Lendinvest PLC
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 compan… Read more
Lendinvest PLC (LINV) - Net Assets
Latest net assets as of March 2025: GBX64.40 Million GBX
Based on the latest financial reports, Lendinvest PLC (LINV) has net assets worth GBX64.40 Million GBX as of March 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (GBX830.50 Million) and total liabilities (GBX766.10 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | GBX64.40 Million |
| % of Total Assets | 7.75% |
| Annual Growth Rate | 2.36% |
| 5-Year Change | 33.48% |
| 10-Year Change | 584.81% |
| Growth Volatility | 827.1 |
Lendinvest PLC - Net Assets Trend (2015–2025)
This chart illustrates how Lendinvest PLC's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Lendinvest PLC (2015–2025)
The table below shows the annual net assets of Lendinvest PLC from 2015 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-03-31 | GBX64.40 Million | +8.60% |
| 2024-03-31 | GBX59.30 Million | -22.48% |
| 2023-03-31 | GBX76.50 Million | -25.94% |
| 2022-03-31 | GBX103.30 Million | +114.11% |
| 2021-03-31 | GBX48.25 Million | +382.47% |
| 2020-03-31 | GBX10.00 Million | -51.49% |
| 2019-03-31 | GBX20.61 Million | -91.36% |
| 2018-03-31 | GBX238.46 Million | +2746.56% |
| 2017-03-31 | GBX8.38 Million | -10.92% |
| 2016-03-31 | GBX9.40 Million | -81.57% |
| 2015-03-31 | GBX51.02 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Lendinvest PLC's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 960.5% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (March 2025)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | GBX100.00K | 0.16% |
| Other Comprehensive Income | GBX18.60 Million | 28.88% |
| Other Components | GBX55.20 Million | 85.71% |
| Total Equity | GBX64.40 Million | 100.00% |
Lendinvest PLC Competitors by Market Cap
The table below lists competitors of Lendinvest PLC ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
S i2i Limited
STU:MZZ1
|
$6.47K |
|
Hub Power Company Ltd
KAR:HUBC
|
$6.47K |
|
GENEL ENERGY
BE:4VL
|
$6.48K |
|
Tap Resources Inc
PINK:TAPP
|
$6.48K |
|
VIKRAN ENGINEERING LTD
NSE:VIKRAN
|
$6.46K |
|
UCCP
STU:UCCP
|
$6.45K |
|
CHINA NAT BLDG-H
MU:D1Y
|
$6.45K |
|
KSB Pumps Company Ltd
KAR:KSBP
|
$6.43K |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Lendinvest PLC's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 59,300,000 to 64,400,000, a change of 5,100,000 (8.6%).
- Net loss of 1,600,000 reduced equity.
- Other comprehensive income increased equity by 8,400,000.
- Other factors decreased equity by 1,700,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | GBX-1.60 Million | -2.48% |
| Other Comprehensive Income | GBX8.40 Million | +13.04% |
| Other Changes | GBX-1.70 Million | -2.64% |
| Total Change | GBX- | 8.60% |
Book Value vs Market Value Analysis
This analysis compares Lendinvest PLC's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 64.00x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
- The price-to-book ratio has decreased from 2272.03x to 64.00x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2015-03-31 | GBX0.01 | GBX29.50 | x |
| 2016-03-31 | GBX0.11 | GBX29.50 | x |
| 2017-03-31 | GBX0.10 | GBX29.50 | x |
| 2018-03-31 | GBX0.11 | GBX29.50 | x |
| 2019-03-31 | GBX0.15 | GBX29.50 | x |
| 2020-03-31 | GBX0.07 | GBX29.50 | x |
| 2021-03-31 | GBX0.35 | GBX29.50 | x |
| 2022-03-31 | GBX0.76 | GBX29.50 | x |
| 2023-03-31 | GBX0.54 | GBX29.50 | x |
| 2024-03-31 | GBX0.43 | GBX29.50 | x |
| 2025-03-31 | GBX0.46 | GBX29.50 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Lendinvest PLC utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): -2.48%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: -1.81%
- • Asset Turnover: 0.11x
- • Equity Multiplier: 12.90x
- Recent ROE (-2.48%) is below the historical average (23.36%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2015 | 253.89% | 38.75% | 0.14x | 46.76x | GBX2.69 Million |
| 2016 | 21.21% | 11.23% | 0.15x | 12.38x | GBX1.05 Million |
| 2017 | -12.65% | -6.69% | 0.14x | 13.48x | GBX-1.90 Million |
| 2018 | 16.68% | 4.90% | 0.14x | 24.48x | GBX660.70K |
| 2019 | 2.99% | 1.32% | 0.11x | 21.46x | GBX-1.45 Million |
| 2020 | -22.08% | -3.37% | 0.07x | 90.82x | GBX-3.21 Million |
| 2021 | 7.88% | 4.80% | 0.07x | 23.79x | GBX-1.02 Million |
| 2022 | 10.55% | 12.44% | 0.06x | 13.32x | GBX570.00K |
| 2023 | 14.90% | 13.15% | 0.07x | 16.51x | GBX3.75 Million |
| 2024 | -33.90% | -23.62% | 0.14x | 10.15x | GBX-26.03 Million |
| 2025 | -2.48% | -1.81% | 0.11x | 12.90x | GBX-8.04 Million |
Industry Comparison
This section compares Lendinvest PLC's net assets metrics with peer companies in the Mortgage Finance industry.
Industry Context
- Industry: Mortgage Finance
- Average net assets among peers: $555,116,000
- Average return on equity (ROE) among peers: 21.80%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Lendinvest PLC (LINV) | GBX64.40 Million | 253.89% | 11.90x | $6.46K |
| Mortgage Advice (MAB1) | $37.45 Million | 33.06% | 0.84x | $52.78K |
| OneSavings Bank PLC (OSB) | $658.40 Million | 21.31% | 14.89x | $255.21K |
| Paragon Banking Group PLC (PAG) | $969.50 Million | 11.05% | 11.25x | $189.39K |