Lm Fdg Amer Inc Financials
This page shows Lm Fdg Amer Inc (LMFA) financial statements, including the 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).
LM Funding’s operating model is being carried by external financing as cash burn outruns a shrinking revenue base and liquidity cushion.
In FY2025, operating cash burn of-$14.0M plus capital spending of$2.2M kept free cash flow deeply negative even though the net loss was partly cushioned by heavy noncash depreciation. That matters because cash on hand fell to$1.4M and the current ratio compressed to 1.2x from FY2024, showing the business is now funded more by financing inflows than by its own activity.
Positive equity of
Revenue shrinkage since FY2023 has been met with worsening cost absorption, not a matching expense reset: FY2025 produced an operating loss of
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →
Health score ≠ stock price. This rates the quality of Lm Fdg Amer 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 Fdg Amer Inc has an operating margin of -258.7%, meaning the company retains $-259 of operating profit per $100 of revenue. This below-average margin results in a low score of 0/100, suggesting thin profitability after operating expenses. This is down from -58.7% the prior year.
Lm Fdg Amer Inc's revenue declined 19.6% year-over-year, from $11.0M to $8.8M. This contraction results in a growth score of 4/100.
Lm Fdg Amer Inc carries a low D/E ratio of 0.73, meaning only $0.73 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 87/100, indicating a strong balance sheet with room for future borrowing.
Lm Fdg Amer Inc's current ratio of 1.18 is below the typical benchmark, resulting in a score of 19/100. This tight liquidity could limit financial flexibility if cash inflows slow.
While Lm Fdg Amer Inc generated -$14.0M in operating cash flow, capex of $2.2M consumed most of it, leaving -$16.2M in free cash flow. This results in a low score of 0/100, reflecting heavy capital investment rather than weak cash generation.
Lm Fdg Amer Inc generates a -88.1% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 0/100. This is down from -20.7% the prior year.
Lm Fdg Amer Inc passes 1 of 9 financial strength tests. 1 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.
For every $1 of reported earnings, Lm Fdg Amer Inc generates $0.52 in operating cash flow (-$14.0M OCF vs -$27.0M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.
Lm Fdg Amer Inc earns $-20.3 in operating income for every $1 of interest expense (-$22.9M vs $1.1M). This narrow margin raises concern about the company's ability to service its debt if operating income declines.
Key Financial Metrics
Earnings & Revenue
Lm Fdg Amer Inc generated $8.8M in revenue in fiscal year 2025. This represents a decrease of 19.6% from the prior year.
Lm Fdg Amer Inc's EBITDA was -$14.7M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 1220.9% from the prior year.
Lm Fdg Amer Inc reported -$27.0M in net income in fiscal year 2025. This represents a decrease of 252.4% from the prior year.
Lm Fdg Amer Inc earned $-3.28 per diluted share (EPS) in fiscal year 2025. This represents an increase of 34.7% from the prior year.
Cash & Balance Sheet
Lm Fdg Amer Inc generated -$16.2M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 18.4% from the prior year.
Lm Fdg Amer Inc held $1.4M in cash against $0 in long-term debt as of fiscal year 2025.
Lm Fdg Amer Inc had 14M shares outstanding in fiscal year 2025. This represents an increase of 175.1% from the prior year.
Margins & Returns
Lm Fdg Amer Inc's operating margin was -258.7% in fiscal year 2025, reflecting core business profitability. This is down 200.0 percentage points from the prior year.
Lm Fdg Amer Inc's net profit margin was -305.0% in fiscal year 2025, showing the share of revenue converted to profit. This is down 235.4 percentage points from the prior year.
Lm Fdg Amer Inc's ROE was -88.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 67.4 percentage points from the prior year.
Capital Allocation
Lm Fdg Amer Inc spent $8.0M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.
Lm Fdg Amer Inc invested $2.2M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 27.4% from the prior year.
