LM Funding America, Inc. (LMFA) Financials
Newest figures come from the 10-Q for Q1 FY2026, filed May 15, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the LMFA SEC filings page.
LM Funding America, Inc. (LMFA) reported $8.6M in revenue over the twelve months to Mar 31, 2026, down 0.5% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 12 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financing-dependent operations now coexist with sharply tighter liquidity and a weaker earnings profile at LM Funding.
FY2025 operating cash flow was-$14.0M against free cash flow of-$16.2M , while financing supplied$31.6M ; the business therefore relied on external capital to fund both ongoing cash needs and reinvestment. At the same time, the current ratio fell from 8.6x to 1.2x as current liabilities reached$19.9M , showing that financing support did not translate into the same short-term balance-sheet cushion.
The deterioration was not simply a revenue problem: revenue declined to
The capital structure changed materially across the period. Debt-to-equity rose from 0.2x in FY2024 to 0.7x in FY2025, while reported shares outstanding increased from 5.1M to 14.1M even as the company recorded
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of LM Funding America, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
LM Funding America, Inc. earned a return on assets of -52.6% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is down from -17.4% the prior year. Earnings ranks banks on that return over three years, and LM Funding America, Inc. scores 2/100 among other banks.
LM Funding America, Inc. reported revenue of $8.8M in fiscal year 2025, against $11.0M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and LM Funding America, Inc. scores 5/100 among other banks.
LM Funding America, Inc. funded 59.7% of its assets with shareholders' equity at the end of fiscal year 2025, holding $30.6M of equity against $51.3M of assets. Capital ranks banks on that cushion, and LM Funding America, Inc. scores 95/100 among other banks.
Not available for LM Funding America, Inc., and counted as zero in the overall score.
Not available for LM Funding America, Inc., and counted as zero in the overall score.
LM Funding America, Inc. reported a net loss of $27.0M in fiscal year 2025, against a loss of $7.7M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and LM Funding America, Inc. scores 23/100 among other banks.
LM Funding America, Inc. passes 1 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 1 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.
LM Funding America, Inc. reported a net loss of $27.0M while operations used $14.0M of cash. With neither figure positive, the ratio between the two carries no quality signal.
LM Funding America, Inc. reported an operating loss of $22.9M against $1.1M in interest expense. There is no operating profit to cover interest, so interest must be met from cash reserves or from financing rather than from operations.
Key Financial Metrics
Earnings & Revenue
LM Funding America, Inc. generated $2.1M in revenue in Q1 2026. This represents a decrease of 11.1% from the same quarter a year earlier. Against the prior quarter it is down 10.9%.
LM Funding America, Inc.'s EBITDA was -$5.6M in Q1 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 83.0% from the same quarter a year earlier. Against the prior quarter it is up 55.4%.
LM Funding America, Inc. reported -$10.1M in net income in Q1 2026. This represents a decrease of 87.4% from the same quarter a year earlier. Against the prior quarter it is up 43.6%.
Cash & Balance Sheet
LM Funding America, Inc. recorded an outflow of $3.5M in free cash flow in Q1 2026, representing a cash shortfall after capex. This represents a decrease of 13.9% from the same quarter a year earlier. Against the prior quarter it is up 48.5%.
LM Funding America, Inc. held $801K in cash as of Q1 2026; long-term debt is not reported for that period.
Not reported for Q1 2026.
Margins & Returns
LM Funding America, Inc.'s ROE was -48.6% in Q1 2026, measuring profit generated per dollar of shareholder equity. This is down 31.6 percentage points from the same quarter a year earlier. Against the prior quarter it is up 10.0 percentage points.
Not reported for Q1 2026.
Not shown for Q1 2026: the reported ratio is below -100.0% of revenue, so it does not read as a share of revenue.
Not shown for Q1 2026: the reported ratio is below -100.0% of revenue, so it does not read as a share of revenue.
Capital Allocation
LM Funding America, Inc. invested $208K in capex in Q1 2026, funding long-term assets and infrastructure. This represents an increase of 22.2% from the same quarter a year earlier. Against the prior quarter it is down 86.8%.
Not reported for Q1 2026.
Not reported for Q1 2026.
