Structured JSON API for this factor page: https://sharemaestro.com/factors/api/tickers/98a1dec5-559b-4a33-8d4f-b413d4e3d70f/

LINV

LendInvest plc
Chart
£24.50
Latest Week 2026-06-05
Financial ServicesMortgage FinanceMID
Snapshot 2026-06-07 · 0.0w · Fresh
0.48
OS Score
84.0%
Value
4.0%
Quality
18.0%
Momentum
3/9
F-Score
0.183
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
0 of 23 passing
★
OS Composite
✗
↗
Trending Value
✗
◆
Quality × Value
✗
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
✗
◇
VC2 Cheapest
✗
📐
EBITDA/EV
✗
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
✗
🌱
GARP
✗
🔄
Shareholder Yield
✗
💰
High Yield
✗
🚀
Momentum Leaders
✗
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
✗
🛡
Low Volatility
✗
🏷
Sector Cheapest
✗
🧠
Capital Allocators
✗
⚡
Risk-Adj Momentum
✗
V
Value Analysis
Cheapness relative to fundamentals
84.0%ile
P/S
39.2×
P/B
47.7×
FCF Yield
-0.047
EBITDA/EV
0.005
SH Yield
0.000
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
10.00000000
/100 — 1=cheapest
VC2 (Trending Value)
14.00000000
/100
VC3 (Buyback)
16.00000000
/100
Negative FCF yield (-4.7%) — the business is currently cash-consumptive.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
4.0%ile
ROE
-0.022
ROA
-0.002
Net Margin
-0.018
Op Margin
0.153
GPA
0.050
Current
16.86
F-Score
3/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.098
Accruals
0.197
lower=better
5yr Consist
No
Accruals ratio of 0.197 is elevated — earnings quality may be lower than headline numbers suggest.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
18.0%ile
6M Return
-34.7%
12M Return
-22.2%
12-1 Mom
-19.0%
Risk-Adj
-0.76
Vol 252d
25.0%
Vol 60d
43.5%
↑ Expanding
Max DD 12M
-43.0%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of -19% signals a downtrend — price is moving against you. Near-term vol (43%) is expanding vs long-term (25%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.48
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 186 peers
Sector Value %ile
87.7%
Sector Quality %ile
1.6%
P/B z-score
-0.10
Sector Avg OS
58.4%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
VTAS Volta Finance Limited 98.0% 87.0% 80.0% 99.0%
FSG Foresight Group Holdings Limited 98.0% 99.0% 99.0% 69.0%
STAN Standard Chartered PLC 97.0% 91.0% 74.0% 90.0%
BGEO Lion Finance Group PLC 97.0% 96.0% 68.0% 88.0%
STB Secure Trust Bank PLC 97.0% 90.0% 73.0% 92.0%
CRE Conduit Holdings Limited 97.0% 96.0% 84.0% 73.0%
DFCH Distribution Finance Capital Holdings plc 96.0% 92.0% 71.0% 86.0%
BPM B.P. Marsh & Partners PLC 96.0% 87.0% 86.0% 72.0%
Factor Interactions
Cheap for a Reason?
Looks cheap (84th value) but weak quality (4th). Classic value trap risk.
Falling Knife
Weak momentum (18th) despite looking cheap (84th value). Wait for momentum to stabilise.
Volatility Expanding
60-day vol (43%) significantly exceeds 252-day (25%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
F
2.7% avg (5 factors)
Quality
F
25.5% avg (7 factors)
Momentum
F
5.6% avg (4 factors)
Risk
A
75.1% avg (1 factors)
Momentum is weak, suggesting the market isn't yet buying this thesis. Patience required.
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Factor Persistence1 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.480—0—
Value %ile0.840—1—
Quality %ile0.040—1—
Momentum %ile0.180—1—
F-Score3.000—1—
Confidence0.592—0—
Volatility0.250—0—
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
Price / Sales
39.16
Price / Book
47.73
FCF Yield
-4.7%
EBITDA / EV
0.5%
Sales Yield (1/P·S)
0.0209
Shareholder Yield
Div + net buyback / mktcap
0.0%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
-2.2%
Return on Assets
-0.2%
Net Margin
-1.8%
Operating Margin
15.3%
Gross Profit / Assets
Novy-Marx GPA
5.0%
Current Ratio
16.86
Accruals Ratio
(NI-OCF)/Assets — lower=better
0.197
MomentumPrice trend strength over different horizons
6M Return
-34.7%
12M Return
-22.2%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
-19.0%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
-0.76
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
9.8%
5yr Consistent
EPS up every year for 5 years
No
Piotroski F-Score
3
Dividend Yield
0.0%
Buyback Yield
0.0%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
10
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
14
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
16
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity