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Upturn AI SWOT - About
LMFA 
LM Funding America Inc (LMFA)
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Upturn Advisory Summary
07/02/2025: LMFA (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 4.4% | Avg. Invested days 35 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 07/02/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 14.07M 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 07/2/2025 |
52 Weeks Range 1.02 - 5.35 | Updated Date 07/2/2025 | ||
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 19643540 | Price to Sales(TTM) 1.75 |
Enterprise Value 19643540 | Price to Sales(TTM) 1.75 | ||
Enterprise Value to Revenue 3.1 | Enterprise Value to EBITDA - | Shares Outstanding 5133410 | Shares Floating 4375618 |
Shares Outstanding 5133410 | Shares Floating 4375618 | ||
Percent Insiders 11.12 | Percent Institutions 9.03 |
Upturn AI SWOT
LM Funding America Inc
Company Overview
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.
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 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
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
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
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.
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. | ||
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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