LM FUNDING AMERICA INC (LMFA) Stock Fundamental Analysis

NASDAQ:LMFA • US5020745031

0.3267 USD
+0.02 (+5.59%)
At close: Feb 13, 2026
0.34 USD
+0.01 (+4.07%)
Pre-Market: 2/17/2026, 4:54:20 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to LMFA. LMFA was compared to 276 industry peers in the Software industry. LMFA has a bad profitability rating. Also its financial health evaluation is rather negative. LMFA is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

0

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.
  • 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 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 73.91% of its industry peers.
  • LMFA has a Return On Equity of -24.93%. This is in the lower half of the industry: LMFA underperforms 64.13% 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

  • The Gross Margin of LMFA (19.50%) is worse than 84.42% of its industry peers.
  • LMFA's Gross Margin has declined in the last couple of years.
  • 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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

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.
  • Compared to 5 years ago, LMFA has more shares outstanding
  • Compared to 1 year ago, LMFA has a worse debt to assets ratio.
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

  • LMFA has an Altman-Z score of -1.85. This is a bad value and indicates that LMFA is not financially healthy and even has some risk of bankruptcy.
  • LMFA's Altman-Z score of -1.85 is on the low side compared to the rest of the industry. LMFA is outperformed by 77.54% of its industry peers.
  • LMFA has a Debt/Equity ratio of 0.03. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of LMFA (0.03) is better than 60.14% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF N/A
Altman-Z -1.85
ROIC/WACCN/A
WACC12.39%
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.
  • Looking at the Current ratio, with a value of 1.84, LMFA is in line with its industry, outperforming 53.99% of the companies in the same industry.
  • A Quick Ratio of 1.84 indicates that LMFA should not have too much problems paying its short term obligations.
  • LMFA has a Quick ratio of 1.84. This is comparable to the rest of the industry: LMFA outperforms 54.35% 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. 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%.
  • 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

  • The Earnings Per Share is expected to grow by 30.49% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, LMFA will show a small growth in Revenue. The Revenue will grow by 4.20% on average per year.
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

  • 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 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

More info and screens

Find the best growth stocksShow best growing peers

1

4. Valuation

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 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. Dividend

5.1 Amount

  • LMFA does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

LM FUNDING AMERICA INC

NASDAQ:LMFA (2/13/2026, 8:21:54 PM)

Premarket: 0.34 +0.01 (+4.07%)

0.3267

+0.02 (+5.59%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)11-14
Earnings (Next)03-30
Inst Owners29.66%
Inst Owner Change-3.56%
Ins Owners2.65%
Ins Owner Change0%
Market Cap4.61M
Revenue(TTM)8.46M
Net Income(TTM)-12.50M
Analysts82.5
Price Target4.59 (1304.96%)
Short Float %3.94%
Short Ratio1.17
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)7.07%
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 0.55
P/FCF N/A
P/OCF N/A
P/B 0.09
P/tB 0.11
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 -1.85
F-Score3
WACC12.39%
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.