LI
LINV.L
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London Stock Exchange
Consumer Lending
Lendinvest PLC
Last 30 days
1D5D1M3M6MYTD1Y5YMax
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About
Lendinvest PLC provides digital lending and investment services, connecting investors with borrowers through a peer-to-peer platform.
Business. Lendinvest PLC (LINV.L) is a financial services company operating in the consumer lending industry within the Banking & Investment Services sector. The firm is headquartered in the United Kingdom and is primarily listed on the London Stock Exchange. Specific details regarding its operating segments and geographic revenue mix are not provided in the available data.
Classification92 %
SectorFinancials
Business sectorBanking & Investment Services
IndustryConsumer Lending
ActivityBanking
Generated · model-assisted
Sell-side consensus
BUY1 analysts
1 buy0 hold0 sell
Avg 12m price target80,00
Analyst recommendations
1 analysts · consensus BuyBuy1
Hold0
Sell0
12-month price target
80,00
Consensus of sell-side coverage.
At a glance
Score
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not yet scored
Valuation
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valuation pending
Analysts→
Buy
1 analysts · indicative
Ownership
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not yet wired
Profitability
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not yet wired
Quality
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not yet scored
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
— missing data
News & coverage
0Sector rotation
Sector1D1Mvs mkt
Materials+2,3 %+6,6 %+1,7 %
Communication Services+2,2 %−5,5 %+1,6 %
Energy+0,6 %+3,3 %+0,0 %
Health Care+0,6 %−0,8 %+0,0 %
Information Technology+0,6 %+6,7 %+0,0 %
Consumer Discretionary+0,4 %+7,6 %−0,2 %
Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
Consumer Staples−0,4 %+2,5 %−1,0 %
Real Estate−0,7 %+10,9 %−1,3 %
Industrials−1,9 %−3,1 %−2,5 %
Utilities−1,9 %+28,2 %−2,5 %
Developing storylines
No tracked sagas currently linked to LINV.L. Browse all sagas →
Analysis
AI analysis
Generated · analysis pipeline · tier hybrid · as of 2026-08-04
↑ At a glance
Opportunity
— missing data
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
— missing data
Signals & dispatch
peak dispatch · —
Composite-score breakdown
Synthesis
Business
Lendinvest PLC (LINV.L) is a financial services company operating in the consumer lending industry within the Banking & Investment Services sector. The firm is headquartered in the United Kingdom and is primarily listed on the London Stock Exchange. Specific details regarding its operating segments and geographic revenue mix are not provided in the available data.
Classification92 %
SectorFinancials
Business sectorBanking & Investment Services
IndustryConsumer Lending
ActivityBanking
AI synthesis
GENERATED— missing data
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.
Bull / Bear case
Generated · model-assistedBULL CASE · 5
Revenue grew 9.5% year-over-year to £93.1 million, demonstrating top-line expansion despite recent profitability challenges.
Analysts project 226.5% upside to a consensus target price of £80.0, signaling strong market confidence.
Net income improved 92.0% year-over-year to a loss of £1.6 million, indicating a significant recovery trajectory.
Free cash flow turned positive at £0.7 million, reversing the previous year's substantial cash outflow.
Equity grew 8.6% year-over-year to £64.4 million, reflecting a strengthening capital base over five years.
BEAR CASE · 4
The company reported a net loss of £1.6 million in FY2025, continuing its unprofitable status from the prior year.
Operating income remained negative at -£1.7 million in FY2025, highlighting persistent core operational losses.
Gross profit fell to £38.0 million in FY2025, down from £49.4 million in FY2023, indicating margin pressure.
Long-term debt increased to £730.5 million in FY2025, rising from £516.9 million the previous year.
In focus — financials by report
Annual
ANNUALFiled 2025-07-21
FY 2025 · Full-year highlights
Revenue £93.1M, +9,5% YoY; Operating income +92,7% YoY.
Revenue£93.1M+9,5 % YoY
Operating income-£1.7M+92,7 % YoY
Net income-£1.6M+92,0 % YoY
Free cash flow£700.0k+102,9 % YoY
EPS—
Operating cash flow-£196.5M−787,1 % YoY
Financials
Income statement
Revenue£93.1M
Gross profit£38.0M
Operating income-£1.7M
Net income-£1.6M
Margins
Gross margin40.8%
Operating margin-1.8%
Net margin-1.7%
FCF margin0.8%
Balance sheet
Total assets£830.5M
Total liabilities£766.1M
Total equity£64.4M
Cash & equivalents£64.4M
Long-term debt£730.5M
Cash flow
Operating cash flow-£196.5M
CapEx-£2.2M
Free cash flow£700.0k
SBC—
P&L flow · revenue → net income
Highlights
- ▍Revenue £93.1M, +9,5% YoY
- ▍Operating income +92,7% YoY
- ▍Net income +92,0% YoY
- ▍Free cash flow +102,9% YoY
- ▍Net margin -1.7%
ANNUALFiled 2024-07-24
FY 2024 · Full-year highlights
Revenue £85.0M, −1,7% YoY; Operating income −353,3% YoY.
