LM Funding America, Inc. (LMFA) 10-Year Financial Performance & Capital Metrics

LMFA • • Banking & Credit

Financial ServicesCredit ServicesSpecialty & Alternative FinanceDebt Purchasing & Recovery

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 -$136K -154.6%
Total Revenue $11M +77.7%
Net Income -$7M +54.1%
Return on Equity -20.84% +44.0%
Net Interest Margin -0.31% -146.8%
Efficiency Ratio 95.19% -76.4%
ROA -17.89% +49.0%
Equity / Assets 80.24% -13.2%
Book Value per Share 12.59 -17.5%
Tangible BV/Share 10.63 -30.3%
Debt/Equity 0.22 +894.4%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Well capitalized: 80.2% equity/assets
✓Diversified revenue: 97.2% from non-interest income
✓Trading at only 0.0x book value

✗Weaknesses

✗Weak Piotroski F-Score: 3/9
✗Weak NIM of -0.3%
✗High cost structure: 95.2% efficiency ratio
✗Weak momentum: RS Rating 2 (bottom 2%)
✗Shares diluted 23.0% in last year
✗Trading more than 30% below 52-week high

Price & Volume

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Growth Metrics

Revenue CAGR

10Y3.7%

5Y35.48%

3Y-7.77%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM25.6%

EPS CAGR

10Y-

5Y-

3Y-

TTM93.27%

ROCE

10Y Avg-30.69%

5Y Avg-26.3%

3Y Avg-34.57%

Latest-16.43%

Peer Comparison

Debt Purchasing & Recovery

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
JCAPJefferson Capital, Inc. Common Stock	1.4B	22.79	12.59	34.12%	24.3%	0.03%	11.53%	3.12
PRAAPRA Group, Inc.	645.71M	16.55	9.25	37.81%	6.28%	6.56%		2.82
LMFALM Funding America, Inc.	6.64M	0.47	-0.18	77.73%	-66.51%	-15.31%		0.22
SNTGSentage Holdings Inc.	6.03M	2.15	-3.03	-26.64%	-18.65%	-38.49%		0.01

