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LM FUNDING AMERICA, INC.

Datakwaliteit: 100%
LMFA
NASDAQ Financial Services Nondepository Credit Institutions
€ 0,30
▲ € 0,01 (4,79%)
6 months return
—
Momentum
Neutral
5Y revenue growth
77,11%

Groei

Revenue Growth (5Y)
77,11%
Boven sectorgemiddelde (5,76%)
Revenue (1Y)-19,59%
Earnings (1Y)N/A
FCF Growth (3Y)N/A

Kwaliteit

Return on Equity
-65,66%
Onder sectorgemiddelde (9,21%)
ROIC-38,41%
Net Margin-304,36%
Op. Margin-258,74%

Veiligheid

Debt / Equity
0,13
Onder sectorgemiddelde (0,49)
Current Ratio1,84
Interest Coverage-20,35

Waardering

PE (TTM)
-0,16
Onder sectorgemiddelde (11,13)
P/B Ratio0,08
EV/EBITDAN/A
Dividend YieldN/A

Quick Summary

Key Takeaways

Short bullets derived from reported financials—not the AI summary above.

Revenue grew 77,11% annually over 5 years — strong growth
Debt/Equity of 0,13 — conservative balance sheet
Negative free cash flow of -16,19 M
Revenue growth is decelerating — 1Y growth trails 5Y average by 96,70%

Price History

Financiële Trends

Koersdoel Analisten

1 analist
Strong Buy
+231.5%
upside to target
Huidig
€ 0,30
Consensus Target
€ 1,00
€ 1,00
Laag
€ 1,00
Hoog
Vooruitzicht
Forward WPA
-€ 0,93
Omzet Sch.
7,40 M

Winstverassingen

EPS
Reported Estimate Forecast
Next: Q1 2026 · EPS Est: -€ 0,22 · Rev Est: 2,10 M
Q12025 Q22025 Q32025 Q42025 Q1 '26 Q2 '26
Reported -€ 1,05 € 0,02 -€ 0,41 -€ 1,33 — —
Estimate -€ 0,74 -€ 0,52 -€ 0,40 -€ 0,35 -€ 0,22 -€ 0,23
Verrassing -41,89% +103,85% -3,80% -280,00% — —

Growth

Rev 5Y: 77,11% · Earnings 1Y: N/A
Revenue Growth (1Y) -19,59% Revenue Growth (3Y) -17,47%
Earnings Growth (1Y) N/A Earnings Growth (3Y) N/A
Revenue Growth (5Y) 77,11% Earnings Growth (5Y) N/A

Profitability

ROE: -65,66% · Net Margin: -304,36%
Revenue (TTM) 8,84 M Net Income (TTM) -26,92 M
ROE -65,66% ROA -54,28%
Gross Margin N/A Operating Margin -258,74%
Net Margin -304,36% Free Cash Flow (TTM) -16,19 M
ROIC -38,41% FCF Growth (3Y) N/A

Safety

D/E: 0,13 · Current: 1,84
Debt / Equity 0,13 Current Ratio 1,84
Interest Coverage -20,35 Asset Turnover 0,18
Working Capital 8,28 M Tangible Book Value 43,39 M

Dividends

Yield: N/A · Payout: N/A
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A

Valuation

P/E: -0,16 · EV/EBITDA: N/A
P/E Ratio -0,16 Forward P/E N/A
P/B Ratio 0,08 P/S Ratio 0,48
PEG Ratio N/A Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S 0,57 Fwd Earnings Yield N/A
FCF Yield -385,34%
Market Cap 4,20 M Enterprise Value 10,78 M

Per Share

EPS: -3,28 · FCF/Share: -1,00
EPS (Diluted TTM) -3,28 Revenue / Share 0,55
FCF / Share -1,00 OCF / Share -0,87
EPS CAGR (1Y) N/A EPS CAGR (5Y) N/A
EPS CAGR (10Y) N/A

Efficiency

FCF Conv: 60,16% · CapEx/Rev: 24,95%
CapEx / Revenue 24,95% FCF Conversion 60,16%
SBC-Adj. FCF -16,19 M Growth Momentum -96,70

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 8,84 M 11,00 M 12,98 M 1,73 M 898.941,0
Net Income -26,92 M -7,32 M -15,94 M -29,24 M 4,76 M
EPS (Diluted) -3,28 -5,02 -6,98 -2,23 0,60
Gross Profit — — — — —
Operating Income -22,88 M -6,46 M -10,06 M -24,68 M -8,43 M
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses 1,58 M 817.041,0 851.806,0 635.268,0 417.963,0
D&A 8,17 M 7,77 M 4,98 M 478.020,0 1.383,0
Interest Expense 1,12 M 443.700,0 — — —
Income Tax 0,0 0,0 60.571,0 1,44 M 326.178,0

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 51,32 M 44,05 M 37,71 M 53,19 M 62,10 M
Total Liabilities 22,44 M 8,70 M 2,85 M 2,39 M 1,09 M
Shareholders' Equity 30,62 M 37,03 M 36,19 M 49,19 M 60,76 M
Total Debt 7,01 M 386.312,0 567.586,0 475.775,0 300.473,0
Cash & Equivalents — — — — 32,56 M
Current Assets 23,50 M 13,51 M 10,15 M 10,49 M 38,51 M
Current Liabilities 19,92 M 1,56 M 2,77 M 2,21 M 1,09 M

Sectorvergelijking

vs Financial Services sector mediaan (6628 peers)
Metriek Aandeel Sector Mediaan
P/E -0,2 11,1
P/B 0,1 1,2
ROE % -65,7 9,2
Net Margin % -304,4 9,4
Rev Growth 5Y % 77,1 5,8
D/E 0,1 0,5