tradmap

LMFA Financials LM FUNDING AMERICA, INC.

12 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →

Growth & profitability

  • Revenue has grown 47.6% per year over the past 5 years.
  • Operating margin has expanded, at -258.7% in the latest year.

Financial health

  • Total debt has grown faster than revenue (93.3% vs 47.6% per year).
  • Operating income covered interest expense -20.3× in the latest year, up from -563.6× 5 years ago.
Revenue & net income
-$29M -$8M $13M $0 2014 2016 2018 2020 2022 2024
RevenueNet income
Margins (gross / operating / net)
-1686% -578% 529% 0% 2014 2016 2018 2020 2022 2024
GrossOperatingNet
Free cash flow (CFO − capex)
-$16M -$7M $3M $0 2014 2016 2018 2020 2022 2024
Free cash flow
Cash vs total debt
$0 $16M $33M 2014 2016 2018 2020 2022 2024
CashTotal debt
Cash flow: operating / investing / financing
-$23M $9M $41M $0 2014 2016 2018 2020 2022 2024
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MFCFTotal debtCash
2025 $9M -$27M 0.0% -258.7% -$16M
2024 $11M -$8M 0.0% -58.7% -$14M
2023 $13M -$16M 0.0% -77.6% -$5M
2022 $2M -$29M 0.0% -1423.1% -$9M
2021 $898941 $5M 0.0% -938.0% $3M $33M
2020 $1M -$4M 0.0% -320.7% $282042 $12M
2019 $2M -$3M 0.0% -125.1% $587124 $1M
2018 $3M -$472159 0.0% -12.2% $85750 $4M
2017 $4M -$9M 0.0% -79.0% $39028
2016 $5M -$2M 0.0% -63.0%
2015 $7M $2M 0.0% 38.0%
2014 $8M $2M 0.0% 46.2%

Valuation over time

How the market has priced LMFA against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

Price / sales (P/S)
0.0 3.9 7.8 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/S

Frequently asked questions

Is LMFA growing its revenue and profit?

Over the past 5 years, LM FUNDING AMERICA, INC.'s revenue has grown 47.6% per year. These are computed facts, not advice.

How much debt does LMFA have?

As of FY2025, LM FUNDING AMERICA, INC. reported — of total debt against — of cash; operating income covered interest expense -20.3×.

What is LMFA's profit margin?

In FY2025, gross margin was —, operating margin -258.7%, and net margin -305.0%.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.