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Sancus Lending Group Ltd (LEND) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Sancus Lending Group Ltd stock £0.01, price £0.01, that is 9.2% below the price, quality 22 out of 100. Rating: overvalued. Calculated from audited financials with 5 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services GB · ISIN GB00B0CL3P62

SL Sancus Lending Group Ltd logo Thin data Nov 7, 2026

Sancus Lending Group Ltd

LEND · LSE
Expensive, weak quality

Our calculation puts a fair price 9% below what the stock costs today.

Revenue last quarter +29% vs. a year ago.
Mixed Growth (revenue 5y +27.8 %/yr in GBP)
Loss over the last twelve months · -73.4% net margin (TTM) · fiscal year 2025 4.5%
Negative equity (buybacks among others)
Fair value £0.0059 · Overvalued
Quality 22/100
Trails peers (2/8)
Narrow moat 14/100 · thin data
Thin data
⚠ Dilution
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

£0.0320 £0.0018 Fair Value £0.0059 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.

How to read this chart

60‑month range £0.0018 – £0.0320 · fair‑value band £0.0054 – £0.0063 · the £0.0065 price screens above the £0.0059 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.

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Company profile

Sancus Lending Group Limited, together with its subsidiaries, operates as an alternative finance provider in the United Kingdom, Ireland, and Channel Islands. The company offers short-term funding for property development and bridging.

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It also provides asset backed funding services to private clients, high net worth individuals, institutions, and trusts and family offices. The company was formerly known as GLI Finance Limited and changed its name to Sancus Lending Group Limited in May 2021.

Sancus Lending Group Limited was incorporated in 2005 and is based in Saint Peter Port, Guernsey.

Stock analysis

Sancus Lending Group Ltd (LEND) currently trades at £0.0065, while our model-based Fair Value estimate is £0.0059, 9% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the DCF Models group reads highest at a median of £0.0400 per share, and 4 of the 4 models we run sit above the £0.0065 price.

Bear case: the Multiples group reads lowest at £0.0100, and 0 of the 4 models stay below the price. Data coverage for this calculation is low.

Scenario range: £0.0054 (bear) to £0.0063 (bull), the price of £0.0065 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 22/100 (below-average quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Sancus Lending Group Ltd reported revenue of £21.1M in FY2025 versus £2.6M in FY2021, a compound +68.4%/yr. Reported net income was £950K in FY2025.

Key figures

Market cap £8.9M Micro · P/S ratio 0.39 · EPS (TTM) £−0.0100 · Net margin 4.5% · Return on equity −1,089% · Return on assets (EBIT) −2.0% (5-year average) · Operating margin −30.8% · Revenue (TTM) £22.7M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 14 out of 100 (low confidence).

What moves the price

The share trades about 63% below its 52-week high and 63% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −3% fair-value upside, at −9%, LEND screens richer than that median.

Fair Value models

Bear £0.0054 Fair Value £0.0059 Bull £0.0063
Price £0.0065 · Downside -9.2%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Owner Earnings n/a £0.0400 >£0.1600 71
Residual Income n/a n/a £0.0100 64
P/E Multiple £0.0100 £0.0100 £0.0100 63
All 5 models by family
DCF Models
Owner Earnings n/a £0.0400 >£0.1600 71
Earnings-Based
Graham-Dodd £0.0100 £0.0400 £0.0600 61
Lynch FV £0.0200 £0.0300 £0.0400 59
Multiples
P/E Multiple £0.0100 £0.0100 £0.0100 63
Economic Profit
Residual Income n/a n/a £0.0100 64

The fair value above starts from this blend and is adjusted for dilution from new shares.

Open the full fair value analysis →

Quality Score breakdown

Overall quality 22/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 34
How much profit the company makes from its sales and capital
Quality Growth 49
Are margins and returns getting better?
Cashflow 0
Do the profits arrive as real cash?
Financial strength 5
Debt, balance sheet and risk of trouble
Investment 67
Does it invest with discipline instead of growing at any price?
Low Volatility 0
How calm the share price moves, does not count
Price momentum 33
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 51
Distance to the 52-week high, does not count
New shares 0
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 47/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+35.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+28.3%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+27.8%
Start year 2020 (pandemic). Over 10 years: +14.4% a year
Revenue growth 20 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+18.6%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−122.0% (2020) → 63.5% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: no profitable base year
not computed

LEND screens overvalued: fair value 9% below the price. Compare with Visa Inc →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 283 stocks

Beats the industry median on 2/8 measures
Overall it trails its industry peers.
Valuation
Quality Score 22 · Bottom 25%
Fair Value upside −9.2% · Below median
Profitability
Return on equity (12 months) Negative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
Return on assets 0.5% · Bottom 25%
Net margin (12 months) −73.4% · Bottom 25%
Operating margin (12 months) −30.8% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 29.1% · Above median
Balance sheet
Debt / equity Negative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.