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	4.67M	3.05M	2.32M	1.62M	1.41M	616.6K	682.7K	390.26K	249.59K	-136.38K
NII Growth %	-0.14%	-0.35%	-0.24%	-0.3%	-0.13%	-0.56%	0.11%	-0.43%	-0.36%	-1.55%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	5.59M	3.64M	2.94M	2.08M	1.51M	623.79K	683.35K	394.68K	249.59K	307.32K
Interest Expense	917.49K	594.6K	614.11K	464.81K	102.84K	7.19K	653	4.42K	0	443.7K
Loan Loss Provision	125K	0	1.55M	581	-189.73K	-449.2K	-210K	4.93M	0	6.55M
Non-Interest Income+	1.37M	966.81K	1.23M	1.29M	899.65K	669.74K	13.34M	6.02M	5.94M	10.69M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	6.96M	4.61M	4.16M	3.37M	2.41M	1.29M	14.02M	6.42M	6.19M	11M
Revenue Growth %	-0.09%	-0.34%	-0.1%	-0.19%	-0.29%	-0.46%	9.84%	-0.54%	-0.04%	0.78%
Non-Interest Expense	4.19M	7.69M	7.19M	3.38M	5.58M	5.79M	8.9M	27.93M	25M	10.47M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	1.73M	-3.68M	-5.2M	-472.16K	-3.08M	-4.06M	5.33M	-26.45M	-18.81M	-6.46M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-0.32%	-3.13%	-0.41%	0.91%	-5.52%	-0.32%	2.31%	-5.96%	0.29%	0.66%
Pretax Income+	1.73M	-3.68M	-5.2M	-472.16K	-3.08M	-4.06M	5.33M	-26.45M	-18.81M	-7.66M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	-146.56K	-1.31M	3.43M	0	0	0	326.18K	1.44M	60.57K	0
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	1.73M	-2.37M	-8.63M	-472.16K	-3M	-4.04M	4.76M	-29.24M	-15.94M	-7.32M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-0.27%	-2.37%	-2.64%	0.95%	-5.36%	-0.34%	2.18%	-7.14%	0.45%	0.54%
Net Income (Continuing)	1.87M	-2.37M	-8.63M	-472.16K	-3.08M	-4.06M	5M	-27.88M	-18.88M	-7.66M
EPS (Diluted)+	-0.50	-35.91	-128.38	-2.37	-4.72	-14.94	3.60	-13.41	-6.98	-2.61
EPS Growth %	-1.01%	-70.82%	-2.58%	0.98%	-0.99%	-2.17%	1.24%	-4.72%	0.48%	0.63%
EPS (Basic)	-0.50	-36.00	-128.40	-2.37	-4.73	-14.94	4.18	-13.41	-6.98	-2.61
Diluted Shares Outstanding	66.12K	66K	67.2K	199.34K	636.72K	270.49K	1.32M	2.18M	2.28M	2.81M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	590.39K	1000K	822.91K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	9M	2.27M	590.39K	3.52M	822.91K	11.55M	32.56M	4.24M	2.4M	3.38M
Short Term Investments	0	0	0	1000K	0	0	1000K	892.32K	1000K	27.05K
Total Investments+	0	1.53M	977.41K	2.17M	2.21M	168.77K	4.67M	892.32K	3.43M	232.09K
Investments Growth %	-1%	-	-0.36%	1.22%	0.02%	-0.92%	26.68%	-0.81%	2.85%	-0.93%
Long-Term Investments	0	1.53M	977.41K	662.05K	2.21M	168.77K	0	0	0	205.04K
Accounts Receivables	1000K	1000K	977.41K	662.05K	125.05K	0	0	0	0	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	0	0	0	0	4.04M	0	0	0	0	0
Intangible Assets	0	0	45.21K	21.95K	0	0	0	0	0	5.48M
PP&E (Net)	158.69K	109.94K	69.5K	33.82K	268.55K	166.84K	77.88K	27.46M	24.73M	19.32M
Other Assets	285.34K	767.69K	-792.95K	154.64K	32.1K	29.75K	-77.88K	-27.46M	-24.73M	-205.04K
Total Current Assets	11.81M	4.1M	1.67M	5.21M	1.09M	11.95M	0	0	0	3.41M
Total Non-Current Assets	2.61M	5.91M	299.18K	850.51K	6.55M	365.36K	0	0	0	24.79M
Total Assets+	14.41M	10.01M	1.97M	6.06M	7.64M	12.32M	62.1M	53.19M	37.71M	44.05M
Asset Growth %	1.13%	-0.31%	-0.8%	2.08%	0.26%	0.61%	4.04%	-0.14%	-0.29%	0.17%
Return on Assets (ROA)	0.16%	-0.19%	-1.44%	-0.12%	-0.44%	-0.4%	0.13%	-0.51%	-0.35%	-0.18%
Accounts Payable	0	493.69K	477.95K	188.35K	210.87K	237.03K	0	0	0	989.56K
Total Debt+	7.53M	5.16M	78.06K	42.88K	3.8M	453.69K	182.69K	746K	763.75K	7.7M
Net Debt	-1.47M	2.89M	-512.34K	-3.48M	2.97M	-11.1M	-32.38M	-3.49M	-1.64M	4.32M
Long-Term Debt	7.53M	5.16M	39.03K	0	3.46M	185.78K	0	0	0	6.37M
Short-Term Debt	0	0	39.03K	42.88K	69.54K	96.26K	182.69K	566.6K	677.97K	557.28K
Other Liabilities	524.77K	112.88K	10.32K	19.69K	797.64K	158.4K	0	-179.4K	-85.78K	6.37M
Total Current Liabilities	0	493.69K	1.02M	231.23K	374.64K	436.94K	1.09M	0	0	1.56M
Total Non-Current Liabilities	8.15M	5.35M	49.35K	19.69K	4.43M	412.19K	0	0	0	13.51M
Total Liabilities	8.15M	5.85M	1.07M	250.92K	4.81M	849.12K	1.09M	2.39M	2.85M	8.7M
Total Equity+	6.26M	4.17M	896.98K	5.81M	2.83M	11.47M	61.01M	50.8M	34.86M	35.34M
Equity Growth %	6.53%	-0.33%	-0.78%	5.48%	-0.51%	3.05%	4.32%	-0.17%	-0.31%	0.01%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.67%	-0.45%	-3.41%	-0.14%	-0.7%	-0.57%	0.13%	-0.52%	-0.37%	-0.21%
Book Value per Share	94.74	63.17	13.35	29.14	4.45	42.40	46.18	23.29	15.26	12.59
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	3.3K	3.3K	625	3.13K	3.13K	3.08K	13.02K	13.09K	2.49K	4.6K
Additional Paid-in Capital	6.28M	6.56M	11.91M	17.3M	17.33M	30M	74.53M	92.2M	95.15M	102.69M
Retained Earnings	-20.16K	-2.39M	-11.02M	-11.49M	-14.49M	-18.54M	-13.78M	-43.02M	-58.96M	-65.66M
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

