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LM FUNDING AMERICA INC (LMFA) Stock Fundamental Analysis

NASDAQ:LMFA - Nasdaq - US5020745031 - Common Stock - Currency: USD

2.29  +0.08 (+3.62%)

After market: 2.21 -0.08 (-3.49%)

Fundamental Rating

2

Overall LMFA gets a fundamental rating of 2 out of 10. We evaluated LMFA against 284 industry peers in the Software industry. While LMFA seems to be doing ok healthwise, there are quite some concerns on its profitability. While showing a medium growth rate, LMFA is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

In the past year LMFA has reported negative net income.
In the past year LMFA has reported a negative cash flow from operations.
LMFA had negative earnings in 4 of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -10M -20M

1.2 Ratios

LMFA has a worse Return On Assets (-49.87%) than 83.45% of its industry peers.
LMFA has a worse Return On Equity (-61.48%) than 70.42% of its industry peers.
Industry RankSector Rank
ROA -49.87%
ROE -61.48%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -200 -400 -600 -800

1.3 Margins

LMFA has a worse Gross Margin (18.03%) than 82.39% of its industry peers.
LMFA's Gross Margin has declined in the last couple of years.
The Profit Margin and Operating Margin are not available for LMFA so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 18.03%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -500 -1K -1.5K

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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.
The number of shares outstanding for LMFA has been increased compared to 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.
LMFA Yearly Shares OutstandingLMFA Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

2.2 Solvency

LMFA has an Altman-Z score of -2.29. This is a bad value and indicates that LMFA is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of LMFA (-2.29) is worse than 77.46% of its industry peers.
LMFA has a Debt/Equity ratio of 0.22. This is a healthy value indicating a solid balance between debt and equity.
LMFA has a Debt to Equity ratio (0.22) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF N/A
Altman-Z -2.29
ROIC/WACCN/A
WACC9.35%
LMFA Yearly LT Debt VS Equity VS FCFLMFA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M 40M 60M

2.3 Liquidity

A Current Ratio of 5.25 indicates that LMFA has no problem at all paying its short term obligations.
LMFA has a better Current ratio (5.25) than 88.73% of its industry peers.
A Quick Ratio of 5.25 indicates that LMFA has no problem at all paying its short term obligations.
With an excellent Quick ratio value of 5.25, LMFA belongs to the best of the industry, outperforming 88.73% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 5.25
Quick Ratio 5.25
LMFA Yearly Current Assets VS Current LiabilitesLMFA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

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3. Growth

3.1 Past

The earnings per share for LMFA have decreased strongly by -49.78% in the last year.
Looking at the last year, LMFA shows a very negative growth in Revenue. The Revenue has decreased by -13.30% in the last year.
The Revenue has been growing by 35.75% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-49.78%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-272.13%
Revenue 1Y (TTM)-13.3%
Revenue growth 3Y-9.25%
Revenue growth 5Y35.75%
Sales Q2Q%-50.06%

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 29.34% on average per year.
Based on estimates for the next years, LMFA will show a small growth in Revenue. The Revenue will grow by 1.89% on average per year.
EPS Next Y30.13%
EPS Next 2Y29.34%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-0.48%
Revenue Next 2Y1.89%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
LMFA Yearly Revenue VS EstimatesLMFA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for LMFA. In the last year negative earnings were reported.
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 20 40 60

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 2 -2 4 -4 6 -6

4.3 Compensation for Growth

LMFA's earnings are expected to grow with 29.34% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y29.34%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for LMFA!.
Industry RankSector Rank
Dividend Yield N/A

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LM FUNDING AMERICA INC

NASDAQ:LMFA (6/25/2025, 8:00:00 PM)

After market: 2.21 -0.08 (-3.49%)

2.29

+0.08 (+3.62%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)05-15 2025-05-15/bmo
Earnings (Next)08-12 2025-08-12
Inst Owners9.03%
Inst Owner Change-3.2%
Ins Owners9.96%
Ins Owner Change0%
Market Cap11.75M
Analysts80
Price Target4.59 (100.44%)
Short Float %1.31%
Short Ratio0.73
Dividend
Industry RankSector Rank
Dividend Yield N/A
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)5.2%
Min EPS beat(2)-39.11%
Max EPS beat(2)49.51%
EPS beat(4)1
Avg EPS beat(4)-52.46%
Min EPS beat(4)-181.43%
Max EPS beat(4)49.51%
EPS beat(8)N/A
Avg EPS beat(8)N/A
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)1
Avg Revenue beat(2)5.65%
Min Revenue beat(2)-18.44%
Max Revenue beat(2)29.74%
Revenue beat(4)1
Avg Revenue beat(4)-7.02%
Min Revenue beat(4)-31.64%
Max Revenue beat(4)29.74%
Revenue beat(8)2
Avg Revenue beat(8)-2.73%
Revenue beat(12)4
Avg Revenue beat(12)-4.39%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)-25%
EPS NQ rev (1m)0%
EPS NQ rev (3m)51.43%
EPS NY rev (1m)-2.86%
EPS NY rev (3m)42.47%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-17.24%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.47%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.88
P/FCF N/A
P/OCF N/A
P/B 0.37
P/tB 0.45
EV/EBITDA N/A
EPS(TTM)-6.12
EYN/A
EPS(NY)-1.46
Fwd EYN/A
FCF(TTM)-2.56
FCFYN/A
OCF(TTM)-2.31
OCFYN/A
SpS2.61
BVpS6.19
TBVpS5.13
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -49.87%
ROE -61.48%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 18.03%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score1
Asset Turnover0.34
Health
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 17.41%
Cap/Sales 9.62%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 5.25
Quick Ratio 5.25
Altman-Z -2.29
F-Score1
WACC9.35%
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)-49.78%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-272.13%
EPS Next Y30.13%
EPS Next 2Y29.34%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-13.3%
Revenue growth 3Y-9.25%
Revenue growth 5Y35.75%
Sales Q2Q%-50.06%
Revenue Next Year-0.48%
Revenue Next 2Y1.89%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-34.3%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year91.54%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y28.62%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-22.39%
OCF growth 3YN/A
OCF growth 5YN/A