Loans4Less.Com, Inc.
Loans4Less.Com, Inc. Fundamental Analysis
Loans4Less.Com, Inc. (LFLS) shows weak financial fundamentals with a PE ratio of 269.86, profit margin of 11.89%, and ROE of -3.87%. The company generates $0.0B in annual revenue with weak year-over-year growth of 1.03%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 54.2/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze LFLS's fundamental strength across five key dimensions:
Efficiency Score
ExcellentLFLS demonstrates superior asset utilization.
Valuation Score
WeakLFLS trades at a premium to fair value.
Growth Score
ModerateLFLS shows steady but slowing expansion.
Financial Health Score
ModerateLFLS shows balanced financial health with some risks.
Profitability Score
WeakLFLS struggles to sustain strong margins.
Key Financial Metrics
Is LFLS Expensive or Cheap?
P/E Ratio
LFLS trades at 269.86 times earnings. This suggests a premium valuation.
PEG Ratio
When adjusting for growth, LFLS's PEG of 2.47 indicates potential overvaluation.
Price to Book
The market values Loans4Less.Com, Inc. at -10.28 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 225.35 times EBITDA. This signals the market has high growth expectations.
How Well Does LFLS Make Money?
Net Profit Margin
For every $100 in sales, Loans4Less.Com, Inc. keeps $11.89 as profit after all expenses.
Operating Margin
Core operations generate 12.98 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $-3.87 in profit for every $100 of shareholder equity.
ROA
Loans4Less.Com, Inc. generates $20.71 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Loans4Less.Com, Inc. generates limited operating cash flow of $3.78K, signaling weaker underlying cash strength.
Free Cash Flow
Loans4Less.Com, Inc. produces free cash flow of $3.78K, offering steady but limited capital for shareholder returns and expansion.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
LFLS converts 0.13% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
269.86
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
2.47
vs 25 benchmark
P/B Ratio
Price to book value ratio
-10.28
vs 25 benchmark
P/S Ratio
Price to sales ratio
32.08
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
-0.91
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.005
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
-0.04
vs 25 benchmark
ROA
Return on assets percentage
20.71
vs 25 benchmark
ROCE
Return on capital employed
-0.11
vs 25 benchmark
How LFLS Stacks Against Its Sector Peers
| Metric | LFLS Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 269.86 | 19.02 | Worse (Expensive) |
| ROE | -3.87% | 814.00% | Weak |
| Net Margin | 11.89% | 1811.00% | Weak |
| Debt/Equity | -0.91 | 0.98 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 670.41 | Weak Liquidity |
| ROA | 2070.51% | -24626.00% (disorted) | Strong |
LFLS outperforms its industry in 2 out of 6 key metrics, particularly excelling in ROA, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Loans4Less.Com, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
-99.21%
Industry Style: Value, Dividend, Cyclical
DecliningEPS CAGR
-140.60%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
-123.52%
Industry Style: Value, Dividend, Cyclical
Declining