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	2.25M	-3.35M	-1.81M	-758.32K	-1.16M	-3.52M	3.49M	-9.14M	-3.4M	-11.95M
Operating CF Growth %	-0.07%	-2.49%	0.46%	0.58%	-0.53%	-2.04%	1.99%	-3.62%	0.63%	-2.51%
Net Income	1.73M	-2.37M	-8.63M	-472.16K	-3M	-4.04M	5M	-27.88M	-15.94M	-7.66M
Depreciation & Amortization	47.47K	72.11K	95.45K	68.26K	63.76K	11.14K	1.38K	478.02K	4.98M	7.77M
Deferred Taxes	0	0	0	0	1.45M	0	-33.74M	-326.18K	0	0
Other Non-Cash Items	193.49K	-1.31M	6.32M	34.06K	7.04K	-281.07K	29.47M	-246.65K	6.03M	-4.73M
Working Capital Changes	277.51K	-22.32K	373.71K	-413.25K	311.13K	649.09K	-80.8K	1.17M	-1.41M	-7.85M
Cash from Investing+	934.25K	347.49K	891.74K	-1.14M	-1.12M	1.45M	-23.96M	-18.89M	2.3M	379.42K
Purchase of Investments	0	0	0	-1.5M	-1.5M	0	-7.74M	-3.75M	-125K	-7.72M
Sale/Maturity of Investments	0	0	0	0	5K	0	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	51.33K	-246.91K	-34.09M	-3.43M	0	78.81K
Other Investing	978.02K	615.45K	900.41K	356.88K	339.15K	1.7M	1.98M	520.32K	1.4M	-21.45K
Cash from Financing+	3.79M	-3.72M	-759.03K	4.83M	-171.82K	12.56M	41.48M	-299.03K	-731.03K	12.54M
Dividends Paid	-3.9M	0	0	0	0	0	0	0	0	0
Share Repurchases	0	0	0	-1.89K	0	0	0	0	-106.55K	0
Stock Issued	0	0	0	5.21M	0	9.45M	41.7M	0	0	2.15M
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	-1000K	-759.03K	-80.82K	-194.14K	19.99K	-220.36K	-299.03K	-624.48K	1000K
Other Financing	-4.17M	-1.26M	0	-291.76K	0	3.09M	0	0	0	4.77M
Net Change in Cash+	6.97M	-6.73M	-1.68M	2.93M	-2.45M	10.48M	21.01M	-28.32M	-1.84M	976.32K
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	2.03M	9M	2.27M	590.39K	3.52M	1.07M	11.55M	32.56M	4.24M	2.4M
Cash at End	9M	2.27M	590.39K	3.52M	1.07M	11.55M	32.56M	4.24M	2.4M	3.38M
Interest Paid	0	0	334.96K	29.4K	0	7.19K	0	0	0	0
Income Taxes Paid	0	0	0	0	0	0	0	2.06M	0	0
Free Cash Flow+	2.21M	-3.62M	-1.82M	-758.32K	-1.17M	-3.52M	-14.72M	-24.79M	-5.03M	-13.68M
FCF Growth %	-0.03%	-2.64%	0.5%	0.58%	-0.55%	-2%	-3.18%	-0.68%	0.8%	-1.72%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	67.5%	-45.44%	-340.56%	-14.08%	-69.53%	-56.51%	13.13%	-52.3%	-37.23%	-20.84%
Return on Assets (ROA)	16.35%	-19.41%	-143.99%	-11.76%	-43.87%	-40.5%	12.79%	-50.72%	-35.08%	-17.89%
Net Interest Margin	32.41%	30.41%	117.94%	26.73%	18.42%	5.01%	1.1%	0.73%	0.66%	-0.31%
Efficiency Ratio	60.24%	167%	172.82%	100.2%	231.4%	447.98%	63.48%	435.19%	404%	95.19%
Equity / Assets	43.46%	41.63%	45.57%	95.86%	37.1%	93.11%	98.24%	95.5%	92.44%	80.24%
Book Value / Share	94.74	63.17	13.35	29.14	4.45	42.4	46.18	23.29	15.26	12.59
NII Growth	-14.26%	-34.8%	-23.78%	-30.24%	-13.1%	-56.19%	10.72%	-42.84%	-36.05%	-154.64%
Dividend Payout	225.46%	-	-	-	-	-	-	-	-	-

