Last 44 quarters of trend data · Financial Services · Financial - Credit Services
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | -0.14 | — | 36.48 | — | 0.77 | — | — | 1.50 | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| P/S Ratio | 0.53 | — | 0.65 | 2.62 | 0.25 | 1.64 | — | 0.21 | 0.54 | 0.56 | 7.59 | — | — |
| — | — | — | +1129.2% | -53.9% | +190.9% | — | — | — | -99.7% | +495.8% | — | — | |
| P/B Ratio | 0.03 | 0.37 | 0.49 | 0.21 | 0.17 | 0.25 | 0.32 | 0.24 | 0.25 | 0.18 | 0.23 | 0.24 | 0.14 |
| — | +47.7% | +50.1% | -10.4% | -31.9% | +34.8% | +40.4% | -0.8% | +76.4% | -72.8% | -75.1% | -93.8% | -94.5% | |
| P/FCF | — | — | — | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| EV / EBITDA | 7.70 | — | 2.52 | — | 1.02 | — | — | 0.50 | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| EV / EBIT | — | — | 87.61 | — | 1.37 | — | — | 0.92 | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
LM Funding America, Inc.'s operating margin was -181.0% in Q3 2025, down 182.1 pp QoQ and up 263.4 pp YoY. The trailing four-quarter average of -259.7% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 13.0% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 36.4% | 100.0% | 96.0% | 63.6% | 96.5% | 88.5% | 126.1% | 99.3% | -3.4% | 100.0% | 100.0% | 100.0% | 176.4% |
| — | +13.0% | -23.9% | -35.9% | +2942.5% | -11.5% | +26.1% | -0.7% | -101.9% | 0.0% | 0.0% | 0.0% | +76.4% | |
| Operating Margin | -58.7% | -181.0% | 1.1% | -890.1% | 31.1% | -444.4% | 4369.3% | 22.6% | -43.9% | -159.5% | -1856.6% | — | 334.1% |
| — | +59.3% | -100.0% | -4042.2% | +170.8% | -178.5% | +335.3% | — | -113.1% | +98.2% | -3650.8% | — | -24.7% | |
| Net Margin | -66.5% | -209.8% | 1.8% | -888.8% | 32.3% | -434.6% | 3963.3% | 18.6% | -39.2% | -151.0% | -1496.9% | 221.6% | 304.8% |
| — | +51.7% | -100.0% | -4876.7% | +182.4% | -187.9% | +364.8% | -91.6% | -112.9% | +98.6% | -6710.9% | -69.3% | -34.6% |
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -20.8% | -10.4% | 0.3% | -16.5% | 6.1% | -15.8% | -16.4% | 5.4% | -4.5% | -11.7% | -10.9% | -11.4% | -33.8% |
| — | +34.1% | +102.0% | -408.3% | +236.6% | -35.2% | -50.5% | +147.1% | +86.7% | -17.8% | -343.5% | -18.9% | -197.7% | |
| ROA | -17.9% | -8.2% | 0.3% | -13.0% | 4.9% | -13.3% | -15.1% | 5.0% | -4.2% | -10.9% | -10.3% | -10.8% | -32.5% |
| — | +38.2% | +101.7% | -360.6% | +216.7% | -21.6% | -46.8% | +145.9% | +87.1% | -13.2% | -334.5% | -15.3% | -192.7% | |
| ROIC | -12.3% | -5.6% | 0.1% | -10.0% | 3.6% | -10.6% | -13.1% | 4.8% | -3.7% | -9.2% | -10.0% | — | -27.5% |
| — | +47.5% | +100.9% | -309.9% | +197.5% | -15.9% | -30.8% | — | +86.5% | -52.7% | -230.1% | — | -241.6% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Debt/Equity has declined for 3 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.22 | 0.18 | 0.24 | 0.26 | 0.22 | 0.23 | 0.06 | 0.02 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 |
| — | -21.4% | +338.6% | +1475.0% | +894.4% | +2753.5% | +507.8% | +25.3% | +49.2% | +78.2% | +99.4% | +92.0% | +390.5% | |
| Debt / EBITDA | 5.87 | — | 3.50 | — | 3.02 | — | — | 0.14 | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Current Ratio | 2.18 | — | 0.26 | 0.55 | 2.33 | 3.02 | 55062.74 | 0.33 | — | — | — | — | — |
| — | — | -100.0% | +65.0% | — | — | — | — | — | — | — | — | — | |
| Quick Ratio | 2.18 | — | 0.26 | 0.55 | 2.33 | 3.02 | 55062.74 | 0.33 | — | — | — | — | — |
| — | — | -100.0% | +65.0% | — | — | — | — | — | — | — | — | — | |
| Interest Coverage | -14.56 | — | 0.27 | -24.48 | 8.92 | -38.72 | -167.59 | 33.23 | — | — | — | — | -4887.60 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 44 years · Updated daily
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Start ComparisonLM Funding America, Inc.'s current P/E is -0.1x. The average P/E over the last 2 quarters is 18.6x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
LM Funding America, Inc.'s current operating margin is -58.7%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking LM Funding America, Inc.'s business trajectory between earnings reports.