LM FUNDING AMERICA INC (LMFA) Fundamental Analysis & Valuation

NASDAQ:LMFA • US5020745031

0.3886 USD
-0.03 (-7.06%)
At close: Mar 12, 2026
0.3899 USD
+0 (+0.33%)
After Hours: 3/12/2026, 5:25:43 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This LMFA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

2

Taking everything into account, LMFA scores 2 out of 10 in our fundamental rating. LMFA was compared to 277 industry peers in the Software industry. Both the profitability and financial health of LMFA have multiple concerns. LMFA is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

0

1. LMFA Profitability Analysis

1.1 Basic Checks

  • LMFA had negative earnings in the past year.
  • In the past year LMFA has reported a negative cash flow from operations.
  • In the past 5 years LMFA reported 4 times negative net income.
  • In the past 5 years LMFA reported 4 times negative operating cash flow.
LMFA Yearly Net Income VS EBIT VS OCF VS FCFLMFA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -10M -20M

1.2 Ratios

  • The Return On Assets of LMFA (-20.78%) is worse than 72.92% of its industry peers.
  • LMFA has a Return On Equity of -24.93%. This is in the lower half of the industry: LMFA underperforms 63.54% of its industry peers.
Industry RankSector Rank
ROA -20.78%
ROE -24.93%
ROIC N/A
ROA(3y)-43.09%
ROA(5y)-30.89%
ROE(3y)-47.2%
ROE(5y)-33.81%
ROIC(3y)N/A
ROIC(5y)N/A
LMFA Yearly ROA, ROE, ROICLMFA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -200 -400 -600 -800

1.3 Margins

  • LMFA's Gross Margin of 19.50% is on the low side compared to the rest of the industry. LMFA is outperformed by 83.75% of its industry peers.
  • In the last couple of years the Gross Margin of LMFA has declined.
  • LMFA does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 19.5%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-40.58%
GM growth 5Y-10.08%
LMFA Yearly Profit, Operating, Gross MarginsLMFA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -500 -1K -1.5K

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. LMFA Health Analysis

2.1 Basic Checks

  • LMFA does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for LMFA has been increased compared to 1 year ago.
  • The number of shares outstanding for LMFA has been increased compared to 5 years ago.
  • LMFA has a worse debt/assets ratio than last year.
LMFA Yearly Shares OutstandingLMFA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M 4M 5M
LMFA Yearly Total Debt VS Total AssetsLMFA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

2.2 Solvency

  • Based on the Altman-Z score of -1.78, we must say that LMFA is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of -1.78, LMFA is doing worse than 76.90% of the companies in the same industry.
  • A Debt/Equity ratio of 0.03 indicates that LMFA is not too dependend on debt financing.
  • LMFA has a better Debt to Equity ratio (0.03) than 60.29% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF N/A
Altman-Z -1.78
ROIC/WACCN/A
WACC12.21%
LMFA Yearly LT Debt VS Equity VS FCFLMFA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M 40M 60M

2.3 Liquidity

  • LMFA has a Current Ratio of 1.84. This is a normal value and indicates that LMFA is financially healthy and should not expect problems in meeting its short term obligations.
  • With a Current ratio value of 1.84, LMFA perfoms like the industry average, outperforming 54.51% of the companies in the same industry.
  • LMFA has a Quick Ratio of 1.84. This is a normal value and indicates that LMFA is financially healthy and should not expect problems in meeting its short term obligations.
  • LMFA has a Quick ratio of 1.84. This is comparable to the rest of the industry: LMFA outperforms 55.23% of its industry peers.
Industry RankSector Rank
Current Ratio 1.84
Quick Ratio 1.84
LMFA Yearly Current Assets VS Current LiabilitesLMFA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. LMFA Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 46.14% over the past year.
  • The Revenue for LMFA has decreased by -52.51% in the past year. This is quite bad
  • LMFA shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 35.75% yearly.
EPS 1Y (TTM)46.14%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%76.84%
Revenue 1Y (TTM)-52.51%
Revenue growth 3Y-9.25%
Revenue growth 5Y35.75%
Sales Q2Q%73.55%

3.2 Future

  • Based on estimates for the next years, LMFA will show a very strong growth in Earnings Per Share. The EPS will grow by 30.49% on average per year.
  • The Revenue is expected to grow by 4.20% on average over the next years.
EPS Next Y60.89%
EPS Next 2Y30.49%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-11.43%
Revenue Next 2Y4.2%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
LMFA Yearly Revenue VS EstimatesLMFA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 5M 10M
LMFA Yearly EPS VS EstimatesLMFA Yearly EPS VS EstimatesYearly EPS VS Estimates 2022 2023 2024 2025 2026 -2 -4 -6

