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LM Funding America, Inc.(LMFA)Earnings, Financials & Key Ratios
LMFA•NASDAQ•Banking & Credit
Price updated Jun 19, 2026
AboutLM Funding America, Inc. operates as a specialty finance company. It provides funding to nonprofit community associations (Associations) primarily located in the state of Florida, as well as in the states of Washington, Colorado, and Illinois. The company offers funding to Associations by purchasing their rights under delinquent accounts that are selected by the Associations arising from unpaid Association assessments. It is also involved in the business of purchasing delinquent accounts on various terms tailored to suit each Association's financial needs, including under its New Neighbor Guaranty program. LM Funding America, Inc. was founded in 2008 and is based in Tampa, Florida.Show more
- Net Interest Income$8M+5683.0%
- Total Revenue$9M-20.1%
- Net Income-$27M-268.0%
- Return on Equity-83.84%-302.3%
- Net Interest Margin14.84%+4892.2%
- Efficiency Ratio60.08%-36.9%
- ROA-56.46%-215.5%
- Equity / Assets56.27%-29.9%
- Book Value per Share3.32-73.6%
LMFA Key Insights
LM Funding America, Inc. (LMFA) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong NIM of 14.8%
- ✓Well capitalized: 56.3% equity/assets
- ✓Trading at only 0.1x book value
✗Weaknesses
- ✗Profits declining 46.1% over 5 years
- ✗Weak Piotroski F-Score: 1/9
- ✗Weak momentum: RS Rating 4 (bottom 4%)
- ✗Shares diluted 100.0% in last year
- ✗Trading more than 30% below 52-week high
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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LMFA Price & Volume
LM Funding America, Inc. (LMFA) stock price & volume — 10-year historical chart
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LMFA Growth Metrics
LM Funding America, Inc. (LMFA) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years2.36%
5 Years46.71%
3 Years11.07%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-132.82%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM50.57%
Return on Capital
10 Years-37.11%
5 Years-27.4%
3 Years-35.25%
Last Year-47.91%
LMFA Peer Comparison
LM Funding America, Inc. (LMFA) competitors in Debt Collection and Collateral Lending — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 MARA | 5.42B | 14.22 | -3.85 | 38.2% | -234.83% | -51.65% | 1.05 | |
 RIOT | 10.65B | 28.10 | -14.41 | 71.89% | -132.76% | -28.78% | 0.10 | |
 CLSK | 4.42B | 17.24 | 15.39 | 102.21% | -67.66% | -29.93% | 0.38 | |
 CIFR | 11.84B | 29.18 | -13.57 | 48.04% | -5.13% | -115.53% | 3.31 | |
 IREN | 21.4B | 59.96 | 153.74 | 167.65% | 31.71% | 9.12% | 0.53 | |
 HUT | 14.01B | 124.44 | -58.15 | -90.71% | -17.66% | 0.25 | ||
 BTBT | 706.64M | 2.17 | -7 | -30.65% | -146.01% | -0.11% | 0.16 | |
 BITF | 1.29B | 2.16 | -16.62 | 18.87% | -197.58% | -69.94% | 1.22 |
Compare LMFA vs Peers
LM Funding America, Inc. (LMFA) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
LMFA Income Statement
