LM Funding America, Inc. (LMFA) Financial Ratios
13 years of historical data (2013–2025) · Financial Services · Financial - Credit Services
EV/EBITDA
↓
N/A
—
5yr avg: 15.74
30Y Low7.9·High23.6
P/FCF
N/A
—
5yr avg: N/A
30Y Low0.0·High0.0
P/B Ratio
↓
0.06
↓-91% vs avg
5yr avg: 0.66
30Y Low0.0·High35.5
ROE
↓
-83.8%
↑-131% vs avg
5yr avg: -36.2%
30Y Low-341%·High67%
Debt/EBITDA
↑
N/A
—
5yr avg: 2.95
30Y Low0.0·High5.9
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
LMFA Valuation Multiples
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 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $3M | $4M | $6M | $8M | $7M | $158M | $5M | $15M | $7M | $32M | $10362 |
| Enterprise Value | $23M | $23M | $10M | $7M | $4M | $126M | $-5662505 | $18M | $4M | $31M | $3M |
| P/E Ratio → | -0.06 | — | — | — | — | 33.14 | — | — | — | — | — |
| P/S Ratio | 0.39 | 0.44 | 0.55 | 1.37 | 1.12 | 11.28 | 4.20 | 6.14 | 2.09 | 7.65 | 0.00 |
| P/B Ratio | 0.06 | 0.13 | 0.17 | 0.24 | 0.14 | 2.59 | 0.47 | 5.22 | 1.21 | 35.51 | 0.00 |
| P/FCF | — | — | — | — | — | — | — | — | — | — | — |
| P/OCF | — | — | — | — | — | 45.33 | — | — | — | — | — |
P/E links to full P/E history page with 30-year chart
LMFA EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.63 | 0.94 | 1.10 | 0.58 | 8.97 | -4.38 | 7.38 | 1.06 | 7.53 | 0.63 |
| EV / EBITDA | — | — | 7.89 | — | — | 23.58 | — | — | — | — | — |
| EV / EBIT | — | — | — | — | — | 23.59 | — | — | — | — | — |
| EV / FCF | — | — | — | — | — | — | — | — | — | — | — |
LMFA Profitability
Margins and return-on-capital ratios measuring operating efficiency
LM Funding America, Inc. earns an operating margin of -206.2%, below the Financial Services sector average of 20.3%. Operating margins have expanded from -304.0% to -206.2% over the past 3 years, signaling improving operational efficiency. A negative ROE of -83.8% indicates the company is currently destroying shareholder equity.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | -146.1% | -146.1% | 36.4% | 100.0% | 23.1% | 101.5% | 134.2% | 103.6% | 86.2% | 48.0% | 87.1% |
| Operating Margin | -206.2% | -206.2% | -58.7% | -304.0% | -412.1% | 38.0% | -313.8% | -127.8% | -14.0% | -124.8% | -79.9% |
| Net Profit Margin | -306.2% | -306.2% | -66.5% | -257.6% | -455.6% | 33.9% | -312.4% | -124.7% | -14.0% | -207.2% | -51.5% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -83.8% | -83.8% | -20.8% | -37.2% | -52.3% | 13.1% | -56.5% | -69.5% | -14.1% | -340.6% | -45.4% |
| ROA | -56.5% | -56.5% | -17.9% | -35.1% | -50.7% | 12.8% | -40.5% | -43.9% | -11.8% | -144.0% | -19.4% |
| ROIC | -29.4% | -29.4% | -12.3% | -32.4% | -35.2% | 10.9% | -32.8% | -37.0% | -10.4% | -75.6% | -23.9% |
| ROCE | -47.9% | -47.9% | -16.4% | -41.4% | -45.9% | 14.6% | -42.4% | -47.0% | -13.9% | -99.3% | -31.4% |
LMFA Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Net debt stands at $19M ($21M total debt minus $1M cash).
