Pomanda estimates the enterprise value of SANTANDER LENDING LIMITED at £32.8m based on a Turnover of £15.8m and 2.07x industry multiple (adjusted for size and gross margin).
santander lending limitedEstimated Valuation
£117.9m
Pomanda estimates the enterprise value of SANTANDER LENDING LIMITED at £117.9m based on an EBITDA of £15.7m and a 7.51x industry multiple (adjusted for size and gross margin).
santander lending limitedEstimated Valuation
£283.4m
Pomanda estimates the enterprise value of SANTANDER LENDING LIMITED at £283.4m based on Net Assets of £229.8m and 1.23x industry multiple (adjusted for liquidity).
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Santander Lending LimitedOverview
Santander Lending Limited is a live company located in london, NW1 3AN with a Companies House number of 05831018. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in May 2006, it's largest shareholder is
santander uk plc
with a 100% stake. Santander Lending Limited is a established,
mid sized company, Pomanda has estimated its turnover at
£15.8m with
rapid
growth in recent years.
Pomanda's financial health check has awarded Santander Lending Limited a 5 rating. We use a traffic light system to show it exceeds the industry average on 7 measures and has 0 areas for improvement. Company Health Check FAQs
Health Rating5out of 5
7 Strong
1 Regular
0 Weak
Size
annual sales of £15.8m, make it larger than the average company (£5.5m)
£15.8m - Santander Lending Limited
£5.5m - Industry AVG
Growth
3 year (CAGR) sales growth of 59%, show it is growing at a faster rate (5%)
59% - Santander Lending Limited
5% - Industry AVG
Production
with a gross margin of 97.2%, this company has a lower cost of product (54.3%)
97.2% - Santander Lending Limited
54.3% - Industry AVG
Profitability
an operating margin of 99.1% make it more profitable than the average company (9.1%)
99.1% - Santander Lending Limited
9.1% - Industry AVG
Employees
with 72 employees, this is above the industry average (14)
72 - Santander Lending Limited
14 - Industry AVG
Pay Structure
There is insufficient data available for this Key Performance Indicator!
- - Santander Lending Limited
- - Industry AVG
Efficiency
resulting in sales per employee of £220.1k, this is equally as efficient (£222.2k)
£220.1k - Santander Lending Limited
£222.2k - Industry AVG
Debtor Days
it gets paid by customers after 14 days, this is earlier than average (33 days)
14 days - Santander Lending Limited
33 days - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- - Santander Lending Limited
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Santander Lending Limited
- - Industry AVG
Cash Balance
There is insufficient data available for this Key Performance Indicator!
- - Santander Lending Limited
- - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 1.9%, this is a lower level of debt than the average (71.4%)
1.9% - Santander Lending Limited
71.4% - Industry AVG
SANTANDER LENDING LIMITED financials
EXPORT
Santander Lending Limited's latest turnover from December 2023 is £15.8 million and the company has net assets of £229.8 million. According to their latest financial statements, we estimate that Santander Lending Limited has 72 employees and maintains cash reserves of 0 as reported in the balance sheet.
Data source:Companies House, Pomanda Estimates
Dec 2023
Dec 2022
Dec 2021
Dec 2020
Dec 2019
Dec 2018
Dec 2017
Dec 2016
Dec 2015
Dec 2014
Dec 2013
Dec 2012
Dec 2011
Dec 2010
Dec 2009
Turnover
15,847,968
8,120,419
4,141,895
3,924,447
7,069,289
8,873,870
11,847,291
13,545,124
10,214,059
2,019,489
476,867
558,493
3,324,309
3,098,190
7,963,224
Other Income Or Grants
Cost Of Sales
442,750
676,678
354,358
2,113,833
1,534,566
708,721
1,106,527
657,527
89,699
172,089
816,476
1,965,714
1,262,908
4,195,911
Gross Profit
15,405,218
7,443,741
4,141,895
3,570,089
4,955,456
7,339,304
11,138,570
12,438,597
9,556,532
1,929,790
304,778
-257,983
1,358,595
1,835,282
3,767,313
Admin Expenses
-299,788
133,315
-5,757,216
6,041,355
1,894,179
2,539,073
796,796
108,639
54,847
27,424
3,972,186
46,187,830
12,596,154
