{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "98a1dec5-559b-4a33-8d4f-b413d4e3d70f",
    "symbol": "LINV",
    "name": "LendInvest plc",
    "exchange": "LSE",
    "country_code": "GB",
    "country_name": "United Kingdom",
    "sector": "Financial Services",
    "industry": "Mortgage Finance",
    "chart_url": "https://sharemaestro.com/terminal/98a1dec5-559b-4a33-8d4f-b413d4e3d70f/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "98a1dec5-559b-4a33-8d4f-b413d4e3d70f",
      "symbol": "LINV",
      "name": "LendInvest plc",
      "exchange": "LSE",
      "country_code": "GB",
      "country_name": "United Kingdom",
      "sector": "Financial Services",
      "industry": "Mortgage Finance",
      "chart_url": "https://sharemaestro.com/terminal/98a1dec5-559b-4a33-8d4f-b413d4e3d70f/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "LINV.L",
    "market_cap": 34696992.0,
    "market_cap_usd": 3469699310.0,
    "price": 24.5,
    "currency": "GBP",
    "dividend_yield": 0.18367347,
    "dividend_years": 2,
    "dividend_growth_5y": 0.0227273,
    "dividend_cut_5y": false,
    "payout_ratio": 0.0,
    "net_income": -1600000.0,
    "free_cash_flow": -198700000.0,
    "fcf_covers_dividend": false,
    "debt_to_equity": 11.85695,
    "revenue_growth_5y": 0.02907665,
    "net_margin": 0.02469,
    "roe": 0.01859,
    "pe_ratio": 24.500002,
    "price_vs_ma": -0.20376991,
    "return_3y": -0.65949986,
    "return_5y": -0.87581125,
    "max_drawdown": -0.89590193,
    "scores": {
      "dividend_reliability": 10.1,
      "dividend_sustainability": 7.0,
      "business_quality": 13.0,
      "valuation": 10.0,
      "trend": 0.0,
      "total": 40.1,
      "confidence": 92.0
    },
    "rating": "avoid",
    "rating_label": "Avoid",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Dividend history is short: 2 completed years.",
      "Free cash flow is negative.",
      "Free cash flow does not cover dividends paid.",
      "Debt to equity is elevated at 11.86.",
      "Dividend yield is unusually high at 18.4%; possible value trap.",
      "Less than five years of weekly price history available."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/98a1dec5-559b-4a33-8d4f-b413d4e3d70f/",
      "chart": "https://sharemaestro.com/terminal/98a1dec5-559b-4a33-8d4f-b413d4e3d70f/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 10.1,
    "dividend_sustainability": 7.0,
    "business_quality": 13.0,
    "valuation": 10.0,
    "trend": 0.0,
    "total": 40.1,
    "confidence": 92.0
  },
  "warnings": [
    "Dividend history is short: 2 completed years.",
    "Free cash flow is negative.",
    "Free cash flow does not cover dividends paid.",
    "Debt to equity is elevated at 11.86.",
    "Dividend yield is unusually high at 18.4%; possible value trap.",
    "Less than five years of weekly price history available."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "LINV",
      "exchange": "LSE",
      "headline": "LINV dividend review warning",
      "detail": "Dividend yield is unusually high at 18.4%; possible value trap.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/98a1dec5-559b-4a33-8d4f-b413d4e3d70f/"
    },
    {
      "event_date": "2023-09-14",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "LINV",
      "exchange": "LSE",
      "headline": "Dividend increased 146.2%",
      "detail": "Payment changed from 1.3 to 3.2.",
      "amount": 3.2,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/98a1dec5-559b-4a33-8d4f-b413d4e3d70f/"
    },
    {
      "event_date": "2023-09-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "LINV",
      "exchange": "LSE",
      "headline": "LINV dividend payment 3.2 GBP",
      "detail": "Recorded dividend payment for LendInvest plc.",
      "amount": 3.2,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/98a1dec5-559b-4a33-8d4f-b413d4e3d70f/"
    },
    {
      "event_date": "2023-01-05",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "LINV",
      "exchange": "LSE",
      "headline": "Dividend cut -70.5%",
      "detail": "Payment changed from 4.4 to 1.3.",
      "amount": 1.3000001,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/98a1dec5-559b-4a33-8d4f-b413d4e3d70f/"
    },
    {
      "event_date": "2023-01-05",
      "event_type": "payment",
      "severity": "info",
      "ticker": "LINV",
      "exchange": "LSE",
      "headline": "LINV dividend payment 1.3 GBP",
      "detail": "Recorded dividend payment for LendInvest plc.",
      "amount": 1.3000001,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/98a1dec5-559b-4a33-8d4f-b413d4e3d70f/"
    },
    {
      "event_date": "2022-08-25",
      "event_type": "payment",
      "severity": "info",
      "ticker": "LINV",
      "exchange": "LSE",
      "headline": "LINV dividend payment 4.4 GBP",
      "detail": "Recorded dividend payment for LendInvest plc.",
      "amount": 4.4,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/98a1dec5-559b-4a33-8d4f-b413d4e3d70f/"
    }
  ]
}