Financial Snapshot

Revenue
$13.07M
TTM
Gross Margin
12.33%
TTM
Net Earnings
-$10.87M
TTM
Current Assets
Q3 2024
Current Liabilities
Q3 2024
Current Ratio
365.12%
Q3 2024
Total Assets
Q3 2024
Total Liabilities
Q3 2024
Book Value
$28.59M
Q3 2024
Cash
Q3 2024
P/E
-0.9654
Nov 29, 2024 EST
Free Cash Flow
-$10.43M
TTM

Revenues

Revenues

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Revenue YoY Change

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Revenues

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013
Revenue $12.99M $1.734M $898.9K $1.264M $2.386M $3.390M $4.390M $4.900M $6.960M $7.650M $6.900M
YoY Change 649.07% 92.89% -28.86% -47.03% -29.62% -22.79% -10.41% -29.6% -9.02% 10.87%

Expenses

Cost Of Revenues

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Gross Profit

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Gross Profit Margin

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Gross Profit

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013
Revenue $12.99M $1.734M $898.9K $1.264M $2.386M $3.390M $4.390M $4.900M $6.960M $7.650M $6.900M
Cost Of Revenue $11.27M $3.917M $2.272M $1.800M $1.670M $1.330M $2.460M $2.110M $820.0K $570.0K $270.0K
Gross Profit $1.719M -$2.245M $12.44M -$540.0K $720.0K $2.060M $1.930M $2.790M $6.140M $7.080M $6.630M
Gross Profit Margin 13.23% -129.47% 1384.41% -42.73% 30.18% 60.78% 43.96% 56.94% 88.22% 92.55% 96.09%

Selling, General & Admin Expense

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Research & Development

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Depreciation, Depletion & Amortization

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SGA Expense to Gross Profit Ratio

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R&D To Gross Profit Ratio

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DDA To Gross Profit Ratio

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Operating Expenses Total

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Operating Profits/Loss

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Operational Expenses

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013
Selling, General & Admin $7.887M $635.3K $7.256M $3.920M $515.5K $323.0K $762.3K $1.080M $686.7K $2.890M $2.920M
YoY Change 1141.54% -91.25% 85.11% 660.44% 59.58% -57.62% -29.43% 57.29% -76.24% -1.03%
% of Gross Profit 458.94% 58.31% 71.6% 15.68% 39.5% 38.71% 11.18% 40.82% 44.04%
Research & Development $0.00 $10.00K
YoY Change -100.0%
% of Gross Profit 0.0% 0.15%
Depreciation & Amortization $4.983M $478.0K $1.383K $11.14K $63.76K $68.26K $46.34K $27.30K $0.00 $150.0K $90.00K
YoY Change 942.53% 34463.99% -87.59% -82.52% -6.6% 47.3% 69.77% -100.0% 66.67%
% of Gross Profit 289.99% 0.01% 8.86% 3.31% 2.4% 0.98% 0.0% 2.12% 1.36%
Operating Expenses $12.87M $26.41M $9.331M $5.316M $5.895M $3.802M $7.864M $1.080M $4.518M $3.180M $3.200M
YoY Change -51.27% 183.02% 75.55% -9.82% 55.04% -51.65% 628.04% -76.09% 42.09% -0.63%
Operating Profit -$11.15M -$24.68M $3.114M -$5.856M -$2.869M -$412.3K -$3.472M -$3.087M $1.622M $3.900M $3.430M
YoY Change -54.81% -892.5% -153.17% 104.09% 595.8% -88.12% 12.47% -290.35% -58.42% 13.7%

Interest Expenses

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Interest Expenses To Operating Income %

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Other Expense/Income

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Interest & Other Expense/Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013
Interest Expense -$7.435M $4.786M -$193.5K $7.189K $142.2K $464.8K $614.1K $594.6K $917.5K -$990.0K -$1.210M
YoY Change -255.36% -2573.49% -2791.47% -94.94% -69.42% -24.31% 3.28% -35.19% -192.68% -18.18%
% of Operating Profit -6.21% 56.58% -25.38% -35.28%
Other Income/Expense, Net $1.730M -$2.838M
YoY Change -160.96%

