LM Funding America, Inc.(LMFA)Earnings, Financials & Key Ratios
LMFA•NASDAQ•Banking & Credit
$0.25
$705105 mkt cap·Price updated May 6, 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-$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 Ratio95.19%-76.4%
- ROA-17.89%+49.0%
- Equity / Assets80.24%-13.2%
- Book Value per Share12.59-17.5%
- Tangible BV/Share10.63-30.3%
- Debt/Equity0.22+894.4%
LMFA Key Insights
LM Funding America, Inc. (LMFA) fundamental analysis — strengths, weaknesses & financial health based on 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 4 (bottom 4%)
- ✗Shares diluted 23.0% 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.
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 Years3.7%
5 Years35.48%
3 Years-7.77%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM25.6%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM93.27%
Return on Capital
10 Years-30.69%
5 Years-26.3%
3 Years-34.57%
Last Year-16.43%
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 | 4.95B | 13.03 | -3.53 | 38.2% | -30.54% | 1.05 | ||
 RIOT | 8.98B | 23.68 | -12.14 | 71.89% | -28.78% | 0.10 | ||
 CLSK | 3.71B | 14.50 | 12.95 | 102.21% | -33.25% | -13.75% | 0.38 | |
 CIFR | 8.89B | 21.91 | -10.19 | 48.04% | -115.53% | 3.31 | ||
 IREN | 20.26B | 60.98 | 156.36 | 167.65% | -0.64% | 0.53 | ||
 HUT | 12.08B | 108.94 | -50.91 | -90.71% | -17.66% | 0.25 | ||
 BTBT | 621.7M | 1.93 | 9.65 | 264.59% | 21.41% | 0.03 | ||
 BITF | 1.29B | 2.16 | -16.62 | 31.78% | -21.32% | 0.04 |
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
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 3.05M | 2.32M | 1.62M | 1.41M | 616.6K | 682.7K | 390.26K | 249.59K | -136.38K | -475.19K |
| NII Growth % | -34.8% | -23.78% | -30.24% | -13.1% | -56.19% | 10.72% | -42.84% | -36.05% | -154.64% | -1382.79% |
| Net Interest Margin % | 30.41% | 117.94% | 26.73% | 18.42% | 5.01% | 1.1% | 0.73% | 0.66% | -0.31% | -0.79% |
| Interest Income | 3.64M | 2.94M | 2.08M | 1.51M | 623.79K | 683.35K | 394.68K | 249.59K | 307.32K | 185.21K |
| Interest Expense | 594.6K | 614.11K | 464.81K | 102.84K | 7.19K | 653 | 4.42K | 0 | 443.7K | 660.4K |
| Loan Loss Provision | 0 | 1.55M | 581 | -189.73K | -449.2K | -210K | 4.93M | 0 | 6.55M | 0 |
| Non-Interest Income | 966.81K | 1.23M | 1.29M | 899.65K | 669.74K | 13.34M | 6.02M | 5.94M | 10.69M | 14.11M |
| Non-Interest Income % | 20.99% | 29.49% | 38.16% | 37.33% | 51.78% | 95.13% | 93.85% | 95.97% | 97.21% | 98.7% |
| Total Revenue | 4.61M▲ 0% | 4.16M▼ 9.6% | 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% | 14.3M▲ 0% |
| Revenue Growth % | -33.81% | -9.63% | -19.04% | -28.5% | -46.32% | 983.9% | -54.23% | -3.56% | 77.73% | 4141.57% |
| Non-Interest Expense | 7.69M | 7.19M | 3.38M | 5.58M | 5.79M | 8.9M | 27.93M | 25M | 10.47M | 20.61M |
| Efficiency Ratio | 167% | 172.82% | 100.2% | 231.4% | 447.98% | 63.48% | 435.19% | 404% | 95.19% | 144.14% |
| Operating Income | -3.68M▲ 0% | -5.2M▼ 41.1% | -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% | -6.97M▲ 0% |
| Operating Margin % | -79.91% | -124.8% | -14.01% | -127.8% | -313.81% | 38.01% | -412.09% | -304% | -58.74% | -48.76% |
