LMFA Fundamental Analysis - LM FUNDING AMERICA INC

Fundamental Rating

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. LMFA may be in some trouble as it scores bad on both profitability and health. LMFA is valied quite expensively at the moment, while it does show a decent growth rate.

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1. Profitability

1.1 Basic Checks

LMFA had negative earnings in the past year.
LMFA had a negative operating cash flow in the past year.
In the past 5 years LMFA reported 4 times negative net income.
LMFA had negative operating cash flow in 4 of the past 5 years.

1.2 Ratios

With a Return On Assets value of -20.78%, LMFA is not doing good in the industry: 73.65% of the companies in the same industry are doing better.
With a Return On Equity value of -24.93%, LMFA is not doing good in the industry: 63.54% of the companies in the same industry are doing better.

		Industry Rank	Sector 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

1.3 Margins

With a Gross Margin value of 19.50%, LMFA is not doing good in the industry: 83.39% of the companies in the same industry are doing better.
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 Rank	Sector 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%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

LMFA does not have a ROIC to compare to the WACC, probably because it is not profitable.
LMFA has more shares outstanding than it did 1 year ago.
LMFA has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, LMFA has a worse debt to assets ratio.

2.2 Solvency

LMFA has an Altman-Z score of -1.83. This is a bad value and indicates that LMFA is not financially healthy and even has some risk of bankruptcy.
LMFA has a Altman-Z score of -1.83. This is in the lower half of the industry: LMFA underperforms 78.70% of its industry peers.
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 Rank	Sector Rank
Debt/Equity	0.03
Debt/FCF	N/A
Altman-Z	-1.83

ROIC/WACCN/A

WACC12.41%

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.
The Current ratio of LMFA (1.84) is comparable to the rest of the industry.
A Quick Ratio of 1.84 indicates that LMFA should not have too much problems paying its short term obligations.
The Quick ratio of LMFA (1.84) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Current Ratio	1.84
Quick Ratio	1.84

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 46.14% over the past year.
LMFA shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -52.51%.
The Revenue has been growing by 35.75% on average over the past years. This is a very strong growth!

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

LMFA is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 27.92% yearly.
LMFA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.20% yearly.

EPS Next Y57.92%

EPS Next 2Y27.92%

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.

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4. Valuation

4.1 Price/Earnings Ratio

LMFA reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
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 Rank	Sector Rank
PE	N/A
Fwd PE	N/A

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

A more expensive valuation may be justified as LMFA's earnings are expected to grow with 27.92% in the coming years.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y27.92%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

LMFA does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	0%

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LM FUNDING AMERICA INC

NASDAQ:LMFA (1/20/2026, 8:00:01 PM)

Premarket: 0.4093 +0 (+0.29%)

0.4081

-0.04 (-8.09%)

Chartmill FA Rating

GICS SectorInformation Technology

GICS IndustryGroupSoftware & Services

GICS IndustrySoftware

Earnings (Last)11-14 2025-11-14/bmo

Earnings (Next)03-30 2026-03-30/amc

Inst Owners29.66%

Inst Owner Change0%

Ins Owners2.65%

Ins Owner Change0%

Market Cap4.98M

Revenue(TTM)8.46M

Net Income(TTM)-12.50M

Analysts82.5

Price Target4.59 (1024.72%)

Short Float %5.32%

Short Ratio0.66

Dividend

		Industry Rank	Sector 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)20.45%

EPS NQ rev (3m)20.45%

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)14.29%

Revenue NQ rev (3m)14.29%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0%

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A
P/S	0.59
P/FCF	N/A
P/OCF	N/A
P/B	0.1
P/tB	0.11
EV/EBITDA	N/A

EPS(TTM)-2.3

EYN/A

EPS(NY)-1.62

Fwd EYN/A

FCF(TTM)-1.16

FCFYN/A

OCF(TTM)-0.98

OCFYN/A

SpS0.69

BVpS4.11

TBVpS3.55

PEG (NY)N/A

PEG (5Y)N/A

Graham NumberN/A

Profitability

		Industry Rank	Sector 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 Rank	Sector 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	-1.83

F-Score3

WACC12.41%

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 Y57.92%

EPS Next 2Y27.92%

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.

LM FUNDING AMERICA INC (LMFA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

More info and screens

LM FUNDING AMERICA INC / LMFA FAQ

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

What is the valuation status for LMFA stock?

What is the profitability of LMFA stock?

Can you provide the financial health for LMFA stock?