Sancus Lending Group Limited (GB:LEND)
LSE:LEND
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Sancus Lending Group
(LSE:LEND)
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Rating:58Neutral
Price Target:
1.00 p
▲(150.00% Upside)
Action:Reiterated
Date:03/26/26
The score is held back primarily by financial fragility—very high leverage with minimal/negative equity and weak cash-flow conversion despite improved profitability. Offsetting this are constructive technical momentum (price above key averages, positive MACD) and a low P/E valuation.
Positive Factors
Return to profitability & revenue growth
Sancus shows a durable top-line recovery with meaningful 2025 revenue growth and restored profitability. That suggests the core lending franchise and origination channels are scaling, supporting sustainable interest and fee income over the next 2–6 months if underwriting discipline and market access persist.
Negative Factors
Extremely high leverage
The balance sheet is structurally fragile: debt vastly exceeds equity, producing extreme debt-to-equity sensitivity. With equity near-zero, any asset-quality deterioration or funding stress could quickly impair solvency or require dilutive recapitalisation, constraining strategic flexibility and long-term durability.
Read all positive and negative factors
Positive Factors
Negative Factors
Return to profitability & revenue growth
Sancus shows a durable top-line recovery with meaningful 2025 revenue growth and restored profitability. That suggests the core lending franchise and origination channels are scaling, supporting sustainable interest and fee income over the next 2–6 months if underwriting discipline and market access persist.
Read all positive factors
Sancus Lending Group (LEND) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£12.89M
Dividend YieldN/A
Average Volume (3M)50.03K
Price to Earnings (P/E)7.4
Beta (1Y)0.04
Revenue Growth35.19%
EPS GrowthN/A
CountryUK
Employees42
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)<0.01
Shares Outstanding1,085,860,000
10 Day Avg. Volume91,091
30 Day Avg. Volume50,034
Financial Highlights & Ratios
PEG Ratio0.04
Price to Book (P/B)2.18
Price to Sales (P/S)0.11
P/FCF Ratio-0.03
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)<0.01
Revenue Forecast (FY)£17.88M
Sancus Lending Group Business Overview & Revenue Model
Company Description
Sancus Lending Group Limited offers specialized alternative financial services, predominantly serving clients in the United Kingdom and Ireland. The company organizes its activities across four distinct divisions: Offshore, United Kingdom, Ireland...
How the Company Makes Money
Sancus Lending Group makes money primarily by providing financing to businesses and individuals and charging interest on the secured loans it offers. The company earns revenue through fees associated with loan origination, processing, and manageme...
Sancus Lending Group Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
18
Very Negative
Cash Flow
12
Very Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 21.10M | 15.61M | 4.58M | 9.99M | 2.62M |
| Gross Profit | 20.09M | 14.83M | 1.45M | 2.38M | 7.13M |
| EBITDA | 13.56M | 14.03M | -9.58M | -6.77M | -3.95M |
| Net Income | 950.00K | 559.00K | -9.13M | -14.06M | -10.34M |
Balance Sheet | |||||
| Total Assets | 195.00M | 122.12M | 106.41M | 101.55M | 96.96M |
| Cash, Cash Equivalents and Short-Term Investments | 3.16M | 2.53M | 4.99M | 4.13M | 12.44M |
| Total Debt | 187.09M | 121.60M | 106.37M | 82.11M | 76.00M |
| Total Liabilities | 193.93M | 124.18M | 108.39M | 94.38M | 77.86M |
| Stockholders Equity | 1.07M | -2.06M | -1.98M | 7.17M | 19.09M |
Cash Flow | |||||
| Free Cash Flow | -67.81M | -17.98M | -13.55M | -25.36M | -8.48M |
| Operating Cash Flow | -67.71M | -17.96M | -13.55M | -25.14M | -8.31M |
| Investing Cash Flow | -347.00K | -584.00K | 1.62M | -155.00K | 399.00K |
| Financing Cash Flow | 68.55M | 16.16M | 12.80M | 16.97M | 4.55M |
Sancus Lending Group Technical Analysis
Positive
0.40
Price Trends
1.21
Negative
1.08
Positive
0.75
Positive
Market Momentum
>-0.01
Positive
48.50
Neutral
50.00
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:LEND, the sentiment is Positive. The current price of 0.4 is below the 20-day moving average (MA) of 1.20, below the 50-day MA of 1.21, and below the 200-day MA of 0.75, indicating a neutral trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 48.50 is Neutral, neither overbought nor oversold. The STOCH value of 50.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:LEND.
Sancus Lending Group Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | £43.02M | 7.25 | 8.28% | ― | 5.19% | 14.53% | |
73 Outperform | £127.17M | 11.39 | 16.60% | ― | 19.95% | 146.39% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | £93.53M | 6.12 | 12.38% | ― | 18.38% | 13.20% | |
62 Neutral | £12.17M | 4.04 | 14.61% | 3.33% | 8.91% | 94.32% | |
58 Neutral | £12.89M | 7.41 | ― | ― | 35.19% | ― | |
55 Neutral | £421.51M | 9.67 | 21.54% | ― | 37.60% | 2766.67% |
* Financial Sector Average
GB:LEND
Sancus Lending Group
1.20
0.72
150.00%
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GB:TRU
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GB:DFCH
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Sancus Lending Group Corporate Events
Business Operations and StrategyShareholder Meetings
Sancus Lending Group Secures Shareholder Backing at AGM
Positive
Jun 9, 2026
Sancus Lending Group Limited reported that all resolutions presented at its latest Annual General Meeting were duly passed by shareholders. The voting outcome, which will be detailed on the company’s website, confirms continued shareholder s...
Business Operations and StrategyFinancial DisclosuresPrivate Placements and Financing
Sancus Lifts Revenue and AUM but Warns on Profitability as It Raises Fresh Bond Funding
Neutral
May 26, 2026
Sancus Lending Group reported a 44.1% rise in revenue to £8.5 million for the four months to 30 April 2026, driven by its UK and Irish operations, with new loan facilities steady at £42.9 million and assets under management up 6.6% to &#...
Business Operations and StrategyShareholder Meetings
Sancus Lending Group Issues Notice of 2026 AGM and Promotes Online Voting
Positive
May 21, 2026
Sancus Lending Group has issued the notice of its upcoming Annual General Meeting, confirming that the AGM will take place on 9 June 2026 at Windsor House in St Peter Port, Guernsey, with related documents made available on its investor relations ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.