LendInvest PLC (LINV) AI Stock Analysis

• Market Cap: £39.29M
• Dividend Yield: N/A
• Average Volume (3M): 8.06K
• Price to Earnings (P/E): 14.9
• Beta (1Y): 0.12
• Revenue Growth: 29.70%
• EPS Growth: N/A
• Country: UK
• Employees: 196
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Mortgages
• EPS (TTM): <0.01
• Shares Outstanding: 142,782,030
• 10 Day Avg. Volume: 11,578
• 30 Day Avg. Volume: 8,061
• PEG Ratio: 0.26
• Price to Book (P/B): 0.60
• Price to Sales (P/S): 0.43
• P/FCF Ratio: -0.19
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 0.02
• Revenue Forecast (FY): £44.72M

• Rating: 39 Underperform
• Price Target: 26.00 p ▼(-26.76% Downside)
• Action: Reiterated Date: 10/18/25
• Date: Action: Reiterated 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

Very strong top-line expansion demonstrates clear demand for LendInvest's mortgage and bridging products and indicates the firm is scaling origination activity. Sustained revenue growth can support future net interest income, platform fees, and improve coverage of fixed costs over time.

Negative Factors

High Leverage

Very high debt relative to equity creates structural vulnerability to higher funding costs, refinancing risk, and downturns in property values. This level of leverage constrains strategic flexibility and increases the probability that profits are eroded by interest expense or regulatory capital pressure.

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...

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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...

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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

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

• Technical Analysis Sentiment: Negative
• Last Price: 35.50
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• STOCH: 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 29.65, above the 50-day MA of 32.10, and below the 200-day MA of 36.61, indicating a bearish trend. The MACD of -0.98 indicates Positive momentum. The RSI at 12.20 is Positive, neither overbought nor oversold. The STOCH value of 34.86 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OSB	71 Outperform	£1.86B	8.14	13.26%	5.34%	-7.30%	-27.83%
POLN	71 Outperform	£480.59M	10.05	9.28%	5.79%	82.69%	21.07%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PAG	65 Neutral	£1.38B	5.39	12.70%	4.74%	-4.98%	3.02%
FCH	55 Neutral	£383.43M	8.64	21.54%	―	7.90%	―
CBG	46 Neutral	£589.23M	-2.93	-9.28%	―	-15.79%	-211.91%
LINV	39 Underperform	£39.29M	14.95	0.73%	―	29.70%	―