Revenue£85.0M−1,7 % YoY
Operating income-£23.3M−353,3 % YoY
Net income-£20.1M−276,3 % YoY
Free cash flow-£23.8M−23 900,0 % YoY
EPS—
Operating cash flow£28.6M+114,8 % YoY
Financials
Income statement
Revenue£85.0M
Gross profit£27.4M
Operating income-£23.3M
Net income-£20.1M
Margins
Gross margin32.2%
Operating margin-27.4%
Net margin-23.6%
FCF margin-28.0%
Balance sheet
Total assets£601.6M
Total liabilities£542.3M
Total equity£59.3M
Cash & equivalents£53.2M
Long-term debt£516.9M
Cash flow
Operating cash flow£28.6M
CapEx-£3.2M
Free cash flow-£23.8M
SBC—
P&L flow · revenue → net income
Highlights
- ▍Revenue £85.0M, −1,7% YoY
- ▍Operating income −353,3% YoY
- ▍Net income −276,3% YoY
- ▍Free cash flow −23 900,0% YoY
- ▍Net margin -23.6%
ANNUALFiled 2023-07-18
FY 2023 · Full-year highlights
Revenue £86.5M, −1,5% YoY; Operating income −31,3% YoY.
Revenue£86.5M−1,5 % YoY
Operating income£9.2M−31,3 % YoY
Net income£11.4M+4,6 % YoY
Free cash flow£100.0k−99,1 % YoY
EPS—
Operating cash flow-£192.7M−32,8 % YoY
Financials
Income statement
Revenue£86.5M
Gross profit£49.4M
Operating income£9.2M
Net income£11.4M
Margins
Gross margin57.1%
Operating margin10.6%
Net margin13.2%
FCF margin0.1%
Balance sheet
Total assets£1.26B
Total liabilities£1.19B
Total equity£76.5M
Cash & equivalents£40.4M
Long-term debt£1.16B
Cash flow
Operating cash flow-£192.7M
CapEx-£6.3M
Free cash flow£100.0k
SBC—
P&L flow · revenue → net income
Highlights
- ▍Revenue £86.5M, −1,5% YoY
- ▍Operating income −31,3% YoY
- ▍Net income +4,6% YoY
- ▍Free cash flow −99,1% YoY
- ▍Net margin 13.2%
ANNUALFiled 2022-06-29
FY 2022 · Full-year highlights
Revenue £87.8M, +21,3% YoY; Operating income +88,7% YoY.
Revenue£87.8M+21,3 % YoY
Operating income£13.4M+88,7 % YoY
Net income£10.9M+186,8 % YoY
Free cash flow£11.1M+131,5 % YoY
EPS—
Operating cash flow-£145.1M+32,9 % YoY
Financials
Income statement
Revenue£87.8M
Gross profit£49.7M
Operating income£13.4M
Net income£10.9M
Margins
Gross margin56.6%
Operating margin15.3%
Net margin12.4%
FCF margin12.6%
Balance sheet
Total assets£1.38B
Total liabilities£1.28B
Total equity£97.5M
Cash & equivalents£99.3M
Long-term debt£1.22B
Cash flow
Operating cash flow-£145.1M
CapEx-£3.4M
Free cash flow£11.1M
SBC—
P&L flow · revenue → net income
Highlights
- ▍Revenue £87.8M, +21,3% YoY
- ▍Operating income +88,7% YoY
- ▍Net income +186,8% YoY
- ▍Free cash flow +131,5% YoY
- ▍Net margin 12.4%
ANNUALFiled 2021-07-27
FY 2021 · Full-year highlights
Revenue £72.4M; Operating income £7.1M.