LMFA Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q | Q2'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $2.1M-11.1% | $2.4M+19.2% | $2.2M+73.5% | $1.9M-36.0% | $2.4M-50.1% | $2.0M-51.0% | $1.3M-63.3% | $3.0M-5.8% |
| SG&A Expenses | $376K+21.4% | $449K+91.5% | $448K+114.5% | $375K+91.9% | $310K+74.2% | $234K+39.0% | $209K+3.9% | $196K-19.3% |
| Operating Income | -$6.4M-26.1% | -$14.7M-1833.1% | -$3.5M+12.1% | $424K+109.8% | -$5.1M-607.8% | $848K+147.8% | -$4.0M-26.2% | -$4.3M-36.6% |
| EBITDA | -$5.6M-83.0% | -$12.6M-543.4% | -$1.5M+25.2% | $2.5M+201.0% | -$3.1M-202.7% | $2.8M+1114.1% | -$2.1M-24.9% | -$2.4M-22.7% |
| Interest Expense | $545K+146.8% | $441K+108.0% | $235K+89.7% | $228K+516.8% | $221K+211.9% | $212K | $124K | $37K |
| Income Tax | $0 | $0 | $0 | $0 | $0 | $0-100.0% | $0 | $0 |
| Net Income | -$10.1M-87.4% | -$17.9M-6119.2% | -$3.7M+13.0% | $101K+101.8% | -$5.4M-378.3% | $298K+118.7% | -$4.3M+3.0% | -$5.6M-23.3% |
| EPS (Basic) | -$0.47+55.2% | N/A | -$0.41+81.8% | $0.02+100.9% | -$1.05-231.3% | N/A | -$2.25-14.2% | -$2.26-8.7% |
| EPS (Diluted) | -$0.47 | N/A | -$0.41 | $0.02 | -$1.05 | N/A | -$2.25 | -$2.26 |
| Diluted Shares (Avg) | 21M | N/A | 10M | 5M | 5M | N/A | 3M | 2M |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses.
LMFA Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q | Q2'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $41.8M+6.7% | $51.3M+16.5% | $60.2M+58.9% | $39.0M+11.4% | $39.1M-3.7% | $44.0M+16.8% | $37.9M-1.5% | $35.1M-17.2% |
| Current Assets | $22.8M+123.2% | $23.5M+74.0% | $18.2M+60.9% | $12.7M+10.5% | $10.2M-32.9% | $13.5M+33.0% | $11.3M+62.5% | $11.5M+46.9% |
| Cash & Equivalents | $801K-22.1% | $1.4M-57.8% | $292K-95.1% | $354K+142.8% | $1.0M+24.4% | $3.4M+40.6% | $5.9M+1160.8% | $146K-92.1% |
| Total Liabilities | $22.7M+149.5% | $22.4M+157.8% | $11.7M+47.9% | $8.9M+184.9% | $9.1M+250.1% | $8.7M+205.3% | $7.9M+207.6% | $3.1M+28.2% |
| Current Liabilities | $20.1M+934.2% | $19.9M+1174.4% | $9.9M+219.9% | $3.4M+9.1% | $1.9M-23.3% | $1.6M-43.5% | $3.1M+25.4% | $3.1M+35.6% |
| Non-Current Liabilities | $2.5M-64.7% | $2.5M-64.7% | $1.8M-61.9% | $5.5M+21190.0% | $7.1M+12606.9% | $7.1M+8226.3% | $4.8M+4121.9% | $26K-82.9% |
| Total Equity | $20.8M-34.4% | $30.6M-17.3% | $50.1M+66.0% | $31.9M-2.0% | $31.7M-17.5% | $37.0M+2.3% | $30.2M-19.2% | $32.5M-21.0% |
| Retained Earnings | -$102.7M-44.5% | -$92.6M-41.0% | -$74.7M-12.7% | -$71.0M-14.4% | -$71.1M-26.0% | -$65.7M-11.4% | -$66.3M-15.6% | -$62.0M-17.1% |
Not reported in any period shown, so not listed: Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Goodwill, Long-Term Debt.
LMFA Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q | Q2'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$3.3M-13.4% | -$5.2M-60.3% | -$3.1M-13.1% | -$2.8M+6.7% | -$2.9M+2.5% | -$3.3M-309.6% | -$2.7M-135.7% | -$3.0M-713.4% |
| Depreciation & Amortization | $830K-59.3% | $2.1M+6.8% | $2.0M+1.9% | $2.0M+8.7% | $2.0M+3.1% | $2.0M+32.8% | $1.9M+27.6% | $1.9M+60.4% |
| Stock-Based Compensation | $331K | N/A | $124K+24.0% | $25K-75.0% | $0-100.0% | N/A | $100K-66.7% | $100K-90.9% |
| Capital Expenditures | $208K+22.2% | $1.6M+211.7% | $258K+14055.5% | $207K-83.1% | $170K | $504K+75.0% | $2K-98.9% | $1.2M-17.2% |
| Free Cash Flow | -$3.5M-13.9% | -$6.8M-80.6% | -$3.3M-22.6% | -$3.0M+28.8% | -$3.1M-3.2% | -$3.8M-247.2% | -$2.7M-105.6% | -$4.2M-129.1% |
| Investing Cash Flow | $2.9M+286.6% | -$3.1M+18.8% | -$19.5M-1388.7% | $2.4M+119.1% | $749K-54.3% | -$3.9M-231.0% | $1.5M+962.6% | $1.1M+216.3% |
| Financing Cash Flow | -$231K-15.6% | $9.5M+107.3% | $22.5M+223.7% | -$218K-117.3% | -$199K+17.6% | $4.6M+2257.6% | $7.0M+12486.9% | $1.3M+540.5% |
Not reported in any period shown, so not listed: Dividends Paid, Share Buybacks.
