LMFA

LM Funding America, Inc.

Financial Services · USD

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Price alert · LMFA

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2.60 USD 0.00 0.00%
As of Jul 21, 2026 Extended hours 0.14 -94.50%
Bid
0.14 × 1
Ask
0.14 × 2
2.56 Day range 3.01
2.11 52-week range 6.11
YTD
+485.59%
1 year
+12.07%
Open
2.74
Prev close
2.60
Mkt cap
11.45M
Vol
912.15K
Avg vol
161.23K
EPS
-39.72
P/E
0.00
Div yield
0.00%
More statistics
Low
2.56
High
3.01
Forward P/E
-0.52
Beta
1.35
Short ratio
1.04
Inst. own
4.27%
Dividend
0.00
Ex-div date
50-d avg
2.86
200-d avg
3.16
1y target
6.00

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Financial health

Altman Z-Score

-6.90 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

3 / 9 Weak

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E -0.1×
FY 2016: -25.4×FY 2017: -3.7×FY 2018: -14.9×FY 2019: -4.9×FY 2020: -1.3×FY 2021: 33.1×FY 2022: -0.2×FY 2023: -0.5×FY 2024: -0.8×FY 2025: -0.1×
FY 2016 5y median -0.2× FY 2025
P/S 0.4×
FY 2016: 13.1×FY 2017: 7.7×FY 2018: 2.1×FY 2019: 6.1×FY 2020: 4.2×FY 2021: 11.3×FY 2022: 1.1×FY 2023: 1.4×FY 2024: 0.5×FY 2025: 0.4×
FY 2016 5y median 1.1× FY 2025
P/B 0.1×
FY 2016: 14.4×FY 2017: 35.5×FY 2018: 1.2×FY 2019: 5.2×FY 2020: 0.5×FY 2021: 2.6×FY 2022: 0.1×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
P/FCF -0.2×
FY 2016: -16.6×FY 2017: -17.5×FY 2018: -9.3×FY 2019: -12.6×FY 2020: -1.5×FY 2021: -10.7×FY 2022: -0.3×FY 2023: -1.7×FY 2024: -0.4×FY 2025: -0.2×
FY 2016 5y median -0.4× FY 2025
EV/EBITDA -1.3×
FY 2016: -17.5×FY 2017: -6.1×FY 2018: -8.9×FY 2019: -5.9×FY 2020: 1.4×FY 2021: 23.5×FY 2022: -0.1×FY 2023: -0.5×FY 2024: -31.9×FY 2025: -1.3×
FY 2016 5y median -0.5× FY 2025
EV/Sales 2.6×
FY 2016: 13.7×FY 2017: 7.5×FY 2018: 1.1×FY 2019: 7.4×FY 2020: -4.4×FY 2021: 9.0×FY 2022: 0.6×FY 2023: 1.1×FY 2024: 0.9×FY 2025: 2.6×
FY 2016 5y median 1.1× FY 2025
FCF Yield -419.2%
FY 2016: -6.0%FY 2017: -5.7%FY 2018: -10.7%FY 2019: -7.9%FY 2020: -64.8%FY 2021: -9.3%FY 2022: -343.4%FY 2023: -59.5%FY 2024: -226.6%FY 2025: -419.2%
FY 2016 5y median -226.6% FY 2025