Revenue£72.4M
Operating income£7.1M
Net income£3.8M
Free cash flow£4.8M
EPS—
Operating cash flow-£216.1M
Financials
Income statement
Revenue£72.4M
Gross profit£37.6M
Operating income£7.1M
Net income£3.8M
Margins
Gross margin51.9%
Operating margin9.8%
Net margin5.2%
FCF margin6.6%
Balance sheet
Total assets£1.14B
Total liabilities£1.09B
Total equity£49.9M
Cash & equivalents£57.3M
Long-term debt£1.05B
Cash flow
Operating cash flow-£216.1M
CapEx-£2.4M
Free cash flow£4.8M
SBC—
P&L flow · revenue → net income
Highlights
- ▍Revenue £72.4M
- ▍Operating income £7.1M
- ▍Net margin 5.2%
Valuation FY
Market price
$24,50
Market cap
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Enterprise valueⓘ
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P/Eⓘ
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Non-GAAP P/Eⓘ
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EV / Revenueⓘ
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P / Tangible bookⓘ
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Current ratioⓘ
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Debt / equityⓘ
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ROAⓘ
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ROEⓘ
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Cash conversionⓘ
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CapEx / revenueⓘ
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SBC / revenueⓘ
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Dilution ratioⓘ
0.0%
Revenue by segment
Business relationships
— missing data
Supply chain
— missing data
Peer comparison
— missing data
Market position
Stress test
— missing data
Predictor forecast
Next quarternear-term
Earnings · next quarterconf 45 %
EPS
Consensus EPS
0,02
Predicted surprise
+0,00
Beat probability
45 %
Analysts
1
Other metrics
Revenue
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no estimate
Segment revenue
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no estimate
Margin
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no estimate
Segment margin
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no estimate
as of 2026-05-13 · Earnings Surprise V1
Period note: consensus is not fiscal-period-aligned at source — read as consensus vs the last reported actual, not a calibrated same-quarter surprise.
Full fiscal year~1 year ahead
Full fiscal year · our forecast vs guidance vs consensus
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 0,02 |
| Revenue | —no estimate | —no estimate | 44,9M GBP |
| Operating income | —no estimate | —no estimate | 2,9M GBP |
Full-year consensus mean (period as reported by source) · consensus in GBP. Company-level full-year forecast and management guidance are not yet modelled at scale — shown as "no estimate", never inferred.
Probabilistic model output — not investment advice. · generated 2026-08-04
Options
— missing data
Short squeeze
— missing data
Earnings-call key lines
— missing data
Consensus distribution
sell-side coverageRecommendation distribution1 analysts
Strong buy1
Buy0
Hold0
Sell0
Strong sell0
12-month price target$80,00 · Median $80,00
Low $80,00High $80,00
Operating income · consensus2,9M GBP
EPS surprise
−173,4 %
reported vs consensus · miss
Revenue surprise
−14,1 %
reported vs consensus · miss
Estimate revisions
consensus EPS · 26-week trend— missing data
Sell-side observations
Low$80,00
Mean$80,00
Median$80,00
High$80,00
Spot$24,50
+226.5 %implied to mean12-month sell-side price targets · ▲ spot
Themes
— missing data
ESG
— missing data
Risk factors
Dilution riskLow
Liquidity riskUnknown
Benchmarks vs cohort
No cohort benchmark data available for this issuer yet.
Corporate actions / M&A
— missing data
FX exposure
— missing data
Comparable transactions
— missing data
Derivatives & instruments
— missing data
Actions
Ask Handelsavisen
— missing data
Data sources
- Market data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
How metrics are computed
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
Source documents
- Lendinvest PLC Market data — financials · 2026-05-28
- Lendinvest PLC Market data — analyst estimates · 2026-05-28
Ownership & reference
Insider activity
— missing data
Short positioning
— missing data
Geographic breakdown
— missing data
Listings · one canonical issuer
all listings resolve to the canonical
LINV.LCanonical
London Stock Exchange · USD
Intel & risk
peak dispatch · —
OSINT findings
Dilution riskLow
Liquidity riskUnknown
Evidence & claims
From filings & derived data— missing data
The Thread
Everything we know, in order2026-06-30 03:38 UTCEARNINGSUpcomingForecast: earnings_forecast (90d)
2025-07-21 10:13 UTCEARNINGSAnnual results — FY 2025 Revenue GBP 93.1M · Net GBP -1.6M
2024-07-24 07:05 UTCEARNINGSAnnual results — FY 2024 Revenue GBP 85.0M · Net GBP -20.1M
2023-07-18 07:00 UTCEARNINGSAnnual results — FY 2023 Revenue GBP 86.5M · Net GBP 11.4M
2022-06-29 07:00 UTCEARNINGSAnnual results — FY 2022 Revenue GBP 87.8M · Net GBP 10.9M
2021-07-27 11:55 UTCEARNINGSAnnual results — FY 2021 Revenue GBP 72.4M · Net GBP 3.8M
The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04
Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data
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