Financials Lendway, Inc.

Equities

LDWY

US45765Y2046

Consumer Lending

Market Closed - Nasdaq 04:30:01 2024-04-26 pm EDT 5-day change 1st Jan Change
6.29 USD +0.08% Intraday chart for Lendway, Inc. +2.95% +36.44%

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 17.64 8.815 10.28 40.81 14.03 8.048
Enterprise Value (EV) 1 7.481 1.573 4.258 37.23 -0.2643 -8.022
P/E ratio 12.5 x -1.74 x -2.37 x -11.5 x 1.4 x 3.41 x
Yield - - - - - -
Capitalization / Revenue 0.53 x 0.4 x 0.58 x 2.09 x 0.75 x -
EV / Revenue 0.23 x 0.07 x 0.24 x 1.91 x -0.01 x -
EV / EBITDA 2.49 x -0.8 x -1.02 x -8.01 x 0.11 x 2.28 x
EV / FCF 1.4 x -1.05 x -14.2 x -21.3 x 1.01 x 2.96 x
FCF Yield 71.3% -95% -7.02% -4.69% 98.9% 33.8%
Price to Book 1.08 x 0.75 x 1.34 x 12.9 x 1.05 x 0.52 x
Nbr of stocks (in thousands) 1,691 1,725 1,748 1,768 1,797 1,746
Reference price 2 10.43 5.111 5.879 23.08 7.810 4.610
Announcement Date 3/7/19 3/10/20 3/11/21 3/9/22 3/9/23 4/1/24
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 33.24 21.95 17.67 19.5 18.8 -
EBITDA 1 2.999 -1.968 -4.16 -4.65 -2.335 -3.511
EBIT 1 1.832 -3.615 -4.637 -4.71 -2.394 -3.518
Operating Margin 5.51% -16.47% -26.24% -24.15% -12.73% -
Earnings before Tax (EBT) 1 1.883 -5.487 -4.491 -3.492 9.828 -3.001
Net income 1 1.399 -5.021 -4.3 -3.534 10.05 2.414
Net margin 4.21% -22.87% -24.34% -18.12% 53.44% -
EPS 2 0.8316 -2.943 -2.480 -2.010 5.590 1.352
Free Cash Flow 1 5.332 -1.494 -0.2991 -1.746 -0.2612 -2.714
FCF margin 16.04% -6.81% -1.69% -8.95% -1.39% -
FCF Conversion (EBITDA) 177.79% - - - - -
FCF Conversion (Net income) 381.13% - - - - -
Dividend per Share - - - - - -
Announcement Date 3/7/19 3/10/20 3/11/21 3/9/22 3/9/23 4/1/24
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - - - - - -
Net Cash position 1 10.2 7.24 6.02 3.58 14.3 16.1
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow 1 5.33 -1.49 -0.3 -1.75 -0.26 -2.71
ROE (net income / shareholders' equity) 8.98% -35.7% -44.1% -71.7% 121% -20.9%
ROA (Net income/ Total Assets) 5.02% -11% -18.7% -23.6% -9.46% -11.7%
Assets 1 27.88 45.49 23.03 14.97 -106.1 -20.66
Book Value Per Share 2 9.650 6.840 4.400 1.790 7.460 8.910
Cash Flow per Share 2 6.010 4.350 4.080 2.110 8.040 9.220
Capex 1 1.34 0.4 0.06 0.11 0.03 0.05
Capex / Sales 4.02% 1.81% 0.35% 0.54% 0.15% -
Announcement Date 3/7/19 3/10/20 3/11/21 3/9/22 3/9/23 4/1/24
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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