LM Funding America, Inc. (LMFA) P/E Ratio History
Historical price-to-earnings valuation from 2015 to 2021
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Valuation Context
How does the current P/E compare to historical and market benchmarks?
P/E Ratio Analysis
The current P/E is 101% below its 5-year average of 13.6x. Over the past five years, LMFA's P/E has ranged from a low of 0.0x to a high of 33.5x, placing the current valuation at the 0th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.8x, LMFA trades at a 101% discount to its sector peers. The sector includes 789 companies with P/E ratios ranging from 0.0x to 196.2x.
Relative to the broader market, LMFA trades at a notable discount to the S&P 500 median P/E of 26.2x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our LMFA DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
Peer Comparison
P/E metrics vs. Debt Collection and Collateral Lending peers
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
FCFSFirstCash Holdings, Inc | $8B | 26.0 | 1.10Best | +29% |
EZPWEZCORP, Inc. | $2B | 18.7 | - | +29% |
JCAPJefferson Capital, Inc. Common Stock | $1B | 11.4 | - | -5% |
PRAAPRA Group, Inc. | $616M | 8.8Lowest | - | +184%Best |
Peers sorted by market capitalization. P/E below peers may indicate undervaluation or lower growth expectations. Consider PEG ratio for growth-adjusted comparison.
Historical P/E Data
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Date | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2021 Q4 | Fri Dec 31 2021 00:00:00 GM | $29.16 | $0.87 | 33.5x | +146% |
| FY2021 Q3 | $24.54 | $1.69 | 14.5x | +7% | |
| FY2021 Q2 | Wed Jun 30 2021 00:00:00 GM | $25.74 | $1.29 | 20.0x | +47% |
| FY2016 Q1 | $0.32 | $12.04 | 0.0x | -100% | |
| FY2015 Q4 | $0.34 | $27.16 | 0.0x | -100% |
Average P/E for displayed period: 13.6x
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Start ComparisonFrequently Asked Questions
Is LMFA stock overvalued or undervalued?
LMFA trades at -0.1x P/E, below its 5-year average of 13.6x. At the N/A percentile of historical range, the stock is priced at a discount to its own history.
How does LMFA's valuation compare to peers?
LM Funding America, Inc. P/E of -0.1x compares to sector median of 13.8x. The discount suggests lower growth expectations or higher risk.
What is LMFA's PEG ratio?
LMFA PEG ratio is N/A. Above 2.0 indicates premium valuation relative to growth rate. Historical P/E data spans 2015-2021.