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Lendinvest PLC (LINV) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of Lendinvest PLC £0.25, price £0.29, upside -12.3%, quality 31 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
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Financial Services · GB · ISIN GB00BMC2XX17

LP Thin data Sep 24, 2026

Lendinvest PLC

LINV · LSE

Weak valuationQuality is weak on top of the rich price.

!Fair value £0.2500 · Overvalued (−12%)
!Quality 31/100
!Weak Growth (revenue 5y −11.4 %/yr)
!Thin margins · 2.5% net margin (TTM)
!High debt · negative free cash flow
!Mixed vs. peers (5/12)
!Narrow moat 22/100
!Insider activity 30/100
!Evidence only low, so the estimate is less certain
!Weak on valuation: 17 out of 100
!Weak on past: 7 out of 100
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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

£2.03 £0.2300 Fair Value £0.2500 Jul 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

60‑month range £0.2300 – £2.03 · fair‑value band £0.1600 – £0.2600 · 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 Sep 24, 2026.

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Company profile

LendInvest plc operates as an asset management platform for property finance in the United Kingdom. It operates through LendInvest Mortgages and LendInvest Capital segments.

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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.

Stock analysis

Lendinvest PLC (LINV) currently trades at £0.2850, while our model-based Fair Value estimate is £0.2500, implying the stock looks roughly 14.0% overvalued today.

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Valuation

Bull case: the Asset-Based group reads highest at a median of £0.3400 per share, and 2 of the 5 models we run sit above the £0.2850 price.

Bear case: the Multiples group reads lowest at £0.2100, and 3 of the 5 models stay below the price. Evidence for this calculation is low.

Scenario range: £0.1600 (bear) to £0.2600 (bull), the price of £0.2850 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 31/100 (below-average quality), in the Financial Services sector.

Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.

Lendinvest PLC reported revenue of 43.2M GBX in FY2026 versus 87.6M GBX in FY2022, a compound −16.2%/yr. Reported net income was 2.3M GBX in FY2026, compounding −32.2%/yr from FY2022.

Key figures

Market cap 41.0M GBX · P/E ratio 14.3 · P/S ratio 0.76 · EPS (TTM) £0.0200 · Net margin 5.3% · Return on equity 1.9% · Return on assets (EBIT) 2.8% · Operating margin 5.2%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 28 out of 100 (low confidence).

What moves the price

The share trades about 27% below its 52-week high and 16% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at 17% fair-value upside, at −12%, LINV screens richer than that median.

Fair Value models

Bear £0.1600 Fair Value £0.2500 Bull £0.2600
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. Based on fiscal year 2026 figures (about 6 months old). Earnings retained since then (£0.0098 per share) are deliberately not added. 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.
Highest evidence
Residual Income £0.3300 £0.3100 £0.2300 71
Graham-Dodd £0.1100 £0.2500 £0.3300 65
P/E Multiple £0.1600 £0.2100 £0.2600 63
All 5 models by family
Earnings-Based
Graham-Dodd £0.1100 £0.2500 £0.3300 65
Multiples
P/E Multiple £0.1600 £0.2100 £0.2600 63
P/B Multiple £0.2100 £0.2800 £0.3500 55
Asset-Based
NCAV (Graham) £0.2600 £0.3400 £0.5100 54
Economic Profit
Residual Income £0.3300 £0.3100 £0.2300 71

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Quality Score breakdown

Overall quality 31/100

Of which business quality 32 · Market factors (momentum, volatility) 49

Profitability 17
Margins and returns on capital today
Quality Growth 34
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 24
Balance sheet, leverage, solvency risk
Investment 94
Disciplined investing over empire-building
Low Volatility 92
Calm price path (market factor)
Momentum 40
Price trend over the last 3–12 months (market factor)
52W Momentum 16
Distance to the 52-week high (market factor)
Net Issuance 65
Share count: buybacks or dilution?

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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. 14/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−51.2%
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.
−20.7%
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.
−11.4%
Start year 2021 (pandemic). Over 10 years: +9.3% a year
Revenue growth 11 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.
+17.6%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−21.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year−21.6%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−22% vs −6%, slowing
Profit margin 2021 to 2026 ⓘ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.12% → 8%
Start year 2021 (pandemic)

LINV screens 14% overvalued. Compare with Federal Home Loan Mortgage Corporation →

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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.Mortgage Finance · 92 stocks

Beats the industry median on 5/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 34 · Bottom 25%
Fair Value upside −12% · Above median
Profitability
Return on equity (TTM) 2% · Below median
Return on assets 0% · Bottom 25%
Net margin (TTM) 2% · Bottom 25%
Operating margin (TTM) 5% · Bottom 25%
Growth and dividend
Revenue growth 24% · Above median
Balance sheet
Debt / equity 10.00× · Highest 25%

Valuation Multiplesvs Mortgage Finance median · lower = cheaper

P/E (TTM) 14.3× · Cheaper than median
P/B 0.75× · Cheaper than median
P/S (TTM) 1.12× · Cheaper than median
EV/EBITDA 81.2× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)17 · sector 0
FUTURE (revenue growth)100 · sector 100
PAST (return on equity)7 · sector 43
HEALTH (low debt)0 · sector 25
DIVIDEND (yield)0 · sector 100

