LM Funding America, Inc. (LMFA)

LM Funding America Statistics

Total Valuation

LMFA has a market cap or net worth of $15.98 million. The enterprise value is $24.23 million.

Market Cap	15.98M
Enterprise Value	24.23M

Important Dates

The next estimated earnings date is Wednesday, November 12, 2025, before market open.

Earnings Date	Nov 12, 2025
Ex-Dividend Date	n/a

Share Statistics

LMFA has 15.52 million shares outstanding. The number of shares has increased by 71.37% in one year.

Current Share Class	15.52M
Shares Outstanding	15.52M
Shares Change (YoY)	+71.37%
Shares Change (QoQ)	n/a
Owned by Insiders (%)	1.66%
Owned by Institutions (%)	12.96%
Float	10.92M

Valuation Ratios

PE Ratio	n/a
Forward PE	n/a
PS Ratio	0.69
Forward PS	1.60
PB Ratio	0.18
P/TBV Ratio	0.65
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	3.59
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

The company has a current ratio of 3.75, with a Debt / Equity ratio of 0.24.

Current Ratio	3.75
Quick Ratio	0.12
Debt / Equity	0.24
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is -30.01%.

Return on Equity (ROE)	-30.01%
Return on Assets (ROA)	-25.07%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$750,658
Profits Per Employee	-$1.75M
Employee Count	9
Asset Turnover	0.18
Inventory Turnover	n/a

Taxes

Income Tax	n/a
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has decreased by -59.86% in the last 52 weeks. The beta is 1.85, so LMFA's price volatility has been higher than the market average.

Beta (5Y)	1.85
52-Week Price Change	-59.86%
50-Day Moving Average	1.21
200-Day Moving Average	1.71
Relative Strength Index (RSI)	44.79
Average Volume (20 Days)	602,525

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, LMFA had revenue of $6.76 million and -$15.74 million in losses. Loss per share was -$3.80.

Revenue	6.76M
Gross Profit	978,546
Operating Income	-8.04M
Pretax Income	-9.17M
Net Income	-15.74M
EBITDA	n/a
EBIT	n/a
Loss Per Share	-$3.80

Balance Sheet

The company has $353,580 in cash and $7.36 million in debt, giving a net cash position of -$7.00 million or -$0.45 per share.

Cash & Cash Equivalents	353,580
Total Debt	7.36M
Net Cash	-7.00M
Net Cash Per Share	-$0.45
Equity (Book Value)	30.12M
Book Value Per Share	6.21
Working Capital	9.30M

Cash Flow

In the last 12 months, operating cash flow was -$11.67 million and capital expenditures -$1.87 million, giving a free cash flow of -$13.54 million.

Operating Cash Flow	-11.67M
Capital Expenditures	-1.87M
Free Cash Flow	-13.54M
FCF Per Share	-$0.87

Margins

Gross margin is 14.48%, with operating and profit margins of -118.98% and -132.40%.

Gross Margin	14.48%
Operating Margin	-118.98%
Pretax Margin	-135.77%
Profit Margin	-132.40%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

LMFA does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	-71.37%
Shareholder Yield	-71.37%
Earnings Yield	-91.38%
FCF Yield	-78.61%

Analyst Forecast

The average price target for LMFA is $5.00, which is 385.44% higher than the current price. The consensus rating is "Strong Buy".

Price Target	$5.00
Price Target Difference	385.44%
Analyst Consensus	Strong Buy
Analyst Count	1
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	n/a
Lynch Upside	n/a
Graham Number	n/a
Graham Upside	n/a

Stock Splits

The last stock split was on March 12, 2024. It was a reverse split with a ratio of 1:6.

Last Split Date	Mar 12, 2024
Split Type	Reverse
Split Ratio	1:6

Scores

Altman Z-Score	n/a
Piotroski F-Score	1