12 years of historical data (2013–2024) · Financial Services · Financial - Credit Services
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
LM Funding America, Inc. currently has a negative P/E ratio, indicating the company is operating at a loss on a trailing-twelve-month basis.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $6M | $6M | $8M | $7M | $39M | $5M | $15M | $7M | $32M | $10362 | $22699 |
| Enterprise Value | $10M | $10M | $7M | $4M | $6M | $-5662505 | $18M | $4M | $31M | $3M | $-1443453 |
| P/E Ratio → | -0.14 | — | — | — | 8.10 | — | — | — | — | — | — |
| P/S Ratio | 0.53 | 0.55 | 1.37 | 1.12 | 2.75 | 4.20 | 6.14 | 2.09 | 7.65 | 0.00 | 0.00 |
| P/B Ratio | 0.03 | 0.17 | 0.24 | 0.14 | 0.63 | 0.47 | 5.22 | 1.21 | 35.51 | 0.00 | 0.00 |
| P/FCF | — | — | — | — | — | — | — | — | — | — | 0.01 |
| P/OCF | — | — | — | — | 11.05 | — | — | — | — | — | 0.01 |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
LM Funding America, Inc.'s enterprise value stands at 7.7x EBITDA, 70% above its 5-year average of 4.5x. The Financial Services sector median is 11.1x, placing the stock at a 31% discount on an enterprise-value basis.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 0.94 | 1.10 | 0.58 | 0.44 | -4.38 | 7.38 | 1.06 | 7.53 | 0.63 | -0.21 |
| EV / EBITDA | 7.70 | 7.89 | — | — | 1.15 | — | — | — | — | — | -0.81 |
| EV / EBIT | — | — | — | — | 1.15 | — | — | — | — | — | -0.84 |
| EV / FCF | — | — | — | — | — | — | — | — | — | — | -0.65 |
Margins and return-on-capital ratios measuring operating efficiency
LM Funding America, Inc. earns an operating margin of -58.7%, below the Financial Services sector average of 21.9%. Operating margins have expanded from -412.1% to -58.7% over the past 3 years, signaling improving operational efficiency. A negative ROE of -20.8% indicates the company is currently destroying shareholder equity.
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 36.4% | 36.4% | 100.0% | 23.1% | 101.5% | 134.2% | 103.6% | 86.2% | 48.0% | 87.1% | 85.0% |
| Operating Margin | -58.7% | -58.7% | -304.0% | -412.1% | 38.0% | -313.8% | -127.8% | -14.0% | -124.8% | -79.9% | 24.8% |
| Net Profit Margin | -66.5% | -66.5% | -257.6% | -455.6% | 33.9% | -312.4% | -124.7% | -14.0% | -207.2% | -51.5% | 24.9% |
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -20.8% | -20.8% | -37.2% | -52.3% | 13.1% | -56.5% | -69.5% | -14.1% | -340.6% | -45.4% | 67.5% |
| ROA | -17.9% | -17.9% | -35.1% | -50.7% | 12.8% | -40.5% | -43.9% | -11.8% | -144.0% | -19.4% | 16.3% |
| ROIC | -12.3% | -12.3% | -32.4% | -35.2% | 10.9% | -32.8% | -37.0% | -10.4% | -75.6% | -23.9% | 12.9% |
| ROCE | -16.4% | -16.4% | -41.4% | -45.9% | 14.6% | -42.4% | -47.0% | -13.9% | -99.3% | -31.4% | 16.3% |
Solvency and debt-coverage ratios — lower is generally safer
LM Funding America, Inc. carries a Debt/EBITDA ratio of 5.9x, which is highly leveraged (43% above the sector average of 4.1x). Net debt stands at $4M ($8M total debt minus $3M cash).
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.22 | 0.22 | 0.02 | 0.01 | 0.00 | 0.04 | 1.34 | 0.01 | 0.09 | 1.24 | 1.20 |
| Debt / EBITDA | 5.87 | 5.87 | — | — | 0.03 | — | — | — | — | — | 4.25 |
| Net Debt / Equity | — | 0.12 | -0.05 | -0.07 | -0.53 | -0.97 | 1.05 | -0.60 | -0.57 | 0.69 | -0.23 |
| Net Debt / EBITDA | 3.29 | 3.29 | — | — | -6.07 | — | — | — | — | — | -0.83 |
| Debt / FCF | — | — | — | — | — | — | — | — | — | — | -0.66 |
| Interest Coverage | -14.56 | -14.56 | — | -5988.50 | 8161.25 | -564.64 | -29.95 | -1.02 | -8.46 | -6.19 | 1.88 |
Short-term solvency ratios and asset-utilisation metrics
LM Funding America, Inc.'s current ratio of 2.18x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 2.18 | 2.18 | — | — | — | 27.35 | 2.92 | 22.53 | 1.63 | 8.31 | — |
| Quick Ratio | 2.18 | 2.18 | — | — | — | 27.35 | 2.92 | 22.53 | 1.63 | 8.31 | — |
| Cash Ratio | 2.16 | 2.16 | — | — | 29.77 | 26.44 | 2.20 | 15.23 | 0.58 | 4.59 | — |
| Asset Turnover | — | 0.25 | 0.16 | 0.12 | 0.23 | 0.11 | 0.32 | 0.56 | 2.12 | 0.46 | 0.48 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
LM Funding America, Inc. does not currently pay a dividend and has no material buyback yield, reinvesting earnings back into the business.
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — | 100.0% |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | 225.5% |
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | — | — | 12.3% | — | — | — | — | — | — |
| FCF Yield | — | — | — | — | — | — | — | — | — | — | 9720.6% |
| Buyback Yield | 0.0% | 0.0% | 1.3% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Total Shareholder Yield | 0.0% | 0.0% | 1.3% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 100.0% |
| Shares Outstanding | — | $3M | $2M | $2M | $1M | $270485 | $636719 | $199342 | $67199 | $66000 | $66120 |
Compare LMFA with 4 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
| LMFAYou | $6M | -0.1 | 7.7 | — | 36.4% | -58.7% | -20.8% | -12.3% | 5.9 |
| FCFS | $8B | 26.0 | 8.7 | — | 100.0% | 15.4% | 15.3% | 12.7% | 0.3 |
| EZPW | $2B | 18.7 | 10.6 | 14.8 | 58.5% | 11.7% | 12.0% | 7.1% | 4.2 |
| JCAP | $1B | 11.4 | 10.4 | 7.4 | 71.2% | 50.8% | 32.0% | 12.6% | 5.3 |
| PRAA | $616M | 8.8 | 11.0 | — | 61.0% | 30.2% | 5.8% | 5.0% | 9.6 |
| Financial Services Median | — | 13.8 | 11.1 | 11.2 | 60.2% | 21.9% | 9.1% | 5.4% | 4.1 |
Peers based on L4 peer group classification. Compare multiple stocks →
Includes 30+ ratios · 12 years · Updated daily
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Start ComparisonLM Funding America, Inc.'s current P/E ratio is -0.1x. The historical average is 8.1x.
LM Funding America, Inc.'s current EV/EBITDA is 7.7x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 4.5x.
LM Funding America, Inc.'s return on equity (ROE) is -20.8%. The historical average is -55.6%.
Based on historical data, LM Funding America, Inc. is trading at a P/E of -0.1x. Compare with industry peers and growth rates for a complete picture.
LM Funding America, Inc. has 36.4% gross margin and -58.7% operating margin.
LM Funding America, Inc.'s Debt/EBITDA ratio is 5.9x, indicating high leverage. A ratio above 4x may signal elevated financial risk.