Revenue by Segment

	2022	2023	2024
Mining Operations	945.56K	12.29M	10.43M
Mining Operations Growth	-	1199.67%	-15.11%
Specialty Finance	788.39K	694.96K	567.04K
Specialty Finance Growth	-	-11.85%	-18.41%

Frequently Asked Questions

Growth & Financials

LM Funding America, Inc. (LMFA) grew revenue by 77.7% over the past year. This is strong growth.

LM Funding America, Inc. (LMFA) reported a net loss of $7.4M for fiscal year 2024.

Dividend & Returns

LM Funding America, Inc. (LMFA) has a return on equity (ROE) of -20.8%. Negative ROE indicates the company is unprofitable.

Industry Metrics

LM Funding America, Inc. (LMFA) has a net interest margin (NIM) of -0.3%. NIM has been under pressure due to interest rate environment.

LM Funding America, Inc. (LMFA) has an efficiency ratio of 95.2%. This is higher than peers, suggesting room for cost optimization.

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LM Funding America, Inc. (LMFA) 10-Year Financial Performance & Capital Metrics

LMFA • • Banking & Credit

Financial ServicesCredit ServicesSpecialty & Alternative FinanceDebt Purchasing & Recovery

Net Interest Income -$136K -154.6%
Total Revenue $11M +77.7%
Net Income -$7M +54.1%
Return on Equity -20.84% +44.0%
Net Interest Margin -0.31% -146.8%
Efficiency Ratio 95.19% -76.4%
ROA -17.89% +49.0%
Equity / Assets 80.24% -13.2%
Book Value per Share 12.59 -17.5%
Tangible BV/Share 10.63 -30.3%
Debt/Equity 0.22 +894.4%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Well capitalized: 80.2% equity/assets
✓Diversified revenue: 97.2% from non-interest income
✓Trading at only 0.0x book value

✗Weaknesses

✗Weak Piotroski F-Score: 3/9
✗Weak NIM of -0.3%
✗High cost structure: 95.2% efficiency ratio
✗Weak momentum: RS Rating 2 (bottom 2%)
✗Shares diluted 23.0% in last year
✗Trading more than 30% below 52-week high

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y3.7%

5Y35.48%

3Y-7.77%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM25.6%

EPS CAGR

10Y-

5Y-

3Y-

TTM93.27%

ROCE

10Y Avg-30.69%

5Y Avg-26.3%

3Y Avg-34.57%

Latest-16.43%

Peer Comparison

Debt Purchasing & Recovery

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
JCAPJefferson Capital, Inc. Common Stock	1.4B	22.79	12.59	34.12%	24.3%	0.03%	11.53%	3.12
PRAAPRA Group, Inc.	645.71M	16.55	9.25	37.81%	6.28%	6.56%		2.82
LMFALM Funding America, Inc.	6.64M	0.47	-0.18	77.73%	-66.51%	-15.31%		0.22
SNTGSentage Holdings Inc.	6.03M	2.15	-3.03	-26.64%	-18.65%	-38.49%		0.01

