StockAnalyzer

Financial Analysis

DashboardSectorsComparablesScreenerUniverseMicrocapsAI 2nd OrderTheme MapEnergy & MaterialsMacroWatchlistCompareMi CarteraPortfolio

Recent

v0.1
LEND.L$1.20+0.00%
Fair $1.20+0.0%

LEND.L

Sancus Lending Group Limited

Financial Services / Credit ServicesLSE

$1.20

+0.00 (+0.00%)

Fairly Valued+0.0%Fair Value $1.20Fund rank 33/100 · Data gapFallback financials|
SA 42/C
F-Score: 2/9

Book/ROE base 3Y

n/d

n/d CAGR · P/B n/d

Book/ROE base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 100% · confianza 20%

Book/ROE escenarios

weak_data · book/share n/d · quality 0.0/100

Data gap 33/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 41/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

42/100

C

Piotroski

2/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

16/100

SEC 0%

Latest source: unknownPeriods: 4Warnings: 0unknown: 4
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); financial Book/ROE targets are disabled until manually verified.
Thesis & Journal · LEND.LLocal privado en este navegador · Sancus Lending Group Limited
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$13M

P/E

N/A

•

EV/EBITDA

289.9x

↑

ROE

N/A

•

Gross Margin

33.4%

↓

Debt/Equity

-52.32

↓
52-Week Range$1
$0$2

TradingView lightweight chart

LEND.L price, volumen y niveles de valoración

Último $1.200Periodo -98.8%
Fair value: $1.200

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2021–2024 · 3 años de histórico normalizado

Revenue CAGR

+23.0%

FCF CAGR

—

FCF margin

-107.2%

FCF / Net income

—

Latest source

Provider fallback

Margin decomposition

Último año: revenue $16.8M · net income — · FCF $-18.0M

2021-FY → 2024-FY

Gross margin

33.4%+5.9% pts

Operating margin

0.1%+112.5% pts

Net margin

—— pts

FCF margin

-107.2%-13.2% pts
MetricTTM
2024
2023
2022
2021
Income Statement
Revenue$16.8M$16.8M$12.3M$10.0M$9.0M
Net Income——$-9.1M$-14.1M$-10.3M
EBITDA$2.8M$2.8M$-5.8M$-4.4M$-9.8M
EPS——-0.02-0.03-0.02
Gross Margin33.4%33.4%35.5%23.8%27.5%
Operating Margin0.1%0.1%-56.4%-47.2%-112.4%
Net Margin——-74.2%-140.8%-114.6%
Balance Sheet
Debt/Equity-52.32-52.32-46.7611.453.42
Current Ratio25.6625.66———
Cash Flow
Free Cash Flow$-18.0M$-18.0M$-13.6M$-25.2M$-8.5M
Returns
ROE——462.2%-196.0%-54.1%
Valuation
EV/EBITDA289.92289.92———
P/B———91.4657.60
Growth & Yield
Revenue Growth36.3%36.3%23.2%10.7%—
EPS Growth——46.0%-33.8%—

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%
Reverse DCF requires positive EPS; loss-making or zero-EPS companies cannot produce a clean EPS hurdle.

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total +152.6%

Total return

+152.6%

Start / end P/E

n/dx → n/dx

EPS bridge

-0.02 → n/d

Residual

+152.6%

EPS growthn/d
Multiple reratingn/d
Dividend+0.0%
Residual / FX / buybacks / cross-term+152.6%

EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.