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Sancus Lending Group Limited (GB:LEND)
LSE:LEND
UK Market

Sancus Lending Group (LEND) Ratios

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Sancus Lending Group Ratios

GB:LEND's free cash flow for Q4 2025 was £0.95. For the 2025 fiscal year, GB:LEND's free cash flow was decreased by £ and operating cash flow was £0.61. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
20.23 20.23 38.35 37.60 18.74
Quick Ratio
20.23 20.23 38.35 37.60 18.53
Cash Ratio
0.45 0.45 0.97 2.30 1.23
Solvency Ratio
<0.01 <0.01 <0.01 -0.08 -0.15
Operating Cash Flow Ratio
-9.70 -9.70 -6.90 -6.24 -7.49
Short-Term Operating Cash Flow Coverage
-494.23 -494.23 -897.80 -89.15 -118.58
Net Current Asset Value
£ -52.76M£ -52.76M£ -24.39M£ -26.72M£ -31.47M
Leverage Ratios
Debt-to-Assets Ratio
0.96 0.96 1.00 1.00 0.81
Debt-to-Equity Ratio
174.20 174.20 -59.00 -53.83 11.45
Debt-to-Capital Ratio
0.99 0.99 1.02 1.02 0.92
Long-Term Debt-to-Capital Ratio
0.99 0.99 1.02 1.02 0.93
Financial Leverage Ratio
181.57 181.57 -59.25 -53.85 14.16
Debt Service Coverage Ratio
0.91 0.82 1.06 -0.91 -0.96
Interest Coverage Ratio
0.38 0.83 0.73 -0.93 -0.68
Debt to Market Cap
29.62 79.74 47.05 24.25 14.99
Interest Debt Per Share
0.35 0.35 0.24 0.20 0.18
Net Debt to EBITDA
12.33 13.56 8.49 -10.59 -11.52
Profitability Margins
Gross Profit Margin
96.95%95.21%94.98%31.78%23.83%
EBIT Margin
71.99%63.52%87.95%-215.50%-70.81%
EBITDA Margin
72.77%64.28%89.86%-209.33%-67.75%
Operating Profit Margin
29.76%63.52%61.09%-215.50%-47.17%
Pretax Profit Margin
5.63%5.47%0.83%-196.81%-140.27%
Net Profit Margin
4.64%4.50%3.58%-199.65%-140.77%
Continuous Operations Profit Margin
4.64%4.50%3.58%-199.65%-140.77%
Net Income Per EBT
82.32%82.32%430.00%101.44%100.36%
EBT Per EBIT
18.92%8.61%1.36%91.33%297.37%
Return on Assets (ROA)
0.49%0.49%0.46%-8.58%-13.85%
Return on Equity (ROE)
-246.75%88.45%-27.12%462.25%-196.01%
Return on Capital Employed (ROCE)
3.24%7.13%7.98%-9.46%-4.80%
Return on Invested Capital (ROIC)
2.67%5.86%0.00%-9.43%-4.79%
Return on Tangible Assets
0.49%0.49%0.46%-8.58%-16.11%
Earnings Yield
14.72%40.62%21.71%-208.48%-231.47%
Efficiency Ratios
Receivables Turnover
0.12 0.12 0.15 0.06 0.18
Payables Turnover
0.00 0.00 2.48 86.16 33.97
Inventory Turnover
0.00 0.00 0.00 0.00 10.78
Fixed Asset Turnover
24.96 25.70 33.00 15.56 23.50
Asset Turnover
0.11 0.11 0.13 0.04 0.10
Working Capital Turnover Ratio
0.31 0.18 0.18 0.07 0.27
Cash Conversion Cycle
3.13K 3.04K 2.30K 6.11K 2.10K
Days of Sales Outstanding
3.13K 3.04K 2.45K 6.12K 2.08K
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 33.87
Days of Payables Outstanding
0.00 0.00 147.31 4.24 10.75
Operating Cycle
3.13K 3.04K 2.45K 6.12K 2.11K
Cash Flow Ratios
Operating Cash Flow Per Share
-0.12 -0.12 -0.03 -0.02 -0.05
Free Cash Flow Per Share
-0.12 -0.12 -0.03 -0.02 -0.05
CapEx Per Share
<0.01 <0.01 <0.01 <0.01 <0.01
Free Cash Flow to Operating Cash Flow
1.00 1.00 1.00 1.00 1.01
Dividend Paid and CapEx Coverage Ratio
-698.03 -698.03 -897.80 -4.52K -110.74
Capital Expenditure Coverage Ratio
-698.03 -698.03 -897.80 -4.52K -110.74
Operating Cash Flow Coverage Ratio
-0.36 -0.36 -0.15 -0.13 -0.31
Operating Cash Flow to Sales Ratio
-3.30 -3.21 -1.15 -2.96 -2.52
Free Cash Flow Yield
-1077.12%-2899.39%-698.02%-309.36%-417.53%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
6.79 2.46 4.61 -0.48 -0.43
Price-to-Sales (P/S) Ratio
0.31 0.11 0.16 0.96 0.61
Price-to-Book (P/B) Ratio
6.01 2.18 -1.25 -2.22 0.85
Price-to-Free Cash Flow (P/FCF) Ratio
-0.09 -0.03 -0.14 -0.32 -0.24
Price-to-Operating Cash Flow Ratio
-0.10 -0.03 -0.14 -0.32 -0.24
Price-to-Earnings Growth (PEG) Ratio
0.29 0.04 -0.04 0.01 -0.01
Price-to-Fair Value
6.01 2.18 -1.25 -2.22 0.85
Enterprise Value Multiple
12.76 13.73 8.67 -11.04 -12.42
Enterprise Value
190.22M 186.26M 121.65M 105.76M 84.06M
EV to EBITDA
12.76 13.73 8.67 -11.04 -12.42
EV to Sales
9.28 8.83 7.79 23.12 8.41
EV to Free Cash Flow
-2.81 -2.75 -6.77 -7.80 -3.31
EV to Operating Cash Flow
-2.81 -2.75 -6.77 -7.80 -3.34
Tangible Book Value Per Share
<0.01 <0.01 >-0.01 >-0.01 -0.01
Shareholders’ Equity Per Share
<0.01 <0.01 >-0.01 >-0.01 0.01
Tax and Other Ratios
Effective Tax Rate
0.18 0.18 1.00 -0.01 >-0.01
Revenue Per Share
0.03 0.04 0.03 <0.01 0.02
Net Income Per Share
<0.01 <0.01 <0.01 -0.02 -0.03
Tax Burden
0.82 0.82 4.30 1.01 1.00
Interest Burden
0.08 0.09 <0.01 0.91 1.98
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.00 0.00 0.09 0.31 0.10
Stock-Based Compensation to Revenue
0.00 0.00 0.00 0.00 0.00
Income Quality
-71.27 -71.27 0.00 1.48 1.79
Currency in GBP