0.9621 USD
+0.09 (+9.93%)
0.9899 USD
+0.03 (+2.89%)
Overall LMFA gets a fundamental rating of 2 out of 10. We evaluated LMFA against 280 industry peers in the Software industry. LMFA scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. While showing a medium growth rate, LMFA is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
In the past year LMFA has reported negative net income.
LMFA had a negative operating cash flow in the past year.
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.
1.2 Ratios
LMFA's Return On Assets of -37.98% is on the low side compared to the rest of the industry. LMFA is outperformed by 79.29% of its industry peers.
With a Return On Equity value of -46.53%, LMFA is not doing good in the industry: 68.21% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -37.98% | ||
| ROE | -46.53% | ||
| 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
LMFA has a worse Gross Margin (13.11%) than 84.29% of its industry peers.
In the last couple of years the Gross Margin of LMFA has declined.
The Profit Margin and Operating Margin are not available for LMFA so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 13.11% |
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%
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.
LMFA has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of -1.89, 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 -1.89, LMFA is doing worse than 79.29% of the companies in the same industry.
LMFA has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
LMFA has a Debt to Equity ratio (0.17) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -1.89 |
ROIC/WACCN/A
WACC11.62%
2.3 Liquidity
LMFA has a Current Ratio of 3.75. This indicates that LMFA is financially healthy and has no problem in meeting its short term obligations.
The Current ratio of LMFA (3.75) is better than 81.79% of its industry peers.
LMFA has a Quick Ratio of 3.75. This indicates that LMFA is financially healthy and has no problem in meeting its short term obligations.
LMFA has a Quick ratio of 3.75. This is amongst the best in the industry. LMFA outperforms 82.14% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.75 | ||
| Quick Ratio | 3.75 |
3. Growth
3.1 Past
LMFA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 46.14%, which is quite impressive.
LMFA shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -15.32%.
Measured over the past years, LMFA shows a very strong growth in Revenue. The Revenue has been growing by 35.75% on average per year.
EPS 1Y (TTM)46.14%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%76.84%
Revenue 1Y (TTM)-15.32%
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 27.92% 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 1.18% on average per year.
EPS Next Y57.92%
EPS Next 2Y27.92%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-11.43%
Revenue Next 2Y1.18%
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.
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
5. Dividend
5.1 Amount
LMFA does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
0.9621
+0.09 (+9.93%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners29.19%
Inst Owner Change419.13%
Ins Owners2.39%
Ins Owner Change0%
Market Cap14.93M
Revenue(TTM)11.00M
Net Income(TTM)-14.83M
Analysts82.5
Price Target4.59 (377.08%)
Short Float %8.47%
Short Ratio0.83
Dividend
| Industry Rank | Sector 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)31.89%
Min EPS beat(2)-39.11%
Max EPS beat(2)102.88%
EPS beat(4)2
Avg EPS beat(4)18.62%
Min EPS beat(4)-39.11%
Max EPS beat(4)102.88%
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)0
Avg Revenue beat(2)-19.84%
Min Revenue beat(2)-21.24%
Max Revenue beat(2)-18.44%
Revenue beat(4)1
Avg Revenue beat(4)-10.4%
Min Revenue beat(4)-31.64%
Max Revenue beat(4)29.74%
Revenue beat(8)1
Avg Revenue beat(8)-7.97%
Revenue beat(12)4
Avg Revenue beat(12)-2.98%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)-5.26%
EPS NQ rev (1m)0%
EPS NQ rev (3m)46.62%
EPS NY rev (1m)0%
EPS NY rev (3m)39.77%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.96%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-7%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | 1.98 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.47 | ||
| P/tB | 0.56 | ||
| EV/EBITDA | N/A |
EPS(TTM)-2.3
EYN/A
EPS(NY)-1.62
Fwd EYN/A
FCF(TTM)-0.87
FCFYN/A
OCF(TTM)-0.75
OCFYN/A
SpS0.49
BVpS2.05
TBVpS1.71
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -37.98% | ||
| ROE | -46.53% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 13.11% | ||
| 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-Score2
Asset Turnover0.19
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 26.39% | ||
| Cap/Sales | 24.8% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 3.75 | ||
| Quick Ratio | 3.75 | ||
| Altman-Z | -1.89 |
F-Score2
WACC11.62%
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)-15.32%
Revenue growth 3Y-9.25%
Revenue growth 5Y35.75%
Sales Q2Q%73.55%
Revenue Next Year-11.43%
Revenue Next 2Y1.18%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y8.97%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year93.85%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y1.2%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-11.74%
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 of LM FUNDING AMERICA INC (LMFA) stock?
ChartMill assigns a valuation rating of 1 / 10 to LM FUNDING AMERICA INC (LMFA). This can be considered as Overvalued.
How profitable is LM FUNDING AMERICA INC (LMFA) stock?
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 57.92% in the next year.