawdown chart below to compare losses from any high point for NIU and LC.
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Drawdown Indicators
| NIU | LC | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -96.70% | -96.84% | +0.14% |
Max Drawdown (1Y)Largest decline over 1 year | -50.72% | -38.28% | -12.44% |
Max Drawdown (5Y)Largest decline over 5 years | -95.74% | -89.48% | -6.26% |
Max Drawdown (10Y)Largest decline over 10 years | — | -89.48% | — |
Current DrawdownCurrent decline from peak | -94.13% | -89.75% | -4.38% |
Average DrawdownAverage peak-to-trough decline | -64.94% | -83.52% | +18.58% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 28.50% | 14.11% | +14.39% |
Volatility
NIU vs. LC - Volatility Comparison
Niu Technologies (NIU) has a higher volatility of 25.00% compared to LendingClub Corporation (LC) at 13.26%. This indicates that NIU's price experiences larger fluctuations and is considered to be riskier than LC based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| NIU | LC | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 25.00% | 13.26% | +11.74% |
Volatility (6M)Calculated over the trailing 6-month period | 50.14% | 43.49% | +6.65% |
Volatility (1Y)Calculated over the trailing 1-year period | 76.21% | 60.17% | +16.04% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 75.46% | 65.48% | +9.98% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 75.35% | 64.86% | +10.49% |
Financials
NIU vs. LC - Financials Comparison
This section allows you to compare key financial metrics between Niu Technologies and LendingClub Corporation. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
NIU vs. LC - Profitability Comparison
NIU - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Niu Technologies reported a gross profit of 101.78M and revenue of 666.91M. Therefore, the gross margin over that period was 15.3%.
LC - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, LendingClub Corporation reported a gross profit of 26.00M and revenue of 103.44M. Therefore, the gross margin over that period was 25.1%.
NIU - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Niu Technologies reported an operating income of -101.49M and revenue of 666.91M, resulting in an operating margin of -15.2%.
LC - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, LendingClub Corporation reported an operating income of -19.68M and revenue of 103.44M, resulting in an operating margin of -19.0%.
NIU - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Niu Technologies reported a net income of -86.89M and revenue of 666.91M, resulting in a net margin of -13.0%.
LC - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, LendingClub Corporation reported a net income of 41.55M and revenue of 103.44M, resulting in a net margin of 40.2%.