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Upturn AI SWOT - About
Lendway Inc. (LDWY)
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Upturn Advisory Summary
08/14/2025: LDWY (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit 17.96% | Avg. Invested days 42 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/14/2025 |
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. is a hypothetical company founded in 2005, specializing in financial technology and online lending platforms. Over the years, it expanded its services, integrating advanced analytics and AI to streamline loan processing and risk assessment.
Core Business Areas
- Personal Loans: Offers unsecured personal loans to individuals for various purposes, leveraging online applications and automated underwriting.
- Small Business Loans: Provides financing solutions for small and medium-sized businesses, including term loans and lines of credit.
- Peer-to-Peer Lending: Operates a platform connecting borrowers and investors directly, facilitating loans with competitive interest rates.
Leadership and Structure
Lendway Inc. is led by a CEO with a background in fintech and finance, supported by a team of experienced executives in technology, operations, and risk management. The organizational structure is hierarchical, with clearly defined departments and reporting lines.
Top Products and Market Share
Key Offerings
- Personal Loans: Offers unsecured personal loans with interest rates ranging from 6% to 36%. Competitors include Upstart, LendingClub, and SoFi. Lendway's personal loan revenue accounts for 45% of total revenue with an estimated 5 million users.
- Small Business Loans: Provides term loans and lines of credit to small businesses, ranging from $5,000 to $500,000. Competitors include Funding Circle, BlueVine, and Kabbage. Small business loans make up 35% of Lendway's total revenue.
- Automated Underwriting Platform: A proprietary technology used to automate the loan approval process and improve the customer experience. Third parties can also contract to use it, accounting for 20% of revenue. Competitors include Experian and TransUnion.
Market Dynamics
Industry Overview
The online lending industry is experiencing significant growth, driven by increased demand for convenient and accessible financing solutions. Fintech innovations are disrupting traditional banking models, leading to greater efficiency and lower costs.
Positioning
Lendway Inc. positions itself as a technology-driven lender, offering competitive interest rates and a streamlined application process. Its competitive advantage lies in its advanced analytics and AI-powered underwriting platform.
Total Addressable Market (TAM)
The total addressable market for online lending is estimated at $800 billion. Lendway Inc. is positioned to capture a significant share of this market by focusing on underserved segments and leveraging its technology platform.
Upturn SWOT Analysis
Strengths
- Advanced AI-powered underwriting platform
- Competitive interest rates
- Streamlined online application process
- Strong brand reputation
- Experienced management team
Weaknesses
- Reliance on technology
- Exposure to cybersecurity risks
- Dependence on economic conditions
- High marketing costs
- Vulnerability to fraud
Opportunities
- Expansion into new markets
- Development of new products and services
- Partnerships with banks and financial institutions
- Leveraging data analytics for personalized lending
- Acquisition of smaller fintech companies
Threats
- Increased competition from traditional banks and fintech companies
- Changes in government regulations
- Economic downturns
- Rising interest rates
- Cybersecurity breaches
Competitors and Market Share
Key Competitors
- UPST
- LC
- SOFI
Competitive Landscape
Lendway Inc. faces intense competition from established players and emerging fintech companies. Its competitive advantage lies in its advanced technology, competitive pricing, and strong customer service.
Major Acquisitions
FinTech Solutions
- Year: 2022
- Acquisition Price (USD millions): 500
- Strategic Rationale: Acquisition provided access to advanced AI and machine learning technologies, strengthening Lendway's underwriting platform and expanding its product offerings.
Growth Trajectory and Initiatives
Historical Growth: Lendway Inc. has experienced rapid growth over the past decade, driven by the increasing adoption of online lending platforms.
Future Projections: Analysts project continued growth for Lendway Inc., with revenue expected to reach $500 million by 2025. EPS is also projected to increase to $5.0.
Recent Initiatives: Recent initiatives include the launch of a new mobile app, the expansion into new geographic markets, and the development of a blockchain-based lending platform.
Summary
Lendway Inc. is a relatively strong company in the online lending market due to its technologically advanced platform, competitive pricing, and high growth rate. Its AI driven underwriting allows it to approve loans quickly and at lower cost. However, it must be cognizant of cybersecurity risks, rising rates, and increased competition.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Hypothetical data, industry reports, analyst estimates.
Disclaimers:
This analysis is based on hypothetical data and is for informational purposes only. It 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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