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 Mortgage Finance stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Federal Home Loan Mortgage Corporation FMCCT $12.00 $24.00 +100%
Rocket Companies, Inc RKT $12.74 $3.23 −75%
Federal National Mortgage Association FNMAS $8.25 $2.01 −76%
Bajaj Housing Finance Limited BAJAJHFL ₹83.52 ₹24.32 −71%
PennyMac Financial Services, Inc PFSI $66.96 $125.45 +87%
UWM Holdings UWMC $1.26 $0.2100 −83%
LIC Housing Finance Limited LICHSGFIN ₹572.50 ₹1,145 +100%
PNB Housing Finance Limited PNBHOUSING ₹1,139 ₹1,330 +17%
Aadhar Housing Finance Limited AADHARHFC ₹454.55 ₹584.64 +29%
Walker & Dunlop, Inc WD $38.32 $32.25 −16%

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Lendinvest PLC · Fair Value
£0.2500 −14%Fair Value
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Cite: Fair Value Calculator (2026). "Lendinvest PLC Fair Value". https://www.fairvalue-calculator.com/stock/LINV

Frequently asked questions

Is Lendinvest PLC (LINV) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of £0.2500 versus a price of £0.2850, about −12% upside (overvalued).
What is the fair value of LINV?
Our model-based fair value for Lendinvest PLC is £0.2500 (as of Sep 24, 2026), built from audited fundamentals. The current price: £0.2850.
What is the quality score of LINV?
Lendinvest PLC has a Quality Score of 31/100. 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 Lendinvest PLC (LINV)?
Our model-based price target is the fair value of £0.2500 (as of Sep 24, 2026) from 5 valuation models. Cautious scenario £0.1600, optimistic scenario £0.2600. It is a calculation from audited fundamentals, not an analyst target.
What is the Lendinvest PLC stock forecast for 2026?
Our models put fair value at £0.2500, about −12% upside versus a price of £0.2850 (overvalued). Cautious scenario £0.1600, optimistic scenario £0.2600. The calculation is refreshed regularly with new filings.
What is the revenue of Lendinvest PLC (LINV)?
Lendinvest PLC reported trailing-twelve-month revenue of about £48.6M (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of Lendinvest PLC (LINV)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Lendinvest PLC it is £0.2500 per share (as of Sep 24, 2026), against a price of £0.2850. It is the blended result of 5 valuation models (cash flow, earnings, asset, dividend).
Is Lendinvest PLC stock overvalued or undervalued in 2026?
As of Sep 24, 2026, LINV trades above its calculated fair value: price £0.2850, fair value £0.2500, a gap of about −12% (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 LINV?
No. The price is what the market pays today (£0.2850); the fair value is what the company's own numbers justify (£0.2500). For Lendinvest PLC the two are £0.0350 per share apart. That gap is exactly why we show both numbers side by side.
How much is Lendinvest PLC worth?
The market values Lendinvest PLC at about 41.0M GBX (market capitalisation, as of Sep 24, 2026). Per share that is £0.2850; our models calculate a fair value of £0.2500 per share.
What do the bullish and bearish scenarios say about LINV?
Our models span a range for Lendinvest PLC: cautious scenario £0.1600, base £0.2500, optimistic £0.2600 per share (as of Sep 24, 2026, price £0.2850). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of LINV?
Lendinvest PLC trades at a price-to-earnings ratio of 14.3 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of £0.2500 is built from several models across several years. Other multiples: P/B 0.8, P/S 1.1, EV/EBITDA 81.2.
How solid is the balance sheet of Lendinvest PLC (LINV)?
Balance-sheet figures for Lendinvest PLC (as of Sep 24, 2026): return on equity 1.9%, debt of 10.00 per unit of equity. They feed the Quality Score of 31/100, which measures business quality independently of the share price.
How far is LINV from its 52-week high?
Lendinvest PLC trades at £0.2850, about 27% below its 52-week high of £0.3900 and 16% above the low of £0.2450 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of £0.2500 is for.
Which stocks are comparable to Lendinvest PLC?
From the same area (Financial Services) we also value Federal Home Loan Mortgage Corporation, Rocket Companies, Inc, Federal National Mortgage Association, Bajaj Housing Finance Limited, 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 Lendinvest PLC stock attractive at the current price?
The data as of Sep 24, 2026: price £0.2850, calculated fair value £0.2500 (−12%), Quality Score 31/100, 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 LINV calculated?
We run Lendinvest PLC 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 £0.2500, 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 14.1 % above its aggregate fair value. Lendinvest PLC 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 Lendinvest PLC (LINV)?
The closing price on Sep 23, 2026 was £0.2850. Our model-based fair value is £0.2500, about −12% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Lendinvest PLC right now?
The price sits above even our optimistic bull case (£0.2600). 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 Lendinvest PLC

How large is the market capitalisation of Lendinvest PLC (LINV)?
The market capitalisation of Lendinvest PLC is 41.0M 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 Lendinvest PLC (LINV)?
The price-to-sales ratio of Lendinvest PLC is 0.76 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Lendinvest PLC (LINV)?
Earnings per share at Lendinvest PLC are £0.0200 (price ÷ EPS = P/E 14.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Lendinvest PLC (LINV)?
The net margin of Lendinvest PLC is 5.3% (fiscal year 2026). 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 Lendinvest PLC (LINV)?
The return on equity (ROE) of Lendinvest PLC is 1.9% (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 Lendinvest PLC (LINV)?
On an EBIT basis the return on assets of Lendinvest PLC is 2.8% (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 Lendinvest PLC (LINV)?
The operating margin of Lendinvest PLC is 5.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Lendinvest PLC (LINV)?
Revenue at Lendinvest PLC is growing +24.2% versus a year earlier (3y avg −20.7%). 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 Lendinvest PLC (LINV)?
Earnings per share at Lendinvest PLC are growing +37.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Lendinvest PLC (LINV) generate?
The free cash flow of Lendinvest PLC is −199M 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 Lendinvest PLC (LINV) carry?
The net debt of Lendinvest PLC is 909M GBX (fiscal year 2026). 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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