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.71 | 0.71 | 0.22 | 0.02 | 0.01 | 0.00 | 0.04 | 1.34 | 0.01 | 0.09 | 1.24 |
| Debt / EBITDA | — | — | 5.87 | — | — | 0.03 | — | — | — | — | — |
| Net Debt / Equity | — | 0.67 | 0.12 | -0.05 | -0.07 | -0.53 | -0.97 | 1.05 | -0.60 | -0.57 | 0.69 |
| Net Debt / EBITDA | — | — | 3.29 | — | — | -6.07 | — | — | — | — | — |
| Debt / FCF | — | — | — | — | — | — | — | — | — | — | — |
| Interest Coverage | -22.98 | -22.98 | -18.25 | — | -5988.50 | 8161.25 | -564.64 | -29.95 | -1.02 | -8.46 | -6.19 |
LMFA Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.08x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 2.18x to 0.08x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.08 | 0.08 | 2.18 | — | — | — | 27.35 | 2.92 | 22.53 | 1.63 | 8.31 |
| Quick Ratio | 0.08 | 0.08 | 2.18 | — | — | — | 27.35 | 2.92 | 22.53 | 1.63 | 8.31 |
| Cash Ratio | 0.08 | 0.08 | 2.16 | — | — | 29.77 | 26.44 | 2.20 | 15.23 | 0.58 | 4.59 |
| Asset Turnover | — | 0.17 | 0.25 | 0.16 | 0.12 | 0.23 | 0.11 | 0.32 | 0.56 | 2.12 | 0.46 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
LMFA Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
LM Funding America, Inc. returns 100.0% to shareholders annually primarily through share buybacks.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | — | — | — | 3.0% | — | — | — | — | — |
| FCF Yield | — | — | — | — | — | — | — | — | — | — | — |
| Buyback Yield | 100.0% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 100.0% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $9M | $3M | $2M | $2M | $5M | $270485 | $636719 | $199342 | $67199 | $66000 |
Peer Comparison
Compare LMFA with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 LMFAYou | $3M | -0.1 | — | — | -146.1% | -206.2% | -83.8% | -29.4% | — |
 MARA | $6B | -4.0 | — | — | -47.7% | -90.6% | -34.5% | -9.0% | — |
 RIOT | $11B | -14.7 | — | — | -15.6% | -61.8% | -22.1% | -8.7% | — |
 CLSK | $4B | 15.6 | 7.9 | — | 41.6% | 41.6% | 18.5% | 10.3% | 1.2 |
 CIFR | $11B | -13.1 | — | — | 28.4% | -150.7% | -108.3% | -11.7% | — |
 IREN | $20B | 145.8 | 104.3 | — | 68.3% | 3.5% | 6.0% | 0.7% | 4.9 |
 HUT | $14B | -56.6 | — | — | -614.6% | -2104.6% | -16.9% | -13.8% | — |
 BTBT | $726M | -7.2 | — | — | 21.4% | -49.8% | -12.1% | -5.8% | — |
 BITF | $1B | -16.6 | 37.6 | — | -8.2% | -65.2% | -48.7% | -12.0% | — |
 CORZ | $9B | -33.0 | — | — | 11.9% | -70.4% | — | — | — |
 WULF | $12B | -17.1 | — | — | 50.9% | -101.1% | -343.7% | -4.2% | — |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 13 years · Updated daily
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LMFA — Frequently Asked Questions
Quick answers to the most common questions about buying LMFA stock.
What is LM Funding America, Inc.'s P/E ratio?
LM Funding America, Inc.'s current P/E ratio is -0.1x. The historical average is 33.1x.
What is LM Funding America, Inc.'s ROE?
LM Funding America, Inc.'s return on equity (ROE) is -83.8%. The historical average is -58.2%.
Is LMFA stock overvalued?
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.
What are LM Funding America, Inc.'s profit margins?
LM Funding America, Inc. has -146.1% gross margin and -206.2% operating margin.