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	4.67M	3.05M	2.32M	1.62M	1.41M	616.6K	682.7K	390.26K	249.59K	-136.38K
NII Growth %	-0.14%	-0.35%	-0.24%	-0.3%	-0.13%	-0.56%	0.11%	-0.43%	-0.36%	-1.55%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	5.59M	3.64M	2.94M	2.08M	1.51M	623.79K	683.35K	394.68K	249.59K	307.32K
Interest Expense	917.49K	594.6K	614.11K	464.81K	102.84K	7.19K	653	4.42K	0	443.7K
Loan Loss Provision	125K	0	1.55M	581	-189.73K	-449.2K	-210K	4.93M	0	6.55M
Non-Interest Income+	1.37M	966.81K	1.23M	1.29M	899.65K	669.74K	13.34M	6.02M	5.94M	10.69M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	6.96M	4.61M	4.16M	3.37M	2.41M	1.29M	14.02M	6.42M	6.19M	11M
Revenue Growth %	-0.09%	-0.34%	-0.1%	-0.19%	-0.29%	-0.46%	9.84%	-0.54%	-0.04%	0.78%
Non-Interest Expense	4.19M	7.69M	7.19M	3.38M	5.58M	5.79M	8.9M	27.93M	25M	10.47M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	1.73M	-3.68M	-5.2M	-472.16K	-3.08M	-4.06M	5.33M	-26.45M	-18.81M	-6.46M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-0.32%	-3.13%	-0.41%	0.91%	-5.52%	-0.32%	2.31%	-5.96%	0.29%	0.66%
Pretax Income+	1.73M	-3.68M	-5.2M	-472.16K	-3.08M	-4.06M	5.33M	-26.45M	-18.81M	-7.66M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	-146.56K	-1.31M	3.43M	0	0	0	326.18K	1.44M	60.57K	0
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	1.73M	-2.37M	-8.63M	-472.16K	-3M	-4.04M	4.76M	-29.24M	-15.94M	-7.32M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-0.27%	-2.37%	-2.64%	0.95%	-5.36%	-0.34%	2.18%	-7.14%	0.45%	0.54%
Net Income (Continuing)	1.87M	-2.37M	-8.63M	-472.16K	-3.08M	-4.06M	5M	-27.88M	-18.88M	-7.66M
EPS (Diluted)+	-0.50	-35.91	-128.38	-2.37	-4.72	-14.94	3.60	-13.41	-6.98	-2.61
EPS Growth %	-1.01%	-70.82%	-2.58%	0.98%	-0.99%	-2.17%	1.24%	-4.72%	0.48%	0.63%
EPS (Basic)	-0.50	-36.00	-128.40	-2.37	-4.73	-14.94	4.18	-13.41	-6.98	-2.61
Diluted Shares Outstanding	66.12K	66K	67.2K	199.34K	636.72K	270.49K	1.32M	2.18M	2.28M	2.81M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	590.39K	1000K	822.91K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	9M	2.27M	590.39K	3.52M	822.91K	11.55M	32.56M	4.24M	2.4M	3.38M
Short Term Investments	0	0	0	1000K	0	0	1000K	892.32K	1000K	27.05K
Total Investments+	0	1.53M	977.41K	2.17M	2.21M	168.77K	4.67M	892.32K	3.43M	232.09K