Valuation Multiplesvs Credit Services median · lower = cheaper

P/B Negative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
P/S (12 months) 0.39× · Cheapest 25%
EV/EBITDA 13.2× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)21 · sector 59
FUTURE (revenue growth)100 · sector 57
PAST (return on equity)0 · sector 39
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 64

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Credit Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Synchrony Financial, SYF $73.74 $141.92 +92% vs LEND
PayPal Holdings PYPL $59.24 $107.45 +81% vs LEND
Shriram Finance Limited SHRIRAMFIN ₹961.15 ₹1,309 +36% vs LEND
Affirm Holdings AFRM $68.11 $74.92 +10% vs LEND
Bajaj Finance Limited BAJFINANCE ₹1,088 ₹1,055 −3% vs LEND
American Express Company AXP $320.99 $210.02 −35% vs LEND
Visa Inc V $422.65 $242.87 −43% vs LEND
Mastercard Incorporated MA $652.70 $360.13 −45% vs LEND
Capital One Financial Corporation COF $201.87 $106.81 −47% vs LEND
SoFi Technologies, Inc SOFI $16.21 $5.51 −66% vs LEND

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Sancus Lending Group Ltd: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Sancus Lending Group Ltd Fair Value". https://www.fairvalue-calculator.com/stock/LEND

Frequently asked questions

Is Sancus Lending Group Ltd (LEND) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of £0.0059 versus a price of £0.0065, about 9% lower (overvalued).
What is the fair value of LEND?
Our model-based fair value for Sancus Lending Group Ltd is £0.0059 (as of Nov 7, 2026), built from audited fundamentals. The current price: £0.0065.
What is the quality score of LEND?
Sancus Lending Group Ltd has a Quality Score of 22/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Sancus Lending Group Ltd (LEND)?
Our model-based price target is the fair value of £0.0059 (as of Nov 7, 2026) from 5 valuation models. Cautious scenario £0.0054, optimistic scenario £0.0063. It is a calculation from audited fundamentals, not an analyst target.
What is the Sancus Lending Group Ltd stock forecast for 2026?
Our models put fair value at £0.0059, about 9% lower versus a price of £0.0065 (overvalued). Cautious scenario £0.0054, optimistic scenario £0.0063. The calculation is refreshed regularly with new filings.
What is the revenue of Sancus Lending Group Ltd (LEND)?
Sancus Lending Group Ltd reported trailing-twelve-month revenue of about £22.7M (latest available figure, as of Nov 7, 2026).
What is the intrinsic value of Sancus Lending Group Ltd (LEND)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Sancus Lending Group Ltd it is £0.0059 per share (as of Nov 7, 2026), against a price of £0.0065. It is the blended result of 5 valuation models in 4 families (DCF Models, Earnings-Based, Multiples, Economic Profit).
Is Sancus Lending Group Ltd stock overvalued or undervalued in 2026?
As of Nov 7, 2026, LEND trades above its calculated fair value: price £0.0065, fair value £0.0059, a gap of about −9% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of LEND?
No. The price is what the market pays today (£0.0065); the fair value is what the company's own numbers justify (£0.0059). For Sancus Lending Group Ltd the two are £0.0006 per share apart. That gap is exactly why we show both numbers side by side.
How much is Sancus Lending Group Ltd worth?
The market values Sancus Lending Group Ltd at about £8.9M (market capitalisation, as of Nov 7, 2026). Per share that is £0.0065; our models calculate a fair value of £0.0059 per share.
What do the bullish and bearish scenarios say about LEND?
Our models span a range for Sancus Lending Group Ltd: cautious scenario £0.0054, base £0.0059, optimistic £0.0063 per share (as of Nov 7, 2026, price £0.0065). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Sancus Lending Group Ltd (LEND)?
Balance-sheet figures for Sancus Lending Group Ltd (as of Nov 7, 2026): negative equity, so no return on equity and no debt-to-equity ratio. They feed the Quality Score of 22/100, which measures business quality independently of the share price.
How far is LEND from its 52-week high?
Sancus Lending Group Ltd trades at £0.0065, about 63% below its 52-week high of £0.0175 and 63% above the low of £0.0040 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of £0.0059 is for.
Which stocks are comparable to Sancus Lending Group Ltd?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Sancus Lending Group Ltd stock attractive at the current price?
The data as of Nov 7, 2026: price £0.0065, calculated fair value £0.0059 (−9%), Quality Score 22/100, from 5 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of LEND calculated?
We run Sancus Lending Group Ltd through 5 models from 4 families: DCF Models, Earnings-Based, Multiples, Economic Profit. Every model gets the same audited fundamentals; the fair value of £0.0059 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Sancus Lending Group Ltd itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Sancus Lending Group Ltd (LEND)?
The closing price on Nov 6, 2026 was £0.0065. Our model-based fair value is £0.0059, about 9% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Sancus Lending Group Ltd right now?
The price sits above even our optimistic bull case (£0.0063). The favourable scenario is already priced in. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Sancus Lending Group Ltd

How large is the market capitalisation of Sancus Lending Group Ltd (LEND)?
The market capitalisation of Sancus Lending Group Ltd is £8.9M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Sancus Lending Group Ltd (LEND)?
The price-to-sales ratio of Sancus Lending Group Ltd is 0.39 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Sancus Lending Group Ltd (LEND)?
Earnings per share at Sancus Lending Group Ltd are £−0.0100. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Sancus Lending Group Ltd (LEND)?
The net margin of Sancus Lending Group Ltd is 4.5% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Sancus Lending Group Ltd (LEND)?
The return on equity (ROE) of Sancus Lending Group Ltd is −1,089% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Sancus Lending Group Ltd (LEND)?
On an EBIT basis the return on assets of Sancus Lending Group Ltd is −2.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Sancus Lending Group Ltd (LEND)?
The operating margin of Sancus Lending Group Ltd is −30.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Sancus Lending Group Ltd (LEND)?
Revenue at Sancus Lending Group Ltd is growing +29.1% versus a year earlier (3y avg +28.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Sancus Lending Group Ltd (LEND)?
Earnings per share at Sancus Lending Group Ltd are growing +8.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Sancus Lending Group Ltd (LEND) generate?
The free cash flow of Sancus Lending Group Ltd is −£67.8M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Sancus Lending Group Ltd (LEND) carry?
The net debt of Sancus Lending Group Ltd is £184M (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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