LM Funding America (LMFA) Stock Price, News & Analysis

Company Overview

LM Funding America, Inc. is a specialty finance company that provides capital solutions to non-prime consumer finance companies in the United States. Through its wholesale finance platforms, the company offers a range of asset-backed financing products, including floorplan financing, wholesale demand promissory notes, and working capital loans. Its clients typically originate small-dollar loans for used vehicles, recreational vehicles and similar consumer durables, and then sell the related receivables to LM Funding America to manage liquidity and risk.

The company’s platform is built around structured financing agreements that enable consumer finance companies to obtain short-term funding collateralized by their retail installment receivables. In addition to its core floorplan financing products, LM Funding America provides receivables purchase programs in which it acquires portfolios of retail installment contracts, offering clients ongoing funding and credit support. These services help dealers and finance companies expand their lending capacity, stabilize cash flows and mitigate credit risk through diversifying their funding sources.

Founded in the early 2000s and headquartered in Florida, LM Funding America has grown its footprint through both organic expansion and targeted acquisitions of niche finance businesses. The company serves a broad network of independent finance companies and dealerships across the southeastern and midwestern United States, with strategic relationships that enable it to tailor financing solutions to local market needs. Over time, it has enhanced its underwriting capabilities and risk management processes, leveraging proprietary data analytics to price and structure financing programs efficiently.

LM Funding America is led by an experienced management team with deep expertise in consumer finance, credit underwriting and structured lending. Its leadership emphasizes disciplined credit standards, robust collateral management and transparent reporting, aiming to deliver consistent funding solutions for its clients while maintaining strong asset quality. The company continues to explore opportunities to broaden its product offerings and geographic reach within the non-prime lending sector.

Key Stats

• Today's Range: $2.20 to $2.38
• 50-Day Range: $1.55 to $2.86
• 52-Week Range: $1.02 to $4.82
• Volume: 221,553 shs
• Average Volume: 300,715 shs
• Market Capitalization: $11.39 million
• P/E Ratio: N/A
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: Hold

LM Funding America Stock Analysis - MarketRank™

LM Funding America scored higher than 31% of companies evaluated by MarketBeat, and ranked 786th out of 939 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for LM Funding America.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: Growing

Earnings Growth

Earnings for LM Funding America are expected to grow in the coming year, from ($5.50) to ($4.97) per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of LM Funding America is -0.33, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Earnings Ratio vs. Sector

The P/E ratio of LM Funding America is -0.33, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Book Value per Share Ratio

LM Funding America has a P/B Ratio of 0.32. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.31% of the float of LM Funding America has been sold short.

Short Interest Ratio / Days to Cover

LM Funding America has a short interest ratio ("days to cover") of 0.6, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in LM Funding America has recently increased by 37.31%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

LM Funding America does not currently pay a dividend.

Dividend Growth

LM Funding America does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

1.31% of the float of LM Funding America has been sold short.

Short Interest Ratio / Days to Cover

LM Funding America has a short interest ratio ("days to cover") of 0.6, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in LM Funding America has recently increased by 37.31%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 3.2 / 5
• News Sentiment: 0.74

News Sentiment

LM Funding America has a news sentiment score of 0.74. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.91 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for LM Funding America this week, compared to 1 article on an average week.

Search Interest

2 people have searched for LMFA on MarketBeat in the last 30 days.

MarketBeat Follows

1 people have added LM Funding America to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, LM Funding America insiders have not sold or bought any company stock.

Percentage Held by Insiders

36.14% of the stock of LM Funding America is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 22.73% of the stock of LM Funding America is held by institutions.

LMFA Stock Analysis - Frequently Asked Questions

How have LMFA shares performed this year?

LM Funding America's stock was trading at $2.15 at the beginning of the year. Since then, LMFA stock has increased by 3.3% and is now trading at $2.22.

How were LM Funding America's earnings last quarter?

LM Funding America, Inc. (NASDAQ:LMFA) posted its quarterly earnings data on Thursday, May, 15th. The financial services provider reported ($1.05) earnings per share for the quarter, missing analysts' consensus estimates of ($0.65) by $0.40. The financial services provider had revenue of $2.37 million for the quarter, compared to analyst estimates of $2.85 million. LM Funding America had a negative net margin of 184.48% and a negative trailing twelve-month return on equity of 46.84%.
Read the conference call transcript.

When did LM Funding America's stock split?

LM Funding America's stock reverse split before market open on Tuesday, March 12th 2024.The 1-6 reverse split was announced on Tuesday, March 12th 2024. The number of shares owned by shareholders was adjusted after the closing bell on Tuesday, March 12th 2024. An investor that had 100 shares of stock prior to the reverse split would have 17 shares after the split.

How do I buy shares of LM Funding America?

Shares of LMFA stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of LM Funding America own?

Based on aggregate information from My MarketBeat watchlists, some other companies that LM Funding America investors own include NVIDIA (NVDA), Meta Platforms (META), CrowdStrike (CRWD), PayPal (PYPL), Advanced Micro Devices (AMD), Broadcom (AVGO) and Arista Networks (ANET).

Company Calendar

• Last Earnings: 5/15/2025
• Today: 7/17/2025
• Next Earnings (Estimated): 8/13/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: FIN - MISC SVCS
• Sub-Industry: Banking
• Current Symbol: NASDAQ:LMFA
• CIK: 1640384
• Web: www.lmfunding.com
• Phone: (813) 222-8996
• Fax: N/A
• Employees: 8
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): ($6.76)
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: -$7.32 million
• Net Margins: -184.48%
• Pretax Margin: -178.78%
• Return on Equity: -46.84%
• Return on Assets: -38.06%

Debt

• Debt-to-Equity Ratio: 0.21
• Current Ratio: 5.25
• Quick Ratio: 5.25

Sales & Book Value

• Annual Sales: $11 million
• Price / Sales: 1.04
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: $6.88 per share
• Price / Book: 0.32

Miscellaneous

• Outstanding Shares: 5,130,000
• Free Float: 3,278,000
• Market Cap: $11.39 million
• Optionable: No Data
• Beta: 1.56