Investments Growth %	-1%	-	-0.36%	1.22%	0.02%	-0.92%	26.68%	-0.81%	2.85%	-0.93%
Long-Term Investments	0	1.53M	977.41K	662.05K	2.21M	168.77K	0	0	0	205.04K
Accounts Receivables	1000K	1000K	977.41K	662.05K	125.05K	0	0	0	0	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	0	0	0	0	4.04M	0	0	0	0	0
Intangible Assets	0	0	45.21K	21.95K	0	0	0	0	0	5.48M
PP&E (Net)	158.69K	109.94K	69.5K	33.82K	268.55K	166.84K	77.88K	27.46M	24.73M	19.32M
Other Assets	285.34K	767.69K	-792.95K	154.64K	32.1K	29.75K	-77.88K	-27.46M	-24.73M	-205.04K
Total Current Assets	11.81M	4.1M	1.67M	5.21M	1.09M	11.95M	0	0	0	3.41M
Total Non-Current Assets	2.61M	5.91M	299.18K	850.51K	6.55M	365.36K	0	0	0	24.79M
Total Assets+	14.41M	10.01M	1.97M	6.06M	7.64M	12.32M	62.1M	53.19M	37.71M	44.05M
Asset Growth %	1.13%	-0.31%	-0.8%	2.08%	0.26%	0.61%	4.04%	-0.14%	-0.29%	0.17%
Return on Assets (ROA)	0.16%	-0.19%	-1.44%	-0.12%	-0.44%	-0.4%	0.13%	-0.51%	-0.35%	-0.18%
Accounts Payable	0	493.69K	477.95K	188.35K	210.87K	237.03K	0	0	0	989.56K
Total Debt+	7.53M	5.16M	78.06K	42.88K	3.8M	453.69K	182.69K	746K	763.75K	7.7M
Net Debt	-1.47M	2.89M	-512.34K	-3.48M	2.97M	-11.1M	-32.38M	-3.49M	-1.64M	4.32M
Long-Term Debt	7.53M	5.16M	39.03K	0	3.46M	185.78K	0	0	0	6.37M
Short-Term Debt	0	0	39.03K	42.88K	69.54K	96.26K	182.69K	566.6K	677.97K	557.28K
Other Liabilities	524.77K	112.88K	10.32K	19.69K	797.64K	158.4K	0	-179.4K	-85.78K	6.37M
Total Current Liabilities	0	493.69K	1.02M	231.23K	374.64K	436.94K	1.09M	0	0	1.56M
Total Non-Current Liabilities	8.15M	5.35M	49.35K	19.69K	4.43M	412.19K	0	0	0	13.51M
Total Liabilities	8.15M	5.85M	1.07M	250.92K	4.81M	849.12K	1.09M	2.39M	2.85M	8.7M
Total Equity+	6.26M	4.17M	896.98K	5.81M	2.83M	11.47M	61.01M	50.8M	34.86M	35.34M
Equity Growth %	6.53%	-0.33%	-0.78%	5.48%	-0.51%	3.05%	4.32%	-0.17%	-0.31%	0.01%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.67%	-0.45%	-3.41%	-0.14%	-0.7%	-0.57%	0.13%	-0.52%	-0.37%	-0.21%
Book Value per Share	94.74	63.17	13.35	29.14	4.45	42.40	46.18	23.29	15.26	12.59
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	3.3K	3.3K	625	3.13K	3.13K	3.08K	13.02K	13.09K	2.49K	4.6K
Additional Paid-in Capital	6.28M	6.56M	11.91M	17.3M	17.33M	30M	74.53M	92.2M	95.15M	102.69M
Retained Earnings	-20.16K	-2.39M	-11.02M	-11.49M	-14.49M	-18.54M	-13.78M	-43.02M	-58.96M	-65.66M
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

