NIU vs. LC
NIU (Niu Technologies) and LC (LendingClub Corporation) are both stocks. NIU operates in Auto Manufacturers (Consumer Cyclical), while LC operates in Credit Services (Financial Services). Over the past 5 years, NIU returned -42.31%/yr vs -0.26%/yr for LC. At a 0.30 correlation, their price movements are largely independent.
Performance
NIU vs. LC - Performance Comparison
Loading charts...
Returns By Period
In the year-to-date period, NIU achieves a -34.98% return, which is significantly lower than LC's 1.43% return.
NIU
- 1D
- -3.90%
- 1M
- -17.92%
- YTD
- -34.98%
- 6M
- -39.76%
- 1Y
- -45.28%
- 3Y*
- -20.29%
- 5Y*
- -42.31%
- 10Y*
- —
LC
- 1D
- 0.00%
- 1M
- 22.90%
- YTD
- 1.43%
- 6M
- -2.29%
- 1Y
- 71.82%
- 3Y*
- 27.04%
- 5Y*
- -0.26%
- 10Y*
- -1.97%
NIU vs. LC - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | |
|---|---|---|---|---|---|---|---|---|---|
NIU Niu Technologies | -34.98% | 69.27% | -18.26% | -58.13% | -67.54% | -42.57% | 228.84% | 21.86% | -17.65% |
LC LendingClub Corporation | 1.43% | 16.99% | 85.24% | -0.68% | -63.61% | 128.98% | -16.32% | -4.03% | -26.54% |
Correlation
The correlation between NIU and LC is 0.27, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.27 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.27 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.35 |
Correlation (All Time) Calculated using the full available price history since Oct 19, 2018 | 0.30 |
Fundamentals
NIU:
$159.27M
LC:
$2.25B
NIU:
-CN¥1.14
LC:
$1.49
NIU:
0.24
LC:
1.74
NIU:
1.32
LC:
1.48
NIU:
CN¥4.52B
LC:
$1.30B
NIU:
CN¥881.65M
LC:
$872.66M
NIU:
-CN¥128.12M
LC:
$309.10M
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Return for Risk
NIU vs. LC — Risk / Return Rank
NIU
LC
Risk / return metrics aren't available yet — we need at least 12 months of trading data to calculate them.
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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| NIU | LC | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -2.04 | ||
| Sortino ratioReturn per unit of downside risk | -2.80 | ||
| Omega ratioGain probability vs. loss probability | 0.90 | 1.26 | -0.35 |
| Calmar ratioReturn relative to maximum drawdown | -0.70 | 1.96 | -2.66 |
| Martin ratioReturn relative to average drawdown | -1.26 | 4.35 | -5.61 |
Loading charts...
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.
Loading charts...
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 | -64.57% | -38.28% | -26.29% |
Max Drawdown (3Y)Largest decline over 3 years | -64.57% | -53.53% | -11.04% |
Max Drawdown (5Y)Largest decline over 5 years | -95.19% | -89.48% | -5.71% |
Max Drawdown (10Y)Largest decline over 10 years | — | -89.48% | — |
Current DrawdownCurrent decline from peak | -96.01% | -86.23% | -9.78% |
Average DrawdownAverage peak-to-trough decline | -65.77% | -83.58% | +17.81% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 36.00% | 17.16% | +18.84% |
Volatility
NIU vs. LC - Volatility Comparison
Niu Technologies (NIU) and LendingClub Corporation (LC) have volatilities of 15.23% and 15.60%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
Loading charts...
Volatility by Period
| NIU | LC | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 15.23% | 15.60% | -0.37% |
Volatility (6M)Calculated over the trailing 6-month period | 44.31% | 41.56% | +2.75% |
Volatility (1Y)Calculated over the trailing 1-year period | 66.03% | 55.55% | +10.48% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 75.52% | 65.16% | +10.36% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 74.84% | 63.12% | +11.72% |
Dividends
NIU vs. LC - Dividend Comparison
Neither NIU nor LC has paid dividends to shareholders.
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 Jun 2026, Niu Technologies reported a gross profit of 157.59M and revenue of 904.02M. Therefore, the gross margin over that period was 17.4%.
LC - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, LendingClub Corporation reported a gross profit of 177.54M and revenue of 261.21M. Therefore, the gross margin over that period was 68.0%.
NIU - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Niu Technologies reported an operating income of -104.37M and revenue of 904.02M, resulting in an operating margin of -11.6%.
LC - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, LendingClub Corporation reported an operating income of 122.12M and revenue of 261.21M, resulting in an operating margin of 46.8%.
NIU - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Niu Technologies reported a net income of -93.35M and revenue of 904.02M, resulting in a net margin of -10.3%.
LC - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, LendingClub Corporation reported a net income of 51.60M and revenue of 261.21M, resulting in a net margin of 19.8%.
Frequently Asked Questions
NIU and LC have a correlation of 0.27, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
LC has higher volatility (15.60%) compared to NIU (15.23%). In terms of maximum drawdown, NIU dropped -96.70% vs LC's -96.84%.
LC currently has the higher Sharpe Ratio (1.35 vs -0.69), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
Find the right allocation for NIU and LC
Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Optimizer