| Operating Income Growth % | -313.4% | -41.13% | 90.91% | -552.27% | -31.8% | 231.29% | -596.22% | 28.85% | 65.66% | - |
| Pretax Income | -3.68M▲ 0% | -5.2M▼ 41.1% | -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% | -7.53M▲ 0% |
| Pretax Margin % | -79.91% | -124.8% | -14.01% | -127.8% | -313.81% | 38.01% | -412.09% | -304% | -69.6% | -52.64% |
| Income Tax | -1.31M | 3.43M | 0 | 0 | 0 | 326.18K | 1.44M | 60.57K | 0 | 0 |
| Effective Tax Rate % | 35.61% | -66.05% | 0% | 0% | 0% | 6.12% | -5.44% | -0.32% | 0% | 0% |
| Net Income | -2.37M▲ 0% | -8.63M▼ 264.0% | -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% | -7.41M▲ 0% |
| Net Margin % | -51.45% | -207.22% | -14.01% | -124.69% | -312.44% | 33.94% | -455.64% | -257.62% | -66.51% | -51.82% |
| Net Income Growth % | -236.88% | -263.96% | 94.53% | -536.41% | -34.5% | 217.76% | -714.39% | 45.47% | 54.12% | 25.6% |
| Net Income (Continuing) | -2.37M | -8.63M | -472.16K | -3.08M | -4.06M | 5M | -27.88M | -18.88M | -7.66M | -7.53M |
| EPS (Diluted) | -35.91▲ 0% | -128.38▼ 257.5% | -2.37▲ 98.2% | -4.72▼ 99.2% | -14.94▼ 216.5% | 3.60▲ 124.1% | -13.41▼ 472.5% | -6.98▲ 47.9% | -2.61▲ 62.6% | -▲ 0% |
| EPS Growth % | -7082% | -257.5% | 98.15% | -99.16% | -216.53% | 124.1% | -472.5% | 47.95% | 62.61% | 93.27% |
| EPS (Basic) | -36.00 | -128.40 | -2.37 | -4.73 | -14.94 | 4.18 | -13.41 | -6.98 | -2.61 | - |
| Diluted Shares Outstanding | 66K | 67.2K | 199.34K | 636.72K | 270.49K | 1.32M | 2.18M | 2.28M | 2.81M | 0 |
LMFA Balance Sheet
LM Funding America, Inc. (LMFA) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 2.27M | 590.39K | 5.03M | 822.91K | 11.55M | 37.23M | 5.13M | 5.84M | 3.41M | 17M |
| Cash & Due from Banks | 2.27M | 590.39K | 3.52M | 822.91K | 11.55M | 32.56M | 4.24M | 2.4M | 3.38M | 291.57K |
| Short Term Investments | 0 | 0 | 1.51M | 0 | 0 | 4.67M | 892.32K | 3.43M | 27.05K | 11.42M |
| Total Investments | 1.53M | 977.41K | 2.17M | 2.21M | 168.77K | 4.67M | 892.32K | 3.43M | 232.09K | 11.42M |
| Investments Growth % | - | -36.01% | 121.96% | 1.74% | -92.35% | 2667.84% | -80.9% | 284.85% | -93.24% | -107.72% |
| Long-Term Investments | 1.53M | 977.41K | 662.05K | 2.21M | 168.77K | 0 | 0 | 0 | 205.04K | 292.57K |
| Accounts Receivables | 1.53M | 977.41K | 662.05K | 125.05K | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 0 | 45.21K | 21.95K | 4.04M | 0 | 0 | 0 | 0 | 5.48M | 0 |
| Goodwill | 0 | 0 | 0 | 4.04M | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 45.21K | 21.95K | 0 | 0 | 0 | 0 | 0 | 5.48M | 0 |
| PP&E (Net) | 109.94K | 69.5K | 33.82K | 268.55K | 166.84K | 77.88K | 27.46M | 24.73M | 19.32M | 16.94M |
| Other Assets | 767.69K | -792.95K | 154.64K | 32.1K | 29.75K | -77.88K | -27.46M | -24.73M | -205.04K | -23.69M |
| Total Current Assets | 4.1M | 1.67M | 5.21M | 1.09M | 11.95M | 0 | 0 | 0 | 3.41M | 0 |
| Total Non-Current Assets | 5.91M | 299.18K | 850.51K | 6.55M | 365.36K | 0 | 0 | 0 | 24.79M | 0 |
| Total Assets | 10.01M▲ 0% | 1.97M▼ 80.3% | 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% | 60.16M▲ 0% |
