LendInvest plc

AIM:LINV Stock Report

Market Cap: UK£37.2m

LendInvest Valuation

Is LINV undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Sales vs Peers

  • Price-To-Sales vs Industry

  • Price-To-Sales vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of LINV when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: LINV (£0.27) is trading below our estimate of fair value (£1.46)

Significantly Below Fair Value: LINV is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for LINV?

Key metric: As LINV is unprofitable we use its Price-To-Sales Ratio for relative valuation analysis.

The above table shows the Price to Sales ratio for LINV. This is calculated by dividing LINV's market cap by their current revenue.
What is LINV's PS Ratio?
PS Ratio2x
SalesUK£18.60m
Market CapUK£37.18m

Price to Sales Ratio vs Peers

How does LINV's PS Ratio compare to its peers?

The above table shows the PS ratio for LINV vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PSEstimated GrowthMarket Cap
Peer Average4.3x
DVNO Develop North
13.5xn/aUK£19.5m
MAB1 Mortgage Advice Bureau (Holdings)
1.4x13.1%UK£347.7m
OSB OSB Group
1.8x-0.5%UK£1.5b
NBS Nationwide Building Society
0.3xn/aUK£1.2b
LINV LendInvest
2x22.8%UK£37.2m

Price-To-Sales vs Peers: LINV is good value based on its Price-To-Sales Ratio (2x) compared to the peer average (4.3x).

Price to Sales Ratio vs Industry

How does LINV's PS Ratio compare vs other companies in the GB Diversified Financial Industry?

2 CompaniesPrice / SalesEstimated GrowthMarket Cap
NBS Nationwide Building Society
0.3xn/aUS$1.51b
LEND Sancus Lending Group
0.2x15.1%US$3.23m
No more companies available in this PS range
LINV 2.0xIndustry Avg. 2.0xNo. of Companies8PS01.22.43.64.86+
2 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Sales vs Industry: LINV is expensive based on its Price-To-Sales Ratio (2x) compared to the UK Diversified Financial industry average (2x).

Price to Sales Ratio vs Fair Ratio

What is LINV's PS Ratio compared to its Fair PS Ratio? This is the expected PS Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

LINV PS Ratio vs Fair Ratio.
Fair Ratio
Current PS Ratio2x
Fair PS Ratio1.9x

Price-To-Sales vs Fair Ratio: LINV is expensive based on its Price-To-Sales Ratio (2x) compared to the estimated Fair Price-To-Sales Ratio (1.9x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst LINV forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUK£0.27
UK£0.39
+47.2%
28.2%UK£0.50UK£0.28n/a2
Nov ’25UK£0.26
UK£0.39
+50.0%
28.2%UK£0.50UK£0.28n/a2
Oct ’25UK£0.28
UK£0.39
+41.8%
28.2%UK£0.50UK£0.28n/a2
Sep ’25UK£0.30
UK£0.39
+30.0%
28.2%UK£0.50UK£0.28n/a2
Aug ’25UK£0.29
UK£1.26
+327.1%
97.9%UK£3.00UK£0.28n/a3
Jul ’25UK£0.28
UK£1.26
+342.1%
97.9%UK£3.00UK£0.28n/a3
Jun ’25UK£0.28
UK£1.26
+342.1%
97.9%UK£3.00UK£0.28n/a3
May ’25UK£0.28
UK£1.26
+358.2%
97.9%UK£3.00UK£0.28n/a3
Apr ’25UK£0.26
UK£1.26
+394.1%
97.9%UK£3.00UK£0.28n/a3
Mar ’25UK£0.27
UK£1.26
+366.7%
97.9%UK£3.00UK£0.28n/a3
Feb ’25UK£0.27
UK£1.67
+517.3%
61.6%UK£3.00UK£0.50n/a3
Jan ’25UK£0.27
UK£1.67
+517.3%
61.6%UK£3.00UK£0.50n/a3
Dec ’24UK£0.31
UK£1.83
+491.4%
46.4%UK£3.00UK£1.00n/a3
Nov ’24UK£0.30
UK£1.83
+505.1%
46.4%UK£3.00UK£1.00UK£0.263
Oct ’24UK£0.41
UK£1.83
+347.2%
46.4%UK£3.00UK£1.00UK£0.283
Sep ’24UK£0.47
UK£2.47
+419.3%
27.8%UK£3.00UK£1.50UK£0.303
Aug ’24UK£0.45
UK£2.47
+454.3%
27.8%UK£3.00UK£1.50UK£0.293
Jul ’24UK£0.69
UK£2.18
+218.2%
29.2%UK£3.00UK£1.50UK£0.285
Jun ’24UK£0.79
UK£2.18
+175.9%
29.2%UK£3.00UK£1.50UK£0.285
May ’24UK£0.81
UK£2.18
+169.1%
29.2%UK£3.00UK£1.50UK£0.285
Apr ’24UK£0.90
UK£2.20
+144.7%
28.2%UK£3.00UK£1.50UK£0.265
Mar ’24UK£0.91
UK£2.20
+143.3%
28.2%UK£3.00UK£1.50UK£0.275
Feb ’24UK£0.89
UK£2.20
+148.8%
28.2%UK£3.00UK£1.50UK£0.275
Jan ’24UK£0.82
UK£2.22
+170.7%
27.5%UK£3.00UK£1.50UK£0.275
Dec ’23UK£0.82
UK£2.22
+170.7%
27.5%UK£3.00UK£1.50UK£0.315
Nov ’23UK£0.85
UK£2.22
+159.6%
27.5%UK£3.00UK£1.50UK£0.305

Analyst Forecast: Target price is more than 20% higher than the current share price, but there are not enough analysts covering the stock to determine statistical confidence in agreement.

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