ScoreWhy is LendInvest Plc ?
1
Weak Long Term Fundamental Strength with an average Return on Equity (ROE) of 8.91%
- Poor long term growth as Operating profit has grown by an annual rate of 29.44%
2
Poor long term growth as Operating profit has grown by an annual rate of 29.44%
3
The company has declared Positive results for the last 3 consecutive quarters
- INTEREST COVERAGE RATIO(Q) Highest at 121.02
- ROCE(HY) Highest at 3.36%
- NET SALES(Q) Highest at GBP 54.7 MM
4
With ROE of -12.45%, it has a attractive valuation with a 0.48 Price to Book Value
- Over the past year, while the stock has generated a return of -25.97%, its profits have risen by 110.4%
5
Underperformed the market in the last 1 year
- Even though the market (FTSE 100) has generated returns of 16.06% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -25.97% returns
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to LendInvest Plc should be less than 10%
- Overall Portfolio exposure to Finance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is LendInvest Plc for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
LendInvest Plc
-25.97%
-0.08
22.59%
FTSE 100
16.06%
1.36
11.82%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
10.97%
EBIT Growth (5y)
29.44%
EBIT to Interest (avg)
5.76
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
28.13%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
307.01%
ROE (avg)
8.91%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
Price to Book Value
0.48
EV to EBIT
-0.90
EV to EBITDA
-0.84
EV to Capital Employed
4.02
EV to Sales
-0.50
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
-446.40%
ROE (Latest)
-12.45%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bullish
RSI
Bullish
No Signal
Bollinger Bands
Mildly Bullish
Bearish
Moving Averages
Bearish (Daily)
KST
Bullish
Bearish
Dow Theory
Bearish
No Trend
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend21What is working for the Company
INTEREST COVERAGE RATIO(Q)
Highest at 121.02
ROCE(HY)
Highest at 3.36%
NET SALES(Q)
Highest at GBP 54.7 MM
PRE-TAX PROFIT(Q)
Highest at GBP 2.1 MM
NET PROFIT(Q)
Highest at GBP 1.47 MM
RAW MATERIAL COST(Y)
Fallen by 1.11% (YoY
EPS(Q)
Highest at GBP 0.01
-4What is not working for the Company
INTEREST(HY)
At GBP 29.5 MM has Grown at 27.16%
DEBT-EQUITY RATIO
(HY)
Highest at 1,253.38 %
Here's what is working for LendInvest Plc
Interest Coverage Ratio
Highest at 121.02 and Grown
In each period in the last five periodsMOJO Watch
The company's ability to manage interest payments is improving
Operating Profit to Interest
Net Profit
At GBP 1.47 MM has Grown at 267.5%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (GBP MM)
Net Sales
Highest at GBP 54.7 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (GBP MM)
Pre-Tax Profit
Highest at GBP 2.1 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (GBP MM)
Pre-Tax Profit
At GBP 2.1 MM has Grown at 133.33%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (GBP MM)
Net Profit
Highest at GBP 1.47 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (GBP MM)
Pre-Tax Profit
Highest at GBP 2.1 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (GBP MM)
EPS
Highest at GBP 0.01
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (GBP)
Raw Material Cost
Fallen by 1.11% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Here's what is not working for LendInvest Plc
Interest
At GBP 29.5 MM has Grown at 27.16%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (GBP MM)
Debt-Equity Ratio
Highest at 1,253.38 % and Grown
In each half year in the last five Semi-Annual periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
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