| Asset Growth % | -30.52% | -80.35% | 207.86% | 26.09% | 61.21% | 404.2% | -14.35% | -29.1% | 16.8% | 93.21% |
| Return on Assets (ROA) | -19.41% | -143.99% | -11.76% | -43.87% | -40.5% | 12.79% | -50.72% | -35.08% | -17.89% | -12.32% |
| Accounts Payable | 493.69K | 477.95K | 188.35K | 210.87K | 237.03K | 0 | 0 | 0 | 989.56K | 0 |
| Total Debt | 5.16M | 78.06K | 42.88K | 3.8M | 453.69K | 182.69K | 746K | 763.75K | 7.7M | 8.62M |
| Net Debt | 2.89M | -512.34K | -3.48M | 2.97M | -11.1M | -32.38M | -3.49M | -1.64M | 4.32M | 8.33M |
| Long-Term Debt | 5.16M | 39.03K | 0 | 3.46M | 185.78K | 0 | 0 | 0 | 6.37M | 1.24M |
| Short-Term Debt | 0 | 39.03K | 42.88K | 69.54K | 96.26K | 182.69K | 566.6K | 677.97K | 557.28K | 6.77M |
| Other Liabilities | 112.88K | 10.32K | 19.69K | 797.64K | 158.4K | 0 | -179.4K | -85.78K | 6.37M | -1.85M |
| Total Current Liabilities | 493.69K | 1.02M | 231.23K | 374.64K | 436.94K | 1.09M | 0 | 0 | 1.56M | 9.9M |
| Total Non-Current Liabilities | 5.35M | 49.35K | 19.69K | 4.43M | 412.19K | 0 | 0 | 0 | 13.51M | 0 |
| Total Liabilities | 5.85M | 1.07M | 250.92K | 4.81M | 849.12K | 1.09M | 2.39M | 2.85M | 8.7M | 11.75M |
| Total Equity | 4.17M▲ 0% | 896.98K▼ 78.5% | 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% | 48.41M▲ 0% |
| Equity Growth % | -33.44% | -78.49% | 547.58% | -51.19% | 304.54% | 431.99% | -16.74% | -31.37% | 1.38% | 47.8% |
| Equity / Assets (Capital Ratio) | 41.63% | 45.57% | 95.86% | 37.1% | 93.11% | 98.24% | 95.5% | 92.44% | 80.24% | 80.47% |
| Return on Equity (ROE) | -45.44% | -340.56% | -14.08% | -69.53% | -56.51% | 13.13% | -52.3% | -37.23% | -20.84% | -15.31% |
| Book Value per Share | 63.17 | 13.35 | 29.14 | 4.45 | 42.40 | 46.18 | 23.29 | 15.26 | 12.59 | 3.12 |
| Tangible BV per Share | 63.17 | 12.68 | 29.03 | -1.89 | 42.40 | 46.18 | 23.29 | 15.26 | 10.63 | - |
| Common Stock | 3.3K | 625 | 3.13K | 3.13K | 3.08K | 13.02K | 13.09K | 2.49K | 4.6K | 14.99K |
| Additional Paid-in Capital | 6.56M | 11.91M | 17.3M | 17.33M | 30M | 74.53M | 92.2M | 95.15M | 102.69M | 124.81M |
| Retained Earnings | -2.39M | -11.02M | -11.49M | -14.49M | -18.54M | -13.78M | -43.02M | -58.96M | -65.66M | -74.69M |
| 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
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | -3.35M | -1.81M | -758.32K | -1.16M | -3.52M | 3.49M | -9.14M | -3.4M | -11.95M | -11.95M |
| Operating CF Growth % | -248.99% | 46% | 58.12% | -53.04% | -203.59% | 198.98% | -361.98% | 62.73% | -250.88% | 21.59% |
| Net Income | -2.37M | -8.63M | -472.16K | -3M | -4.04M | 5M | -27.88M | -15.94M | -7.66M | -7.41M |
| Depreciation & Amortization | 72.11K | 95.45K | 68.26K | 63.76K | 11.14K | 1.38K | 478.02K | 4.98M | 7.77M | 6.71M |
| Deferred Taxes | 0 | 0 | 0 | 1.45M | 0 | -33.74M | -326.18K | 0 | 0 | 0 |
| Other Non-Cash Items | -1.31M | 6.32M | 34.06K | 7.04K | -281.07K | 29.47M | -246.65K | 6.03M | -4.73M | -5.9M |
| Working Capital Changes | -22.32K | 373.71K | -413.25K | 311.13K | 649.09K | -80.8K | 1.17M | -1.41M | -7.85M | -5.91M |
| Cash from Investing | 347.49K | 891.74K | -1.14M | -1.12M | 1.45M | -23.96M | -18.89M | 2.3M | 379.42K | -20.27M |
