Both stocks run through our valuation models. Here is how Lendinvest (LINV) and Fmcct (FMCCT) compare, as of Aug 10, 2026.
As of Aug 10, 2026, Fair Value Calculator sees Fmcct as the more attractively valued of the two: Lendinvest trades at £0.29 versus a fair value of £0.25 (-12%), while Fmcct trades at $15.25 versus $27.80 (+82%).
Lendinvest
LINV.LSE · GBP · Financials
-12%
upside to fair value
overvalued
Price£0.29
Fair Value£0.25
Quality34/100
Fmcct
FMCCT · USD · Financials
+82%
upside to fair value
undervalued
Price$15.25
Fair Value$27.80
Quality53/100
Head-to-head numbers
Green value = the better side for that row (for valuation multiples: lower = cheaper).
LendinvestFmcct
Valuation
13.5×P/E (TTM)242.6×
1.06×P/S (TTM)—
0.71×P/B—
80.9×EV/EBITDA—
Profitability
2%Net margin50%
5%Operating margin69%
2%Return on equity17%
0%Return on assets0%
Growth
24%Revenue growth (YoY)16%
-20.7%Avg. growth/yr (3Y)92.6%
-11.4%Avg. growth/yr (5Y)43.0%
Balance & size
10.00×Debt / equity47.84×
$52MMarket cap$59B
weakGrowth qualitymixed
Fmcct leads: 3 to 6 metric wins.
Dash = not meaningfully computable, for example with negative equity.
Quality in detail
The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.
Lendinvestof which business quality 32 · market factors 48Fmcctof which business quality 49 · market factors 15
ProfitabilityMargins and returns on capital today
17
36
Quality GrowthAre margins and returns improving?
34
29
CashflowEarnings quality: real cash, not paper profit
InvestmentDisciplined investing over empire-building
94
62
Low VolatilityCalm price path (market factor)
92
27
MomentumPrice trend over the last 3–12 months (market factor)
34
15
52W MomentumDistance to the 52-week high (market factor)
23
3
Net IssuanceBuybacks instead of dilution
65
82
What the models say
The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.
Lendinvest
Earnings-Based£0.25
Dividend Discount£0.30
Multiples£0.25
Asset-Based£0.34
Economic Profit£0.33
3 of 7 models see the stock below the current price.
Fmcct
Earnings-Based$137
Multiples$36.95
Asset-Based$14.64
Economic Profit$29.54
1 of 6 models see the stock below the current price.
Scenario ranges
From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.
Lendinvest
Bear £0.16Fair Value £0.25Bull £0.33
£0.29 = current price (white tick)
Fmcct
Bear $20.85Fair Value $27.80Bull $34.75
$15.25 = current price (white tick)
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Ranked within their sector
Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.
Lendinvest · Financials
Quality score34 · bottom 25%
Fair value upside-12% · below median
Fmcct · Financials
Quality score53 · below median
Fair value upside+82% · Top 25%
Bottom line
As of Aug 10, 2026, Fair Value Calculator sees Fmcct as the more attractively valued of the two: Lendinvest trades at £0.29 versus a fair value of £0.25 (-12%), while Fmcct trades at $15.25 versus $27.80 (+82%).
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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.
