LendInvest PLC (GB:LINV)
LSE:LINV
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LendInvest PLC
(LSE:LINV)
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Rating:39Underperform
Price Target:
25.00 p
▼(-29.58% Downside)
Action:ReiteratedDate:10/18/25
LendInvest PLC's overall stock score is primarily impacted by its financial performance challenges, including high leverage and negative cash flows. Technical analysis indicates bearish momentum, and valuation metrics are weak due to a negative P/E ratio. The lack of earnings call and corporate events data limits additional insights.
Positive Factors
Revenue Growth
The company reported a very large top-line expansion, showing strong origination and distribution scale in property lending. Durable revenue growth supports platform economics, helps absorb fixed costs and funds reinvestment into originations and product development over months.
Negative Factors
High Leverage
A very high debt-to-equity ratio signals heavy reliance on borrowed funding, raising refinancing and interest-rate risk. Structurally, this limits flexibility, increases cost sensitivity and heightens solvency risk if origination or credit conditions worsen over the coming months.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
The company reported a very large top-line expansion, showing strong origination and distribution scale in property lending. Durable revenue growth supports platform economics, helps absorb fixed costs and funds reinvestment into originations and product development over months.
Read all positive factors
LendInvest PLC (LINV) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£37.88M
Dividend YieldN/A
Average Volume (3M)8.06K
Price to Earnings (P/E)14.9
Beta (1Y)0.06
Revenue Growth29.70%
EPS GrowthN/A
CountryUK
Employees196
SectorFinancial
Sector Strength70
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)<0.01
Shares Outstanding142,782,030
10 Day Avg. Volume11,578
30 Day Avg. Volume8,061
Financial Highlights & Ratios
PEG Ratio0.26
Price to Book (P/B)0.60
Price to Sales (P/S)0.43
P/FCF Ratio-0.19
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)0.03
Revenue Forecast (FY)£51.33M
LendInvest PLC Business Overview & Revenue Model
Company Description
LendInvest plc operates as a property finance asset manager in the United Kingdom. The company offers short-term, development, and buy-to-let mortgages to intermediaries, landlords, and developers. It also provides fund management services; and ho...
How the Company Makes Money
LendInvest makes money primarily by originating and managing property-backed loans and earning income associated with that lending activity. Key revenue streams typically include: (1) net interest income, i.e., interest charged to borrowers on mor...
LendInvest PLC Financial Statement Overview
Summary
Income Statement
45
Neutral
Balance Sheet
30
Negative
Cash Flow
40
Negative
| Breakdown | TTM | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 46.30M | 88.60M | 85.10M | 86.70M | 87.60M | 79.13M |
| Gross Profit | 74.30M | 49.80M | 37.70M | 81.60M | 79.10M | 37.63M |
| EBITDA | 6.10M | 19.50M | -13.20M | 58.30M | 57.70M | 40.50M |
| Net Income | 500.00K | -1.60M | -20.10M | 11.40M | 10.90M | 3.80M |
Balance Sheet | ||||||
| Total Assets | 991.30M | 830.50M | 601.60M | 1.26B | 1.38B | 1.15B |
| Cash, Cash Equivalents and Short-Term Investments | 85.20M | 64.40M | 55.70M | 46.70M | 118.20M | 57.29M |
| Total Debt | 860.90M | 730.50M | 516.90M | 1.16B | 1.22B | 1.05B |
| Total Liabilities | 918.60M | 766.10M | 542.30M | 1.19B | 1.27B | 1.10B |
| Stockholders Equity | 72.70M | 64.40M | 59.30M | 76.50M | 103.30M | 48.25M |
Cash Flow | ||||||
| Free Cash Flow | -98.30M | -198.70M | 25.40M | -25.40M | 36.30M | -218.53M |
| Operating Cash Flow | -98.20M | -196.50M | 28.60M | -18.90M | 39.70M | -216.12M |
| Investing Cash Flow | -270.70M | 3.80M | -16.90M | 11.70M | -191.00M | -2.43M |
| Financing Cash Flow | 254.00M | 205.20M | -2.70M | -64.30M | 207.30M | 189.10M |
LendInvest PLC Technical Analysis
Negative
35.50
Price Trends
29.70
Negative
32.73
Negative
35.72
Negative
Market Momentum
-0.96
Negative
21.83
Positive
66.67
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:LINV, the sentiment is Negative. The current price of 35.5 is above the 20-day moving average (MA) of 27.25, above the 50-day MA of 29.70, and below the 200-day MA of 35.72, indicating a bearish trend. The MACD of -0.96 indicates Negative momentum. The RSI at 21.83 is Positive, neither overbought nor oversold. The STOCH value of 66.67 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GB:LINV.
LendInvest PLC Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | £1.94B | 8.14 | 13.26% | 5.34% | -7.30% | -27.83% | |
71 Outperform | £522.34M | 10.05 | 9.58% | 5.79% | 82.69% | 21.07% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | £1.49B | 5.39 | 12.75% | 4.74% | -4.98% | 3.02% | |
55 Neutral | £430.16M | 8.64 | 21.54% | ― | 7.90% | ― | |
51 Neutral | £667.43M | -2.93 | -9.28% | ― | -15.79% | -211.91% | |
39 Underperform | £37.88M | 14.95 | 0.73% | ― | 29.70% | ― |
* Financial Sector Average
GB:LINV
LendInvest PLC
26.50
-0.50
-1.85%
GB:CBG
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GB:OSB
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GB:PAG
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6.48%
GB:FCH
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156.00
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52.94%
GB:POLN
Pollen Street Group Limited
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38.10%
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.