LendInvest PLC (LINV) AI Stock Analysis

• Market Cap: £39.99M
• Dividend Yield: 10.11%
• Average Volume (3M): 156.38K
• Price to Earnings (P/E): 17.6
• Beta (1Y): 0.15
• Revenue Growth: 13.95%
• EPS Growth: N/A
• Country: UK
• Employees: 192
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Mortgages
• EPS (TTM): 0.02
• Shares Outstanding: 142,782,030
• 10 Day Avg. Volume: 114,511
• 30 Day Avg. Volume: 156,384
• PEG Ratio: -0.07
• Price to Book (P/B): 0.53
• Price to Sales (P/S): 0.88
• P/FCF Ratio: -0.16
• 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
• EPS Forecast (FY): 0.04
• Revenue Forecast (FY): £52.00M

• Rating: 49 Neutral
• Price Target: 31.00 p ▲(0.00% Upside)
• Action: Reiterated
• Date: 08/06/26

Positive Factors

Return to Profitability

LendInvest's return to positive net income (~5% net margin in 2026) signals stabilization after prior losses. Sustained profitability improves ability to service high leverage, rebuild equity cushions, and increase credibility with institutional funding partners—strengthening resilience over the medium term if maintained.

Negative Factors

Very High Leverage

A highly geared capital structure (debt-to-equity ~13.6x in 2026 and historically higher) materially reduces financial flexibility. Elevated leverage increases sensitivity to funding spreads and refinancing risk, limits capacity to absorb credit losses, and constrains strategic options over the medium term without equity support or sustained cash generation.

LendInvest PLC Business Overview & Revenue Model

Company Description

LendInvest plc operates as a London-headquartered financial services firm, specializing in the management of property-related assets across the United Kingdom. The company's core business involves providing diverse real estate lending products, su...

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LendInvest plc operates as a London-headquartered financial services firm, specializing in the management of property-related assets across the United Kingdom. The company's core business involves providing diverse real estate lending products, su...

How the Company Makes Money

LendInvest makes money primarily by originating and managing property-backed loans and earning income tied to those loans and the capital used to fund them. Key revenue streams typically include: (1) Net interest income: earning interest on mortga...

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LendInvest makes money primarily by originating and managing property-backed loans and earning income tied to those loans and the capital used to fund them. Key revenue streams typically include: (1) Net interest income: earning interest on mortga...

LendInvest PLC Financial Statement Overview

Breakdown	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2022
Income Statement
Total Revenue	43.20M	88.60M	85.10M	70.00M	91.70M
Gross Profit	39.10M	49.80M	37.70M	64.90M	83.20M
EBITDA	7.30M	19.50M	-13.20M	27.00M	14.70M
Net Income	2.30M	-1.60M	-20.10M	11.40M	10.90M
Balance Sheet
Total Assets	1.08B	830.50M	601.60M	1.26B	1.38B
Cash, Cash Equivalents and Short-Term Investments	78.30M	64.40M	55.70M	46.70M	99.30M
Total Debt	987.00M	730.50M	516.90M	1.16B	1.22B
Total Liabilities	1.01B	766.10M	542.30M	1.19B	1.27B
Stockholders Equity	72.50M	64.40M	59.30M	76.50M	103.30M
Cash Flow
Free Cash Flow	-242.50M	-198.70M	25.40M	-199.20M	36.30M
Operating Cash Flow	-242.50M	-196.50M	28.60M	-192.70M	39.70M
Investing Cash Flow	-247.10M	3.80M	-16.90M	-24.90M	-191.00M
Financing Cash Flow	254.70M	205.20M	-2.70M	146.10M	207.30M

LendInvest PLC Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 31.00
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• STOCH: Positive

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 31 is above the 20-day moving average (MA) of 30.52, above the 50-day MA of 28.66, and above the 200-day MA of 30.02, indicating a bearish trend. The MACD of -0.04 indicates Positive momentum. The RSI at 23.64 is Positive, neither overbought nor oversold. The STOCH value of 0.40 is Positive, 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
OSB	76 Outperform	£1.74B	6.70	13.06%	6.96%	-5.67%	8.94%
POLN	73 Outperform	£499.40M	8.99	9.58%	6.86%	5.52%	18.92%
PAG	71 Outperform	£1.47B	8.90	11.98%	5.54%	-6.82%	-7.03%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FCH	58 Neutral	£655.39M	15.55	21.54%	―	37.60%	2766.67%
LINV	49 Neutral	£39.99M	17.59	3.17%	10.11%	13.95%	―
CBG	47 Neutral	£638.00M	-12.20	-2.03%	8.88%	-18.61%	48.41%