14,716,691
40,916,837
Operating Profit
15,705,006
7,310,426
9,899,111
-2,471,266
3,061,277
4,800,231
10,341,774
12,329,958
9,501,685
1,902,366
-3,667,408
-46,445,813
-11,237,559
-12,881,409
-37,149,524
Interest Payable
3
28
5
Interest Receivable
1,048
Pre-Tax Profit
15,417,392
8,208,212
9,419,043
-3,253,620
4,749,920
5,638,554
10,092,576
12,329,958
9,501,684
1,902,365
-5,838,456
-45,841,892
-9,630,501
-12,881,414
-50,688,959
Tax
-3,617,118
-1,962,316
-1,377,852
900,545
-812,779
-1,008,346
-1,715,739
-2,540,181
-2,788,603
10,782,999
1,358,406
11,124,461
2,552,083
-2,691,393
8,440,095
Profit After Tax
11,800,274
6,245,896
8,041,191
-2,353,075
3,937,141
4,630,208
8,376,837
9,789,777
6,713,081
12,685,364
-4,480,050
-34,717,431
-7,078,418
-15,572,807
-42,248,864
Dividends Paid
Retained Profit
11,800,274
6,245,896
8,041,191
-2,353,075
3,937,141
4,630,208
8,376,837
9,789,777
6,713,081
12,685,364
-4,480,050
-34,717,431
-7,078,418
-15,572,807
-42,248,864
Employee Costs
443,337
932,152
Number Of Employees
72
37
19
19
34
43
59
70
53
11
3
3
16
3
7
EBITDA*
15,705,006
7,310,426
9,899,111
-2,471,266
3,061,277
4,800,231
10,341,774
12,329,958
9,501,685
1,902,366
-3,667,408
-46,445,813
-11,233,151
-12,879,143
-37,079,832
* Earnings Before Interest, Tax, Depreciation and Amortisation
Dec 2023
Dec 2022
Dec 2021
Dec 2020
Dec 2019
Dec 2018
Dec 2017
Dec 2016
Dec 2015
Dec 2014
Dec 2013
Dec 2012
Dec 2011
Dec 2010
Dec 2009
Tangible Assets
145,865,508
237,155,218
88,700,905
164,902,406
170,653,150
161,116,137
247,451,502
321,151,051
297,866,650
274,752,952
4,408
175,281
Intangible Assets
Investments & Other
145,835,457
237,117,674
85,269,523
159,549,190
Debtors (Due After 1 year)
30,051
37,544
1,715,691
2,676,608
168,253,116
157,903,324
243,713,026
315,696,836
297,866,650
274,752,952
Total Fixed Assets
145,865,508
237,155,218
86,985,214
162,225,798
168,253,116
161,116,137
247,451,502
321,151,051
297,866,650
274,752,952
4,408
175,281
Stock & work in progress
Trade Debtors
623,971
623,971
623,971
199,516,074
56,837,887
67,190,725
499,876
Group Debtors
623,971
4,300,380
4,604,785
5,595,998
5,705,626
5,533,750
13,245,595
11,922,611
4,225,792
1,701,683
14,857,027
Misc Debtors
50,960,477
175,816
175,816
175,816
175,816
24,966,731
80,259,137
115,171,054
144,376,159
Cash
1,093,039
21,795,934
832,007
235,550,774
244,286,847
misc current assets
87,667,414
4,763,240
102,909,378
41,420,716
7,994,615
7,994,396
10,782,999
total current assets
88,291,385
6,480,250
125,329,283
42,876,694
243,545,389
299,547,704
204,296,675
62,609,701
81,066,563
16,816,625
13,421,411
36,889,342
84,484,929
116,872,737
159,233,186
total assets
234,156,893
243,635,468
212,314,497
205,102,492
411,798,505
460,663,841
451,748,177
383,760,752
378,933,213
291,569,577
13,421,411
36,889,342
84,484,929
116,877,145
159,408,467
Bank overdraft
Bank loan
Trade Creditors
Group/Directors Accounts
other short term finances
hp & lease commitments
other current liabilities
4,325,611
25,604,460
529,385
1,358,571
205,701,509
258,503,986
253,980,377
194,369,789
199,332,027
118,681,472
129,624,594
148,612,475
161,490,631
186,804,429
213,762,944
total current liabilities
4,325,611
25,604,460
529,385
1,358,571
205,701,509
258,503,986
253,980,377
194,369,789
199,332,027
118,681,472
129,624,594
148,612,475
161,490,631
186,804,429
213,762,944
loans
hp & lease commitments
Accruals and Deferred Income
other liabilities
provisions
total long term liabilities
total liabilities
4,325,611
25,604,460
529,385
1,358,571
205,701,509
258,503,986
253,980,377
194,369,789
199,332,027
118,681,472
129,624,594
148,612,475
161,490,631
186,804,429
213,762,944
net assets
229,831,282
218,031,008
211,785,112
203,743,921
206,096,996
202,159,855
197,767,800
189,390,963
179,601,186
172,888,105
-116,203,183
-111,723,133
-77,005,702
-69,927,284
-54,354,477
total shareholders funds
229,831,282
218,031,008
211,785,112
203,743,921
206,096,996
202,159,855
197,767,800
189,390,963
179,601,186
172,888,105
-116,203,183
-111,723,133
-77,005,702
-69,927,284
-54,354,477
Dec 2023
Dec 2022
Dec 2021
Dec 2020
Dec 2019
Dec 2018
Dec 2017
Dec 2016