LMFA Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q | Q2'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Margin | -305.0% | -620.7% | -161.5% | 22.0% | -215.1% | 42.7%+86.5pp | -318.7% | -143.2% |
| Net Margin | -479.8% | -758.3% | -171.2% | 5.2% | -227.7% | 15.0%+54.3pp | -341.3% | -186.3% |
| Return on Equity | -48.6%-31.6pp | -58.6%-59.4pp | -7.4%+6.8pp | 0.3%+17.6pp | -17.0%-22.1pp | 0.8%+5.2pp | -14.2%-2.4pp | -17.3%-6.2pp |
| Return on Assets | -24.2%-10.4pp | -35.0%-35.6pp | -6.2%+5.1pp | 0.3%+16.3pp | -13.8%-18.6pp | 0.7%+4.9pp | -11.3%+0.2pp | -16.0%-5.3pp |
| Current Ratio | 1.13-4.1x | 1.18-7.5x | 1.84-1.8x | 3.750.0x | 5.25-0.8x | 8.64+5.0x | 3.65+0.8x | 3.70+0.3x |
| Debt-to-Equity | 1.09+0.8x | 0.73+0.5x | 0.230.0x | 0.28+0.2x | 0.29+0.2x | 0.24+0.2x | 0.26+0.2x | 0.100.0x |
| Asset Turnover | 0.050.0x | 0.050.0x | 0.040.0x | 0.050.0x | 0.06-0.1x | 0.05-0.1x | 0.03-0.1x | 0.090.0x |
| FCF Margin | -165.8% | -286.9% | -152.1% | -156.7% | -129.4% | -189.4% | -215.3% | -140.9% |
Not reported in any period shown, so not listed: Gross Margin.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Operating Margin, Net Margin, FCF Margin.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| LM Funding America, Inc. LMFA | FY2025 | $8.8M | -$27.0M | N/A | $2.4M | 21/100 |
| Pintec Technology Holdings Limited American PT | FY2025 | $1.6M | -$1.3M | -82.8% | $19.3M | 18/100 |
| Sentage Holdings Inc. SNTG | FY2025 | $69K | -$2.3M | N/A | $4.8M | — |
| Finance of America Companies Inc. FOA | FY2025 | $497.4M | $45.2M | 9.1% | $129.1M | 24/100 |
| CPI Card Group Inc. PMTS | FY2025 | $543.5M | $14.9M | 2.8% | $279.8M | 61/100 |
Where LM Funding America, Inc. Ranks
Frequently Asked Questions
What is LM Funding America, Inc.'s annual revenue?
LM Funding America, Inc. (LMFA) reported $8.8M in total revenue for fiscal year 2025. This represents a -19.6% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is LM Funding America, Inc.'s revenue growing?
LM Funding America, Inc. (LMFA) revenue declined by 19.6% year-over-year, from $11.0M to $8.8M in fiscal year 2025.
Is LM Funding America, Inc. profitable?
No, LM Funding America, Inc. (LMFA) reported a net income of -$27.0M in fiscal year 2025.
What is LM Funding America, Inc.'s EBITDA?
LM Funding America, Inc. (LMFA) had EBITDA of -$14.7M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
What is LM Funding America, Inc.'s return on equity (ROE)?
LM Funding America, Inc. (LMFA) has a return on equity of -88.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is LM Funding America, Inc.'s free cash flow?
LM Funding America, Inc. (LMFA) recorded an outflow of $16.2M in free cash flow during fiscal year 2025. This represents a -18.4% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is LM Funding America, Inc.'s operating cash flow?
LM Funding America, Inc. (LMFA) recorded an outflow of $14.0M in operating cash flow during fiscal year 2025, representing cash used by core business activities.
What are LM Funding America, Inc.'s total assets?
LM Funding America, Inc. (LMFA) had $51.3M in total assets as of fiscal year 2025, including both current and long-term assets.
What are LM Funding America, Inc.'s capital expenditures?
LM Funding America, Inc. (LMFA) invested $2.2M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is LM Funding America, Inc.'s current ratio?
LM Funding America, Inc. (LMFA) had a current ratio of 1.18 as of fiscal year 2025, which is considered adequate.
What is LM Funding America, Inc.'s debt-to-equity ratio?
LM Funding America, Inc. (LMFA) had a debt-to-equity ratio of 0.73 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is LM Funding America, Inc.'s return on assets (ROA)?
LM Funding America, Inc. (LMFA) had a return on assets of -52.6% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is LM Funding America, Inc.'s Piotroski F-Score?
LM Funding America, Inc. (LMFA) has a Piotroski F-Score of 1 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are LM Funding America, Inc.'s earnings high quality?
LM Funding America, Inc. (LMFA) reported a net loss of $27.0M while operations used $14.0M of cash. With neither figure positive, the ratio between the two carries no quality signal. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
Can LM Funding America, Inc. cover its interest payments?
LM Funding America, Inc. (LMFA) reported an operating loss of $22.9M against $1.1M in interest expense. There is no operating profit to cover interest, so interest must be met from cash reserves or from financing rather than from operations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.
How financially healthy is LM Funding America, Inc.?
LM Funding America, Inc. (LMFA) scores 21 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.