LendInvestLSE:LINV 44 Days Payable is 175.48 as of Sep. 2025, which is 33% below its 10-year median of 262.74. GuruFocus rates LSE:LINV with a GF Score™ of 44/100 and a GF Value™ of £0.37 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 33 Banks companies, LendInvest ranks better than 90.91% on this metric.
LendInvest's average Accounts Payable for the
six
months ended in Sep. 2025 was £25.00 Mil. LendInvest's Cost of Goods Sold for the
six
months ended in Sep. 2025 was £26.00 Mil.
Hence, LendInvest's Days Payable for the
six
months ended in Sep. 2025 was 175.48.
The historical rank and industry rank for LendInvest's Days Payable or its related term are showing as below:
LSE:LINV'
s Days Payable Range Over the Past 10 Years
Min: 120.9 Med: 262.74 Max: 345.93
Current: 246.49
During the past 7 years, LendInvest's highest Days Payable was 345.93. The lowest was 120.90. And the median was 262.74.
LSE:LINV's Days Payable is ranked better than 90.91% of 33
companies
in the Banks industry
Industry Median: 32.94
vs LSE:LINV: 246.49
LendInvest's Days Payable
increased
from Sep. 2024 (137.33) to Sep. 2025 (175.48).
It may suggest that LendInvestdelayed paying its suppliers.
LendInvest Days Payable Related Terms
LendInvest Days Payable Historical Data
* Premium members only.
The historical data trend for LendInvest's Days Payable can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
LSE:LINV vs RKT, FNMA, PFSI: Days Payable Comparison
For the Mortgage Finance subindustry, LendInvest's Days Payable, along with its competitors' market caps and Days Payable data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
LendInvest Days Payable vs Banks Industry
For the Banks industry and Financial Services sector, LendInvest's Days Payable distribution charts can be found below:
* The bar in red indicates where LendInvest's Days Payable falls into.
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
LendInvest's Days Payable for the fiscal year that ended in Mar. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
LendInvest (LSE:LINV) has a Days Payable of 175.48 as of Sep. 2025. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on LendInvest and its competitors. This is 33% below median its historical median of 262.74. Over the past decade, LendInvest's Days Payable has ranged from 120.90 to 345.93. According to the industry distribution chart, LendInvest ranks #3 out of 33 companies in the Banks industry, placing it in the top 9.1%.
Is LendInvest's Days Payable too high?
LendInvest's current Days Payable of 175.48 is 33% below median its 10-year median of 262.74. Over the past 10 years, this metric has ranged from a low of 120.90 to a high of 345.93. The Banks industry median Days Payable is 32.94. LendInvest's value of 175.48 is 432.7% above this industry median. Based on the distribution chart, LendInvest ranks #3 out of 33 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, LendInvest has a GF Score™ of 44/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does LendInvest's Days Payable compare to RKT and FNMA?
According to the Banks industry distribution chart, LendInvest ranks #3 out of 33 companies for Days Payable. This places LendInvest in the top 9% of its industry — outperforming the majority of peers. The industry median Days Payable is 32.94. LendInvest's value of 175.48 is 432.7% above this benchmark. Historically, LendInvest's own Days Payable has ranged from 120.90 to 345.93 over the past decade. While the company's 10-year median is 262.74 vs. the industry median of 32.94, LendInvest has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Days Payable for a Banks company?
The median Days Payable among Banks companies is 32.94, based on 33 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. LendInvest's current Days Payable of 175.48 is 432.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on LendInvest and its competitors. For the Banks industry, the median Days Payable is 32.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LendInvest's current Days Payable is 175.48, which is 33% below median its own 10-year median of 262.74. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is LendInvest stock overvalued right now?
Based on GuruFocus' analysis, LendInvest (LSE:LINV) is currently considered Possible Value Trap. The stock's GF Value™ is £0.37, compared to a current price of £0.25 — trading 33.8% below its estimated fair value. The current Days Payable is 175.48, which is 33% below median its 10-year median of 262.74 and 432.7% above the Banks industry median of 32.94. LendInvest's overall GF Score™ is 44/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Days Payable calculated?
Days Payable is calculated from a company's financial statements. For LendInvest (LSE:LINV), the current Days Payable is 175.48 as of Sep. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is LendInvest (LSE:LINV) Overvalued in 2026?
Based on GuruFocus' analysis, LendInvest stock appears to be undervalued.
The current stock price of £0.25 is trading 33.8% below its estimated GF Value™ of £0.37.
GuruFocus considers LendInvest to be Possible Value Trap.
Key valuation signals for LSE:LINV:
Days Payable: 175.48 (33% below median its 10-year median of 262.74)
GF Value™: £0.37 vs. price of £0.25 (33.8% below fair value)
Industry Position: 432.7% above the Banks median (#3 of 33)
No single metric tells the full story. See the LSE:LINV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
LendInvest PLC is a platform for property finance. It offers short-term, development, and buy-to-let mortgages to intermediaries, landlords and developers across the UK.
44GF Score
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