LendInvestLSE:LINV 44 Net Margin % is 1.82% as of Sep. 2025, which is 38% above its 10-year median of 1.32. 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 1,527 Banks companies, LendInvest ranks worse than 95.02% on this metric.
Net margin is calculated as Net Income divided by its Revenue. LendInvest's Net Income for the
six
months ended in Sep. 2025 was £0.90 Mil. LendInvest's Revenue for the
six
months ended in Sep. 2025 was £49.50 Mil. Therefore, LendInvest's net margin for the quarter that ended in Sep. 2025 was 1.82%.
The historical rank and industry rank for LendInvest's Net Margin % or its related term are showing as below:
LSE:LINV'
s Net Margin % Range Over the Past 10 Years
Min: -29.62 Med: 1.32 Max: 14.25
Current: 1.25
LSE:LINV's Net Margin % is ranked worse than 95.02% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs LSE:LINV: 1.25
LendInvest (LSE:LINV) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
LendInvest Net Margin % Related Terms
LendInvest Net Margin % Historical Data
* Premium members only.
The historical data trend for LendInvest's Net Margin % 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: Net Margin % Comparison
For the Mortgage Finance subindustry, LendInvest's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, LendInvest's Net Margin % distribution charts can be found below:
* The bar in red indicates where LendInvest's Net Margin % falls into.
* 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 Net Margin % of 1.82% as of Sep. 2025. Net margin is the ratio of total net income to net sales. View historical data on LendInvest and its competitors. This is 38% above median its historical median of 1.32. According to the industry distribution chart, LendInvest ranks #1451 out of 1527 companies in the Banks industry, placing it in the top 95%.
Is LendInvest's Net Margin % too high?
LendInvest's current Net Margin % of 1.82% is 38% above median its 10-year median of 1.32. The Banks industry median Net Margin % is 26.95. LendInvest's value of 1.82% is 93.2% below this industry median. Based on the distribution chart, LendInvest ranks #1451 out of 1527 companies in the Banks industry, which is in the bottom quartile 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 Net Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, LendInvest ranks #1451 out of 1527 companies for Net Margin %. This places LendInvest in the lower half of its industry. The industry median Net Margin % is 26.95. LendInvest's value of 1.82% is 93.2% below this benchmark. While the company's 10-year median is 1.32 vs. the industry median of 26.95, LendInvest has consistently been below 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. LendInvest's current Net Margin % of 1.82% is 93.2% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on LendInvest and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LendInvest's current Net Margin % is 1.82%, which is 38% above median its own 10-year median of 1.32. 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 Net Margin % is 1.82%, which is 38% above median its 10-year median of 1.32 and 93.2% below the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For LendInvest (LSE:LINV), the current Net Margin % is 1.82% 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:
Net Margin %: 1.82% (38% above median its 10-year median of 1.32)
GF Value™: £0.37 vs. price of £0.25 (33.8% below fair value)
Industry Position: 93.2% below the Banks median (#1451 of 1527)
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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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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