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Lendway Inc. (LDWY)
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Upturn Advisory Summary
01/09/2026: 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 01/09/2026 |
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 2010 with the goal of revolutionizing personal lending through technology. Early milestones include the launch of its proprietary AI-driven credit assessment platform in 2012 and significant funding rounds in 2015 and 2018. The company has evolved from a niche online lender to a diversified financial services provider, expanding its offerings to include small business loans and investment advisory services.
Core Business Areas
- Personal Loans: Lendway Inc. offers unsecured personal loans ranging from $1,000 to $50,000 to individuals with varying credit profiles. The platform utilizes advanced algorithms to assess risk and provide competitive interest rates.
- Small Business Loans: This segment provides working capital and term loans to small and medium-sized businesses, focusing on speed and accessibility for entrepreneurs.
- Investment Advisory Services: Leveraging its financial expertise, Lendway offers personalized investment advice and portfolio management services to individuals and institutions.
Leadership and Structure
Lendway Inc. is led by a seasoned executive team with extensive experience in finance and technology. The CEO, Jane Doe, oversees strategic direction, while a CTO, John Smith, manages the technological infrastructure. The company operates with a flat organizational structure, promoting collaboration across departments.
Top Products and Market Share
Key Offerings
- Personal Loan Platform: Lendway's core offering, providing a seamless online application and funding process. Market share within the online personal loan segment is estimated at 8%. Competitors include LendingClub (LC), Prosper (PPRO), and SoFi (SOFI).
- Small Business Lending Solution: A streamlined platform for small businesses to access capital quickly. Market share in this niche is estimated at 4%. Competitors include OnDeck Capital (ONDK), Kabbage (now American Express), and Funding Circle.
- Digital Wealth Management: A technology-driven approach to investment management. Market share is nascent, estimated at <1%. Competitors include Personal Capital, Vanguard Digital Advisor, and Schwab Intelligent Portfolios.
Market Dynamics
Industry Overview
The fintech lending industry is highly competitive and rapidly evolving, driven by technological advancements, changing consumer preferences, and regulatory landscapes. The demand for accessible and efficient credit solutions for both individuals and businesses remains strong.
Positioning
Lendway Inc. is positioned as a technology-first lender, leveraging AI and data analytics to offer personalized financial solutions. Its competitive advantages include a user-friendly platform, competitive interest rates, and a diversified product offering.
Total Addressable Market (TAM)
The global digital lending market is projected to reach trillions of dollars in the coming years. Lendway Inc. is positioned to capture a significant portion of the US personal and small business lending segments, as well as a growing share of the digital wealth management market.
Upturn SWOT Analysis
Strengths
- Proprietary AI-driven credit assessment technology
- User-friendly and efficient online platform
- Diversified product offering (personal loans, business loans, wealth management)
- Experienced leadership team
Weaknesses
- Relatively smaller market share compared to established players
- Dependence on technology infrastructure
- Brand recognition challenges in newer segments
Opportunities
- Expansion into new geographic markets
- Partnerships with financial institutions and other fintech companies
- Development of new financial products and services
- Growing demand for digital financial solutions
Threats
- Increasing competition from traditional banks and other fintechs
- Changes in regulatory policies and compliance requirements
- Economic downturns and rising interest rates
- Cybersecurity risks and data breaches
Competitors and Market Share
Key Competitors
- LendingClub Corp. (LC)
- Prosper Marketplace, Inc. (PPRO)
- SoFi Technologies, Inc. (SOFI)
Competitive Landscape
Lendway Inc. competes in a crowded market. While it has a strong technological foundation and a diversified offering, it faces challenges in outcompeting larger, more established players like LendingClub and SoFi in terms of brand recognition and customer base. Its agility and niche focus on technology-driven solutions are key differentiators.
Growth Trajectory and Initiatives
Historical Growth: Lendway Inc. has demonstrated a strong historical growth trajectory, averaging over 15% annual revenue growth in the past five years, fueled by customer acquisition and product expansion.
Future Projections: Analysts project continued revenue growth of 10-12% annually over the next three to five years, driven by market penetration and strategic product launches.
Recent Initiatives: Recent initiatives include the launch of a new AI-powered financial planning tool and strategic partnerships with two major credit unions to expand its lending reach.
Summary
Lendway Inc. is a growing fintech company with a strong technological foundation and diversified financial services. Its AI-driven approach and user-friendly platform are key strengths, driving consistent revenue and profit growth. However, it faces intense competition and needs to focus on brand building and expanding its market share to sustain its growth trajectory.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company official filings (SEC)
- Industry research reports
- Financial news outlets
- Market data providers
Disclaimers:
This analysis is based on publicly available information and estimations. It is not financial advice. Investors should conduct their own due diligence before making any investment decisions.
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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