LM Funding America, Inc. (LMFA) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 2.32M | 1.62M | 1.41M | 616.6K | 682.7K | 390.26K | 249.59K | -136.38K | 7.61M | 3.22M |
NII Growth % | -23.78% | -30.24% | -13.1% | -56.19% | 10.72% | -42.84% | -36.05% | -154.64% | 5683.01% | 6432.09% |
Net Interest Margin % | 117.94% | 26.73% | 18.42% | 5.01% | 1.1% | 0.73% | 0.66% | -0.31% | 14.84% | 7.7% |
Interest Income | 2.94M | 2.08M | 1.51M | 623.79K | 683.35K | 394.68K | 249.59K | 307.32K | 8.74M | 4.43M |
Interest Expense | 614.11K | 464.81K | 102.84K | 7.19K | 653 | 4.42K | 0 | 443.7K | 1.12M | 1.21M |
Loan Loss Provision | 1.55M | 581 | -189.73K | -449.2K | -210K | 4.93M | 0 | 6.55M | 20.51M | 8.15M |
Non-Interest Income | 1.23M | 1.29M | 899.65K | 669.74K | 13.34M | 6.02M | 5.94M | 10.69M | 53.01K | 7.66M |
Non-Interest Income % | 29.49% | 38.16% | 37.33% | 51.78% | 95.13% | 93.85% | 95.97% | 97.21% | 0.6% | 63.36% |
Total Revenue | 4.16M▲ 0% | 3.37M▼ 19.0% | 2.41M▼ 28.5% | 1.29M▼ 46.3% | 14.02M▲ 983.9% | 6.42M▼ 54.2% | 6.19M▼ 3.6% | 11M▲ 77.7% | 8.79M▼ 20.1% | 12.09M▲ 0% |
Revenue Growth % | -9.63% | -19.04% | -28.5% | -46.32% | 983.9% | -54.23% | -3.56% | 77.73% | -20.07% | 4372.02% |
Non-Interest Expense | 7.19M | 3.38M | 5.58M | 5.79M | 8.9M | 27.93M | 25M | 10.47M | 5.28M | 27.61M |
Efficiency Ratio | 172.82% | 100.2% | 231.4% | 447.98% | 63.48% | 435.19% | 404% | 95.19% | 60.08% | 228.39% |
Operating Income | -5.2M▲ 0% | -472.16K▲ 90.9% | -3.08M▼ 552.3% | -4.06M▼ 31.8% | 5.33M▲ 231.3% | -26.45M▼ 596.2% | -18.81M▲ 28.9% | -6.46M▲ 65.7% | -18.13M▼ 180.6% | -24.88M▲ 0% |
Operating Margin % | -124.8% | -14.01% | -127.8% | -313.81% | 38.01% | -412.09% | -304% | -58.74% | -206.19% | -205.82% |
Operating Income Growth % | -41.13% | 90.91% | -552.27% | -31.8% | 231.29% | -596.22% | 28.85% | 65.66% | -180.56% | - |
Pretax Income | -5.2M▲ 0% | -472.16K▲ 90.9% | -3.08M▼ 552.3% | -4.06M▼ 31.8% | 5.33M▲ 231.3% | -26.45M▼ 596.2% | -18.81M▲ 28.9% | -7.66M▲ 59.3% | -26.98M▼ 252.4% | -32.03M▲ 0% |
Pretax Margin % | -124.8% | -14.01% | -127.8% | -313.81% | 38.01% | -412.09% | -304% | -69.6% | -306.81% | -264.99% |
Income Tax | 3.43M | 0 | 0 | 0 | 326.18K | 1.44M | 60.57K | 0 | 0 | 0 |
Effective Tax Rate % | -66.05% | 0% | 0% | 0% | 6.12% | -5.44% | -0.32% | 0% | 0% | 0% |
Net Income | -8.63M▲ 0% | -472.16K▲ 94.5% | -3M▼ 536.4% | -4.04M▼ 34.5% | 4.76M▲ 217.8% | -29.24M▼ 714.4% | -15.94M▲ 45.5% | -7.32M▲ 54.1% | -26.92M▼ 268.0% | -31.99M▲ 0% |
Net Margin % | -207.22% | -14.01% | -124.69% | -312.44% | 33.94% | -455.64% | -257.62% | -66.51% | -306.19% | -264.63% |
Net Income Growth % | -263.96% | 94.53% | -536.41% | -34.5% | 217.76% | -714.39% | 45.47% | 54.12% | -267.99% | -132.82% |
Net Income (Continuing) | -8.63M | -472.16K | -3.08M | -4.06M | 5M | -27.88M | -18.88M | -7.66M | -26.98M | -32.03M |
EPS (Diluted) | -128.38▲ 0% | -2.37▲ 98.2% | -4.72▼ 99.2% | -14.94▼ 216.5% | 0.88▲ 105.9% | -13.41▼ 1623.9% | -6.98▲ 47.9% | -2.61▲ 62.6% | -3.28▼ 25.7% | -1.49▲ 0% |
