LM Funding Financials

LMFA Stock  USD 2.80  0.24  7.89%   
Based on the key indicators obtained from LM Funding's historical financial statements, LM Funding America is not in a good financial situation at the present time. It has a very high chance of going through financial crunch in December. At present, LM Funding's Other Current Liabilities is projected to decrease significantly based on the last few years of reporting. The current year's Total Current Liabilities is expected to grow to about 2.9 M, whereas Total Assets are forecasted to decline to about 21.9 M. Key indicators impacting LM Funding's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Current Ratio2.02.1101
Notably Down
Pretty Stable
The financial analysis of LM Funding is a critical element in measuring its lifeblood. Investors should not minimize LM Funding's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

(15.15 Million)

  
Understanding current and past LM Funding Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of LM Funding's financial statements are interrelated, with each one affecting the others. For example, an increase in LM Funding's assets may result in an increase in income on the income statement.
Please note, the presentation of LM Funding's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, LM Funding's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of LM Funding's management manipulating its earnings.

LM Funding Stock Summary

LM Funding competes with X Financial, Nisun International, Sentage Holdings, Yirendai, and Lexinfintech Holdings. LM Funding America, Inc. operates as a specialty finance company. LM Funding America, Inc. was founded in 2008 and is based in Tampa, Florida. Lm Funding operates under Credit Services classification in the United States and is traded on NASDAQ Exchange. It employs 8 people.
Specialization
Financial Services, Financial Services
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS5020744042
CUSIP502074404 502074305 502074107 502074503 502074206
LocationFlorida; U.S.A
Business Address1200 Platt Street,
SectorFinancial Services
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.lmfunding.com
Phone813 222 8996
CurrencyUSD - US Dollar

LM Funding Key Financial Ratios

LM Funding Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets7.6M12.3M62.1M53.2M37.7M21.9M
Other Current Liab(525.1K)(436.9K)(857.8K)551.3K22.8K24.0K
Net Debt3.3M(11.1M)(32.4M)(3.5M)(1.7M)(1.7M)
Accounts Payable354.9K237.0K463.6K1.6M2.1M2.2M
Cash1.1M11.6M32.6M4.2M2.4M2.3M
Other Assets582.7K597.6K(761.2K)21.5M5.8M3.7M
Long Term Debt39.0K42.9K4.0M185.8K167.2K158.8K
Net Receivables152.8K168.8K2M4.1M1.7M1.6M
Other Current Assets(1.4M)399.1K1.2M1.2M(7.5M)(7.2M)
Total Liab4.8M849.1K646.3K2.4M2.9M3.2M
Total Current Assets1.2M11.6M36.7M4.2M5.8M8.6M
Net Tangible Assets5.8M(1.2M)11.5M60.8M69.9M73.4M
Short Long Term Debt170.2K96.3K114.7K475.8K567.6K539.2K
Short Term Debt170.2K199.9K68.0K90.8K678.0K694.5K
Common Stock3.1K15.4K13.0K13.1K2.5K2.6K
Retained Earnings(14.5M)(18.5M)(13.8M)(43.0M)(59.0M)(56.0M)

LM Funding Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense142.2K7.2K653.04.4K4.0K3.8K
Total Revenue2.9M1.3M14.0M5.4M6.2M5.9M
Gross Profit2.3M956.6K13.8M4.3M(3.2M)(3.1M)
Operating Income(3.0M)(4.0M)5.1M(27.8M)(10.1M)(9.6M)
Ebit(3.0M)(9.4M)(5.8M)(43.9M)(19.9M)(18.9M)
Research Development22.0K3.210.3615.821.451.38
Ebitda(2.9M)(4.0M)4.4M(20.9M)(14.9M)(14.1M)
Cost Of Revenue620.4K329.8K250.5K1.0M9.4M9.9M
Income Before Tax(3.0M)(4.1M)5.3M(26.4M)(18.8M)(17.9M)
Net Income(3.0M)(4.0M)4.8M(27.9M)(15.9M)(15.1M)
Income Tax Expense(1.7M)(17.7K)326.2K1.4M60.6K57.5K
Interest Income1.5M623.8K683.4K758.1K704.0K1.2M
Net Interest Income1.4M616.6K682.7K753.7K699.6K1.1M

LM Funding Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash(2.5M)10.5M21.0M(28.3M)(1.8M)(1.7M)
Free Cash Flow(1.2M)(3.5M)(14.7M)(24.8M)(5.0M)(5.3M)
Depreciation63.8K11.1K1.4K478.0K5.0M5.2M
Other Non Cash Items7.0K35.4K29.5M(246.6K)6.0M3.8M
Capital Expenditures14.0K1.3K18.2M15.7M1.6M1.5M
Net Income(3.0M)(4.0M)5.0M(27.9M)(15.9M)(15.1M)
End Period Cash Flow1.1M11.6M32.6M4.2M2.4M2.3M
Net Borrowings(372.6K)(194.1K)20.0K(220.4K)(253.4K)(266.1K)
Change To Netincome1.5M(146.0K)(1.2M)23.5M27.0M28.4M

LMFA Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining LM Funding's current stock value. Our valuation model uses many indicators to compare LM Funding value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across LM Funding competition to find correlations between indicators driving LM Funding's intrinsic value. More Info.
LM Funding America is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers . At present, LM Funding's Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the LM Funding's earnings, one of the primary drivers of an investment's value.

LM Funding America Systematic Risk

LM Funding's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. LM Funding volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twelve with a total number of output elements of fourty-nine. The Beta measures systematic risk based on how returns on LM Funding America correlated with the market. If Beta is less than 0 LM Funding generally moves in the opposite direction as compared to the market. If LM Funding Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one LM Funding America is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of LM Funding is generally in the same direction as the market. If Beta > 1 LM Funding moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in LM Funding Stock are looking for potential investment opportunities by analyzing not only static indicators but also various LM Funding's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of LM Funding growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.0111

At present, LM Funding's Price Earnings To Growth Ratio is projected to slightly decrease based on the last few years of reporting.

LM Funding November 26, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of LM Funding help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of LM Funding America. We use our internally-developed statistical techniques to arrive at the intrinsic value of LM Funding America based on widely used predictive technical indicators. In general, we focus on analyzing LMFA Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build LM Funding's daily price indicators and compare them against related drivers.

Complementary Tools for LMFA Stock analysis

When running LM Funding's price analysis, check to measure LM Funding's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy LM Funding is operating at the current time. Most of LM Funding's value examination focuses on studying past and present price action to predict the probability of LM Funding's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move LM Funding's price. Additionally, you may evaluate how the addition of LM Funding to your portfolios can decrease your overall portfolio volatility.
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