LendInvest PLC (LINV) AI Stock Analysis

• Market Cap: £44.20M
• Dividend Yield: N/A
• Average Volume (3M): 38.55K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.27
• Revenue Growth: -10.35%
• EPS Growth: 18.10%
• Country: UK
• Employees: 196
• Sector: Financial
• Sector Strength: 82
• Industry: Financial - Mortgages
• EPS (TTM): -0.07
• Shares Outstanding: 142,782,030
• 10 Day Avg. Volume: 20,105
• 30 Day Avg. Volume: 38,554
• PEG Ratio: -0.07
• Price to Book (P/B): 0.68
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -0.24
• 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

• Rating: 54 Neutral
• Price Target: ―

LendInvest PLC's stock score reflects significant financial challenges, particularly in revenue and profitability, compounded by high leverage levels. Positive technical indicators suggest some short-term market confidence, but valuation concerns, due to negative earnings and lack of dividends, weigh on the score. The absence of recent earnings guidance or corporate events leaves these financial and technical factors as primary influences on the stock's outlook.

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 PLC generates revenue primarily through the origination and servicing of property loans. The company earns interest income by providing short-term, development, and buy-to-let loans to property professionals. Additionally, LendInvest may earn fees associated with loan origination, management, and repayment. The company also benefits from its online platform, which connects institutional and retail investors with lending opportunities, allowing them to earn returns from property-backed investments. Key partnerships with financial institutions and investment funds contribute to its ability to offer competitive loan products and expand its lending capacity.

LendInvest PLC Financial Statement Overview

Summary

LendInvest PLC faces challenges with declining revenue and profitability, as seen in the income statement. The high leverage indicated by the balance sheet suggests financial risk, although positive free cash flow offers some operational cushion. Addressing high debt levels and improving operational efficiency are critical for enhancing financial stability.

Income Statement

The company experienced a significant drop in revenue from the previous year, with a revenue decrease of 5.07%. Gross profit margin remains high at approximately 94.28%, but the net profit margin turned negative at -24.42% due to the net loss. This indicates issues with cost management or declining sales. Additionally, EBIT and EBITDA margins were negative, reflecting operating inefficiencies.

Balance Sheet

The debt-to-equity ratio is high at 8.71, indicating significant leverage which poses financial risk. The equity ratio is relatively low at 9.85%, suggesting a high reliance on debt financing. Return on equity is negative, further highlighting profitability challenges. Overall, the balance sheet reflects high leverage and potential stability concerns.

Cash Flow

The company shows positive free cash flow, indicating some level of operational efficiency despite net losses. The operating cash flow to net income ratio is strong at 1.42, suggesting good cash conversion. However, the historical free cash flow growth rate is negative, reflecting inconsistency in cash generation.

Breakdown
TTM	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020
Income Statement		Total Revenue
20.30M	85.10M	86.70M	87.60M	79.13M	65.48M
	Gross Profit
15.80M	37.70M	81.60M	79.10M	37.63M	30.25M
	EBIT
-11.50M	23.50M	55.50M	54.10M	9.26M	625.00K
	EBITDA
29.10M	-12.50M	58.30M	57.70M	40.50M	26.58M
	Net Income Common Stockholders
-10.10M	-20.10M	11.40M	10.90M	3.80M	-2.21M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
62.20M	55.70M	46.70M	118.20M	57.29M	91.60M
	Total Assets
1.14B	601.60M	1.26B	1.38B	1.15B	908.20M
	Total Debt
0.00	516.90M	1.16B	1.22B	1.05B	851.90M
	Net Debt
-62.20M	463.70M	1.12B	1.10B	987.88M	760.30M
	Total Liabilities
1.04B	542.30M	1.19B	1.27B	1.10B	898.20M
	Stockholders Equity
4.40M	59.30M	76.50M	103.30M	48.25M	10.00M
Cash Flow		Free Cash Flow
-160.70M	25.40M	-25.40M	36.30M	-218.53M	-404.66M
	Operating Cash Flow
-159.60M	28.60M	-18.90M	39.70M	-216.12M	-401.11M
	Investing Cash Flow
-11.20M	-16.90M	11.70M	-191.00M	-2.43M	-3.47M
	Financing Cash Flow
154.40M	-2.70M	-64.30M	207.30M	189.10M	456.11M

LendInvest PLC Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 31.50
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Negative
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:LINV, the sentiment is Positive. The current price of 31.5 is above the 20-day moving average (MA) of 30.80, above the 50-day MA of 28.63, and above the 200-day MA of 26.89, indicating a bullish trend. The MACD of 0.81 indicates Positive momentum. The RSI at 95.92 is Negative, 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 Positive sentiment for GB:LINV.

LendInvest PLC Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PAG	82 Outperform	£1.70B	8.69	14.68%	4.63%	27.88%	28.92%
OSB	77 Outperform	£1.81B	6.37	13.70%	6.80%	18.67%	17.42%
JUP	74 Outperform	£467.13M	7.40	8.03%	5.90%	0.37%	―
MAB1	67 Neutral	£467.13M	29.21	22.10%	3.50%	11.27%	16.57%
SAGA	65 Neutral	£218.18M	―	-127.10%	―	-20.62%	-44.96%
Sector *	64 Neutral	$12.77B	9.77	7.59%	16985.66%	12.30%	-7.71%
LINV	54 Neutral	£44.20M	―	-16.30%	―	-10.35%	18.10%