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LMFA

BEARISH
$0.28 Live
LM Funding America, Inc. · NASDAQ
Target $1.0 (+257.1%)
$0.18 52W Range $5.14

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 13, 2026
Market cap
$4.52M
P/E
N/A
ROE
-84.0%
Profit margin
N/A
Debt/Equity
0.71
Dividend yield
N/A

AI Analysis

AI-powered fundamental assessment

Confidence
95%
LMFA is in a state of severe financial distress, evidenced by a critical Piotroski F-Score of 1/9. The company exhibits catastrophic operational inefficiency with an operating margin of -494.61% and a near-total lack of liquid assets, as shown by a Quick Ratio of 0.08. While the Price-to-Book ratio of 0.13 suggests a deep discount, the consistent earnings misses and a 99.2% decline in value over five years indicate a classic value trap. The single analyst 'Buy' rating is fundamentally unsupported by the current trajectory of the business.

Key Strengths

Extremely low Price-to-Book ratio (0.13)
Positive year-over-year revenue growth (8.60%)
Current ratio remains above 1.0 (1.18)
Low Price-to-Sales ratio (0.59)
Speculative upside potential if a turnaround occurs

Key Risks

Severe liquidity crisis indicated by a Quick Ratio of 0.08
Unsustainable operating losses (Operating Margin -494.61%)
Consistent and massive earnings misses (most recent surprise -280%)
Extreme negative price momentum (-74.1% over 1 year)
High risk of insolvency given the Piotroski F-Score of 1/9

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
10
Weak
Value
20
Future
15
Past
5
Health
10
Dividend
0
AI Verdict
High Risk / Distressed
Key drivers: Catastrophic operating margins, Critical liquidity shortage, Severe long-term price decay, Failing financial health scores
Confidence
90%
Value
20/100

Ref P/E N/A, P/B 0.13

Positives
  • P/B ratio of 0.13 is nominally very cheap
Watchpoints
  • Negative earnings render P/E and Graham Number inapplicable
  • Low P/B is likely a reflection of deteriorating asset quality
Future
15/100

Ref Growth rates

Positives
  • Slight YoY revenue growth
Watchpoints
  • Q/Q revenue growth plummeted by -59.66%
  • EPS growth is deeply negative (-224.4% Q/Q)
Past
5/100

Ref Historical trends

Positives
No standout positives identified.
Watchpoints
  • 5-year price change of -99.2%
  • Consistent history of missing earnings estimates
Health
10/100

Ref Piotroski F-Score 1/9

Positives
  • Current ratio is marginally positive
Watchpoints
  • Piotroski F-Score of 1/9 indicates extreme weakness
  • Quick Ratio of 0.08 suggests inability to meet short-term obligations without selling inventory/receivables
Dividend
0/100

Ref Yield N/A

Positives
No standout positives identified.
Watchpoints
  • No dividend paid
  • Zero payout capacity

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$0.28
Analyst Target
$1.0
Upside/Downside
+257.1%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for LMFA and closest competitors.

Updated 2026-04-10
LMF
LM Funding America, Inc.
Primary
5Y
-99.2%
3Y
-94.3%
1Y
-74.1%
6M
-76.3%
1M
-33.0%
1W
+20.2%
IPS
IP Strategy Holdings, Inc.
Peer
5Y
-99.3%
3Y
-99.3%
1Y
-96.0%
6M
-96.5%
1M
-4.4%
1W
+87.7%
EZR
Reliance Global Group, Inc.
Peer
5Y
-100.0%
3Y
-99.6%
1Y
-82.5%
6M
-81.8%
1M
-17.4%
1W
+8.2%
ANY
Sphere 3D Corp.
Peer
5Y
-99.3%
3Y
-92.5%
1Y
-69.0%
6M
-76.9%
1M
+14.1%
1W
-8.5%
BTO
Bit Origin Ltd
Peer
5Y
-99.9%
3Y
-99.5%
1Y
-67.8%
6M
-91.3%
1M
-21.5%
1W
+4.5%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
N/A
Forward P/E
-0.07
PEG Ratio
N/A
P/B Ratio
0.13
P/S Ratio
0.59
EV/Revenue
2.84
EV/EBITDA
N/A
Market Cap
$4.52M

Profitability

Profit margins and return metrics

Profit Margin N/A
Operating Margin -494.61%
Gross Margin 10.96%
ROE -84.01%
ROA -56.57%

Growth

Revenue and earnings growth rates

Revenue Growth +8.6%
Earnings Growth N/A
Q/Q Revenue Growth -59.66%
Q/Q Earnings Growth N/A

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
0.71
Moderate
Current Ratio
1.18
Good
Quick Ratio
0.08
Poor
Cash/Share
$0.09

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.0B
Gross Margin
-58.6%
Op. Margin
-628.7%
Net Margin
-755.8%
Total Assets
$0.1B
Liabilities
$0.0B
Equity
$0.0B
Debt/Equity
0.73x
Operating CF
$-0.0B
CapEx
$-0.0B
Free Cash Flow
$-0.0B
FCF Yield
209%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-03-27
$-1.33
-280.0% surprise
2025-11-14
$-0.41
-3.8% surprise
2025-08-14
$0.02
+103.8% surprise
2025-05-15
$-1.05
-41.9% surprise

Financial Services Sector Comparison

Comparing LMFA against 377 companies in the Financial Services sector (65 bullish, 163 neutral, 149 bearish)
Return on Equity (ROE)
-84.01%
This Stock
vs
-0.32%
Sector Avg
+26456.5% (Excellent)
Debt to Equity
0.71
This Stock
vs
1.32
Sector Avg
-46.0% (Less Debt)
Revenue Growth
8.6%
This Stock
vs
44.75%
Sector Avg
-80.8% (Slower)
Current Ratio
1.18
This Stock
vs
3.1
Sector Avg
-61.9% (Weaker)

Similar Companies

Peer comparison within the same industry

Past News Coverage

Recent headlines mentioning LMFA from our newsroom.

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