| Purchase of Investments | 0 | 0 | -1.5M | -1.5M | 0 | -7.74M | -3.75M | -125K | -7.72M | -23.39M |
| Sale/Maturity of Investments | 0 | 0 | 0 | 5K | 0 | 1000K | 1000K | 1000K | 1000K | 1000K |
| Net Investment Activity | 0 | 0 | -1.5M | -1.5M | 0 | -6.74M | -2.75M | 875K | -6.72M | -22.39M |
| Acquisitions | 0 | 0 | 0 | 51.33K | -246.91K | -34.09M | -3.43M | 0 | 78.81K | 177.48K |
| Other Investing | 615.45K | 900.41K | 356.88K | 339.15K | 1.7M | 1.98M | 520.32K | 1.4M | -21.45K | 3.11M |
| Cash from Financing | -3.72M | -759.03K | 4.83M | -171.82K | 12.56M | 41.48M | -299.03K | -731.03K | 12.54M | 26.67M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | -1.89K | 0 | 0 | 0 | 0 | -106.55K | 0 | 0 |
| Stock Issued | 0 | 0 | 5.21M | 0 | 9.45M | 41.7M | 0 | 0 | 2.15M | 21.26M |
| Net Stock Activity | 0 | 0 | 5.2M | 0 | 9.45M | 41.7M | 0 | -106.55K | 2.15M | 21.26M |
| Debt Issuance (Net) | -1000K | -759.03K | -80.82K | -194.14K | 19.99K | -220.36K | -299.03K | -624.48K | 1000K | -602.3K |
| Other Financing | -1.26M | 0 | -291.76K | 0 | 3.09M | 0 | 0 | 0 | 4.77M | 6.01M |
| Net Change in Cash | -6.73M▲ 0% | -1.68M▲ 75.1% | 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% | -5.62M▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 9M | 2.27M | 590.39K | 3.52M | 1.07M | 11.55M | 32.56M | 4.24M | 2.4M | 353.58K |
| Cash at End | 2.27M | 590.39K | 3.52M | 1.07M | 11.55M | 32.56M | 4.24M | 2.4M | 3.38M | 291.57K |
| Interest Paid | 0 | 334.96K | 29.4K | 0 | 7.19K | 0 | 0 | 0 | 0 | 207.53K |
| Income Taxes Paid | 0 | 0 | 0 | 0 | 0 | 0 | 2.06M | 0 | 0 | 0 |
| Free Cash Flow | -3.62M▲ 0% | -1.82M▲ 49.8% | -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% | -13.69M▲ 0% |
| FCF Growth % | -264.09% | 49.76% | 58.32% | -54.89% | -200.06% | -317.71% | -68.38% | 79.71% | -171.94% | 2.24% |
LMFA Banking Ratios
LM Funding America, Inc. (LMFA) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | -45.44% | -340.56% | -14.08% | -69.53% | -56.51% | 13.13% | -52.3% | -37.23% | -20.84% | -15.31% |
| Return on Assets (ROA) | -19.41% | -143.99% | -11.76% | -43.87% | -40.5% | 12.79% | -50.72% | -35.08% | -17.89% | -12.32% |
| Net Interest Margin | 30.41% | 117.94% | 26.73% | 18.42% | 5.01% | 1.1% | 0.73% | 0.66% | -0.31% | -0.79% |
| Efficiency Ratio | 167% | 172.82% | 100.2% | 231.4% | 447.98% | 63.48% | 435.19% | 404% | 95.19% | 144.14% |
| Equity / Assets | 41.63% | 45.57% | 95.86% | 37.1% | 93.11% | 98.24% | 95.5% | 92.44% | 80.24% | 80.47% |
| Book Value / Share | 63.17 | 13.35 | 29.14 | 4.45 | 42.4 | 46.18 | 23.29 | 15.26 | 12.59 | 3.12 |
| NII Growth | -34.8% | -23.78% | -30.24% | -13.1% | -56.19% | 10.72% | -42.84% | -36.05% | -154.64% | -595.19% |
| Dividend Payout | - | - | - | - | - | - | - | - | - | 0% |
LMFA Frequently Asked Questions
LM Funding America, Inc. (LMFA) stock FAQ — growth, dividends, profitability & financials explained
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) financial analysis — history, returns, DCA and operating performance tools
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