公司概述
LM Funding America, Inc. operates within the financial services sector, specifically functioning as a cryptocurrency mining and specialty finance entity that serves nonprofit community associations. The company's operational model is bifurcated into two distinct segments, namely Specialty Finance and Bitcoin Mining Operations, which defines its strategic focus in the capital markets industry. Currently, the enterprise maintains a market capitalization of $4.20M while reporting trailing twelve-month revenue of $7.72M, though the specific employee count is not disclosed in available records. These valuation and revenue figures indicate that the company operates at a relatively small scale within the broader financial services landscape, positioning it as a micro-cap entity with limited market penetration compared to established banking peers.
财务健康
The company reported a revenue of $7.72M over the trailing twelve months, yet it recorded a net income of $-28,499,216, while EBITDA data is not available for analysis. The substantial gap between the positive revenue of $7.72M and the significant net loss of approximately $28.5M reveals a highly volatile cost structure where operating expenses or non-operating losses far exceed the gross revenue generated. Although free cash flow metrics are not provided, the absence of this figure suggests a need to scrutinize the conversion of earnings to cash, which is critical for assessing financial flexibility in a loss-making environment. The gross margin stands at 11.0%, indicating that the company retains a small portion of revenue after direct costs, while the operating margin is severely negative at -494.6%, signaling that operating expenses are more than four times the revenue. The profit margin is listed at 0.0%, which, in the context of a negative net income, reflects the company's current inability to generate profitability from its core operations. On the balance sheet, the company holds $1.47M in cash against a total debt load of $20.65M, resulting in a debt-to-equity ratio of 71.49, which characterizes the firm as highly leveraged with a capital structure heavily reliant on debt financing. The current ratio is 1.18, suggesting that the company possesses slightly more current assets than current liabilities, indicating a tight but technically solvable short-term liquidity position. Return on Equity is -84.0% and Return on Assets is -56.6%, metrics that reveal management has not yet been effective in generating returns on the capital invested by shareholders or utilized in asset deployment.
估值评估
The trailing twelve-month P/E ratio is not available due to the lack of positive earnings, whereas the forward P/E is listed at -0.06, a metric that implies the market is pricing in expectations of continued losses rather than a turnaround in earnings trajectory. The price-to-book ratio is 0.12, indicating that the stock is trading at a significant discount to its net asset value, suggesting the market values the company at less than one-eighth of its book worth. The price-to-sales ratio stands at 0.54, and since the EV/EBITDA ratio is not available, these alternative metrics suggest the company is being valued primarily on revenue multiples rather than earnings or enterprise value fundamentals. The 52-week high is $5.14 and the 52-week low is $0.18, placing the current trading range within a highly volatile band where the stock has experienced substantial price discovery over the last year. With a beta of 2.43, the stock exhibits high price volatility that is more than twice as sensitive to movements in the broader market, reflecting the speculative nature of its asset classes and operational model.
Growth & Income
Revenue growth year-over-year is 8.6%, while earnings growth is not available due to the negative net income position, implying that the top-line expansion is currently not translating into bottom-line profitability. Since the company does not pay dividends, indicated by a dividend yield of N/A and a payout ratio of 0.0%, it follows that the firm retains all earnings, or in this case, absorbs losses, rather than distributing income to shareholders. The absence of a dividend program means that any potential value creation must come solely from future operational improvements or asset appreciation rather than income distributions. The overall growth and income profile is characterized by modest top-line expansion occurring in the absence of current profitability or shareholder returns.