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Find the best growth stocksShow best growing peers

1

4. LMFA Valuation Analysis

4.1 Price/Earnings Ratio

  • LMFA reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • Also next year LMFA is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
LMFA Price Earnings VS Forward Price EarningsLMFA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20 30 40

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
LMFA Per share dataLMFA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 -1 2 -2 3

4.3 Compensation for Growth

  • LMFA's earnings are expected to grow with 30.49% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y30.49%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. LMFA Dividend Analysis

5.1 Amount

  • No dividends for LMFA!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

LMFA Fundamentals: All Metrics, Ratios and Statistics

LM FUNDING AMERICA INC

NASDAQ:LMFA (3/12/2026, 5:25:43 PM)

After market: 0.3899 +0 (+0.33%)

0.3886

-0.03 (-7.06%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)11-14
Earnings (Next)03-30
Inst Owners14.43%
Inst Owner Change-68.47%
Ins Owners2.63%
Ins Owner Change0%
Market Cap5.49M
Revenue(TTM)8.46M
Net Income(TTM)-12.50M
Analysts82.5
Price Target4.59 (1081.16%)
Short Float %3.72%
Short Ratio1.13
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)50.56%
Min EPS beat(2)-1.76%
Max EPS beat(2)102.88%
EPS beat(4)2
Avg EPS beat(4)27.88%
Min EPS beat(4)-39.11%
Max EPS beat(4)102.88%
EPS beat(8)4
Avg EPS beat(8)17.68%
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-17.91%
Min Revenue beat(2)-21.24%
Max Revenue beat(2)-14.59%
Revenue beat(4)1
Avg Revenue beat(4)-6.13%
Min Revenue beat(4)-21.24%
Max Revenue beat(4)29.74%
Revenue beat(8)1
Avg Revenue beat(8)-9.27%
Revenue beat(12)4
Avg Revenue beat(12)3.47%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)20.45%
EPS NY rev (1m)0%
EPS NY rev (3m)7.07%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)14.29%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.65
P/FCF N/A
P/OCF N/A
P/B 0.11
P/tB 0.13
EV/EBITDA N/A
EPS(TTM)-2.3
EYN/A
EPS(NY)-1.33
Fwd EYN/A
FCF(TTM)-1
FCFYN/A
OCF(TTM)-0.85
OCFYN/A
SpS0.6
BVpS3.55
TBVpS3.07
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -20.78%
ROE -24.93%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 19.5%
FCFM N/A
ROA(3y)-43.09%
ROA(5y)-30.89%
ROE(3y)-47.2%
ROE(5y)-33.81%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-40.58%
GM growth 5Y-10.08%
F-Score3
Asset Turnover0.14
Health
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 31.96%
Cap/Sales 25.33%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.84
Quick Ratio 1.84
Altman-Z -1.78
F-Score3
WACC12.21%
ROIC/WACCN/A
Cap/Depr(3y)1043.66%
Cap/Depr(5y)229216%
Cap/Sales(3y)302.82%
Cap/Sales(5y)203.46%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)46.14%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%76.84%
EPS Next Y60.89%
EPS Next 2Y30.49%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-52.51%
Revenue growth 3Y-9.25%
Revenue growth 5Y35.75%
Sales Q2Q%73.55%
Revenue Next Year-11.43%
Revenue Next 2Y4.2%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y17.35%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year86.15%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-34.14%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-19.47%
OCF growth 3YN/A
OCF growth 5YN/A

LM FUNDING AMERICA INC / LMFA FAQ

What is the ChartMill fundamental rating of LM FUNDING AMERICA INC (LMFA) stock?

ChartMill assigns a fundamental rating of 2 / 10 to LMFA.


What is the valuation status for LMFA stock?

ChartMill assigns a valuation rating of 1 / 10 to LM FUNDING AMERICA INC (LMFA). This can be considered as Overvalued.


What is the profitability of LMFA stock?

LM FUNDING AMERICA INC (LMFA) has a profitability rating of 0 / 10.


Can you provide the financial health for LMFA stock?

The financial health rating of LM FUNDING AMERICA INC (LMFA) is 2 / 10.