OTCPK:LFLS

Stock Analysis Report

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Executive Summary

Loans4Less.Com, Inc. operates as an online mortgage brokerage firm primarily in the United States. More Details


Snowflake Analysis

Weak fundamentals or lack of information.

Share Price & News

How has Loans4Less.Com's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: LFLS's share price has been volatile over the past 3 months.


Market Performance


7 Day Return

0%

LFLS

-2.5%

US Mortgage

-0.7%

US Market


1 Year Return

n/a

LFLS

-18.0%

US Mortgage

19.9%

US Market

Return vs Industry: Insufficient data to determine how LFLS performed against the US Mortgage industry.

Return vs Market: Insufficient data to determine how LFLS performed against the US Market.


Shareholder returns

LFLSIndustryMarket
7 Day0%-2.5%-0.7%
30 Day-27.2%3.6%5.8%
90 Dayn/a13.1%8.3%
1 Yearn/a-15.6%-18.0%22.7%19.9%
3 Year-78.3%-78.3%-3.5%-11.5%43.5%33.9%
5 Year-89.1%-89.1%18.8%2.8%86.9%65.8%

Price Volatility Vs. Market

How volatile is Loans4Less.Com's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Loans4Less.Com undervalued compared to its fair value and its price relative to the market?


In this section, we usually try to help investors determine whether Loans4Less.Com is trading at an attractive price based on the cash flow it is expected to produce in the future. But as Loans4Less.Com has not provided consistent financial data, and the stock also has no analyst forecast or coverage, its intrinsic value cannot be reliably calculated by extrapolating past data or using analyst consensus cash flow predictions.

This is quite a rare situation as 89% of companies covered by Simply Wall St do have a valuation analysis.


Next Steps

  • Take a look at our analysis of LFLS's management and see if the CEO's compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • When valuing a company like this, investors focus more on how they perceive the size of the opportunity, the company's ability to deliver and scale, and the strength of the team. While we are not analysing this type of data at the moment, if you don't know where to start, we recommend reading through Loans4Less.Com regulatory filings here.
  • Explore potentially undervalued companies in the Banks industry.

Future Growth

How is Loans4Less.Com forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

-12.6%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Loans4Less.Com has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

  • Take a look at our analysis of LFLS’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on theOTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Loans4Less.Com's filings and announcementshere.
  • Explore growth companies in the Banks industry.

Past Performance

How has Loans4Less.Com performed over the past 5 years?

17.3%

Historical Banks annual earnings growth


In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, Loans4Less.Com has not provided sufficient past data to assess its track record.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have historical data.


Next Steps

  • When a company lacks a financial track record, its management’s track record becomes important. Corporate governance also plays an important role in a young business as board members are seen as highly-experienced leaders to help steer the company into the future. Take a look at Loans4Less.Com's management and board experience and expertise to assess their ability to deliver on their strategic promises.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Loans4Less.Com's filings and announcements here.
  • Explore strong past performing companies in the Banks industry.

Financial Health

How is Loans4Less.Com's financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse Loans4Less.Com's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. Loans4Less.Com has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information.


Next Steps

  • Take a look at our analysis of LFLS’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website.
  • Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when Loans4Less.Com's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

What is Loans4Less.Com current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate LFLS's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate LFLS's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if LFLS's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if LFLS's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of LFLS's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

15.7yrs

Average board tenure


CEO

Loans4Less.Com has no CEO, or we have no data on them.


Board Members

NamePositionTenureCompensationOwnership
Steven Hershman
Chairman21.33yrsUS$110.00kno data
Daniela Haynie
Executive VP15.67yrsUS$50.48kno data
Marc Phelps
Director15yrsno datano data

15.7yrs

Average Tenure

57yo

Average Age

Experienced Board: LFLS's board of directors are seasoned and experienced ( 15.7 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Loans4Less.Com, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Loans4Less.Com, Inc.
  • Ticker: LFLS
  • Exchange: OTCPK
  • Founded: 1993
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: US$1.242m
  • Shares outstanding: 57.24m
  • Website: https://www.loans4less.com

Location

  • Loans4Less.Com, Inc.
  • 210 Avenue I
  • Suite F
  • Redondo Beach
  • California
  • 90277
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
LFLSOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJan 2008

Biography

Loans4Less.Com, Inc. operates as an online mortgage brokerage firm primarily in the United States. The company intends to develop into a national advertising platform for standard ‘A’ paper conforming resi ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/10/19 06:42
End of Day Share Price2020/10/09 00:00
Earnings2012/06/30
Annual Earnings2011/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.