LM Funding America, Inc. Financial Ratios — LMFA Stock

Profitability (USD)

	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Assets (%)	- -	36.43	16.35	-19.41	-143.99	-11.76	-43.87	-40.5	12.79	-50.72	-35.08	-17.89	-56.46
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	42.42	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	-6.05	-48.37
EBITDA Margin (%)	32.67	40.5	29.33	-89.95	2.69	2.35	2.76	0.87	0.01	7.45	80.52	13.37	-172.65
Operating Margin (%)	32.67	38.21	28.55	-91.75	- -	- -	- -	- -	- -	- -	- -	-55.39	-265.01
Incremental Operating Margin (%)	- -	70.26	132.23	- -	-794.53	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	32.67	38.21	28.55	-91.75	-146.39	-16.25	-133.49	-315.56	38.01	-412.09	-304	-67.71	-304.88
Profit Margin (%)	30.47	35.75	28.66	-59.08	-243.08	-16.25	-130.25	-314.18	33.95	-455.64	-257.62	-64.7	-304.26
Net Income to Common Margin (%)	30.47	35.75	28.66	-59.08	-243.08	-16.25	-130.25	-314.18	33.95	-455.64	-257.62	-64.7	-304.26
Effective Tax Rate (%)	- -	- -	- -	- -	- -	- -	- -	- -	6.12	- -	- -	- -	- -
Dvd Payout Ratio (%)	67.68	36.13	194.11	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Credit (USD)

API ChatGPT

	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	8	7	8	5	- -	- -	4	- -	- -	1	1	8	21
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	1	1	18
LT Debt	8	7	8	5	- -	- -	4	- -	- -	- -	- -	7	3
Total Debt/EBITDA	4.45	2.75	4.25	-1.43	0.82	0.63	59.55	40.72	132.1	1.56	0.15	5.09	-1.35
Net Debt/EBITDA	4.03	2	-0.83	-0.8	-5.37	-50.95	42.48	-1,011.48	-35,018.94	-8.97	-0.37	2.23	-1.21
Total Debt/EBIT	4.45	2.92	4.37	-1.4	- -	- -	- -	- -	- -	- -	- -	-1.23	-0.88
Net Debt/EBIT	4.03	2.12	-0.85	-0.79	- -	- -	- -	- -	- -	- -	- -	-0.54	-0.79
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	- -	-0.12	-23.84	-559.72	-189.56	-189.67	-150.46	-22.16	-80.87	-156.34	-149.06	-180.39
Long-Term Debt/Equity (%)	- -	- -	120.23	123.78	4.35	- -	128.17	2.21	- -	0.35	0.25	20.21	8.74
Long-Term Debt/Capital (%)	99.98	99.85	100.22	186.07	-0.36	- -	-33.97	-1.4	- -	-0.44	-0.14	-11.97	-3.42
Long-Term Debt/Total Assets (%)	130.84	109.76	52.25	51.53	1.98	- -	47.55	2.06	- -	0.34	0.23	16.21	4.92
Total Debt/Equity (%)	-324.18	-655.85	120.23	123.78	8.7	0.74	133.94	3.96	0.3	1.47	2.19	21.78	71.49
Total Debt/Capital (%)	99.98	99.85	100.22	186.07	-0.71	-0.37	-35.51	-2.51	-1.37	-1.83	-1.28	-12.91	-28.03
Total Debt/Total Assets (%)	130.84	109.76	52.25	51.53	3.97	0.71	49.7	3.68	0.29	1.4	2.03	17.48	40.23
Net Debt to Equity	-294.13	-476.91	-23.4	69.38	-57.12	-59.87	95.54	-98.28	-79.38	-8.44	-5.32	9.55	63.84
Net Debt/Capital (%)	99.98	99.8	98.86	572.3	4.44	23.24	-23.52	38.04	78.27	9.44	2.99	-5.35	-24.55
EBITDA	2	3	2	-4	- -	- -	- -	- -	- -	- -	5	2	-15
EBITDA-CapEx	2	3	2	-4	- -	- -	- -	- -	-17	-15	5	1	-38
Operating Income (Loss)	2	3	2	-4	- -	- -	- -	- -	- -	- -	- -	-6	-23

Liquidity (USD)

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	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.18	0.07
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.64	1.18
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.34	0.71
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-15.29	-1.3
Common Equity/Total Assets	- -	- -	-0.12	-23.84	-559.72	-189.56	-189.67	-150.46	-22.16	-80.87	-156.34	-149.06	-180.39
Long-Term Debt/Equity (%)	- -	- -	120.23	123.78	4.35	- -	128.17	2.21	- -	0.35	0.25	20.21	8.74
Long-Term Debt/Capital (%)	99.98	99.85	100.22	186.07	-0.36	- -	-33.97	-1.4	- -	-0.44	-0.14	-11.97	-3.42
Long-Term Debt/Total Assets (%)	130.84	109.76	52.25	51.53	1.98	- -	47.55	2.06	- -	0.34	0.23	16.21	4.92
Total Debt/Equity (%)	-324.18	-655.85	120.23	123.78	8.7	0.74	133.94	3.96	0.3	1.47	2.19	21.78	71.49
Total Debt/Capital (%)	99.98	99.85	100.22	186.07	-0.71	-0.37	-35.51	-2.51	-1.37	-1.83	-1.28	-12.91	-28.03
Total Debt/Total Assets (%)	130.84	109.76	52.25	51.53	3.97	0.71	49.7	3.68	0.29	1.4	2.03	17.48	40.23
CFO/Total Liabilities	21.54	30.65	27.61	-57.36	-168.99	-302.22	-24.15	-414.92	247.11	-381.88	-119.4	-137.24	-62.34
CFO/CapEx	- -	- -	- -	- -	- -	- -	-82.61	-2,739.67	0.16	-0.58	-96.84	-24.61	-0.61
Altman's Z-Score	1.87	2.23	0.81	-1.15	68.15	68.13	2.59	94.04	455.06	45.3	42.43	8.15	-1.73