LMFA Income Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $2.4M+8.7% | $2.2M+13.0% | $1.9M-18.7% | $2.4M+19.4% | $2.0M+58.1% | $1.3M-58.3% | $3.0M-36.6% | $4.7M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $449K0.0% | $448K+19.5% | $375K+21.1% | $310K+32.3% | $234K+12.1% | $209K+6.9% | $196K+10.0% | $178K |
| Operating Income | -$14.7M-317.7% | -$3.5M-930.4% | $424K+108.3% | -$5.1M-701.6% | $848K+121.2% | -$4.0M+7.2% | -$4.3M-529.5% | $1.0M |
| Interest Expense | $441K+87.4% | $235K+3.4% | $228K+3.0% | $221K+4.2% | $212K+70.9% | $124K+236.2% | $37K-47.9% | $71K |
| Income Tax | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Net Income | -$17.9M-381.2% | -$3.7M-3808.9% | $101K+101.9% | -$5.4M-1910.6% | $298K+107.0% | -$4.3M+23.6% | -$5.6M-389.2% | $1.9M |
| EPS (Diluted) | N/A | $-0.41-2150.0% | $0.02+101.9% | $-1.05 | N/A | $-2.25+0.4% | $-2.26-382.5% | $0.80 |
LMFA Balance Sheet
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $51.3M-14.7% | $60.2M+54.1% | $39.0M-0.2% | $39.1M-11.2% | $44.0M+16.3% | $37.9M+8.0% | $35.1M-13.7% | $40.6M |
| Current Assets | $23.5M+29.3% | $18.2M+43.1% | $12.7M+24.1% | $10.2M-24.2% | $13.5M+19.5% | $11.3M-1.6% | $11.5M-24.6% | $15.2M |
| Cash & Equivalents | $1.4M+388.5% | $292K-17.5% | $354K-65.6% | $1.0M-69.5% | $3.4M-42.9% | $5.9M+3959.9% | $146K-82.4% | $827K |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $22.4M+91.0% | $11.7M+31.9% | $8.9M-1.9% | $9.1M+4.3% | $8.7M+9.6% | $7.9M+154.1% | $3.1M+20.5% | $2.6M |
| Current Liabilities | $19.9M+101.2% | $9.9M+192.7% | $3.4M+73.7% | $1.9M+24.6% | $1.6M-49.5% | $3.1M-0.2% | $3.1M+22.2% | $2.5M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $30.6M-38.9% | $50.1M+57.4% | $31.9M+0.4% | $31.7M-14.3% | $37.0M+22.6% | $30.2M-7.1% | $32.5M-15.5% | $38.5M |
| Retained Earnings | -$92.6M-24.0% | -$74.7M-5.3% | -$71.0M+0.1% | -$71.1M-8.2% | -$65.7M+1.0% | -$66.3M-6.9% | -$62.0M-9.9% | -$56.4M |
LMFA Cash Flow Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$5.2M-70.8% | -$3.1M-8.6% | -$2.8M+2.9% | -$2.9M+11.0% | -$3.3M-20.5% | -$2.7M+10.4% | -$3.0M-1.4% | -$3.0M |
| Capital Expenditures | $1.6M+507.9% | $258K+24.8% | $207K+21.8% | $170K-66.3% | $504K+27503.7% | $2K-99.9% | $1.2M | $0 |
| Free Cash Flow | -$6.8M-104.9% | -$3.3M-9.7% | -$3.0M+1.5% | -$3.1M+18.4% | -$3.8M-39.1% | -$2.7M+36.3% | -$4.2M-42.7% | -$3.0M |
| Investing Cash Flow | -$3.1M+84.0% | -$19.5M-928.2% | $2.4M+214.6% | $749K+119.5% | -$3.9M-354.3% | $1.5M+40.8% | $1.1M-34.4% | $1.6M |
| Financing Cash Flow | $9.5M-57.9% | $22.5M+10437.6% | -$218K-9.2% | -$199K-104.4% | $4.6M-34.3% | $7.0M+452.8% | $1.3M+620.0% | -$242K |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
LMFA Financial Ratios
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | -620.7%-459.3pp | -161.5%-183.4pp | 22.0%+237.0pp | -215.1%-257.8pp | 42.7%+361.4pp | -318.7%-175.4pp | -143.2%-164.4pp | 21.1% |
| Net Margin | -758.3%-587.1pp | -171.2%-176.4pp | 5.2%+232.9pp | -227.7%-242.7pp | 15.0%+356.3pp | -341.3%-155.0pp | -186.3%-227.1pp | 40.8% |
| Return on Equity | -58.6%-51.2pp | -7.4%-7.8pp | 0.3%+17.3pp | -17.0%-17.8pp | 0.8%+15.0pp | -14.2%+3.1pp | -17.3%-22.3pp | 5.0% |
| Return on Assets | -35.0%-28.8pp | -6.2%-6.5pp | 0.3%+14.1pp | -13.8%-14.5pp | 0.7%+12.0pp | -11.3%+4.7pp | -16.0%-20.8pp | 4.8% |
