LM Funding America Inc. Common Stock (LMFA)
FairStock Score: 36/100 — MIXED
Key Financials
| Current Price | $1.76 |
| Market Cap | $4M |
| P/E Ratio | -0.03 |
| ROE | -128.98% |
| Dividend Yield | —% |
| Sector | Financial Services |
AI Analysis
AI-generated, general educational analysis — not personal investment advice.
I want durable earning power and a margin of safety, and LM Funding America does not show either on the current numbers. In the second quarter of 2026, revenue was $2.1M and net income was -$4.6M, a -215.65% net margin. The provided growth figures are stark: revenue -59.67% and profit -999.00%. FairStock calculations tied to the 2026-07-29 close show P/E -0.03, P/B 1.36, ROE -128.98%, ROCE -78.35%, D/E 1.08, Piotroski 4/9, and a FairStock Score of 36/100. Because this is a financial company, I focus on returns, book value, leverage and credit/underwriting risk. Bank-specific measures such as CET1, NIM and combined ratio are not in the data, so I cannot underwrite the balance sheet properly. The Lynch category is none, because there are only 0 years of filed results versus the 3 needed. The business has two segments—specialty finance and Bitcoin mining/treasury—and only 16 employees, but no evident moat. The market cap is $4.0M at $1.76, with beta 2.40 and a 52-week range of $0.12-$3.85. P/B of 1.36 is not extravagant, but deeply negative ROE means book value is a melting ice cube. I would need consistent positive earnings, lower leverage, and clearer credit metrics before calling this a bargain.
In plain English: LM Funding America runs Bitcoin mining and provides funding to nonprofit community associations. The business looks weak right now: revenue fell a lot and it lost money in its latest quarter. At $1.76, the price does not look clearly cheap given the losses, though it is not far above its stated net worth.
The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.
Data as of 2026-07-29 close · note generated 2026-10-15 · model deepseek-flash
Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer