LendInvestLSE:LINV 44 Quick Ratio is 16.86 as of Sep. 2025, which is 28% below its 10-year median of 23.50. 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 47 Banks companies, LendInvest ranks better than 57.45% on this metric.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. It is calculated as a company's Total Current Assets excludes Total Inventories divides by its Total Current Liabilities. LendInvest's quick ratio for the quarter that ended in Sep. 2025 was 16.86.
LendInvest has a quick ratio of 16.86. It generally indicates good short-term financial strength.
The historical rank and industry rank for LendInvest's Quick Ratio or its related term are showing as below:
LSE:LINV'
s Quick Ratio Range Over the Past 10 Years
Min: 14.32 Med: 23.5 Max: 49.56
Current: 16.86
During the past 7 years, LendInvest's highest Quick Ratio was 49.56. The lowest was 14.32. And the median was 23.50.
LSE:LINV's Quick Ratio is ranked better than 57.45% of 47
companies
in the Banks industry
Industry Median: 4.82
vs LSE:LINV: 16.86
LendInvest (LSE:LINV) Quick Ratio Explanation
The quick ratio is more conservative than the Current Ratio because it excludes inventories from current assets. The ratio derives its name presumably from the fact that assets such as cash and marketable securities are quick sources of cash. Inventories generally take time to be converted into cash, and if they have to be sold quickly, the company may have to accept a lower price than book value of these inventories. As a result, they are justifiably excluded from assets that are ready sources of immediate cash.
In general, low or decreasing quick ratios generally suggest that a company is over-leveraged, struggling to maintain or grow sales, paying bills too quickly or collecting receivables too slowly. On the other hand, a high or increasing quick ratio generally indicates that a company is experiencing solid top-line growth, quickly converting receivables into cash, and easily able to cover its financial obligations. Such companies often have faster inventory turnover and cash conversion cycles.
The higher the quick ratio, the better the company's liquidity position.
LendInvest Quick Ratio Related Terms
LendInvest Quick Ratio Historical Data
* Premium members only.
The historical data trend for LendInvest's Quick Ratio 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: Quick Ratio Comparison
For the Mortgage Finance subindustry, LendInvest's Quick Ratio, along with its competitors' market caps and Quick Ratio 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 Quick Ratio vs Banks Industry
For the Banks industry and Financial Services sector, LendInvest's Quick Ratio distribution charts can be found below:
* The bar in red indicates where LendInvest's Quick Ratio falls into.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. For this reason, the ratio excludes inventories from current assets.
LendInvest's Quick Ratio 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 Quick Ratio of 16.86 as of Sep. 2025. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on LendInvest and its competitors. This is 28% below median its historical median of 23.50. Over the past decade, LendInvest's Quick Ratio has ranged from 14.32 to 49.56. According to the industry distribution chart, LendInvest ranks #20 out of 47 companies in the Banks industry, placing it in the top 42.6%.
Is LendInvest's Quick Ratio too high?
LendInvest's current Quick Ratio of 16.86 is 28% below median its 10-year median of 23.50. Over the past 10 years, this metric has ranged from a low of 14.32 to a high of 49.56. The Banks industry median Quick Ratio is 4.82. LendInvest's value of 16.86 is 249.8% above this industry median. Based on the distribution chart, LendInvest ranks #20 out of 47 companies in the Banks industry, which is above the industry midpoint. 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 Quick Ratio compare to RKT and FNMA?
According to the Banks industry distribution chart, LendInvest ranks #20 out of 47 companies for Quick Ratio. This puts LendInvest in the upper half of its industry. The industry median Quick Ratio is 4.82. LendInvest's value of 16.86 is 249.8% above this benchmark. Historically, LendInvest's own Quick Ratio has ranged from 14.32 to 49.56 over the past decade. While the company's 10-year median is 23.50 vs. the industry median of 4.82, 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 Quick Ratio for a Banks company?
The median Quick Ratio among Banks companies is 4.82, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a Quick Ratio significantly above this median, while those in the bottom quartile fall well below. However, Quick Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. LendInvest's current Quick Ratio of 16.86 is 249.8% 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 Quick Ratio mean?
A high Quick Ratio can signal that a stock is expensive relative to its fundamentals. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on LendInvest and its competitors. For the Banks industry, the median Quick Ratio is 4.82 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LendInvest's current Quick Ratio is 16.86, which is 28% below median its own 10-year median of 23.50. 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 Quick Ratio is 16.86, which is 28% below median its 10-year median of 23.50 and 249.8% above the Banks industry median of 4.82. 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 Quick Ratio calculated?
Quick Ratio is calculated from a company's financial statements. For LendInvest (LSE:LINV), the current Quick Ratio is 16.86 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:
Quick Ratio: 16.86 (28% below median its 10-year median of 23.50)
GF Value™: £0.37 vs. price of £0.25 (33.8% below fair value)
Industry Position: 249.8% above the Banks median (#20 of 47)
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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