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Sancus Lending Group
(LSE:LEND)
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Rating:46Neutral
Price Target:
0.91 p
▼(-30.23% Downside)
Action:Reiterated
Date:09/16/26
The score is primarily constrained by financial risk: extremely high leverage with minimal/negative equity and very weak recent operating/free cash flow despite reported profitability. Technicals also remain bearish with price below key moving averages and negative MACD, though oversold signals provide only limited support. Valuation is the main positive factor, with a low P/E indicating the stock is priced cheaply relative to earnings.
Positive Factors
Return to Profitability
Returning to profitability in both 2024 and 2025 marks a meaningful improvement from the losses reported in 2022–2023. If maintained, positive earnings can support capital retention and demonstrate that the lending model has regained operating viability, although consistency remains important.
Negative Factors
Extreme Leverage
Debt vastly exceeds the company’s equity base, leaving the balance sheet highly sensitive to funding conditions and asset-quality changes. Near-zero equity provides little loss-absorption capacity, while approximately 174x leverage can constrain strategic flexibility and magnify the impact of adverse lending outcomes.
Read all positive and negative factors
Positive Factors
Negative Factors
Return to Profitability
Returning to profitability in both 2024 and 2025 marks a meaningful improvement from the losses reported in 2022–2023. If maintained, positive earnings can support capital retention and demonstrate that the lending model has regained operating viability, although consistency remains important.
Read all positive factors
Sancus Lending Group (LEND) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£10.74M
Dividend Yield8.45%
Average Volume (3M)439.13K
Price to Earnings (P/E)5.8
Beta (1Y)-0.19
Revenue Growth37.16%
EPS Growth-1246.15%
CountryUK
Employees51
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)<0.01
Shares Outstanding1,085,860,000
10 Day Avg. Volume758,745
30 Day Avg. Volume439,132
Financial Highlights & Ratios
PEG Ratio0.04
Price to Book (P/B)2.18
Price to Sales (P/S)0.11
P/FCF Ratio-0.03
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)<0.01
Revenue Forecast (FY)£17.88M
Sancus Lending Group Business Overview & Revenue Model
Company Description
Sancus Lending Group Limited offers specialized alternative financial services, predominantly serving clients in the United Kingdom and Ireland. The company organizes its activities across four distinct divisions: Offshore, United Kingdom, Ireland...
Sancus Lending Group Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
18
Very Negative
Cash Flow
12
Very Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 21.10M | 15.61M | 4.58M | 9.99M | 2.62M |
| Gross Profit | 20.09M | 14.83M | 1.45M | 2.38M | 7.13M |
| EBITDA | 13.56M | 14.03M | -9.58M | -6.77M | -3.95M |
| Net Income | 950.00K | 559.00K | -9.13M | -14.06M | -10.34M |
Balance Sheet | |||||
| Total Assets | 195.00M | 122.12M | 106.41M | 101.55M | 96.96M |
| Cash, Cash Equivalents and Short-Term Investments | 3.16M | 2.53M | 4.99M | 4.13M | 12.44M |
| Total Debt | 187.09M | 121.60M | 106.37M | 82.11M | 76.00M |
| Total Liabilities | 193.93M | 124.18M | 108.39M | 94.38M | 77.86M |
| Stockholders Equity | 1.07M | -2.06M | -1.98M | 7.17M | 19.09M |
Cash Flow | |||||
| Free Cash Flow | -67.81M | -17.98M | -13.55M | -25.36M | -8.48M |
| Operating Cash Flow | -67.71M | -17.96M | -13.55M | -25.14M | -8.31M |
| Investing Cash Flow | -347.00K | -584.00K | 1.62M | -155.00K | 399.00K |
| Financing Cash Flow | 68.55M | 16.16M | 12.80M | 16.97M | 4.55M |
Sancus Lending Group Technical Analysis
Negative
1.30
Price Trends
1.13
Negative
1.18
Negative
0.97
Negative
Market Momentum
-0.06
Positive
23.66
Positive
26.00
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:LEND, the sentiment is Negative. The current price of 1.3 is above the 20-day moving average (MA) of 1.10, above the 50-day MA of 1.13, and above the 200-day MA of 0.97, indicating a bearish trend. The MACD of -0.06 indicates Positive momentum. The RSI at 23.66 is Positive, neither overbought nor oversold. The STOCH value of 26.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GB:LEND.
Sancus Lending Group Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | £49.58M | 8.01 | 24.15% | 0.43% | 19.95% | 146.39% | |
74 Outperform | £53.38M | 8.73 | 8.28% | 5.58% | 5.19% | 14.53% | |
74 Outperform | £117.91M | 6.40 | 13.97% | ― | 22.63% | 33.09% | |
69 Neutral | £12.81M | 3.93 | 14.71% | 3.31% | 63.15% | 212.72% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
61 Neutral | £541.08M | 8.87 | 26.71% | ― | 52.96% | 242.50% | |
46 Neutral | £10.74M | 5.78 | -246.75% | 8.45% | 37.16% | -1246.15% |
* Financial Sector Average
GB:LEND
Sancus Lending Group
0.93
0.48
105.56%
GB:TIME
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57.80
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GB:ORCH
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60.50
7.29
13.70%
GB:FCH
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184.60
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56.18%
GB:TRU
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91.50
17.39
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GB:DFCH
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71.50
18.50
34.91%
Sancus Lending Group Corporate Events
Business Operations and StrategyExecutive/Board ChangesDividendsFinancial DisclosuresPrivate Placements and Financing
Sancus boosts lending platform and funding but takes £17.4m loss on impairment and costs
Negative
Sep 15, 2026
Sancus Lending Group reported interim results showing strong top-line growth but continued losses for the six months to 30 June 2026. Group revenue rose 36% to £13.1m and assets under management increased 11% to £339.1m, driven by expans...
Business Operations and StrategyFinancial DisclosuresPrivate Placements and Financing
Sancus widens interim loss, writes down Channel Islands JV and secures £4m liquidity lifeline
Negative
Sep 1, 2026
Sancus Lending Group reported that challenging geopolitical and macroeconomic conditions pushed it to an estimated pre-tax operating loss of about £3.4 million for the first half of 2026, widening from the prior year despite a 36% rise in rev...
Business Operations and StrategyExecutive/Board ChangesFinancial DisclosuresPrivate Placements and Financing
Sancus Lending Group Names New CEO, Tightens Operations Amid Market Headwinds
Negative
Jul 10, 2026
Sancus Lending Group has appointed Andrew Charnley, previously managing director of its UK arm, as group chief executive with effect from 10 July 2026, succeeding Rory Mepham, who moves to a new role at majority shareholder Somerston Group. Charnl...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.