LMFA

Company Overview — What Does LM FUNDING AMERICA, INC. Do?

LM Funding America, Inc. operates as a specialty finance company. It provides funding to nonprofit community associations (Associations) primarily located in the state of Florida, as well as in the states of Washington, Colorado, and Illinois. The company offers funding to Associations by purchasing their rights under delinquent accounts that are selected by the Associations arising from unpaid Association assessments. It is also involved in the business of purchasing delinquent accounts on various terms tailored to suit each Association's financial needs, including under its New Neighbor Guaranty program. LM Funding America, Inc. was founded in 2008 and is based in Tampa, Florida. LM FUNDING AMERICA, INC. (LMFA) is classified as a micro-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Bruce M. Rodgers and employs approximately 8 people, headquartered in Tampa, Florida. With a market capitalization of $4M, LMFA is one of the notable companies in the Financials sector.

LM FUNDING AMERICA, INC. (LMFA) Stock Rating — Avoid (April 2026)

As of April 2026, LM FUNDING AMERICA, INC. receives a Avoid rating with a composite score of 20.4/100 and 1 out of 5 stars from the Blank Capital Research quantitative model.LMFA ranks #4,257 out of 4,446 stocks in our coverage universe. Within the Financials sector, LM FUNDING AMERICA, INC. ranks #879 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

LMFA Stock Price and 52-Week Range

LM FUNDING AMERICA, INC. (LMFA) currently trades at $0.28. The stock gained $0.02 (7.6%) in the most recent trading session. The 52-week high for LMFA is $5.14, which means the stock is currently trading -94.6% from its annual peak. The 52-week low is $0.29, putting the stock -3.5% above its annual trough. Recent trading volume was 203K shares, suggesting relatively thin trading activity.

Is LMFA Overvalued or Undervalued? — Valuation Analysis

LM FUNDING AMERICA, INC. (LMFA) carries a value factor score of 7/100 in the Blank Capital model, signaling premium valuation that prices in significant future growth. The price-to-book ratio stands at 0.14x, versus the sector average of 1.22x. The price-to-sales ratio is 0.53x, compared to 0.90x for the average Financials stock.

At current multiples, LM FUNDING AMERICA, INC. trades at a premium to most Financials peers. This elevated valuation may be justified if the company can sustain above-average growth rates and profitability, but it also creates downside risk if earnings disappoint expectations.

LM FUNDING AMERICA, INC. Profitability — ROE, Margins, and Quality Score

LM FUNDING AMERICA, INC. (LMFA) earns a quality factor score of 27/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is -46.6%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at -26.2% versus the sector average of 1.2%.

On a margin basis, LM FUNDING AMERICA, INC. reports gross margins of 46.0%. The operating margin is -176.5% (sector: 21.8%). Net profit margin stands at -186.4%, versus 17.7% for the average Financials stock. Revenue growth is running at -27.7% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

LMFA Debt, Balance Sheet, and Financial Health

LM FUNDING AMERICA, INC. has a debt-to-equity ratio of 78.0%, compared to the Financials sector average of 121.0%. Leverage is within a manageable range for the industry, though investors should monitor debt trends over time. The current ratio is 1.18x, suggesting adequate working capital coverage. Total debt on the balance sheet is $8M. Cash and equivalents stand at $291,571.

LMFA has a beta of 1.85, meaning it is more volatile than the broader market — a $10,000 investment in LMFA would be expected to move 85.3% more than the S&P 500 on any given day. The stability factor score for LM FUNDING AMERICA, INC. is 11/100, suggesting elevated price swings that may be unsuitable for conservative portfolios.

LM FUNDING AMERICA, INC. Revenue and Earnings History — Quarterly Trend

In TTM 2026, LM FUNDING AMERICA, INC. reported revenue of $8M and earnings per share (EPS) of $-3.28. Net income for the quarter was $-13M. Gross margin was 46.0%. Operating income came in at $-13M.

In FY 2025, LM FUNDING AMERICA, INC. reported revenue of $9M and earnings per share (EPS) of $-3.28. Net income for the quarter was $-27M. Revenue grew -19.6% year-over-year compared to FY 2024. Operating income came in at $-23M.

In Q3 2025, LM FUNDING AMERICA, INC. reported revenue of $2M and earnings per share (EPS) of $-0.41. Net income for the quarter was $-4M. Revenue grew 73.5% year-over-year compared to Q3 2024. Operating income came in at $-4M.

In Q2 2025, LM FUNDING AMERICA, INC. reported revenue of $2M and earnings per share (EPS) of $0.02. Net income for the quarter was $60,500. Revenue grew -36.0% year-over-year compared to Q2 2024. Operating income came in at $423,515.

Over the past 8 quarters, LM FUNDING AMERICA, INC. has demonstrated a growth trajectory, with revenue expanding from $3M to $8M. Investors analyzing LMFA stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

LMFA Dividend Yield and Income Analysis

LM FUNDING AMERICA, INC. (LMFA) does not currently pay a dividend. This is common among smaller companies in the Banking industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.

LMFA Momentum and Technical Analysis Profile

LM FUNDING AMERICA, INC. (LMFA) has a momentum factor score of 9/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 38/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 42/100 reflects moderate short selling activity.

LMFA vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, LM FUNDING AMERICA, INC. (LMFA) ranks #879 out of 891 stocks based on the Blank Capital composite score. This places LMFA in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing LMFA against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full LMFA vs S&P 500 (SPY) comparison to assess how LM FUNDING AMERICA, INC. stacks up against the broader market across all factor dimensions.

LMFA Next Earnings Date

No upcoming earnings date has been announced for LM FUNDING AMERICA, INC. (LMFA) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy LMFA? — Investment Thesis Summary

The quantitative profile for LM FUNDING AMERICA, INC. suggests caution. The quality score of 27/100 flags below-average profitability. The value score of 7/100 indicates premium valuation. Momentum is weak at 9/100, a headwind for near-term performance. High volatility (stability score 11/100) increases portfolio risk.

In summary, LM FUNDING AMERICA, INC. (LMFA) earns a Avoid rating with a composite score of 20.4/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on LMFA stock.

Related Resources for LMFA Investors

Explore more research and tools: LMFA vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare LMFA head-to-head with peers: LMFA vs WTM, LMFA vs OPY, LMFA vs ACT.