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LMFA 
LM Funding America Inc (LMFA)
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Upturn Advisory Summary
11/05/2025: LMFA (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $4.5
1 Year Target Price $4.5
| 0 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -30.89% | Avg. Invested days 40 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 16.45M USD | Price to earnings Ratio - | 1Y Target Price 4.5 |
Price to earnings Ratio - | 1Y Target Price 4.5 | ||
Volume (30-day avg) 2 | Beta 1.76 | 52 Weeks Range 0.89 - 5.14 | Updated Date 11/7/2025 |
52 Weeks Range 0.89 - 5.14 | Updated Date 11/7/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -4.56 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -132.4% | Operating Margin (TTM) 17.38% |
Management Effectiveness
Return on Assets (TTM) -25.07% | Return on Equity (TTM) -30.01% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 10747207 | Price to Sales(TTM) 2.43 |
Enterprise Value 10747207 | Price to Sales(TTM) 2.43 | ||
Enterprise Value to Revenue 2.17 | Enterprise Value to EBITDA - | Shares Outstanding 15517988 | Shares Floating 3635063 |
Shares Outstanding 15517988 | Shares Floating 3635063 | ||
Percent Insiders 29.27 | Percent Institutions 37.08 |
Upturn AI SWOT
LM Funding America Inc
Company Overview
History and Background
LM Funding America, Inc. was founded in 2008 and is based in Tampa, Florida. It provides financial solutions to community associations across the United States. The company has evolved from providing initial funding to offering a broader range of financial services.
Core Business Areas
- Community Association Funding: Provides funding to community associations, including loans and advances for various projects and operational needs.
- Technology Solutions: Developing technology-based solutions to streamline financial processes for community associations.
Leadership and Structure
Bruce Rodgers serves as the Chairman and CEO. The company has a board of directors and a management team overseeing various operational aspects.
Top Products and Market Share
Key Offerings
- Community Association Loans: LM Funding's primary offering is loans to community associations for capital improvements, insurance, and other expenses. Market share data is not publicly available. Competitors include banks, credit unions, and other specialty lenders.
- Receivable Advances: Offers advances on outstanding receivables to community associations. Market share data is not publicly available. Competitors include factoring companies and other financial service providers.
Market Dynamics
Industry Overview
The industry involves providing financial services to community associations (HOAs and condos). It's driven by the needs of these associations to manage their finances and fund projects. The market is fragmented, with a mix of local and national players.
Positioning
LM Funding is positioned as a niche player focusing specifically on the community association market. Its competitive advantage is its expertise in this sector. They claim to serve an important niche market.
Total Addressable Market (TAM)
The TAM is estimated to be in the billions of dollars, considering the large number of community associations in the U.S. LM Funding's market share is small, indicating significant growth potential.
Upturn SWOT Analysis
Strengths
- Specialized knowledge of the community association market
- Established relationships with community associations
- Proprietary technology solutions
Weaknesses
- Small market capitalization
- Limited access to capital
- Reliance on a niche market
Opportunities
- Expansion into new geographic markets
- Development of new financial products
- Acquisition of smaller competitors
Threats
- Increased competition from larger financial institutions
- Changes in regulations affecting community associations
- Economic downturn affecting property values
Competitors and Market Share
Key Competitors
- CIT Group (CIT)
- Alliance Association Financial Services (Private)
- Union Bank (MUFG)
Competitive Landscape
LM Funding faces competition from larger, more established financial institutions. Its advantage lies in its specialized knowledge of the community association market. However, it needs to improve access to capital and manage risks effectively.
Growth Trajectory and Initiatives
Historical Growth: Growth has been inconsistent due to market volatility.
Future Projections: Future projections are uncertain, depending on successful implementation of their business plan.
Recent Initiatives: Recent initiatives include the development of new technology solutions and expansion into new geographic markets.
Summary
LM Funding America operates in a niche market offering financial services to community associations. It faces strong competition from larger players but has specialized expertise. Successful execution of its growth strategies is critical for long-term sustainability. Financials have not been strong and that has put the company in a weak position. They need to focus on restructuring efforts.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Reports
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor. Market share data is based on estimates and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
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., J.D. | ||
Sector Financial Services | Industry Credit Services | Full time employees 9 | Website https://www.lmfunding.com |
Full time employees 9 | Website https://www.lmfunding.com | ||
LM Funding America, Inc. operates as a cryptocurrency mining and specialty finance company. It operates through two segments, Specialty Finance and Bitcoin Mining Operations. The company also engages in Bitcoin mining operations; and provides funding to nonprofit community associations. LM Funding America, Inc. was founded in 2008 and is based in Tampa, Florida.
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