EPS Growth % | -257.5% | 98.15% | -99.16% | -216.53% | 105.89% | -1623.86% | 47.95% | 62.61% | -25.67% | 50.57% |
EPS (Basic) | -128.40 | -2.37 | -4.73 | -14.94 | 0.88 | -13.41 | -6.98 | -2.61 | -3.28 | - |
Diluted Shares Outstanding | 67.2K | 199.34K | 636.72K | 270.49K | 5.42M | 2.18M | 2.28M | 2.81M | 8.7M | 21.46M |
LMFA Balance Sheet
LM Funding America, Inc. (LMFA) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 590.39K | 5.03M | 822.91K | 11.55M | 37.23M | 5.13M | 5.84M | 3.41M | 1.46M | 14.85M |
Cash & Due from Banks | 590.39K | 3.52M | 822.91K | 11.55M | 32.56M | 4.24M | 2.4M | 3.38M | 1.42M | 801.2K |
Short Term Investments | 0 | 1.51M | 0 | 0 | 4.67M | 892.32K | 3.43M | 27.05K | 37.38K | 35K |
Total Investments | 977.41K | 2.17M | 2.21M | 168.77K | 4.67M | 892.32K | 3.43M | 232.09K | 62.45K | 35K |
Investments Growth % | -36.01% | 121.96% | 1.74% | -92.35% | 2667.84% | -80.9% | 284.85% | -93.24% | -73.09% | 103.14% |
Long-Term Investments | 977.41K | 662.05K | 2.21M | 168.77K | 0 | 0 | 0 | 205.04K | 25.07K | 112.59K |
Accounts Receivables | 977.41K | 662.05K | 125.05K | 0 | 0 | 0 | 0 | 0 | 48.72K | 11.88M |
Goodwill & Intangibles | 45.21K | 21.95K | 4.04M | 0 | 0 | 0 | 0 | 5.48M | 16.76M | 6.26M |
Goodwill | 0 | 0 | 4.04M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Intangible Assets | 45.21K | 21.95K | 0 | 0 | 0 | 0 | 0 | 5.48M | 16.76M | 6.26M |
PP&E (Net) | 69.5K | 33.82K | 268.55K | 166.84K | 77.88K | 27.46M | 24.73M | 19.32M | 10.65M | 10.03M |
Other Assets | -792.95K | 154.64K | 32.1K | 29.75K | -77.88K | -27.46M | -24.73M | -205.04K | 22.37M | 0 |
Total Current Assets | 1.67M | 5.21M | 1.09M | 11.95M | 0 | 0 | 0 | 3.41M | 1.51M | 12.72M |
Total Non-Current Assets | 299.18K | 850.51K | 6.55M | 365.36K | 0 | 0 | 0 | 24.79M | 49.81M | 16.3M |
Total Assets | 1.97M▲ 0% | 6.06M▲ 207.9% | 7.64M▲ 26.1% | 12.32M▲ 61.2% | 62.1M▲ 404.2% | 53.19M▼ 14.4% | 37.71M▼ 29.1% | 44.05M▲ 16.8% | 51.32M▲ 16.5% | 41.75M▲ 0% |
Asset Growth % | -80.35% | 207.86% | 26.09% | 61.21% | 404.2% | -14.35% | -29.1% | 16.8% | 16.5% | 102.22% |
Return on Assets (ROA) | -143.99% | -11.76% | -43.87% | -40.5% | 12.79% | -50.72% | -35.08% | -17.89% | -56.46% | -66.55% |
Accounts Payable | 477.95K | 188.35K | 210.87K | 237.03K | 0 | 0 | 0 | 989.56K | 0 | 0 |
Total Debt | 78.06K | 42.88K | 3.8M | 453.69K | 182.69K | 746K | 763.75K | 7.7M | 20.65M | 20.41M |
Net Debt | -512.34K | -3.48M | 2.97M | -11.1M | -32.38M | -3.49M | -1.64M | 4.32M | 19.22M | 19.6M |
Long-Term Debt | 39.03K | 0 | 3.46M | 185.78K | 0 | 0 | 0 | 6.37M | 1.93M | 1.94M |
Short-Term Debt | 39.03K | 42.88K | 69.54K | 96.26K | 182.69K | 566.6K | 677.97K | 557.28K | 18.12M | 17.89M |
Other Liabilities | 10.32K | 19.69K | 797.64K | 158.4K | 0 | -179.4K | -85.78K | 6.37M | 1.79M | 2.25M |
Total Current Liabilities | 1.02M | 231.23K | 374.64K | 436.94K | 1.09M | 0 | 0 | 1.56M | 18.12M | 17.89M |
Total Non-Current Liabilities | 49.35K | 19.69K | 4.43M | 412.19K | 0 | 0 | 0 | 13.51M | 4.32M | 4.77M |
