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INDICATIVE · SAMPLE DATA
LINV58

Lendinvest PLC

Consumer LendingVerified

Lendinvest's capital structure is characterized by a lack of dilution risk, as shares outstanding remain unchanged between basic and diluted counts (142,782,025). However, liquidity risk remains unassessed due to missing balance-sheet inputs and absence of going-concern language in source documents. The company's valuation snapshot is currently unavailable, limiting direct comparisons to industry benchmarks. Profitability metrics are not available in the current dataset, preventing a direct comparison to industry_config preferred metrics for the Consumer Lending sector. Without disclosed return on invested capital (ROIC) or margin data, it is not possible to assess Lendinvest's performance relative to cohort medians. Segment and geographic exposure data are not disclosed in the available source documents, making it impossible to evaluate revenue concentration or geographic diversification. This lack of transparency limits the ability to assess operational risk from regional or product-specific concentration. Growth trajectory analysis is constrained by the absence of historical revenue data and forward-looking outlook figures. Analysts have assigned a uniform price target of 80.00 GBP with a strong buy recommendation (mean score 1.00), but these estimates lack supporting financial data to validate the assumptions. Risk factors include the inability to assess liquidity risk, which could impact the company's ability to meet short-term obligations. The low dilution risk is supported by unchanged share counts, but the absence of capital-raising activity disclosures prevents a full evaluation of potential dilution pressures. Recent events and filings do not appear in the source documents, leaving no direct evidence of material developments in the past quarter. The lack of transcript data or regulatory filings prevents analysis of management commentary or strategic shifts.

30-day price · LINV+0.00 (+0.0%)
Low$24.80High$28.00Close$26.00As of13 May, 00:00 UTC
Profile
CompanyLendinvest PLC
TickerLINV.L
SectorFinancials
BusinessBanking & Investment Services
Industry groupBanking & Investment Services
IndustryConsumer Lending
AI analysis

Business. Lendinvest PLC provides digital lending and investment services, connecting investors with borrowers through a peer-to-peer platform.

Classification. Lendinvest is classified in the Financials sector under the Consumer Lending industry with high confidence (0.92) based on verified market data.

Lendinvest's capital structure is characterized by a lack of dilution risk, as shares outstanding remain unchanged between basic and diluted counts (142,782,025). However, liquidity risk remains unassessed due to missing balance-sheet inputs and absence of going-concern language in source documents. The company's valuation snapshot is currently unavailable, limiting direct comparisons to industry benchmarks. Profitability metrics are not available in the current dataset, preventing a direct comparison to industry_config preferred metrics for the Consumer Lending sector. Without disclosed return on invested capital (ROIC) or margin data, it is not possible to assess Lendinvest's performance relative to cohort medians. Segment and geographic exposure data are not disclosed in the available source documents, making it impossible to evaluate revenue concentration or geographic diversification. This lack of transparency limits the ability to assess operational risk from regional or product-specific concentration. Growth trajectory analysis is constrained by the absence of historical revenue data and forward-looking outlook figures. Analysts have assigned a uniform price target of 80.00 GBP with a strong buy recommendation (mean score 1.00), but these estimates lack supporting financial data to validate the assumptions. Risk factors include the inability to assess liquidity risk, which could impact the company's ability to meet short-term obligations. The low dilution risk is supported by unchanged share counts, but the absence of capital-raising activity disclosures prevents a full evaluation of potential dilution pressures. Recent events and filings do not appear in the source documents, leaving no direct evidence of material developments in the past quarter. The lack of transcript data or regulatory filings prevents analysis of management commentary or strategic shifts.
Key takeaways
  • Analysts uniformly recommend Lendinvest with a strong buy rating and 80.00 GBP price target.
  • Dilution risk is currently low, but liquidity risk remains unassessed due to missing financial disclosures.
  • No segment or geographic revenue concentration data is available to evaluate operational risk.
  • Growth trajectory and profitability metrics are not disclosed, limiting valuation analysis.
  • The company's digital lending model operates in a competitive sector with limited transparency in financial reporting.
  • --
  • ## RATIONALES
  • ```json
Financial snapshot
PeriodHA-latest
CurrencyGBP
Revenue
Gross profit
Operating income
Net income
R&D
SG&A
D&A
SBC
Operating cash flow
CapEx
Free cash flow
Total assets
Total liabilities
Total equity
Cash & equivalents
Long-term debt
Annual history (last 5)
PeriodRevenueOp IncomeNet IncomeFCF
FY-4$72.4M$7.1M$3.8M$4.8M
FY-3$87.8M$13.4M$10.9M$11.1M
FY-2$86.5M$9.2M$11.4M$100.0k
FY-1$85.0M-$23.3M-$20.1M-$23.8M
FY0$93.1M-$1.7M-$1.6M$700.0k
PeriodGross %Op %Net %FCF %
FY-4
FY-3
FY-2
FY-1
FY0
PeriodAssetsEquityCashDebt
FY-4$1.14B$49.9M$57.3M
FY-3$1.38B$97.5M$99.3M
FY-2$1.26B$76.5M$40.4M
FY-1$601.6M$59.3M$53.2M
FY0$830.5M$64.4M$64.4M
PeriodOCFCapExFCFSBC
FY-4-$216.1M-$2.4M$4.8M
FY-3-$145.1M-$3.4M$11.1M
FY-2-$192.7M-$6.3M$100.0k
FY-1$28.6M-$3.2M-$23.8M
FY0-$196.5M-$2.2M$700.0k
Quarterly history (last 4)
PeriodRevenueOp IncomeNet IncomeFCF
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
PeriodGross %Op %Net %FCF %
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
PeriodAssetsEquityCashDebt
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
PeriodOCFCapExFCFSBC
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
Valuation
Market price
Market cap
Enterprise value
P/E
Reported non-GAAP P/E
EV/Revenue
EV/Op income
EV/OCF
P/B
P/Tangible book
Tangible book
Net cash
Current ratio
Debt/Equity
ROA
ROE
Cash conversion
CapEx/Revenue
SBC/Revenue
Asset intensity
Dilution ratio0.0%
Risk assessment
Dilution riskLow
Liquidity riskUnknown
  • Liquidity risk could not be assessed (no balance-sheet inputs and no going-concern language in source documents).
Industry benchmarks
Activity: Banking · cohort 265 companies
MetricLINVActivity
Op margin29.4% medp25 11.0% · p75 55.5%
Net margin14.7% medp25 3.8% · p75 30.9%
Gross margin63.7% medp25 42.1% · p75 95.0%
CapEx / revenue-1.4% medp25 -3.9% · p75 -0.4%
Debt / equity121.9% medp25 14.0% · p75 332.1%
Observations
IR observations
Mean price target80.00 GBP
Median price target80.00 GBP
High price target80.00 GBP
Low price target80.00 GBP
Mean recommendation1.00 (1=strong buy, 5=strong sell)
Strong-buy count1.00
Buy count0.00
Hold count0.00
Sell count0.00
Strong-sell count0.00
Mean EPS estimate0.02 GBP
Last actual EPS-0.01 GBP
Source data
Underlying data the analysis-pipeline pulls and audits. Fetch timestamps + content hashes show when each source was last refreshed.
Company fundamentalsperiod FQ-7 · history via verified-market-data
no public URL
2026-05-13 00:24 UTC#c3386f76
Market quoteclose GBP 25.50 · shares 0.14B diluted
no public URL
2026-05-13 00:25 UTC#7e6a970f
Source: analysis-pipeline (hybrid)Generated: 2026-05-28 10:31 UTCJob: de2a467c