LM FUNDING AMERICA INC (LMFA)
US5020745031 - Common Stock
Overall LMFA gets a fundamental rating of 3 out of 10. We evaluated LMFA against 101 industry peers in the Financial Services industry. The financial health of LMFA is average, but there are quite some concerns on its profitability. While showing a medium growth rate, LMFA is valued expensive at the moment.
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.
In the past 5 years LMFA reported 4 times negative operating cash flow.
1.2 Ratios
LMFA's Return On Assets of -22.58% is on the low side compared to the rest of the industry. LMFA is outperformed by 89.11% of its industry peers.
LMFA has a worse Return On Equity (-23.57%) than 82.18% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -22.58% | ||
| ROE | -23.57% | ||
| ROIC | N/A |
ROA(3y)-29.86%
ROA(5y)-32.34%
ROE(3y)-31.89%
ROE(5y)-47.38%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
LMFA has a Gross Margin (20.93%) which is in line with 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 20.93% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5Y-26.26%
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
The debt/assets ratio for LMFA is higher compared to a year ago.
2.2 Solvency
An Altman-Z score of 2.66 indicates that LMFA is not a great score, but indicates only limited risk for bankruptcy at the moment.
The Altman-Z score of LMFA (2.66) is better than 82.18% of its industry peers.
A Debt/Equity ratio of 0.01 indicates that LMFA is not too dependend on debt financing.
The Debt to Equity ratio of LMFA (0.01) is better than 88.12% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.01 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.66 |
ROIC/WACCN/A
WACC8.88%
2.3 Liquidity
LMFA has a Current Ratio of 6.00. This indicates that LMFA is financially healthy and has no problem in meeting its short term obligations.
LMFA has a Current ratio of 6.00. This is amongst the best in the industry. LMFA outperforms 94.06% of its industry peers.
LMFA has a Quick Ratio of 6.00. This indicates that LMFA is financially healthy and has no problem in meeting its short term obligations.
Looking at the Quick ratio, with a value of 6.00, LMFA belongs to the top of the industry, outperforming 94.06% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 6 | ||
| Quick Ratio | 6 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 69.36% over the past year.
LMFA shows a strong growth in Revenue. In the last year, the Revenue has grown by 268.13%.
LMFA shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 30.82% yearly.
EPS 1Y (TTM)69.36%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%124.8%
Revenue 1Y (TTM)268.13%
Revenue growth 3Y117.41%
Revenue growth 5Y30.82%
Sales Q2Q%105.27%
3.2 Future
LMFA is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 34.14% yearly.
Based on estimates for the next years, LMFA will show a very negative growth in Revenue. The Revenue will decrease by -20.00% on average per year.
EPS Next Y57.03%
EPS Next 2Y34.14%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8%
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
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 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 34.14% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y34.14%
EPS Next 3YN/A
5. Dividend
5.1 Amount
LMFA does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
LM FUNDING AMERICA INC
NASDAQ:LMFA (6/10/2024, 7:13:15 PM)
Premarket: 5.14 -0.29 (-5.34%)5.43
+0.65 (+13.6%)
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 Cap13.52M
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 | -22.58% | ||
| ROE | -23.57% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 20.93% | ||
| 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 Turnover0.38
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.01 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 6 | ||
| Quick Ratio | 6 | ||
| 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)
High Growth Momentum
Growth
EPS 1Y (TTM)69.36%
EPS 3YN/A
EPS 5Y
EPS Q2Q%
EPS Next Y57.03%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)268.13%
Revenue growth 3Y117.41%
Revenue growth 5Y
Sales 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