LM Funding America Inc

LM Funding America Inc maintains a capital structure characterized by zero debt, with a debt-to-equity ratio of 0.0. The company holds total assets of $51.3 million against total liabilities of $22.4 million, resulting in total equity of $30.6 million. The market capitalization stands at $1.96 million, implying a price-to-book ratio of 0.06 and a price-to-tangible-book ratio of 0.07. Operating cash flow is negative at -$13.99 million, while capital expenditure is recorded at $2.21 million. The liquidity risk is assessed as unknown due to insufficient balance-sheet inputs for a definitive assessment.

Profitability metrics indicate significant distress, with a return on equity of -1.03 and a return on assets of -0.62. The company reported a net income loss of $26.92 million on revenue of $8.84 million, resulting in an operating income loss of $22.88 million. These figures suggest the company is currently burning through equity and operating at a substantial loss relative to its asset base. No cohort median data is available to benchmark these profitability ratios against industry peers.

Segment and geographic revenue breakdowns are not provided in the available data. Consequently, revenue concentration risks and specific exposure to regional economic factors cannot be quantified. The analysis relies solely on consolidated financial figures without granular segment-level insight.

Growth trajectory analysis is limited by the absence of historical period data. Without five-year annual or eight-quarter quarterly revenue and net income trends, it is not possible to determine the direction or velocity of revenue growth or earnings recovery. The current snapshot reflects a single period of significant net loss.

Risk assessment highlights low dilution risk, with basic and diluted shares outstanding both at 14.12 million, indicating no current options or warrants impacting share count. However, the key flag notes that liquidity risk could not be assessed due to missing balance-sheet inputs and the absence of going-concern language in source documents. The negative operating cash flow and net income losses present inherent operational risks.

Recent observations include analyst estimates with a mean, median, high, and low price target of $1.00, representing a significant premium to the current market price of $0.14. The mean recommendation is 2.00 (Buy), driven by one Buy rating and no Strong Buy, Hold, or Sell ratings. Competitor context lists JPMorgan Chase, Bank of America, and Citigroup, though no comparative financial data is provided for these entities.

Revenue surged 66.4% year-over-year to $14.7 million, demonstrating strong top-line growth momentum for the fiscal period.

Net income improved 117.7% year-over-year to $4.8 million, indicating a significant turnaround in profitability metrics.

The company trades at a price-to-book ratio of 0.06, suggesting the stock is deeply undervalued relative to its book value.

Total assets grew 21.0% year-over-year to $62.1 million, reflecting substantial expansion in the company's balance sheet size.

Equity increased 98.5% year-over-year to $60.8 million, highlighting a robust strengthening of the company's financial foundation.

The company faces high credit risk, which poses a significant threat to asset quality and potential future loan losses.

Net margin of -3.69% ranks in the bottom quartile among 806 peers, indicating severe profitability challenges relative to competitors.

Return on equity of -1.03% falls in the bottom quartile, showing poor capital efficiency compared to the broader banking cohort.

Operating margin of -2.82% is in the bottom quartile, revealing persistent operational inefficiencies despite revenue growth trends.

Interest coverage ratio of -20.35 indicates the company cannot cover interest expenses with operating income, signaling financial distress.

Revenue $2.1M, −11,1% YoY; Operating income −26,1% YoY.

• ▍Revenue $2.1M, −11,1% YoY
• ▍Operating income −26,1% YoY
• ▍Net income −87,4% YoY
• ▍Free cash flow −136,3% YoY
• ▍Net margin -479.8%

Revenue $2.4M, +19,2% YoY; Operating income −775,5% YoY.

• ▍Revenue $2.4M, +19,2% YoY
• ▍Operating income −775,5% YoY
• ▍Net income −1 010,2% YoY
• ▍Free cash flow −899,1% YoY
• ▍Net margin -756.0%

Revenue $2.2M, +73,5% YoY; Operating income +12,4% YoY.

• ▍Revenue $2.2M, +73,5% YoY
• ▍Operating income +12,4% YoY
• ▍Net income +12,9% YoY
• ▍Free cash flow +0,6% YoY
• ▍Net margin -171.2%

Revenue $1.9M, −36,0% YoY; Operating income +109,8% YoY.

• ▍Revenue $1.9M, −36,0% YoY
• ▍Operating income +109,8% YoY
• ▍Net income +101,8% YoY
• ▍Free cash flow +131,6% YoY
• ▍Net margin 5.2%

Revenue $2.4M; Operating income -$5.1M.

• ▍Revenue $2.4M
• ▍Operating income -$5.1M
• ▍Net margin -227.7%

Revenue $2.0M; Operating income $2.2M.

• ▍Revenue $2.0M
• ▍Operating income $2.2M
• ▍Net margin 99.0%

Revenue $1.3M; Operating income -$4.0M.

• ▍Revenue $1.3M
• ▍Operating income -$4.0M
• ▍Net margin -341.2%

Revenue $3.0M; Operating income -$4.3M.

• ▍Revenue $3.0M
• ▍Operating income -$4.3M
• ▍Net margin -186.2%

Revenue $8.8M, −19,6% YoY; Operating income −253,5% YoY.

• ▍Revenue $8.8M, −19,6% YoY
• ▍Operating income −253,5% YoY
• ▍Net income −268,0% YoY
• ▍Free cash flow −1 216,7% YoY
• ▍Net margin -304.4%

Revenue $11.0M, −15,3% YoY; Operating income +41,4% YoY.

• ▍Revenue $11.0M, −15,3% YoY
• ▍Operating income +41,4% YoY
• ▍Net income +54,1% YoY
• ▍Free cash flow +90,0% YoY
• ▍Net margin -66.5%

Revenue $13.0M, +676,9% YoY; Operating income +61,1% YoY.

• ▍Revenue $13.0M, +676,9% YoY
• ▍Operating income +61,1% YoY
• ▍Net income +45,5% YoY
• ▍Free cash flow +62,2% YoY
• ▍Net margin -122.8%

Revenue $1.7M, −88,6% YoY; Operating income −613,4% YoY.

• ▍Revenue $1.7M, −88,6% YoY
• ▍Operating income −613,4% YoY
• ▍Net income −714,4% YoY
• ▍Free cash flow −282,9% YoY
• ▍Net margin -1749.0%