Income/Loss

Pretax Income

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Income Tax

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Net Profits/Loss

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Pretax Income YoY Change

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Income Tax Rate

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Net Profits/Loss YoY Change

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Basic EPS

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Net Income To Revenue Ratio

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Pretax & Net Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013
Pretax Income -$18.81M -$26.45M $5.329M -$4.059M -$3.080M -$472.2K -$5.196M -$3.681M $1.725M $2.550M $1.860M
YoY Change -28.85% -596.22% -231.29% 31.8% 552.27% -90.91% 41.13% -313.4% -32.35% 37.1%
Income Tax $60.57K $1.438M $326.2K $0.00 $3.432M -$1.311M -$146.6K $0.00 $0.00
% Of Pretax Income 6.12% -8.5% 0.0% 0.0%
Net Earnings -$15.94M -$29.24M $4.759M -$4.041M -$3.005M -$472.2K -$8.627M -$2.370M $1.732M $2.382M $1.730M
YoY Change -45.47% -714.39% -217.76% 34.5% 536.41% -94.53% 263.96% -236.88% -27.31% 37.71%
Net Earnings / Revenue -122.76% -1686.33% 529.42% -319.84% -125.96% -13.93% -196.52% -48.38% 24.88% 31.14% 25.07%
Basic Earnings Per Share -$6.98 -$2.23 $0.70 -$2.49 -$0.96 -$0.47 -$25.68 -$0.72 -$0.01
Diluted Earnings Per Share -$6.98 -$2.23 $0.60 -$2.49 -$0.96 -$2.350M -$25.68 -$0.72 -$0.01 $29.75M $21.63M

Assets & Liabilities

Cash & Short-Term Investments

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Cash & Equivalents

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Cash To Operating Expenses Ratio

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Inventory

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Receivables

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Total Short-Term Assets

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Property, Plant And Equipment

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Long-Term Investments

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Total Long-Term Assets

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Total Assets

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Net Income To Total Assets Percentage

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Accounts Payable

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Short-Term Debt

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Long Term Debt Due

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Total Short-Term Liabilities

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Long-Term Debt

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Other Long-Term Liabilities

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Total Long-Term Liabilities

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Total Liabilities

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Short-Term To Long-Term Debt Ratio

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Short-Term Assets To Debt Ratio

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Long-Term Debt To Net Income Ratio

