LM FUNDING AMERICA INC (LMFA) Fundamental Analysis & Valuation

NASDAQ:LMFA • US5020745031

Current stock price

0.27 USD
-0.01 (-3.57%)
Last:

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

0

1. LMFA Profitability Analysis

1.1 Basic Checks

  • LMFA had negative earnings in the past year.
  • LMFA had a negative operating cash flow in the past year.
  • LMFA had negative earnings in 4 of the past 5 years.
  • LMFA had negative operating cash flow in 4 of the past 5 years.
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

  • LMFA has a worse Return On Assets (-20.78%) than 73.43% of its industry peers.
  • LMFA has a worse Return On Equity (-24.93%) than 63.47% 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 83.76% 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

3

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.
  • LMFA has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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 -1.86, we must say that LMFA is in the distress zone and has some risk of bankruptcy.
  • LMFA has a worse Altman-Z score (-1.86) than 77.49% of its industry peers.
  • A Debt/Equity ratio of 0.03 indicates that LMFA is not too dependend on debt financing.
  • LMFA's Debt to Equity ratio of 0.03 is in line compared to the rest of the industry. LMFA outperforms 58.67% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF N/A
Altman-Z -1.86
ROIC/WACCN/A
WACC11.88%
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

  • A Current Ratio of 1.84 indicates that LMFA should not have too much problems paying its short term obligations.
  • LMFA has a Current ratio of 1.84. This is comparable to the rest of the industry: LMFA outperforms 54.61% of its industry peers.
  • A Quick Ratio of 1.84 indicates that LMFA should not have too much problems paying its short term obligations.
  • With a Quick ratio value of 1.84, LMFA perfoms like the industry average, outperforming 55.35% of the companies in the same industry.
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

1

3. LMFA Growth Analysis

3.1 Past

  • LMFA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 37.89%, which is quite impressive.
EPS 1Y (TTM)37.89%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-54.65%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%19.19%

3.2 Future

  • LMFA is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 28.75% yearly.
  • LMFA is expected to show a very negative growth in Revenue. In the coming years, the Revenue will decrease by -10.80% yearly.
EPS Next Y66.86%
EPS Next 2Y28.75%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-15.05%
Revenue Next 2Y-10.8%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

LMFA Yearly Revenue VS EstimatesLMFA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5M 10M
LMFA Yearly EPS VS EstimatesLMFA Yearly EPS VS EstimatesYearly EPS VS Estimates 2022 2023 2024 2025 2026 2027 -2 -4 -6

More info and screens

Find the best growth stocksShow best growing peers

1

4. LMFA Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for LMFA. In the last year negative earnings were reported.
  • Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for LMFA. No positive earnings are expected for the next year.
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

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

  • A more expensive valuation may be justified as LMFA's earnings are expected to grow with 28.75% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y28.75%
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 (4/13/2026, 11:03:00 AM)

0.27

-0.01 (-3.57%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)03-27
Earnings (Next)05-13
Inst Owners12.61%
Inst Owner Change0%
Ins Owners1.53%
Ins Owner Change0%
Market Cap4.36M
Revenue(TTM)N/A
Net Income(TTM)-12.50M
Analysts82.5
Price Target3.06 (1033.33%)
Short Float %2.92%
Short Ratio1.08
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)-33.33%
PT rev (3m)-33.33%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)7.07%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.52
P/FCF N/A
P/OCF N/A
P/B 0.09
P/tB 0.1
EV/EBITDA N/A
EPS(TTM)-2.77
EYN/A
EPS(NY)-0.92
Fwd EYN/A
FCF(TTM)-0.88
FCFYN/A
OCF(TTM)-0.74
OCFYN/A
SpS0.52
BVpS3.1
TBVpS2.68
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 -1.86
F-Score3
WACC11.88%
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)37.89%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-54.65%
EPS Next Y66.86%
EPS Next 2Y28.75%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%19.19%
Revenue Next Year-15.05%
Revenue Next 2Y-10.8%
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 3Y15.83%
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 Fundamental Analysis FAQ

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

ChartMill assigns a fundamental rating of 1 / 10 to LMFA.


Can you provide the valuation status for LM FUNDING AMERICA INC?

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


Can you provide the profitability details for LM FUNDING AMERICA INC?

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


What is the earnings growth outlook for LM FUNDING AMERICA INC?

The Earnings per Share (EPS) of LM FUNDING AMERICA INC (LMFA) is expected to grow by 66.86% in the next year.