Loans4Less.Com

LFLS

Financial - Credit Services · Financial Services

Price

$0.04

+0.00 (+0.00%)

Market Cap

$2.4M

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Quality

Mixed

Growth

Good

Cash Flow

Strong

Stability

Mixed

Valuation

Mixed

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Share count rising — dilution

+3.5% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 58.0M (2021) → 60.0M (2025)

Winston Score History

The full picture

Loans4Less.Com, Inc. is a small online mortgage company that helps people borrow money to buy or refinance homes. It connects borrowers with home loans, acting as a middleman between customers looking for mortgages and the lenders who fund them. The company operates in the U.S. residential mortgage market, which is heavily tied to interest rates and housing activity.

The company earns money by collecting fees when it originates or arranges mortgage loans, rather than holding the loans on its own books long-term. It operates primarily in the United States and, given its near-zero market cap, is a very small player in a fragmented industry dominated by large banks and well-funded fintech lenders. The biggest risk the company faces is rising interest rates, which reduce the number of people looking to buy homes or refinance, directly shrinking the volume of loans it can generate and the fees it can collect.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+85.8% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

>+1,000% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

88.3%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$537 cash & investments

Quarterly Free Cash Flow

→ Burn rate stable

Company generates more cash than it spends — no dilution risk from fundraising

Revenue accelerating

Loans4Less.Com grew revenue 86% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

100.0%

Premium pricing power — 100.0% gross margin

Profit after running costs

Operating Margin

8.4%

Modest — 8.4% operating margin

Return on the money invested

ROCE

N/A

Data not available

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Growth

Sales growth

Sales YoY

+409.4%

Fast-growing sales (+409.4% YoY)

Profit growth

EPS YoY

>+1,000%

Earnings growing fast (>+1,000% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Profit that turns into cash

Cash Conversion

80%

Modest — 80% of profit becomes cash

Spare cash per sale

FCF Margin

107.9%

Converts sales into free cash efficiently (107.9%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

What it owes vs what it owns

Debt / Equity

N/A

—

Data not available

Covers its interest

Interest Cover

10.11x

Comfortably covers interest (10.1x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

Price vs profit

P/E Ratio (TTM)

17.4x

Fair value — P/E 17.4

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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