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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Competitive advantage assessment
Key strengths
Strong Liquidity BufferLiquidity position is strong (score 0.81), providing operational cushion.
Key risks
Commodity Pressure / Weak DifferentiationGross margin at 35.1th percentile with high volatility suggests weak pricing power or commoditized products.
ROIC Below WACC or PeersROIC at 33.3th percentile suggests inefficient capital deployment.
The dashed ring is the peer median. Defense scores are percentile ranks
against peers, so 50 is roughly the typical company in this group.
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Lendway, Inc. ranks #30 of 45
scored companies in Advertising Agencies by moat score — the top 67%.
The widest moat in the group is Glory Star New Media Group Hold (GSMGW)
at 83/100.
Moat scores for companies ranked near LDWY in Advertising Agencies
Pricing power is the ability to raise prices without losing volume.
Cost Advantage
Score 43
· 15% of the moat score
A cost advantage means delivering the same product for structurally less — better purchasing, denser distribution, a more automated process.
Customer Stickiness
Score 22
· 15% of the moat score
Stickiness is what makes revenue repeat without being re-won every year.
Capital Efficiency
Score 21
· 18% of the moat score
Capital efficiency asks what the company earns on the money tied up in the business.
Resilience
Score 57
· 17% of the moat score
Resilience is the capacity to get through a bad year on its own terms — enough liquidity, enough interest cover, and enough cash generation to avoid a rescue financing or a forced sale.
Scale & Market Position
Score 31
· 15% of the moat score
Scale matters only when it converts into economics.
Lendway, Inc. (LDWY) scores 32 out of 100 on the StatsAlpha Moat Map, which rates its competitive advantage as developing. It ranks #30 of 45 scored companies in Advertising Agencies, the top 67%. The score is a weighted composite of 6 competitive defenses, each measured against industry peers of 44 companies in Advertising Agencies. Its strongest defense is Resilience (57/100) and its weakest is Pricing Power (16/100).
How does Lendway, Inc. compare with other Advertising Agencies companies?
Lendway, Inc. ranks #30 of 45 scored companies in Advertising Agencies by moat score. The widest moat in Advertising Agencies is Glory Star New Media Group Hold (GSMGW) at 83/100. The companies ranked closest are Cardlytics, Inc. Common Stock (CDLX) at 34 just above it and Entravision Communications Corp (EVC) at 32 just below it.
How is the moat score calculated?
Each company is scored with an industry-specific template — Corporate Default in this case, chosen because the defenses that matter to a bank are not the ones that matter to a software company. Every defense combines several financial signals, and each signal is measured as a percentile against a peer group of 44 companies in Advertising Agencies. The defenses are then weighted to produce the overall score out of 100.
Why is Lendway, Inc. scored with the Corporate Default template?
Most public companies sell a product or a service at a margin, so the moat question is whether that margin survives contact with competitors. The Corporate template scores the six defenses that show up in a general operating company's financial signature: whether it can hold price, produce more cheaply than rivals, keep its customers, earn a return above its cost of capital, withstand a downturn, and turn size into economics.
Which competitive defenses are measured for Lendway, Inc.?
The Corporate Default template measures 6 defenses, and LDWY scores: Pricing Power (16), Cost Advantage (43), Customer Stickiness (22), Capital Efficiency (21), Resilience (57), Scale & Market Position (31). Each is scored independently as a percentile against peers, so a company can be strong on one and weak on another — the overall score reflects how those defenses are weighted for this industry.
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