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	2.25M	-3.35M	-1.81M	-758.32K	-1.16M	-3.52M	3.49M	-9.14M	-3.4M	-11.95M
Operating CF Growth %	-0.07%	-2.49%	0.46%	0.58%	-0.53%	-2.04%	1.99%	-3.62%	0.63%	-2.51%
Net Income	1.73M	-2.37M	-8.63M	-472.16K	-3M	-4.04M	5M	-27.88M	-15.94M	-7.66M
Depreciation & Amortization	47.47K	72.11K	95.45K	68.26K	63.76K	11.14K	1.38K	478.02K	4.98M	7.77M
Deferred Taxes	0	0	0	0	1.45M	0	-33.74M	-326.18K	0	0
Other Non-Cash Items	193.49K	-1.31M	6.32M	34.06K	7.04K	-281.07K	29.47M	-246.65K	6.03M	-4.73M
Working Capital Changes	277.51K	-22.32K	373.71K	-413.25K	311.13K	649.09K	-80.8K	1.17M	-1.41M	-7.85M
Cash from Investing+	934.25K	347.49K	891.74K	-1.14M	-1.12M	1.45M	-23.96M	-18.89M	2.3M	379.42K
Purchase of Investments	0	0	0	-1.5M	-1.5M	0	-7.74M	-3.75M	-125K	-7.72M
Sale/Maturity of Investments	0	0	0	0	5K	0	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	51.33K	-246.91K	-34.09M	-3.43M	0	78.81K
Other Investing	978.02K	615.45K	900.41K	356.88K	339.15K	1.7M	1.98M	520.32K	1.4M	-21.45K
Cash from Financing+	3.79M	-3.72M	-759.03K	4.83M	-171.82K	12.56M	41.48M	-299.03K	-731.03K	12.54M
Dividends Paid	-3.9M	0	0	0	0	0	0	0	0	0
Share Repurchases	0	0	0	-1.89K	0	0	0	0	-106.55K	0
Stock Issued	0	0	0	5.21M	0	9.45M	41.7M	0	0	2.15M
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	-1000K	-759.03K	-80.82K	-194.14K	19.99K	-220.36K	-299.03K	-624.48K	1000K
Other Financing	-4.17M	-1.26M	0	-291.76K	0	3.09M	0	0	0	4.77M
Net Change in Cash+	6.97M	-6.73M	-1.68M	2.93M	-2.45M	10.48M	21.01M	-28.32M	-1.84M	976.32K
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	2.03M	9M	2.27M	590.39K	3.52M	1.07M	11.55M	32.56M	4.24M	2.4M
Cash at End	9M	2.27M	590.39K	3.52M	1.07M	11.55M	32.56M	4.24M	2.4M	3.38M
Interest Paid	0	0	334.96K	29.4K	0	7.19K	0	0	0	0
Income Taxes Paid	0	0	0	0	0	0	0	2.06M	0	0
Free Cash Flow+	2.21M	-3.62M	-1.82M	-758.32K	-1.17M	-3.52M	-14.72M	-24.79M	-5.03M	-13.68M
FCF Growth %	-0.03%	-2.64%	0.5%	0.58%	-0.55%	-2%	-3.18%	-0.68%	0.8%	-1.72%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	67.5%	-45.44%	-340.56%	-14.08%	-69.53%	-56.51%	13.13%	-52.3%	-37.23%	-20.84%
Return on Assets (ROA)	16.35%	-19.41%	-143.99%	-11.76%	-43.87%	-40.5%	12.79%	-50.72%	-35.08%	-17.89%
Net Interest Margin	32.41%	30.41%	117.94%	26.73%	18.42%	5.01%	1.1%	0.73%	0.66%	-0.31%
Efficiency Ratio	60.24%	167%	172.82%	100.2%	231.4%	447.98%	63.48%	435.19%	404%	95.19%
Equity / Assets	43.46%	41.63%	45.57%	95.86%	37.1%	93.11%	98.24%	95.5%	92.44%	80.24%
Book Value / Share	94.74	63.17	13.35	29.14	4.45	42.4	46.18	23.29	15.26	12.59
NII Growth	-14.26%	-34.8%	-23.78%	-30.24%	-13.1%	-56.19%	10.72%	-42.84%	-36.05%	-154.64%
Dividend Payout	225.46%	-	-	-	-	-	-	-	-	-

Revenue by Segment

	2022	2023	2024
Mining Operations	945.56K	12.29M	10.43M
Mining Operations Growth	-	1199.67%	-15.11%
Specialty Finance	788.39K	694.96K	567.04K
Specialty Finance Growth	-	-11.85%	-18.41%

Frequently Asked Questions

Growth & Financials

LM Funding America, Inc. (LMFA) grew revenue by 77.7% over the past year. This is strong growth.

LM Funding America, Inc. (LMFA) reported a net loss of $7.4M for fiscal year 2024.

Dividend & Returns

LM Funding America, Inc. (LMFA) has a return on equity (ROE) of -20.8%. Negative ROE indicates the company is unprofitable.

Industry Metrics

LM Funding America, Inc. (LMFA) has a net interest margin (NIM) of -0.3%. NIM has been under pressure due to interest rate environment.

LM Funding America, Inc. (LMFA) has an efficiency ratio of 95.2%. This is higher than peers, suggesting room for cost optimization.