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LM Funding America Inc (LMFA)

Upturn stock ratingUpturn stock rating
$2.86
Last Close (24-hour delay)
Profit since last BUY66.28%
upturn advisory
Consider higher Upturn Star rating
BUY since 40 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
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Upturn Stock infoUpturn Stock info Stock price based on last close
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Upturn Advisory Summary

06/30/2025: LMFA (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

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

Number of Analysts

rating

2 Analysts rated it

Limited analyst coverage, niche firm, research info may be scarce.

1 Year Target Price $4.5

1 Year Target Price $4.5

Analysts Price Target For last 52 week
$4.5Target price
Low$1.02
Current$2.86
high$5.35

Analysis of Past Performance

Type Stock
Historic Profit 5.13%
Avg. Invested days 34
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 2.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/30/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 11.86M 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 1.45
52 Weeks Range 1.02 - 5.35
Updated Date 06/30/2025
52 Weeks Range 1.02 - 5.35
Updated Date 06/30/2025
Dividends yield (FY) -
Basic EPS (TTM) -6.87

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin -182.5%
Operating Margin (TTM) -238.57%

Management Effectiveness

Return on Assets (TTM) -38.89%
Return on Equity (TTM) -45.61%

Valuation

Trailing PE -
Forward PE -
Enterprise Value 16820162
Price to Sales(TTM) 1.48
Enterprise Value 16820162
Price to Sales(TTM) 1.48
Enterprise Value to Revenue 2.78
Enterprise Value to EBITDA -
Shares Outstanding 5133410
Shares Floating 4375618
Shares Outstanding 5133410
Shares Floating 4375618
Percent Insiders 11.12
Percent Institutions 9.03

Analyst Ratings

Rating 2
Target Price 4.5
Buy 1
Strong Buy -
Buy 1
Strong Buy -
Hold 1
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

LM Funding America Inc

stock logo

Company Overview

overview logo History and Background

LM Funding America, Inc. was founded in 2008. It provides funding to community associations in the United States. It has evolved over time to focus on providing various financial solutions to community associations.

business area logo Core Business Areas

  • Factoring: Provides funding to community associations by purchasing their delinquent assessment receivables.
  • Loan Origination: Offers loans to community associations for capital improvements, insurance funding, and other needs.

leadership logo Leadership and Structure

Bruce M. Rodgers serves as the CEO. The company has a standard corporate structure with a board of directors and various management teams overseeing different departments.

Top Products and Market Share

overview logo Key Offerings

  • Delinquency Factoring: LM Funding purchases delinquent assessments from community associations, providing immediate cash flow. Market share data is not publicly available. Competitors include companies specializing in community association financing, but are typically private.
  • Bridge Loans: Offers short-term bridge loans to community associations for various projects and expenses. Market share data is not publicly available. Competitors include traditional banks and credit unions.

Market Dynamics

industry overview logo Industry Overview

The community association financing industry is fragmented, with varying levels of competition. Demand is driven by the need for community associations to manage delinquencies and fund projects.

Positioning

LM Funding positions itself as a specialized lender focused on community associations, offering tailored solutions. Its competitive advantage lies in its expertise in this niche market.

Total Addressable Market (TAM)

The total addressable market is difficult to quantify precisely but represents the entire pool of community associations in the US who need financing for projects or to deal with delinquencies, expected to be in the billions of dollars. LM Funding is positioned to capture a segment of this market.

Upturn SWOT Analysis

Strengths

  • Specialized expertise in community association financing
  • Established relationships with community associations
  • Unique factoring product offering

Weaknesses

  • Limited capital resources
  • Concentration risk in a niche market
  • Dependence on economic conditions affecting community associations

Opportunities

  • Expansion into new geographic markets
  • Development of new financial products for community associations
  • Strategic partnerships with property management companies

Threats

  • Increased competition from larger financial institutions
  • Economic downturn impacting community association budgets
  • Changes in regulations affecting community association financing

Competitors and Market Share

competitor logo Key Competitors

  • No publicly traded companies appear to be direct competitors
  • Private credit firms

Competitive Landscape

LM Funding faces competition from larger financial institutions and smaller specialized lenders. Its advantages include its specialized expertise and focus on community associations.

Growth Trajectory and Initiatives

Historical Growth: Growth has been inconsistent, with periods of rapid expansion followed by contractions.

Future Projections: Analyst estimates are not widely available due to the company's size and volatility. Future growth depends on successful execution of strategic initiatives.

Recent Initiatives: Recent initiatives include efforts to streamline operations and expand into new markets.

Summary

LM Funding America is a small company focused on a niche market, creating opportunity and risk. It faces financial headwinds which are reflected in its market cap. It's ability to control cost and find new revenue streams are key. Its stock price reflects a speculative investment.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company filings (10-K, 10-Q)
  • Company Website
  • Press Releases
  • Various Finance websites

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 financial professional. Data may be delayed.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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.
Sector Financial Services
Industry Credit Services
Full time employees 9
Full time employees 9

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.