LM FUNDING AMERICA INC (LMFA)
US5020745031 - Common Stock
LMFA gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 102 industry peers in the Financial Services industry. The financial health of LMFA is average, but there are quite some concerns on its profitability. LMFA is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
LMFA had negative earnings in the past year.
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.
1.2 Ratios
LMFA has a worse Return On Assets (-42.29%) than 91.18% of its industry peers.
LMFA has a Return On Equity of -44.07%. This is amonst the worse of the industry: LMFA underperforms 86.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -42.29% | ||
| ROE | -44.07% | ||
| ROIC | N/A |
ROA(3y)-29.86%
ROA(5y)-32.33%
ROE(3y)-31.89%
ROE(5y)-47.39%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Gross Margin, with a value of 13.23%, LMFA is doing worse than 61.76% of the companies in the same industry.
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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 13.23% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5Y-26.28%
2. Health
2.1 Basic Checks
LMFA does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, LMFA has less shares outstanding
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 0.08, we must say that LMFA is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of LMFA (0.08) is worse than 64.71% of its industry peers.
A Debt/Equity ratio of 0.02 indicates that LMFA is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.02, LMFA belongs to the top of the industry, outperforming 85.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.08 |
ROIC/WACCN/A
WACC8.93%
2.3 Liquidity
LMFA has a Current Ratio of 3.67. This indicates that LMFA is financially healthy and has no problem in meeting its short term obligations.
LMFA's Current ratio of 3.67 is amongst the best of the industry. LMFA outperforms 90.20% of its industry peers.
A Quick Ratio of 3.67 indicates that LMFA has no problem at all paying its short term obligations.
The Quick ratio of LMFA (3.67) is better than 91.18% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.67 | ||
| Quick Ratio | 3.67 |
3. Growth
3.1 Past
The earnings per share for LMFA have decreased strongly by -50.60% in the last year.
Looking at the last year, LMFA shows a very strong growth in Revenue. The Revenue has grown by 673.18%.
LMFA shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 30.82% yearly.
EPS 1Y (TTM)-50.6%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q55.63%
Revenue 1Y (TTM)673.18%
Revenue growth 3Y117.64%
Revenue growth 5Y30.82%
Revenue growth Q2Q262.33%
3.2 Future
The Earnings Per Share is expected to grow by 34.14% on average over the next years. This is a very strong growth
The Revenue is expected to decrease by -20.00% on average over the next years. This is quite bad
EPS Next Y21.88%
EPS Next 2Y34.14%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.6%
Revenue Next 2Y-20%
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
LMFA's earnings are expected to grow with 34.14% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y34.14%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for LMFA!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
LM FUNDING AMERICA INC
NASDAQ:LMFA (4/29/2024, 11:31:14 AM)
2.63
-0.09 (-3.31%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap6.55M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -42.29% | ||
| ROE | -44.07% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 13.23% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.34
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 3.67 | ||
| Quick Ratio | 3.67 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-50.6%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y21.88%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)673.18%
Revenue growth 3Y117.64%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y