LendInvest plc (LINV) Fair Value & Analysis
Financial Services · GB · Market cap 38.2M GBX
Fair value as of: Jul 17, 2026
From 7 valuation models · updated 24 days ago
Fair value updated Jul 17, 2026, revised from £0.4900 to £0.2500 (−49.0%) since Jun 26, 2026. Share price +26.5% over the past month.
Below-average quality, and screening another 12% overvalued on our models.
What matters now
- A fairly wide model range (£0.1600 to £0.3300) leaves room in how you read the outcome.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 17, 2026.
How to read this chart
60‑month range £0.2115 – £1.87 · fair‑value band £0.1600 – £0.3300 · the £0.2850 price screens above the £0.2500 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 17, 2026.
Analysis
LendInvest plc (LINV) currently trades at £0.2850, while our model-based Fair Value estimate is £0.2500, implying the stock looks roughly 12.3% overvalued today. The Quality Score stands at 31/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, LendInvest plc generated revenue of £48.6M at a net margin of 2.5%. Revenue grew 24.2% year over year. It earns a return on equity of 1.9%. Net debt stands at £909M. Fundamentals as of Jul 17, 2026
Our scenario range runs from £0.1600 (bear case) to £0.3300 (bull case); at £0.2850, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. For context, the median of 10 Financial Services peers we cover trades at -25% fair-value upside, at -12%, LINV screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 7 models by family
Widest divergence: Asset-Based (£0.3400) versus Multiples (£0.2100). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 17, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 32 · Market factors (momentum, volatility) 48
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
LendInvest plc operates as an asset management platform for property finance in the United Kingdom. It operates through LendInvest Mortgages and LendInvest Capital segments.
Full company description
LendInvest plc operates as an asset management platform for property finance in the United Kingdom. It operates through LendInvest Mortgages and LendInvest Capital segments. The company offers mortgages to buy-to-let landlords, property investors, landlords, homeowners, and developers, as well as various short-term mortgages; structured finance primarily to property developers and property companies; and bridging loans and houses the fund and self-select platform.It also provides funds, secure bonds, capital markets, co-investment, and syndication for institutional investors; self-select platform and secured bonds for individual investors; and development and structured finance for borrowers. In addition, the company offers fund management services; and holds securities. LendInvest plc was incorporated in 2012 and is based in London, the United Kingdom.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
LendInvest plc reported revenue of £43.2M in FY2026 versus £87.6M in FY2022, a compound −16.2%/yr. Reported net income was £2.3M in FY2026, compounding −32.2%/yr from FY2022.
LINV screens 12% overvalued. Compare with Federal Home Loan Mortgage Corporation →
Peer Group
Mortgage Finance · 90 stocks
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.
Valuation Multiples vs Mortgage Finance median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 30/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Mortgage Finance stocks, each showing price versus our Fair Value estimate (as of Jul 17, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Federal Home Loan Mortgage Corporation FMCCT | $13.90 | $27.80 | +100% |
| Rocket Companies, Inc RKT | $14.60 | $10.95 | -25% |
| Federal National Mortgage Association FNMAS | $9.55 | $1.93 | -80% |
| Bajaj Housing Finance Limited BAJAJHFL | ₹91.33 | ₹61.48 | -33% |
| PennyMac Financial Services, Inc PFSI | $82.35 | $125.45 | +52% |
| UWM Holdings UWMC | $2.02 | $0.2200 | -89% |
| LIC Housing Finance Limited LICHSGFIN | ₹505.00 | ₹1,010 | +100% |
| PNB Housing Finance Limited PNBHOUSING | ₹1,150 | ₹762.89 | -34% |
| Aadhar Housing Finance Limited AADHARHFC | ₹496.70 | ₹501.16 | +1% |
| Walker & Dunlop, Inc WD | $48.20 | $32.55 | -32% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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