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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 Micro Cap
LM Funding America, Inc. (LMFA), is a Micro Cap company, in the Credit Services industry, last closed at $0.24, about 2094.1% undervalued vs fair value, -84.1% 1Y return, ranked 937/1037 in sector.
$0.24
-3.27%
As of April 28, 2026
Previous close • Vol 90d: 103.4%
52-Week Range
Market Cap
$3.80M
Enterprise Value
$12.13M
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: $0.24 +2094% 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 Corporate Default

Competitive Advantage Assessment

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

Overall Moat Strength
27
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Developing
36
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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 (35.1%), Profitability (26.5%), and Safety (38.5%). Growth 35% Safety 38% Profitability 27%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

44th percentile vs peers
44
Key Signals
Asset Growth YoY 16.8% 71p EPS Growth YoY 62.7% 72p Equity Growth YoY 2.3% 38p NII Growth YoY -1.55 4p
Strengths
  • Efficiency Ratio in top 20% of peers (4.04, 93th percentile)
  • Equity/Assets in top 20% of peers (80.2%, 95th percentile)
Risks
  • NII Growth YoY in bottom 20% of peers (-1.55)

Profitability

33th percentile vs peers
34
Key Signals
Strengths
Risks
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Safety

48th percentile vs peers
49
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
- - -
+2094.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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