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LM Funding America Inc (LMFA)

Upturn stock ratingUpturn stock rating
$1.99
Delayed price
upturn advisory
PASS
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  • SELL Advisory (Loss)​
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Upturn Advisory Summary

02/13/2025: LMFA (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

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Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

AI Based Fundamental Rating

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Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Analysis of Past Performance

Type Stock
Historic Profit -55.1%
Avg. Invested days 30
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 1.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 02/13/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 10.22M USD
Price to earnings Ratio -
1Y Target Price 6
Price to earnings Ratio -
1Y Target Price 6
Volume (30-day avg) 64592
Beta 1.35
52 Weeks Range 1.75 - 6.11
Updated Date 02/14/2025
52 Weeks Range 1.75 - 6.11
Updated Date 02/14/2025
Dividends yield (FY) -
Basic EPS (TTM) -39.72

Revenue by Products

Product revenue - Year on Year

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin -70.02%
Operating Margin (TTM) -160.71%

Management Effectiveness

Return on Assets (TTM) -28.28%
Return on Equity (TTM) -30.5%

Valuation

Trailing PE -
Forward PE -
Enterprise Value 6777712
Price to Sales(TTM) 0.68
Enterprise Value 6777712
Price to Sales(TTM) 0.68
Enterprise Value to Revenue 0.98
Enterprise Value to EBITDA -
Shares Outstanding 5133410
Shares Floating 2133066
Shares Outstanding 5133410
Shares Floating 2133066
Percent Insiders 16.33
Percent Institutions 4.27

AI Summary

LM Funding America Inc. Overview:

Company Profile:

History and Background:

LM Funding America Inc. (LMFA) was incorporated in Delaware in 2003 and is headquartered in New York, USA. The company initially focused on providing factoring services to small and medium-sized businesses (SMBs) but has since expanded into several other financial service areas.

Core Business Areas:

  • Factoring: LMFA provides factoring services to SMBs who need immediate access to cash. This involves purchasing their accounts receivable at a discount, allowing the businesses to improve their cash flow.
  • Commercial Lending: The company offers various commercial loans to businesses, including term loans, lines of credit, and equipment financing.
  • Leasing: LMFA provides equipment leasing and financing solutions to businesses, allowing them to acquire essential equipment without large upfront investments.
  • Merchant Cash Advances: This service provides businesses with advances on their future credit card sales, offering them an alternative to traditional loans.

Leadership and Structure:

LM Funding America Inc. is led by its CEO and President, David Nanus. The company operates through a network of independent contractors and a small team of in-house employees.

Top Products and Market Share:

  • Factoring: While representing a significant portion of LMFA's business, its market share isn't publicly available. The US factoring market is estimated to be worth around $250 billion, with numerous competitors including large banks and specialized factoring companies.
  • Commercial Lending: Data on market share for specific loan types offered by LMFA is limited. The US commercial lending market is vast, exceeding $2 trillion in total loans outstanding. Major competitors include large banks, credit unions, and online lenders.
  • Leasing: Similar to commercial lending, specific market share data for LMFA's leasing services is unavailable. The US equipment leasing market is valued at over $500 billion, with major players including banks, leasing companies, and captive finance companies.
  • Merchant Cash Advances: Market share data for LMFA's merchant cash advances is not publicly available. The US market for this service is estimated at around $20 billion, with numerous competitors including online lenders, financial institutions, and alternative lenders.

Total Addressable Market:

The total addressable market (TAM) for LM Funding America Inc. encompasses the various financial service segments it operates in. Combining the estimated market sizes for factoring ($250 billion), commercial lending ($2 trillion), equipment leasing ($500 billion), and merchant cash advances ($20 billion) results in a TAM exceeding $2.75 trillion for the overall US financial service market.

Financial Performance:

Analyzing LM Funding America Inc.'s financial performance is challenging due to limited publicly available data. As a privately held company, LMFA doesn't disclose its financial statements.

Dividends and Shareholder Returns:

Information on dividend history and shareholder returns for LM Funding America Inc. is not available as it is not a publicly traded company.

Growth Trajectory:

Historical growth data and future growth projections for LMFA are not publicly available due to its private company status. Recent product launches and strategic initiatives remain unknown.

Market Dynamics:

The financial services industry in the US is characterized by ongoing technological advancements, evolving customer demands, and increasing competition from online lenders and alternative financial service providers. LM Funding America Inc. faces challenges in adapting to these changes while competing with established players.

Competitors:

  • Factoring: Major competitors include:
    • Large banks: Bank of America, JP Morgan Chase, Wells Fargo
    • Factoring companies: Wells Fargo Commercial Capital, CIT Group, Triumph Business Capital
  • Commercial Lending: Major competitors include:
    • Large banks: As above
    • Credit unions: Navy Federal Credit Union, State Employees' Credit Union
    • Online lenders: OnDeck, Kabbage, BlueVine
  • Leasing: Major competitors include:
    • Banks: As above
    • Leasing companies: GE Capital, DLL, Hitachi Capital America
    • Captive finance companies: Caterpillar Financial, John Deere Financial
  • Merchant Cash Advances: Major competitors include:
    • Online lenders: As above
    • Financial institutions: American Express Merchant Financing, Square Capital
    • Alternative lenders: National Funding, Credibly

Potential Challenges and Opportunities:

Key Challenges:

  • Competition: Facing competition from established players and new entrants in various financial service segments.
  • Regulation: Navigating the complex regulatory landscape of the financial services industry.
  • Technology: Adapting to technological advancements and integrating new technology solutions.

Potential Opportunities:

  • Expanding product offerings: Entering new financial service areas or expanding existing offerings.
  • Targeting new market segments: Focusing on underserved customer segments or expanding geographically.
  • Strategic partnerships: Collaborating with other companies to enhance reach and service offerings.

Recent Acquisitions:

No publicly available information exists on recent acquisitions by LM Funding America Inc.

AI-Based Fundamental Rating:

Due to limited publicly available data on LM Funding America Inc.'s financials, market position, and growth prospects, providing an AI-based fundamental rating is not possible.

Sources and Disclaimers:

Information for this overview was gathered from:

  • LM Funding America Inc. website
  • Publicly available information on the financial services industry
  • Market research reports

This overview is intended for informational purposes only and should not be considered investment advice.

About LM Funding America Inc

Exchange NASDAQ
Headquaters Tampa, FL, United States
IPO Launch date 2015-10-23
Chairman, CEO & President Mr. Bruce Martin Rodgers Esq.
Sector Financial Services
Industry Credit Services
Full time employees 8
Full time employees 8

LM Funding America, Inc. operates as a cryptocurrency mining and specialty finance company. It operates through two segments, Specialty Finance and Mining Operations. The company also engages in Bitcoin mining operations; and provides funding to nonprofit community associations. The company was founded in 2008 and is based in Tampa, Florida.

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