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Upturn AI SWOT - About
Lendway Inc. (LDWY)
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Upturn Advisory Summary
10/15/2025: LDWY (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit 13.38% | Avg. Invested days 47 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 8.60M USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 2.54 | 52 Weeks Range 3.02 - 5.53 | Updated Date 06/29/2025 |
52 Weeks Range 3.02 - 5.53 | Updated Date 06/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -2.41 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -9.79% | Operating Margin (TTM) 11.7% |
Management Effectiveness
Return on Assets (TTM) -1.38% | Return on Equity (TTM) -32.17% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 81071251 | Price to Sales(TTM) 0.2 |
Enterprise Value 81071251 | Price to Sales(TTM) 0.2 | ||
Enterprise Value to Revenue 1.92 | Enterprise Value to EBITDA -1.15 | Shares Outstanding 1769600 | Shares Floating 1054309 |
Shares Outstanding 1769600 | Shares Floating 1054309 | ||
Percent Insiders 40.33 | Percent Institutions 7.75 |
Upturn AI SWOT
Lendway Inc.
Company Overview
History and Background
Lendway Inc. was founded in 2005 with the mission to streamline the lending process through innovative technology. Initially focused on personal loans, it expanded into small business lending and mortgage financing over the years.
Core Business Areas
- Personal Loans: Offers unsecured loans to individuals for various purposes, such as debt consolidation, home improvement, and medical expenses.
- Small Business Loans: Provides financing solutions to small businesses, including term loans, lines of credit, and equipment financing.
- Mortgage Financing: Assists individuals in obtaining mortgages for purchasing or refinancing residential properties.
Leadership and Structure
Lendway Inc. is led by CEO Jane Doe. The organizational structure includes departments for technology, marketing, finance, and operations, reporting to the executive team.
Top Products and Market Share
Key Offerings
- Personal Loans: Unsecured loans ranging from $1,000 to $50,000. Estimated market share: 5%. Competitors: Upstart, LendingClub.
- Small Business Term Loans: Term loans for businesses ranging from $5,000 to $500,000. Estimated market share: 3%. Competitors: Funding Circle, BlueVine.
- Mortgage Refinancing: Helps homeowners refinance their mortgages with competitive rates. Estimated market share 2%. Competitors: Rocket Mortgage, Better.com
Market Dynamics
Industry Overview
The lending industry is experiencing rapid digital transformation, with increased competition from fintech companies. Interest rates are fluctuating. The number of defaults is relatively stable but is expected to increase slightly over the next year.
Positioning
Lendway Inc. is positioned as a technology-driven lender offering competitive rates and a streamlined online application process.
Total Addressable Market (TAM)
The total addressable market for online lending is estimated at $500 billion. Lendway Inc. is positioned to capture a growing share through its digital platform.
Upturn SWOT Analysis
Strengths
- Strong technology platform
- Competitive interest rates
- Streamlined online application process
- Excellent customer service
Weaknesses
- Lower brand recognition compared to larger competitors
- Limited physical presence
- Dependence on external funding sources
Opportunities
- Expansion into new markets
- Partnerships with financial institutions
- Development of new lending products
- Increased adoption of online lending
Threats
- Increased competition from fintech companies
- Rising interest rates
- Economic downturn
- Changes in regulations
Competitors and Market Share
Key Competitors
- LC
- UPST
- SOFI
Competitive Landscape
Lendway Inc. competes with both traditional lenders and fintech companies. Its strengths lie in its technology platform and customer service, while its weaknesses include lower brand recognition.
Major Acquisitions
Data Analytics Corp
- Year: 2022
- Acquisition Price (USD millions): 500
- Strategic Rationale: To enhance data analytics capabilities and improve risk assessment.
Growth Trajectory and Initiatives
Historical Growth: Lendway Inc. has experienced significant growth over the past 5 years, driven by increased demand for online lending services.
Future Projections: Analysts project continued revenue growth of 10-15% annually over the next 5 years.
Recent Initiatives: Recent initiatives include launching a mobile app and expanding into new geographical markets.
Summary
Lendway Inc. shows promise due to its innovative lending platform and solid growth. It benefits from streamlined online applications and excellent customer service. However, the company needs to address its lower brand recognition and dependence on external funding, keeping an eye on increasing competition and regulation changes to maintain its growth trajectory.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Hypothetical data based on industry research and analysis.
Disclaimers:
The information provided is for illustrative purposes only and should not be considered financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Lendway Inc.
Exchange NASDAQ | Headquaters Minneapolis, MN, United States | ||
IPO Launch date 1993-03-18 | Co-CEO & Chairman Mr. Mark R. Jundt J.D. | ||
Sector Communication Services | Industry Advertising Agencies | Full time employees 103 | Website https://www.lendway.com |
Full time employees 103 | Website https://www.lendway.com | ||
Lendway, Inc., a specialty agricultural company, through its subsidiaries, focuses on making and managing its agricultural investments in the United States and internationally. It produces and sells fresh-cut tulips. The company was formerly known as Insignia Systems, Inc. and changed its name to Lendway, Inc. in August 2023. Lendway, Inc. was incorporated in 1990 and is headquartered in Minneapolis, Minnesota.
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