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LINV.L$24.50+0.00%
Fair $24.50+0.0%

LINV.L

LendInvest plc

Financial Services / Mortgage FinanceLSEGB

$24.50

+0.00 (+0.00%)

Fairly Valued+0.0%Fair Value $24.50Fund rank 17/100 · Data gapFallback financials|
SA 15/F
F-Score: 3/9
High DebtLow Profitability

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 16.0/100

Data gap 17/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 13/100Data 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

15/100

F

Piotroski

3/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

16/100

SEC 0%

Latest source: unknownPeriods: 4Warnings: 2unknown: 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. Debt-to-Equity ratio is 11.34, above the 2.0 threshold ROE is -2.5%, below the 5% threshold
Thesis & Journal · LINV.LLocal privado en este navegador · LendInvest plc
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

$35M

P/E

24.5x

↑

EV/EBITDA

212.1x

↑

ROE

-2.5%

↓

Gross Margin

56.2%

↓

Debt/Equity

11.34

↑
52-Week Range$25
$24$46

TradingView lightweight chart

LINV.L price, volumen y niveles de valoración

Último $24.50Periodo -87.6%
Fair value: $24.50

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2022–2025 · 3 años de histórico normalizado

Revenue CAGR

+2.9%

FCF CAGR

—

FCF margin

-224.3%

FCF / Net income

124.19x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $88.6M · net income $-1.6M · FCF $-198.7M

2022-FY → 2025-FY

Gross margin

56.2%+3.3% pts

Operating margin

15.3%+1.7% pts

Net margin

-1.8%-15.2% pts

FCF margin

-224.3%-38.9% pts
MetricTTM
2025
2024
2023
2022
Income Statement
Revenue$88.6M$88.6M$80.7M$80.0M$81.3M
Net Income$-1.6M$-1.6M$-23.9M$11.4M$10.9M
EBITDA$19.5M$19.5M$-17.0M$27.6M$14.7M
EPS-0.01-0.01-0.148.008.04
Gross Margin56.2%56.2%41.3%66.1%52.9%
Operating Margin15.3%15.3%-11.2%23.3%13.7%
Net Margin-1.8%-1.8%-29.6%14.2%13.4%
Balance Sheet
Debt/Equity11.3411.349.3115.2011.79
Current Ratio869.73869.73———
Cash Flow
Free Cash Flow$-198.7M$-198.7M$25.4M$-199.2M$-150.7M
Returns
ROE-2.5%-2.5%-43.1%14.9%10.6%
Valuation
P/E24.5024.50—11.2524.75
EV/EBITDA212.09212.09—503.8393.83
P/B53.8853.8863.61167.112.52
Growth & Yield
Revenue Growth9.8%9.8%0.9%-1.6%—
EPS Growth91.7%91.7%-101.8%-0.5%—

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 -32.9%

Total return

-32.9%

Start / end P/E

n/dx → n/dx

EPS bridge

-0.14 → -0.01

Residual

-32.9%

EPS growthn/d
Multiple reratingn/d
Dividend+0.0%
Residual / FX / buybacks / cross-term-32.9%

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.