Total Liabilities | 1.07M | 250.92K | 4.81M | 849.12K | 1.09M | 2.39M | 2.85M | 8.7M | 22.44M | 22.66M |
Total Equity | 896.98K▲ 0% | 5.81M▲ 547.6% | 2.83M▼ 51.2% | 11.47M▲ 304.5% | 61.01M▲ 432.0% | 50.8M▼ 16.7% | 34.86M▼ 31.4% | 35.34M▲ 1.4% | 28.88M▼ 18.3% | 19.09M▲ 0% |
Equity Growth % | -78.49% | 547.58% | -51.19% | 304.54% | 431.99% | -16.74% | -31.37% | 1.38% | -18.29% | 11.71% |
Equity / Assets (Capital Ratio) | 45.57% | 95.86% | 37.1% | 93.11% | 98.24% | 95.5% | 92.44% | 80.24% | 56.27% | 45.73% |
Return on Equity (ROE) | -340.56% | -14.08% | -69.53% | -56.51% | 13.13% | -52.3% | -37.23% | -20.84% | -83.84% | -101.15% |
Book Value per Share | 13.35 | 29.14 | 4.45 | 42.40 | 11.25 | 23.29 | 15.26 | 12.59 | 3.32 | 0.89 |
Tangible BV per Share | 12.68 | 29.03 | -1.89 | 42.40 | 11.25 | 23.29 | 15.26 | 10.63 | 1.39 | 0.60 |
Common Stock | 625 | 3.13K | 3.13K | 3.08K | 13.02K | 13.09K | 2.49K | 4.6K | 13.59K | 15.63K |
Additional Paid-in Capital | 11.91M | 17.3M | 17.33M | 30M | 74.53M | 92.2M | 95.15M | 102.69M | 123.19M | 123.52M |
Retained Earnings | -11.02M | -11.49M | -14.49M | -18.54M | -13.78M | -43.02M | -58.96M | -65.66M | -92.58M | -102.7M |
Accumulated OCI | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
LMFA Cash Flow Statement
LM Funding America, Inc. (LMFA) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | -1.81M | -758.32K | -1.16M | -3.52M | 3.49M | -9.14M | -3.4M | -11.95M | -13.99M | -14.38M |
Operating CF Growth % | 46% | 58.12% | -53.04% | -203.59% | 198.98% | -361.98% | 62.73% | -250.88% | -17.09% | -80.11% |
Net Income | -8.63M | -472.16K | -3M | -4.04M | 5M | -27.88M | -15.94M | -7.66M | -26.92M | -31.99M |
Depreciation & Amortization | 95.45K | 68.26K | 63.76K | 11.14K | 1.38K | 478.02K | 4.98M | 7.77M | 8.17M | 6.96M |
Deferred Taxes | 0 | 0 | 1.45M | 0 | -33.74M | -326.18K | 0 | 0 | 0 | 0 |
Other Non-Cash Items | 6.32M | 34.06K | 7.04K | -281.07K | 29.47M | -246.65K | 6.03M | -4.73M | 12.02M | 17.39M |
Working Capital Changes | 373.71K | -413.25K | 311.13K | 649.09K | -80.8K | 1.17M | -1.41M | -7.85M | -7.26M | -7.09M |
Cash from Investing | 891.74K | -1.14M | -1.12M | 1.45M | -23.96M | -18.89M | 2.3M | 379.42K | -19.54M | -17.4M |
Purchase of Investments | 0 | -1.5M | -1.5M | 0 | -7.74M | -3.75M | -125K | -7.72M | -22.82M | -22.79M |
Sale/Maturity of Investments | 0 | 0 | 5K | 0 | 34.09M | 3.43M | 2.65M | 9.77M | 200K | 0 |
Net Investment Activity | 0 | -1.5M | -1.5M | 0 | 26.35M | -318.35K | 2.53M | 2.05M | -22.62M | -22.79M |
Acquisitions | 0 | 0 | 51.33K | -246.91K | -34.09M | -3.43M | 0 | 78.81K | -4.23M | -4.23M |
Other Investing | 900.41K | 356.88K | 339.15K | 1.7M | 1.98M | 520.32K | 1.4M | -21.45K | 9.52M | 11.39M |
Cash from Financing | -759.03K | 4.83M | -171.82K | 12.56M | 41.48M | -299.03K | -731.03K | 12.54M | 31.58M | 31.55M |
Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Share Repurchases | 0 | -1.89K | 0 | 0 | 0 | 0 | -106.55K | 0 | -7.97M | -7.97M |
Stock Issued | 0 | 5.21M | 0 | 9.45M | 41.7M | 0 | 0 | 2.15M | 27.36M | 27.37M |
