LendInvest PLC (LINV) AI Stock Analysis

• Market Cap: £42.09M
• Dividend Yield: N/A
• Average Volume (3M): 8.06K
• Price to Earnings (P/E): 14.9
• Beta (1Y): 0.09
• 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: £80.00
• Price Target Upside: 125.35% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): 0.02
• Revenue Forecast (FY): £44.75M

• Rating: 39 Underperform
• Price Target: 28.00p ▼(-21.13% 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

Strong top-line growth

Sustained, large revenue increases indicate the business is winning market share and scaling originations. Over 2–6 months this supports improved operating leverage potential and gives management room to address margins and cash conversion if growth is maintained and cost discipline follows.

Diversified fee and interest revenue model

A revenue mix of interest, borrower fees and investment management aligns incentives across lending and fund management. This diversification reduces reliance on single income streams, creates recurring fee opportunities, and supports resilience across credit cycles if underwriting and fund flows remain consistent.

Access to institutional capital and partnerships

Established partnerships with institutional investors and developers provide a durable source of lending capital and deal flow. Over months this structural access lowers funding volatility, helps scale originations, and supports the platform model's ability to match capital to loans consistently.

Negative Factors

Very high financial leverage

An elevated debt-to-equity ratio materially increases interest burden and refinancing risk. Over a multi-month horizon high leverage constrains flexibility to grow or absorb credit deterioration, and magnifies the impact of cash flow volatility on solvency and strategic options.

Negative operating and free cash flow

Persistent negative operating and free cash flow signal the core lending business is not yet self-funding. This forces dependence on external financing, which is risky given high leverage, and limits the company's ability to fund growth, absorb losses, or improve capital structure without new capital.

Structural unprofitability and margin pressure

Declining gross and operating margins coupled with a negative net margin point to structural cost or pricing pressures. Even with strong revenue growth, inability to translate top-line into profit undermines return on equity and raises questions about long-term business sustainability without corrective actions.

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 holds securities. The company was incorporated in 2012 and is based in London, the United Kingdom.

How the Company Makes Money

LendInvest generates revenue primarily through interest income from the loans it originates and manages. The company charges borrowers interest on the loans, which is typically higher than traditional lenders due to the nature of short-term and development financing. Additionally, LendInvest earns fees from borrowers, including arrangement fees, exit fees, and other servicing fees. The company also generates income through its investment management services, managing funds for institutional investors that invest in property loans. This includes a platform that allows investors to participate in property-backed loans, earning returns from the interest payments made by borrowers. Partnerships with institutional investors and property developers further enhance LendInvest's revenue potential by providing a steady flow of capital for its lending operations.

LendInvest PLC Financial Statement Overview

Summary

LendInvest PLC shows significant revenue growth but struggles with profitability, high leverage, and negative returns on equity. The company faces challenges in cash flow management, with negative operating and free cash flows.

Income Statement

LendInvest PLC shows significant revenue growth with a 336.45% increase in the latest year, indicating strong top-line expansion. However, the company struggles with profitability, as evidenced by a negative net profit margin and declining EBIT and EBITDA margins. The gross profit margin has decreased from previous years, suggesting rising costs or pricing pressures.

Balance Sheet

The balance sheet reveals high leverage with a debt-to-equity ratio of 11.35, indicating significant reliance on debt financing. Stockholders' equity has been relatively stable, but the return on equity is negative, reflecting challenges in generating returns for shareholders. The equity ratio is low, highlighting potential financial risk.

Cash Flow

Cash flow analysis shows negative operating and free cash flows, although there is a positive growth trend in free cash flow. The operating cash flow to net income ratio is negative, indicating inefficiencies in converting income into cash. The free cash flow to net income ratio is also negative, suggesting cash flow challenges.

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 32.15, above the 50-day MA of 33.97, and below the 200-day MA of 36.81, indicating a bearish trend. The MACD of -1.13 indicates Positive momentum. The RSI at 24.21 is Positive, neither overbought nor oversold. The STOCH value of 20.83 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
POLN	82 Outperform	£463.90M	4.27	9.23%	5.79%	82.69%	21.07%
OSB	68 Neutral	£2.00B	3.58	12.04%	5.34%	-7.30%	-27.83%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FCH	66 Neutral	£401.90M	18.88	3.93%	―	7.90%	―
PAG	65 Neutral	£1.52B	5.39	12.70%	4.74%	-4.98%	3.02%
CBG	51 Neutral	£671.30M	-7.76	-9.28%	―	-15.79%	-211.91%
LINV	39 Underperform	£42.09M	14.95	0.77%	―	29.70%	―