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Assets & Liabilities

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013
Cash & Short-Term Investments $2.420M $4.242M $35.23M $11.55M $1.070M $3.520M $590.0K $2.270M $9.000M $2.030M $760.0K
YoY Change -42.96% -87.96% 205.03% 979.44% -69.6% 496.61% -74.01% -74.78% 343.35% 167.11%
Cash & Equivalents
Short-Term Investments $17.86K $4.290K $2.671M
Other Short-Term Assets $7.483M $2.121M $1.252M $400.0K $150.0K $160.0K $100.0K $200.0K $310.0K $160.0K
YoY Change 252.77% 69.46% 212.96% 166.67% -6.25% 60.0% -50.0% 93.75%
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets $10.15M $10.49M $38.51M $12.12M $1.770M $3.700M $690.0K $4.130M $9.000M $2.800M $1.410M
YoY Change -3.22% -72.76% 217.74% 584.75% -52.16% 436.23% -83.29% -54.11% 221.43% 98.58%
Property, Plant & Equipment $24.73M $27.98M $77.88K $170.0K $300.0K $30.00K $70.00K $110.0K $160.0K $40.00K
YoY Change -11.63% 35831.16% -54.19% -43.33% 900.0% -57.14% -36.36% 300.0%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments $1.302M $12.42M $6.650M $20.00K $1.520M $1.630M $200.0K $730.0K $40.00K $20.00K
YoY Change -89.52% 86.83% 33147.7% -98.68% -6.75% 715.0% -72.6% 100.0%
Other Assets $86.80K $2.291M $16.87M $10.00K $10.00K $30.00K $30.00K $3.510M $3.160M $290.0K $110.0K
YoY Change -96.21% -86.41% 168558.8% 0.0% -66.67% 0.0% -99.15% 11.08% 989.66% 163.64%
Total Long-Term Assets $27.56M $42.70M $23.59M $200.0K $5.870M $2.360M $1.280M $5.880M $5.410M $3.970M $4.900M
YoY Change -35.46% 80.97% 11696.66% -96.59% 148.73% 84.38% -78.23% 8.69% 36.27% -18.98%
Total Assets $37.71M $53.19M $62.10M $12.32M $7.640M $6.060M $1.970M $10.01M $14.41M $6.770M $6.310M
YoY Change
Accounts Payable $2.088M $1.646M $121.2K $160.0K $350.0K $190.0K $480.0K $490.0K $340.0K $360.0K
YoY Change 26.81% 1258.19% -24.24% -54.29% 84.21% -60.42% -2.04% -5.56%
Accrued Expenses $110.4K $90.82K $68.00K $270.0K $0.00 $510.0K $0.00 $100.0K
YoY Change 21.54% 33.56% -100.0% -100.0%
Deferred Revenue
YoY Change
Short-Term Debt $567.6K $475.8K $114.7K $100.0K $3.460M $0.00 $0.00 $0.00 $0.00 $7.430M $0.00
YoY Change 19.3% 314.84% 14.69% -97.11% -100.0%
Long-Term Debt Due $170.0K
YoY Change
Total Short-Term Liabilities $2.766M $2.213M $1.094M $490.0K $4.290M $190.0K $980.0K $490.0K $7.840M $580.0K
YoY Change 24.98% 102.33% 123.21% -88.58% 2157.89% -80.61% 100.0% 1251.72%
Long-Term Debt $0.00 $0.00 $0.00 $190.0K $520.0K $40.00K $40.00K $5.160M $7.530M $0.00 $8.250M
YoY Change -100.0% -63.46% 1200.0% 0.0% -99.22% -31.47% -100.0%
Other Long-Term Liabilities $85.78K $179.4K $0.00 $170.0K $270.0K $20.00K $50.00K $110.0K $620.0K $70.00K $20.00K
YoY Change -52.19% -100.0% -37.04% 1250.0% -60.0% -54.55% -82.26% 785.71% 250.0%
Total Long-Term Liabilities $85.78K $179.4K $0.00 $360.0K $520.0K $60.00K $90.00K $5.270M $8.150M $70.00K $8.270M
YoY Change -52.19% -100.0% -30.77% 766.67% -33.33% -98.29% -35.34% 11542.86% -99.15%
Total Liabilities $1.526M $3.998M $1.343M $850.0K $4.810M $250.0K $1.070M $5.850M $8.150M $7.920M $8.860M
YoY Change -61.82% 197.76% 57.98% -82.33% 1824.0% -76.64% -81.71% -28.22% 2.9% -10.61%

Ownership

Basic Shares Outstanding

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Diluted Shares Outstanding

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Preferred Stock

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Treasury Stock Shares

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Stock Issuance & Repurchase

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Ownership Data

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013
Basic Shares Outstanding 2.284M 13.08M 6.829M 1.623M 3.134M 336.0K 3.300M 3.300M
Diluted Shares Outstanding 2.284M 13.08M 7.927M 1.623M 3.134M 996.7K 336.0K 3.300M 3.300M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

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Book Value

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Free Cash Flow

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Free Cash Flow YoY

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Free Cash Flow Margin

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Dividends

Dividends

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Stock Price

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Market Cap: $10.497 Million

About LM FUNDING AMERICA, INC.

LM Funding America, Inc. is a technology-based specialty finance company, which engages in the provision of funding to nonprofit community associations. The company is headquartered in Tampa, Florida and currently employs 8 full-time employees. The company went IPO on 2015-12-08. Its segments include Specialty Finance and Mining Operations. The company offers funding to nonprofit community associations (Associations) primarily located in the state of Florida. The company provides incorporated nonprofit community associations. Its original product offering consists of providing funding to Associations by purchasing their rights under delinquent accounts that are selected by the Associations arising from unpaid Association assessments. In addition to its original product offering, the Company also purchase accounts on varying terms to suit each Association’s financial needs, including under its New Neighbor Guaranty program. Under New Neighbor Guaranty program, an Association assigns substantially all of its outstanding indebtedness and accruals on its delinquent units to the Company in exchange for payment of monthly dues on each delinquent unit.

Industry: Finance Services Peers: A-Mark Precious Metals, Inc. ACACIA RESEARCH CORP FlexShopper, Inc. Favo Capital, Inc. GWG Holdings, Inc. Sundance Strategies, Inc. Mill City Ventures III, Ltd