LM Funding America Inc (LMFA) fair value: what the stock is really worth
As of Jul 29, 2026: fair value of LM Funding America Inc $0.54, price $1.76, upside -69.3%, quality 12 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $1.76 – $1,029 · fair‑value band $0.4000 – $0.8000 · the $1.76 price screens above the $0.5400 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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LM Funding America, Inc. operates as a cryptocurrency mining and specialty finance company. It operates through two segments: Specialty Finance and Mining and Treasury Operations. The company also engages in Bitcoin mining operations; and provides funding to nonprofit community associations. LM Funding America, Inc.
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LM Funding America, Inc. operates as a cryptocurrency mining and specialty finance company. It operates through two segments: Specialty Finance and Mining and Treasury 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.
Stock analysis
LM Funding America Inc (LMFA) currently trades at $1.76, while our model-based Fair Value estimate is $0.5400, 69.3% below the price, so the stock looks overvalued today.
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Valuation
How firm this estimate is: it rests on 1 models at a data quality of 90/100, which puts the evidence level at low.
Scenario range: $0.4000 (bear) to $0.8000 (bull), the price of $1.76 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 12/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
LM Funding America Inc reported revenue of $8.8M in FY2025 versus $14.0M in FY2021, a compound −11.0%/yr. Reported net income was −$26.9M in FY2025.
Key figures
Market cap $3.2M · P/S ratio 0.44 · EPS (TTM) $−2.53 · Return on equity −129% · Return on assets (EBIT) −28.2% · Operating margin −446% · Revenue (TTM) $7.1M · Revenue growth (YoY) −27.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 22 out of 100 (medium confidence).
What moves the price
The share trades about 97% below its 52-week high and at its 52-week low.
For context, the median of 10 Financial Services peers we cover trades at −15% fair-value upside, at −69%, LMFA screens richer than that median.
Fair Value models
Bear $0.4000Fair Value $0.5400Bull $0.8000
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.32/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
−20.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+46.7%
Start year 2020 (pandemic). Over 10 years: +2.4% a year
Revenue growth 12 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+2.0%
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Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−313.8% (2020) → −206.2% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Capital Markets · 462 stocks
Beats the industry median on 1/5 measures
Overall it trails its industry peers.
Valuation
Quality Score19 · Bottom 25%
Fair Value upside−69.3% · Bottom 25%
Profitability
Return on assets−78.4% · Bottom 25%
Growth and dividend
Revenue growth−27.3% · Bottom 25%
Balance sheet
Debt / equity0.06× · Below median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 35
FUTURE (revenue growth)0· sector 88
PAST (return on equity)0· sector 32
HEALTH (low debt)97· sector 95
DIVIDEND (yield)0· sector 44
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "LM Funding America Inc Fair Value". https://www.fairvalue-calculator.com/stock/LMFA
Frequently asked questions
Is LM Funding America Inc (LMFA) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $0.5400 versus the last price from Jul 29, 2026 of $1.76, about −69% upside (overvalued).
What is the fair value of LMFA?
Our model-based fair value for LM Funding America Inc is $0.5400 (as of Sep 24, 2026), built from audited fundamentals. Last price (from Jul 29, 2026): $1.76.
What is the quality score of LMFA?
LM Funding America Inc has a Quality Score of 12/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for LM Funding America Inc (LMFA)?
Our model-based price target is the fair value of $0.5400 (as of Sep 24, 2026) from 1 valuation models. Cautious scenario $0.4000, optimistic scenario $0.8000. It is a calculation from audited fundamentals, not an analyst target.
What is the LM Funding America Inc stock forecast for 2026?
Our models put fair value at $0.5400, about −69% upside versus the last price from Jul 29, 2026 of $1.76 (overvalued). Cautious scenario $0.4000, optimistic scenario $0.8000. The calculation is refreshed regularly with new filings.
What is the revenue of LM Funding America Inc (LMFA)?
LM Funding America Inc reported trailing-twelve-month revenue of about $7.1M (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of LM Funding America Inc (LMFA)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For LM Funding America Inc it is $0.5400 per share (as of Sep 24, 2026), against a price of $1.76. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is LM Funding America Inc stock overvalued or undervalued in 2026?
As of Sep 24, 2026, LMFA trades above its calculated fair value: price $1.76, fair value $0.5400, a gap of about −69% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of LMFA?
No. The price is what the market pays today ($1.76); the fair value is what the company's own numbers justify ($0.5400). For LM Funding America Inc the two are $1.22 per share apart. That gap is exactly why we show both numbers side by side.
How much is LM Funding America Inc worth?
The market values LM Funding America Inc at about $3.2M (market capitalisation, as of Sep 24, 2026). Per share that is $1.76; our models calculate a fair value of $0.5400 per share.
What do the bullish and bearish scenarios say about LMFA?
Our models span a range for LM Funding America Inc: cautious scenario $0.4000, base $0.5400, optimistic $0.8000 per share (as of Sep 24, 2026, price $1.76). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of LM Funding America Inc (LMFA)?
Balance-sheet figures for LM Funding America Inc (as of Sep 24, 2026): return on equity −129.0%, debt of 0.06 per unit of equity. They feed the Quality Score of 12/100, which measures business quality independently of the share price.
How far is LMFA from its 52-week high?
LM Funding America Inc trades at $1.76, about 97% below its 52-week high of $62.25 and at the low of $1.76 (as of Jul 29, 2026). Distance from the high says nothing about value: that is what the fair value of $0.5400 is for.
Which stocks are comparable to LM Funding America Inc?
From the same area (Financial Services) we also value Morgan Stanley, a financial holding company,, The Goldman Sachs Group, The Charles Schwab Corporation, Interactive Brokers Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is LM Funding America Inc stock attractive at the current price?
The data as of Sep 24, 2026: price $1.76, calculated fair value $0.5400 (−69%), Quality Score 12/100, from 1 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of LMFA calculated?
We run LM Funding America Inc through 1 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $0.5400, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. LM Funding America Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of LM Funding America Inc (LMFA)?
The latest price we hold is from Jul 29, 2026 and stands at $1.76. Our model-based fair value is $0.5400, about −69% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with LM Funding America Inc right now?
The price sits above even our optimistic bull case ($0.8000). The favourable scenario is already priced in. Weak quality (12/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. A fairly wide model range ($0.4000 to $0.8000) leaves room in how you read the outcome.
Key figures of LM Funding America Inc
How large is the market capitalisation of LM Funding America Inc (LMFA)?
The market capitalisation of LM Funding America Inc is $3.2M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of LM Funding America Inc (LMFA)?
The price-to-sales ratio of LM Funding America Inc is 0.44 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of LM Funding America Inc (LMFA)?
Earnings per share at LM Funding America Inc are $−2.53. Earnings per share over the last twelve months: total profit spread across every single share.
What is the return on equity of LM Funding America Inc (LMFA)?
The return on equity (ROE) of LM Funding America Inc is −129% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of LM Funding America Inc (LMFA)?
On an EBIT basis the return on assets of LM Funding America Inc is −28.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of LM Funding America Inc (LMFA)?
The operating margin of LM Funding America Inc is −446% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at LM Funding America Inc (LMFA)?
Revenue at LM Funding America Inc is growing −27.3% versus a year earlier (3y avg +11.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at LM Funding America Inc (LMFA)?
Earnings per share at LM Funding America Inc are growing −89.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does LM Funding America Inc (LMFA) generate?
The free cash flow of LM Funding America Inc is −$16.2M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does LM Funding America Inc (LMFA) carry?
The net debt of LM Funding America Inc is $19.2M (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Thin data
Sep 24, 2026