| Current Ratio | 1.18-0.7 | 1.84-1.9 | 3.75-1.5 | 5.25-3.4 | 8.64+5.0 | 3.65-0.1 | 3.70-2.3 | 6.00 |
| Debt-to-Equity | 0.73+0.5 | 0.23-0.0 | 0.280.0 | 0.29+0.1 | 0.24-0.0 | 0.26+0.2 | 0.10+0.0 | 0.07 |
| FCF Margin | -286.9%-134.8pp | -152.1%+4.6pp | -156.7%-27.3pp | -129.4%+60.0pp | -189.4%+25.9pp | -215.3%-74.5pp | -140.9%-78.3pp | -62.6% |
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Frequently Asked Questions
What is Lm Fdg Amer Inc's annual revenue?
Lm Fdg Amer 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 Fdg Amer Inc's revenue growing?
Lm Fdg Amer Inc (LMFA) revenue declined by 19.6% year-over-year, from $11.0M to $8.8M in fiscal year 2025.
Is Lm Fdg Amer Inc profitable?
No, Lm Fdg Amer Inc (LMFA) reported a net income of -$27.0M in fiscal year 2025, with a net profit margin of -305.0%.
What is Lm Fdg Amer Inc's EBITDA?
Lm Fdg Amer Inc (LMFA) had EBITDA of -$14.7M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
What is Lm Fdg Amer Inc's operating margin?
Lm Fdg Amer Inc (LMFA) had an operating margin of -258.7% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is Lm Fdg Amer Inc's net profit margin?
Lm Fdg Amer Inc (LMFA) had a net profit margin of -305.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Lm Fdg Amer Inc's return on equity (ROE)?
Lm Fdg Amer 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 Fdg Amer Inc's free cash flow?
Lm Fdg Amer Inc (LMFA) generated -$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 Fdg Amer Inc's operating cash flow?
Lm Fdg Amer Inc (LMFA) generated -$14.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Lm Fdg Amer Inc's total assets?
Lm Fdg Amer Inc (LMFA) had $51.3M in total assets as of fiscal year 2025, including both current and long-term assets.
What are Lm Fdg Amer Inc's capital expenditures?
Lm Fdg Amer Inc (LMFA) invested $2.2M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Lm Fdg Amer Inc's current ratio?
Lm Fdg Amer Inc (LMFA) had a current ratio of 1.18 as of fiscal year 2025, which is considered adequate.
What is Lm Fdg Amer Inc's debt-to-equity ratio?
Lm Fdg Amer 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 Fdg Amer Inc's return on assets (ROA)?
Lm Fdg Amer 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 Fdg Amer Inc's cash runway?
Based on fiscal year 2025 data, Lm Fdg Amer Inc (LMFA) had $1.4M in cash against an annual operating cash burn of $14.0M. This gives an estimated cash runway of approximately 1 months at the current burn rate. Cash runway measures how long a company can continue operating before running out of cash, assuming no additional funding.
What is Lm Fdg Amer Inc's Piotroski F-Score?
Lm Fdg Amer Inc (LMFA) has a Piotroski F-Score of 1 out of 9, indicating weak financial health. 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 Fdg Amer Inc's earnings high quality?
Lm Fdg Amer Inc (LMFA) has an earnings quality ratio of 0.52x, considered low quality (accrual-driven). 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 Fdg Amer Inc cover its interest payments?
Lm Fdg Amer Inc (LMFA) has an interest coverage ratio of -20.3x, meaning it can struggle to cover its interest obligations. 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 Fdg Amer Inc?
Lm Fdg Amer Inc (LMFA) scores 18 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.