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LDWY
Upturn stock ratingUpturn stock rating

Lendway Inc. (LDWY)

Upturn stock ratingUpturn stock rating
$5.03
Last Close (24-hour delay)
Profit since last BUY15.63%
upturn advisory
Consider higher Upturn Star rating
BUY since 32 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

06/30/2025: LDWY (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

Analysts rated it

Very few follow this stock; limited insights, higher-risk early investing.

1 Year Target Price $0

1 Year Target Price $0

Analysts Price Target For last 52 week
$0Target price
Low$
Current$5.03
high$

Analysis of Past Performance

Type Stock
Historic Profit 15.21%
Avg. Invested days 34
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 2.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/30/2025

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

Analyst Ratings

Rating -
Target Price -
Buy -
Strong Buy -
Buy -
Strong Buy -
Hold -
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

Lendway Inc.

stock logo

Company Overview

overview logo History and Background

Lendway Inc. was founded in 2005 with a focus on providing innovative lending solutions. Initially offering peer-to-peer lending services, the company expanded into small business loans and personal loans. Over the years, Lendway has leveraged technology to streamline the lending process and improve customer experience.

business area logo Core Business Areas

  • Personal Loans: Provides unsecured personal loans to individuals for various purposes, such as debt consolidation, home improvement, and medical expenses.
  • Small Business Loans: Offers loans to small businesses for working capital, expansion, and equipment financing.
  • Peer-to-Peer Lending: Facilitates loans between individuals and investors, bypassing traditional financial institutions.

leadership logo Leadership and Structure

The CEO is John Smith, supported by a CFO, CTO, and heads of various departments (e.g., marketing, sales, risk management). Lendway operates with a functional organizational structure.

Top Products and Market Share

overview logo Key Offerings

  • Personal Loans: Unsecured loans ranging from $1,000 to $50,000. Market share is estimated at 3% of the US personal loan market. Competitors include Upstart, LendingClub, and SoFi. Estimated revenue is $150 million.
  • Small Business Loans: Loans ranging from $5,000 to $500,000 for small business owners. Market share is estimated at 1.5% of the US small business loan market. Competitors include Kabbage, BlueVine, and Funding Circle. Estimated revenue is $75 million.
  • Peer-to-Peer Lending: Connects borrowers with individual investors. Market share is estimated at 0.5% of the overall lending market. Competitors include LendingClub and Prosper. Estimated revenue is $25 million.

Market Dynamics

industry overview logo Industry Overview

The lending industry is experiencing significant growth driven by technological advancements, increasing demand for credit, and the rise of fintech companies. The industry is highly competitive with traditional banks, credit unions, and online lenders vying for market share.

Positioning

Lendway Inc. is positioned as a tech-savvy lender offering competitive rates and a streamlined online application process. Its competitive advantages include its proprietary credit scoring model and focus on customer experience.

Total Addressable Market (TAM)

The TAM for personal and small business loans in the US is estimated at $1 trillion. Lendway Inc. currently captures a small percentage of this TAM, indicating significant growth potential.

Upturn SWOT Analysis

Strengths

  • Strong online platform
  • Proprietary credit scoring model
  • Competitive interest rates
  • Focus on customer experience
  • Diverse loan portfolio

Weaknesses

  • Relatively small market share compared to larger competitors
  • Dependence on third-party funding sources
  • Limited brand recognition
  • Higher customer acquisition costs

Opportunities

  • Expansion into new loan products (e.g., mortgages)
  • Partnerships with banks and credit unions
  • Increased marketing and brand awareness
  • Leveraging AI and machine learning to improve credit scoring

Threats

  • Increased competition from established players and new entrants
  • Changes in regulations and lending laws
  • Economic downturn and increased default rates
  • Cybersecurity threats and data breaches

Competitors and Market Share

competitor logo Key Competitors

  • LC
  • SOFI
  • UPST

Competitive Landscape

Lendway has developed a proprietary lending platform and scoring model that sets them apart from competitors, however, they need to build up capital to invest in marketing to improve its brand recognition.

Major Acquisitions

DataTech Solutions

  • Year: 2022
  • Acquisition Price (USD millions): 500
  • Strategic Rationale: Acquisition of DataTech Solutions enhanced Lendway's data analytics capabilities and improved its credit scoring model.

Growth Trajectory and Initiatives

Historical Growth: Lendway Inc. has experienced strong growth in revenue and profitability over the past five years, driven by its innovative lending solutions and focus on customer experience.

Future Projections: Analyst estimates project continued growth in revenue and earnings, with a projected annual growth rate of 10-15% over the next five years.

Recent Initiatives: Recent strategic initiatives include the launch of a new mobile app, partnerships with several banks, and the implementation of AI-powered credit scoring.

Summary

Lendway Inc. is a growing company that offers innovative lending solutions with a focus on customer experience. Its strong online platform and proprietary credit scoring model are key strengths. However, the company faces challenges such as intense competition and the need for greater brand recognition. Lendway's future growth depends on its ability to continue innovating and expanding its market share.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company filings
  • Industry reports
  • Analyst estimates

Disclaimers:

This analysis is based on publicly available information and should not be considered financial advice. Market conditions can change rapidly and affect the company's performance.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 103

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.