Sancus Lending Group Ltd (LEND) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Sancus Lending Group Ltd £0.01, price £0.01, upside +1.7%, quality 28 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range £0.0018 – £0.0320 · fair‑value band £0.0084 – £0.0109 · the £0.0083 price screens below the £0.0084 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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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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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. 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 £0.0083, while our model-based Fair Value estimate is £0.0084, implying the stock looks roughly 1.7% fairly valued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of £0.0300 per share, and 5 of the 5 models we run sit above the £0.0083 price.
Bear case: the Multiples group reads lowest at £0.0100, and 0 of the 5 models stay below the price. Evidence for this calculation is low.
Scenario range: £0.0084 (bear) to £0.0109 (bull), the price of £0.0083 sits below 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 28/100 (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 12.4M GBX · P/S ratio 0.61 · Net margin 4.5% · Return on equity −1,089% · Return on assets (EBIT) −2.0% · Operating margin −5.5% · Revenue (TTM) £20.2M · Revenue growth (YoY) +42.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades about 53% below its 52-week high and 106% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at 2%, LEND screens cheaper than that median.
Fair Value models
Bear £0.0084Fair Value £0.0084Bull £0.0109
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.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.Evidence ⓘEvidence = 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.
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%
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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
Compare Sancus Lending Group Ltd with another stock
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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 · 331 stocks
Beats the industry median on 2/10 measures
Overall it trails its industry peers.
Valuation
Quality Score29 · Bottom 25%
Fair Value upside+2% · Below median
Profitability
Return on assets1% · Below median
Net margin (TTM)5% · Bottom 25%
Operating margin (TTM)−5% · Bottom 25%
Growth and dividend
Revenue growth43% · Top 25%
Balance sheet
Debt / equity161.70× · Highest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
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 Sep 23, 2026, our model estimates a fair value of £0.0084 versus a price of £0.0083, about +2% upside (fairly valued).
What is the fair value of LEND?
Our model-based fair value for Sancus Lending Group Ltd is £0.0084 (as of Sep 23, 2026), built from audited fundamentals. The current price: £0.0083.
What is the quality score of LEND?
Sancus Lending Group Ltd has a Quality Score of 28/100. 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 £0.0084 (as of Sep 23, 2026) from 5 valuation models. Cautious scenario £0.0084, optimistic scenario £0.0109. 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 £0.0084, about +2% upside versus a price of £0.0083 (fairly valued). Cautious scenario £0.0084, optimistic scenario £0.0109. 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 £20.2M (latest available figure, as of Sep 23, 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 £0.0084 per share (as of Sep 23, 2026), against a price of £0.0083. It is the blended result of 5 valuation models (cash flow, earnings, asset, dividend).
Is Sancus Lending Group Ltd stock overvalued or undervalued in 2026?
As of Sep 23, 2026, LEND trades below its calculated fair value: price £0.0083, fair value £0.0084, a gap of about +2% (fairly valued). 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 (£0.0083); the fair value is what the company's own numbers justify (£0.0084). For Sancus Lending Group Ltd the two are £0.0001 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 12.4M GBX (market capitalisation, as of Sep 23, 2026). Per share that is £0.0083; our models calculate a fair value of £0.0084 per share.
What do the bullish and bearish scenarios say about LEND?
Our models span a range for Sancus Lending Group Ltd: cautious scenario £0.0084, base £0.0084, optimistic £0.0109 per share (as of Sep 23, 2026, price £0.0083). The range comes from different growth and margin assumptions, not from analyst opinions.
How far is LEND from its 52-week high?
Sancus Lending Group Ltd trades at £0.0083, about 53% below its 52-week high of £0.0175 and 106% above the low of £0.0040 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of £0.0084 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 Sep 23, 2026: price £0.0083, calculated fair value £0.0084 (+2%), Quality Score 28/100, 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 four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of £0.0084, 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 14.0 % above its aggregate fair value. Sancus Lending Group Ltd currently trades 2 % below its own fair value, and the market average says nothing about that. 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 Sep 24, 2026 was £0.0083. Our model-based fair value is £0.0084, about +2% upside (fairly valued). 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 close to our fair value, market and models broadly agree here, little valuation tension. 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 12.4M GBX. 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 0.61 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
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 −5.5% (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 +42.5% 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 GBX (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 GBX (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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