Lm Funding AMERICA, Inc. (LMFA) intrinsic value & 10-year financials
Lm Funding AMERICA, Inc. (LMFA) has a Graham intrinsic value of $3.81 per share. Over the last 10 fiscal years revenue grew 6.8% a year to $8.8M, with an average return on invested capital of -82.7%.
- Graham intrinsic value
- $3.81
- Revenue (FY2025)
- $8.8M
- Revenue growth (10-yr CAGR)
- 6.8%
- ROIC (10-yr avg)
- -82.7%
- Free cash flow (FY2025)
- -$16.2M
LMFA 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $8.8M | -$26.9M | -$3.28 | -$16.2M | -258.7% | -63.9% |
| FY2024 | $11.0M | -$7.3M | -$1.67 | -$13.7M | -58.7% | -18.7% |
| FY2023 | $13.0M | -$15.9M | -$2.33 | -$5.0M | -77.5% | -25.1% |
| FY2022 | $1.7M | -$29.2M | -$0.74 | -$9.2M | -1423.1% | -66.8% |
| FY2021 | $898.9K | $4.8M | $0.20 | $3.5M | -938.0% | -55.0% |
| FY2020 | $1.3M | -$4.0M | -$0.17 | -$3.5M | -320.7% | -270.7% |
| FY2019 | $3.0M | -$3.0M | -$0.32 | -$1.2M | -94.8% | -121.3% |
| FY2018 | $3.4M | -$472.2K | -$0.05 | — | -12.2% | -20.3% |
| FY2017 | $4.4M | -$8.6M | -$0.29 | -$1.8M | -79.0% | -137.0% |
| FY2016 | $4.9M | -$2.4M | -$0.08 | -$3.6M | -63.0% | -47.7% |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
LM FUNDING AMERICA, INC. has demonstrated mature, steady growth, with revenue compounding at 6.8% annually over the past decade.
LM FUNDING AMERICA, INC. has historically struggled to out-earn its cost of capital, averaging just -55.8% ROIC.
Over the decade, LM FUNDING AMERICA, INC. shows that management has aggressively returned capital to shareholders by retiring 70.7% of outstanding shares.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, LM FUNDING AMERICA, INC. is modeled at 6.8% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $3.81 per share.