Net Stock Activity | 0 | 5.2M | 0 | 9.45M | 41.7M | 0 | -106.55K | 2.15M | 19.39M | 19.4M |
Debt Issuance (Net) | -759.03K | -80.82K | -194.14K | 19.99K | -220.36K | -299.03K | -624.48K | 1000K | 1000K | 374.27K |
Other Financing | 0 | -291.76K | 0 | 3.09M | 0 | 0 | 0 | 4.77M | 0 | 1.24M |
Net Change in Cash | -1.68M▲ 0% | 2.93M▲ 274.7% | -2.45M▼ 183.6% | 10.48M▲ 527.7% | 21.01M▲ 100.4% | -28.32M▼ 234.8% | -1.84M▲ 93.5% | 976.32K▲ 153.2% | -1.95M▼ 300.1% | -227.67K▲ 0% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -572 | -572 |
Cash at Beginning | 2.27M | 590.39K | 3.52M | 1.07M | 11.55M | 32.56M | 4.24M | 2.4M | 3.38M | 1.42M |
Cash at End | 590.39K | 3.52M | 1.07M | 11.55M | 32.56M | 4.24M | 2.4M | 3.38M | 1.42M | 801.2K |
Interest Paid | 334.96K | 29.4K | 0 | 7.19K | 0 | 0 | 0 | 0 | 0 | 0 |
Income Taxes Paid | 0 | 0 | 0 | 0 | 0 | 2.06M | 0 | 0 | 0 | 0 |
Free Cash Flow | -1.82M▲ 0% | -758.32K▲ 58.3% | -1.17M▼ 54.9% | -3.52M▼ 200.1% | -14.72M▼ 317.7% | -24.79M▼ 68.4% | -5.03M▲ 79.7% | -13.68M▼ 171.9% | -16.2M▼ 18.4% | -16.14M▲ 0% |
FCF Growth % | 49.76% | 58.32% | -54.89% | -200.06% | -317.71% | -68.38% | 79.71% | -171.94% | -18.4% | -27.32% |
LMFA Banking Ratios
LM Funding America, Inc. (LMFA) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | -340.56% | -14.08% | -69.53% | -56.51% | 13.13% | -52.3% | -37.23% | -20.84% | -83.84% | -101.15% |
Return on Assets (ROA) | -143.99% | -11.76% | -43.87% | -40.5% | 12.79% | -50.72% | -35.08% | -17.89% | -56.46% | -66.55% |
Net Interest Margin | 117.94% | 26.73% | 18.42% | 5.01% | 1.1% | 0.73% | 0.66% | -0.31% | 14.84% | 7.7% |
Efficiency Ratio | 172.82% | 100.2% | 231.4% | 447.98% | 63.48% | 435.19% | 404% | 95.19% | 60.08% | 228.39% |
Equity / Assets | 45.57% | 95.86% | 37.1% | 93.11% | 98.24% | 95.5% | 92.44% | 80.24% | 56.27% | 45.73% |
Book Value / Share | 13.35 | 29.14 | 4.45 | 42.4 | 11.25 | 23.29 | 15.26 | 12.59 | 3.32 | 0.89 |
NII Growth | -23.78% | -30.24% | -13.1% | -56.19% | 10.72% | -42.84% | -36.05% | -154.64% | 5683.01% | 1192.2% |
Dividend Payout | - | - | - | - | - | - | - | - | - | 0% |
Related:LMFA Dividend History·LMFA Revenue History·LMFA Price History·LMFA P/E History·LMFA Financial Ratios·LMFA Institutional Holders
LMFA SEC Filings & Documents
LM Funding America, Inc. (LMFA) SEC filings — annual & quarterly reports (10-K, 10-Q)
LMFA Frequently Asked Questions
LM Funding America, Inc. (LMFA) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
LM Funding America, Inc. (LMFA) saw revenue decline by 20.1% over the past year.
LM Funding America, Inc. (LMFA) reported a net loss of $32.0M for fiscal year 2025.
Dividend & Returns
LM Funding America, Inc. (LMFA) has a return on equity (ROE) of -83.8%. Negative ROE indicates the company is unprofitable.
Industry Metrics
LM Funding America, Inc. (LMFA) has a net interest margin (NIM) of 14.8%. This indicates healthy earnings from lending activities.
LM Funding America, Inc. (LMFA) has an efficiency ratio of 60.1%. This is reasonable for a bank.