Profitability

Gross Margin -146.1%
FY 2016: 87.1%FY 2017: 48.0%FY 2018: 86.2%FY 2019: 103.6%FY 2020: 134.2%FY 2021: 101.5%FY 2022: 23.1%FY 2023: 100.0%FY 2024: 36.4%FY 2025: -146.1%
FY 2016 5y median 36.4% FY 2025
Operating Margin -206.2%
FY 2016: -79.9%FY 2017: -124.8%FY 2018: -14.0%FY 2019: -127.8%FY 2020: -313.8%FY 2021: 38.0%FY 2022: -412.1%FY 2023: -304.0%FY 2024: -58.7%FY 2025: -206.2%
FY 2016 5y median -206.2% FY 2025
Net Margin -306.2%
FY 2016: -51.5%FY 2017: -207.2%FY 2018: -14.0%FY 2019: -124.7%FY 2020: -312.4%FY 2021: 33.9%FY 2022: -455.6%FY 2023: -257.6%FY 2024: -66.5%FY 2025: -306.2%
FY 2016 5y median -257.6% FY 2025
ROE -87.9%
FY 2016: -56.9%FY 2017: -961.8%FY 2018: -8.1%FY 2019: -106.0%FY 2020: -35.3%FY 2021: 7.8%FY 2022: -59.4%FY 2023: -44.1%FY 2024: -19.8%FY 2025: -87.9%
FY 2016 5y median -44.1% FY 2025
ROIC -35.3%
FY 2016: -24.9%FY 2017: -527.3%FY 2018: -8.0%FY 2019: -41.5%FY 2020: -33.6%FY 2021: -549.2%FY 2022: -4667.4%FY 2023: -2775.2%FY 2024: -23.8%FY 2025: -35.3%
FY 2016 5y median -549.2% FY 2025
ROA -52.5%
FY 2016: -23.7%FY 2017: -438.3%FY 2018: -7.8%FY 2019: -39.3%FY 2020: -32.8%FY 2021: 7.7%FY 2022: -55.0%FY 2023: -42.3%FY 2024: -16.6%FY 2025: -52.5%
FY 2016 5y median -42.3% FY 2025

Growth (YoY)

Revenue -20.1%
FY 2016: -33.8%FY 2017: -9.6%FY 2018: -19.0%FY 2019: -28.5%FY 2020: -46.3%FY 2021: 983.9%FY 2022: -54.2%FY 2023: -3.6%FY 2024: 77.7%FY 2025: -20.1%
FY 2016 FY 2025
Operating Income -180.6%
FY 2016: -313.4%FY 2017: -41.1%FY 2018: 90.9%FY 2019: -552.3%FY 2020: -31.8%FY 2021: 231.3%FY 2022: -596.2%FY 2023: 28.9%FY 2024: 65.7%FY 2025: -180.6%
FY 2016 FY 2025
EPS (diluted) -25.7%
FY 2016: -7082.0%FY 2017: -257.5%FY 2018: 98.2%FY 2019: -99.2%FY 2020: -216.5%FY 2021: 105.9%FY 2022: -1623.9%FY 2023: 47.9%FY 2024: 62.6%FY 2025: -25.7%
FY 2016 FY 2025
Free Cash Flow -18.4%
FY 2016: -264.1%FY 2017: 49.8%FY 2018: 58.3%FY 2019: -54.9%FY 2020: -200.1%FY 2021: -317.7%FY 2022: -68.4%FY 2023: 79.7%FY 2024: -171.9%FY 2025: -18.4%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 8.3×FY 2017: 1.6×FY 2018: 22.5×FY 2019: 2.9×FY 2020: 27.4×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 2.2×FY 2025: 0.1×
FY 2016 5y median 0.0× FY 2025
Quick Ratio 0.1×
FY 2016: 8.3×FY 2017: 1.6×FY 2018: 22.5×FY 2019: 2.9×FY 2020: 27.4×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 2.2×FY 2025: 0.1×
FY 2016 5y median 0.0× FY 2025
Debt / Equity 0.7×
FY 2016: 1.2×FY 2017: 0.1×FY 2018: 0.0×FY 2019: 1.3×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.2×FY 2025: 0.7×
FY 2016 5y median 0.0× FY 2025
Net Debt / EBITDA -1.1×
FY 2016: -0.8×FY 2017: 0.1×FY 2018: 8.6×FY 2019: -1.0×FY 2020: 2.7×FY 2021: -6.1×FY 2022: 0.1×FY 2023: 0.1×FY 2024: -13.3×FY 2025: -1.1×
FY 2016 5y median -1.1× FY 2025
Interest Coverage -16.1×
FY 2016: -6.2×FY 2017: -8.5×FY 2018: -1.0×FY 2019: -29.9×FY 2020: -565×FY 2021: 8161×FY 2022: -5989×FY 2023: 0.0×FY 2024: -14.6×FY 2025: -16.1×
FY 2016 5y median -14.6× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31