LMFA

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LM Funding America, Inc.

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Key Metrics

Previous Close: $0.00
52-Week Range: $1.67 – $68.50
Market Cap: $2.43M
P/E (TTM): —
EPS (TTM): -57.12
Dividend Yield: —

Advanced Metrics

Price/Book: 2.02
PEG Ratio: —
Return on Equity: -128.98%
Return on Assets: -78.35%
Gross Margin: 1.67%
Operating Margin: -446.19%
Profit Margin: 0.00%
Current Ratio: 1.13
Debt/Equity: 1.08
Total Debt: $20.62M
Free Cash Flow: —
Revenue Growth: -27.30%
Earnings Growth: —
Enterprise Value: $19.61M

LMFA Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$6.42M	$6.19M	$11.31M	$8.85M
Cost of Revenue	—	—	$11.99M	$13.13M
Gross Profit	—	—	-$684.37K	-$4.28M
Selling, General & Admin	$20.06M	$6.71M	$2.87M	$3.22M
Operating Expenses	—	—	$5.58M	$19.17M
Operating Income	—	—	-$6.26M	-$23.45M
EBITDA	-$25.96M	-$13.83M	$1.51M	-$15.28M
Pretax Income	-$26.45M	-$18.81M	-$7.66M	-$26.98M
Income Tax	$1.44M	$60.57K	$0.00	$0.00
Net Income	-$29.24M	-$15.94M	-$7.32M	-$26.92M
Diluted EPS	-13.10	-6.98	-5.02	-3.28
Diluted Shares	2.23M	2.28M	2.81M	8.70M

LMFA Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$4.76M	$2.42M	$3.38M	$1.42M
Receivables	$4.10M	$1.67M	$252.24K	$12.73M
Current Assets	—	—	$13.51M	$23.50M
Total Assets	$53.19M	$37.71M	$44.05M	$51.32M
Current Liabilities	—	—	$1.56M	$19.92M
Long-Term Debt	—	—	$6.37M	$1.93M
Total Debt	$746.00K	$763.75K	$7.70M	$20.65M
Total Liabilities	$2.39M	$2.85M	$8.70M	$22.44M
Retained Earnings	-$43.02M	-$58.96M	-$65.66M	-$92.58M
Shareholders' Equity	$49.19M	$36.19M	$37.03M	$30.62M
Working Capital	—	—	$11.94M	$3.58M
Net Debt	—	—	$3.37M	$18.44M

LMFA Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	-$9.14M	-$3.40M	-$11.95M	-$13.99M
Capital Expenditure	-$14.66M	-$1.63M	-$2.22M	-$25.03M
Free Cash Flow	-$23.80M	-$5.03M	-$14.16M	-$39.02M
Depreciation & Amortisation	$478.02K	$4.98M	$7.77M	$8.17M
Stock-Based Compensation	$17.67M	$2.94M	$519.54K	$687.75K
Investing Cash Flow	-$18.89M	$2.30M	$379.42K	-$19.54M
Financing Cash Flow	-$299.03K	-$731.03K	$12.54M	$31.58M
Share Repurchases	$0.00	-$106.55K	$0.00	-$7.97M
Net Change in Cash	-$28.32M	-$1.84M	$976.32K	-$1.95M

LMFA Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Revenue	$2.37M	$5.44M	$2.18M	$2.37M	$2.11M
Cost of Revenue	$2.82M	—	$3.95M	$3.76M	$3.73M
Gross Profit	-$447.20K	—	-$1.77M	-$1.39M	-$1.62M
Selling, General & Admin	$674.45K	$1.46M	$891.82K	$972.62K	$722.12K
Operating Expenses	$4.70M	—	$1.97M	$13.50M	$5.34M
Operating Income	-$5.15M	—	-$3.74M	-$14.88M	-$6.96M
EBITDA	-$3.11M	$2.33M	-$1.76M	-$12.76M	-$6.13M
Pretax Income	-$5.41M	$60.50K	-$3.72M	-$17.90M	-$10.12M
Income Tax	$0.00	$0.00	$0.00	$0.00	$0.00
Net Income	-$5.40M	$100.55K	-$3.73M	-$17.89M	-$10.12M
Diluted EPS	-1.05	0.02	-0.41	—	-0.47
Diluted Shares	5.13M	5.13M	9.99M	—	21.46M

LMFA Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Cash & Equivalents	$1.98M	$837.17K	$291.57K	$1.42M	$801.20K
Receivables	$31.19K	$31.19K	$59.34K	$12.73M	$11.89M
Current Assets	—	—	$18.18M	$23.50M	$22.83M
Total Assets	$39.12M	$39.03M	$60.16M	$51.32M	$41.75M
Current Liabilities	—	—	$9.90M	$19.92M	$20.14M
Long-Term Debt	$6.39M	$4.91M	$1.24M	$1.93M	$1.94M
Total Debt	$7.68M	$7.36M	$8.62M	$20.65M	$20.41M
Total Liabilities	$9.08M	$8.91M	$11.75M	$22.44M	$22.66M
Retained Earnings	-$71.06M	-$70.96M	-$74.69M	-$92.58M	-$102.70M
Shareholders' Equity	$31.73M	$31.86M	$50.14M	$30.62M	$20.83M
Working Capital	—	—	$8.28M	$3.58M	$2.69M
Net Debt	$4.77M	$5.71M	$7.53M	$18.44M	$18.83M

LMFA Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Operating Cash Flow	-$2.90M	-$2.81M	-$3.06M	-$5.22M	-$3.29M
Capital Expenditure	-$201.49K	-$1.16M	-$17.97M	-$5.69M	-$211.07K
Free Cash Flow	-$3.10M	-$3.98M	-$21.03M	-$10.91M	-$3.50M
Depreciation & Amortisation	$2.04M	$2.04M	$1.97M	$2.12M	$829.83K
Stock-Based Compensation	$110.81K	$24.62K	$123.96K	$428.36K	$331.15K
Investing Cash Flow	$749.10K	$2.36M	-$19.52M	-$3.13M	$2.90M
Financing Cash Flow	-$199.38K	-$217.79K	$22.51M	$9.48M	-$230.53K
Net Change in Cash	-$2.35M	-$675.29K	-$62.01K	$1.13M	-$623.23K

Market Snapshot

About

LM Funding America, Inc. is a specialty finance company that provides funding to nonprofit community associations in the United States. The company purchases association-related receivables and advances funds to associations for various purposes. LM Funding America operates primarily in Florida and focuses on homeowners' associations and condominium associations. The company generates revenue through interest and fees on its funding programs.