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Company Analysis

LM Funding America, Inc. LMFA

A comprehensive view of key metrics, scores, and financial health for LM Funding America, Inc.

Overview of LM Funding America, Inc.

LMFA NCM
Financial Services Credit Services Framework: Banks & Lenders Micro Cap
LM Funding America, Inc. (LMFA), is a Micro Cap company, in the Credit Services industry, last closed at $0.21, about 2392.8% undervalued vs fair value, -88.1% 1Y return, ranked 937/1037 in sector.
USD 0.21
-1.14%
(Delayed)
• Vol 90d: 102.0%
Market Cap
$3.60M
Enterprise Value
$11.93M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Weak
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Weak
Completeness: 82%
Confidence: 89%
Updated: Mar 8
Top Beats

Quick Facts

Website https://www.lmfunding.com
HQ Tampa, FL
Employees 9
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$3
$5
$10
Current: $0.21 +2393% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$307.3K
23.1%%
Interest Expense
$443.7K
Net Interest Income
$-136.4K
-154.6%%
Total Revenue
$17.0M
174.6%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
-19.8%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating LM Funding America, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
16
/100
Weak
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
4
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 85% Coverage
Trade-Off Triangle Visualization A ternary plot showing LMFA's balance between Growth (36.5%), Profitability (20.8%), and Safety (42.8%). Growth 37% Safety 43% Profitability 21%

Click axes to expand details. Marker shows current allocation.

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Growth

47th percentile vs peers
47
Key Signals
Asset Growth YoY 16.8% 86p EPS Growth YoY 62.7% 86p Equity Growth YoY 2.3% 21p NII Growth YoY -1.55 0p
Strengths
  • Asset Growth YoY in top 20% of peers (16.8%, 86th percentile)
  • EPS Growth YoY in top 20% of peers (62.7%, 86th percentile)
  • Efficiency Ratio in top 20% of peers (4.04, 99th percentile)
  • Equity/Assets in top 20% of peers (80.2%, 99th percentile)
  • Debt/Assets in top 20% of peers (17.5%, 83th percentile)
Risks
  • NII Growth YoY in bottom 20% of peers (-1.55)

Profitability

26th percentile vs peers
27
Key Signals
Strengths
Risks
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Safety

55th percentile vs peers
56
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for LM Funding America, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$5.20
- - -
+2392.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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