Dec 2015
Dec 2014
Dec 2013
Dec 2012
Dec 2011
Dec 2010
Dec 2009
Operating Activities
Operating Profit
15,705,006
7,310,426
9,899,111
-2,471,266
3,061,277
4,800,231
10,341,774
12,329,958
9,501,685
1,902,366
-3,667,408
-46,445,813
-11,237,559
-12,881,409
-37,149,524
Depreciation
4,408
2,266
69,692
Amortisation
Tax
-3,617,118
-1,962,316
-1,377,852
900,545
-812,779
-1,008,346
-1,715,739
-2,540,181
-2,788,603
10,782,999
1,358,406
11,124,461
2,552,083
-2,691,393
8,440,095
Stock
Debtors
-7,493
-1,678,147
-960,917
-164,952,537
-44,911,065
-234,845,520
69,703,164
7,367,720
90,152,239
267,365,167
-23,467,931
-47,595,587
-32,387,808
-42,360,449
159,233,186
Creditors
Accruals and Deferred Income
-21,278,849
25,075,075
-829,186
-204,342,938
-52,802,477
4,523,609
59,610,588
-4,962,238
80,650,555
-10,943,122
-18,987,881
-12,878,156
-25,313,798
-26,958,515
213,762,944
Deferred Taxes & Provisions
Cash flow from operations
-9,183,468
32,101,332
8,652,990
-40,961,122
-5,642,914
243,161,014
-1,466,541
-2,540,181
-2,788,602
-265,622,924
2,171,048
-603,921
-1,607,058
-168,602
25,890,021
Investing Activities
capital expenditure
91,289,710
-148,454,313
76,201,501
5,750,744
-9,537,013
86,335,365
73,699,549
-23,284,401
-23,113,698
-274,752,952
168,607
-244,973
Change in Investments
-91,282,217
151,848,151
-74,279,667
159,549,190
cash flow from investments
182,571,927
-300,302,464
150,481,168
-153,798,446
-9,537,013
86,335,365
73,699,549
-23,284,401
-23,113,698
-274,752,952
168,607
-244,973
Financing Activities
Bank loans
Group/Directors Accounts
Other Short Term Loans
Long term loans
Hire Purchase and Lease Commitments
other long term liabilities
share issue
-238,153
276,405,924
-12,105,613
interest
-3
-28
-5
1,048
cash flow from financing
-238,153
276,405,924
-3
-28
-5
-12,104,565
cash and cash equivalents
cash
-1,093,039
-20,702,895
20,963,927
-234,718,767
-8,736,073
244,286,847
overdraft
change in cash
-1,093,039
-20,702,895
20,963,927
-234,718,767
-8,736,073
244,286,847
santander lending limited Credit Report and Business Information
Very Low Risk70 - 100
Low Risk50 - 70
Moderate Risk30 - 50
High Risk20 - 30
Very High Risk0 - 20
Get a comprehensive credit check for santander lending limited. Get real-time insights into santander lending limited's credit score, group structure and payment trends.
Perform a competitor analysis for santander lending limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other mid companies, companies in NW1 area or any other competitors across 12 key performance metrics.
santander lending limited Ownership
SANTANDER LENDING LIMITED group structure
Santander Lending Limited has no subsidiary companies.
The sole shareholder of Santander Lending Limited is Santander Uk Plc.
santander uk plc
100%
santander lending limited directors
Santander Lending Limited currently has 3 directors.
The longest serving directors include
Mrs Laura-Ann Irving (Dec 2019) and
Mr Andrew Whelan (Jun 2022).
64999 - Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.
incorporation date
May 2006
age
19
incorporated
UK
ultimate parent company
BANCO SANTANDER SA
accounts
Full Accounts
last accounts submitted
December 2023
previous names
mitre capital partners limited (October 2013)
ibis (985) limited (July 2006)
accountant
-
auditor
PRICEWATERHOUSECOOPERS LLP
address
2 triton square, regent's place, london, NW1 3AN
Bank
SANTANDER UK PLC
Legal Advisor
-
santander lending limited Charges & Mortgages
A charge, or mortgage, refers to the rights a company gives to a lender in return for a loan, often in the form of security given over business assets.
We found 3 charges/mortgages relating to santander lending limited. Currently there are 2 open charges and 1 have been satisfied in the past.
santander lending limited Capital Raised & Share Issues BETA
When a company issues new shares, e.g. to new investors following a funding round, it is required to notify Companies House within one month of making an allotment of shares.
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santander lending limitedCompanies House Filings - See Documents
