Sancus Lending Group Limited (GB:LEND)
LSE:LEND
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Sancus Lending Group
(LSE:LEND)
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Rating:55Neutral
Price Target:
1.00 p
▲(150.00% Upside)
Action:ReiteratedDate:03/24/26
The score is primarily held back by financial fragility—very high leverage with minimal/negative equity and weak cash flow conversion despite improved profitability. Technicals are constructive (price above major moving averages) but look stretched on RSI, while valuation appears low on P/E and recent corporate funding events are supportive.
Positive Factors
Revenue growth & return to profitability
Sustained top-line momentum and a return to profit indicate improving underwriting and revenue diversification across UK, Irish and Channel Islands lending. Durable revenue growth and positive PBT support reinvestment, scale advantages and ability to absorb credit costs over the medium term.
Negative Factors
Extremely high leverage and tiny equity base
A very small equity buffer leaves the balance sheet highly sensitive to loan losses, interest shocks or valuation swings. Such extreme leverage limits financial flexibility, raises refinancing and covenant risk, and means profitability gains may not provide durable capital protection without continued external support.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue growth & return to profitability
Sustained top-line momentum and a return to profit indicate improving underwriting and revenue diversification across UK, Irish and Channel Islands lending. Durable revenue growth and positive PBT support reinvestment, scale advantages and ability to absorb credit costs over the medium term.
Read all positive factors
Sancus Lending Group (LEND) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£11.28M
Dividend YieldN/A
Average Volume (3M)50.03K
Price to Earnings (P/E)2.5
Beta (1Y)0.27
Revenue Growth30.78%
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 provides alternative finance services primarily in the United Kingdom and Ireland. It operates through four segments: Offshore, United Kingdom, Ireland, and Sancus Loans Limited. The company offers property backed, and...
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
0.84
Positive
0.63
Positive
0.54
Positive
Market Momentum
0.08
Negative
67.59
Neutral
37.18
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 0.89, below the 50-day MA of 0.84, and below the 200-day MA of 0.54, indicating a bullish trend. The MACD of 0.08 indicates Negative momentum. The RSI at 67.59 is Neutral, neither overbought nor oversold. The STOCH value of 37.18 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 | £40.24M | 3.46 | 8.28% | ― | 11.71% | 31.15% | |
73 Outperform | £116.06M | 10.48 | 16.60% | ― | 203.09% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | £93.53M | 5.72 | 11.93% | ― | 17.35% | 91.55% | |
62 Neutral | £11.85M | 2.16 | 14.61% | 3.33% | 8.91% | 94.32% | |
55 Neutral | £11.28M | 2.46 | ― | ― | 30.78% | ― | |
55 Neutral | £373.66M | 8.64 | 21.54% | ― | 7.90% | ― |
* Financial Sector Average
GB:LEND
Sancus Lending Group
1.05
0.55
110.00%
GB:TIME
Time Finance plc
43.50
-8.00
-15.53%
GB:ORCH
Orchard Funding
55.50
28.57
106.09%
GB:FCH
Funding Circle Holdings
130.00
17.50
15.56%
GB:TRU
TruFin
123.00
45.00
57.69%
GB:DFCH
Distribution Finance Capital Holdings Plc
57.00
18.50
48.05%
Sancus Lending Group Corporate Events
Business Operations and StrategyFinancial DisclosuresPrivate Placements and Financing
Sancus Lending Group lifts profit as loan book and funding capacity surge
Positive
Mar 19, 2026
Sancus Lending Group reported a sharp improvement in 2025 performance, with revenue up 32% to £22.1m and profit before tax rising to £1.2m, supported by strong loan origination and a 29% increase in loans under management to £306.7m...
Business Operations and StrategyPrivate Placements and Financing
Sancus Extends Preference Share Maturity and Secures £750,000 Bond Funding from Somerston
Positive
Mar 19, 2026
Sancus Lending Group has amended the terms of redeemable preference shares in its subsidiary Sancus Loans Limited, extending the redemption date from November 2026 to February 2031 to better align with its senior funding facility. The changes also...
Business Operations and StrategyFinancial DisclosuresPrivate Placements and Financing
Sancus Secures £300m Extended Credit Facility to Fuel Property Lending Growth
Positive
Feb 12, 2026
Sancus Lending Group has expanded and extended its existing credit facility with Pollen Street Capital, increasing the size from £200 million to £300 million and pushing the maturity out to no earlier than 11 February 2031. This provides...
Business Operations and StrategyFinancial Disclosures
Sancus Lending Group Posts Strong 2025 Growth and Sharp Profit Improvement
Positive
Jan 28, 2026
Sancus Lending Group reported a strong trading performance for the year ended 31 December 2025, with turnover rising 32% to approximately £22.1m and an expected profit before tax of slightly over £1.0m, driven by robust growth in its UK ...
Business Operations and StrategyPrivate Placements and Financing
Sancus Draws £1.4m Junior Funding from Majority Shareholder to Expand Loan Book
Positive
Jan 20, 2026
Sancus Lending Group Limited has issued £1.4 million of preference shares in its subsidiary Sancus Loans Limited to Somerston Fintech Limited, a subsidiary of its majority shareholder Somerston Group, under an existing junior funding commitme...
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.