Working Capital (USD)

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	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	3.84	2.11	2.12	2.83	3.54	6.97	- -	- -	- -	- -	- -	1.4
Days Sales Outstanding	- -	95.11	172.92	171.93	128.8	102.97	52.37	- -	- -	- -	- -	- -	261.5
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.85	9.6
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	46.49	38.03
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-46.49	223.48
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	261.5
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API ChatGPT

	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	133	29	61	136	830	185	211	151	97
- Cash & Cash Equivalents	1	2	9	2	1	4	1	12	49	5	2	3	1
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	2	-1	-2	-2
+ Total Debt	8	7	8	5	- -	- -	4	- -	- -	1	1	8	21
Enterprise Value	7	5	-1	3	132	24	64	125	779	182	208	154	114
Total Capital	8	7	8	3	-11	-11	-11	-18	-13	-41	-60	-60	-74
Total Debt/Capital (%)	99.98	99.85	100.22	186.07	-0.71	-0.37	-35.51	-2.51	-1.37	-1.83	-1.28	-12.91	-28.03
Total Debt / EV	1.1	1.37	-5.14	1.78	- -	- -	0.06	- -	- -	- -	- -	0.05	0.18
EV/Sales	1.32	0.81	4.61	0.72	37.25	8.4	27.61	97.04	55.6	28.4	33.65	13.58	12.89
EV/EBITDA	4.04	2.01	15.72	- -	1,385.02	357.69	998.89	11,202.07	563,587.23	381.27	41.79	101.59	- -
EV/EBIT	4.04	2.13	16.16	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	3.93	2.24	12.39	- -	- -	- -	- -	- -	288.39	- -	- -	- -	- -
EV/Free Cash Flow to Firm	3.93	2.24	12.39	- -	- -	- -	- -	- -	38.76	28.03	- -	- -	12.91
Diluted Market Cap	- -	- -	- -	- -	133	29	61	136	963	185	211	151	97
Diluted Enterprise Value	7	5	-1	3	132	26	64	125	915	182	208	154	114
EV per Share	680.88	492.3	2,533.68	262.97	11,804.25	734.95	609.72	461.48	684.85	81.67	91.19	54.68	13.1
TTM Sales	6	7	6	4	4	3	2	1	14	6	6	11	9
TTM EBITDA	2	3	2	-4	- -	- -	- -	- -	- -	- -	5	2	-15
TTM Operating Income	2	3	2	-4	- -	- -	- -	- -	- -	- -	- -	-6	-23
TTM Cash Flow to Firm	2	2	2	-3	-2	-1	-1	-4	3	-9	-3	-12	-14
TTM Free Cash Flow to Firm	2	2	2	-3	-2	-1	-1	-4	20	7	-3	-11	9

Multiples (USD)

API ChatGPT

	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	-73.3	-38.77	-52.96	-38.59	47.9	28.4	-62.7	-13.17	10.93
EV/EBIT	4.04	2.13	16.16	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	7	5	-1	3	132	24	64	125	779	182	208	154	114
Low Price	- -	- -	- -	- -	8,325	750	561	225	480.75	82.75	40.75	52.75	10.63
EV/Sales	1.32	0.81	4.61	0.72	37.25	8.4	27.61	97.04	55.6	28.4	33.65	13.58	12.89
EV/EBITDA	4.04	2.01	15.72	- -	1,385.02	357.69	998.89	11,202.07	563,587.23	381.27	41.79	101.59	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	174.33	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	- -	-22.01	-351.29	-29.86	-42	207.1	-19.85	-14.1	-30.2	-12.68
Price/Earnings High	- -	- -	- -	- -	-64.74	-1,356.27	-80.82	-245.46	663.61	-57.81	-31.76	-58.63	-41.53
Price/Earnings Low	- -	- -	- -	- -	-10.81	-52.77	-19.5	-15.06	114.97	-6.32	-5.84	-20.25	-3.44
Price/Book Value	- -	- -	- -	- -	-12.05	-2.56	-4.19	-7.33	-60.28	-4.29	-3.58	-2.3	-1.04
Price/Book Value Average	- -	- -	- -	- -	-17.23	-14.44	-6.19	-9.16	-71.61	-13.5	-3.81	-3.36	-3.69
Price/Book Value High	- -	- -	- -	- -	-50.7	-55.75	-16.76	-53.53	-229.46	-39.3	-8.59	-6.53	-12.08
Price/Book Value Low	- -	- -	- -	- -	-8.46	-2.17	-4.04	-3.28	-39.75	-4.29	-1.58	-2.26	-1
Price/Tangible Book Value	- -	- -	- -	- -	155.8	5.06	-50.4	11.85	13.6	3.64	6.06	5.05	4.28
Price/Tangible Book Value Average	- -	- -	- -	- -	222.9	28.55	-74.48	14.8	16.16	11.43	6.45	7.4	15.14
Price/Tangible Book Value High	- -	- -	- -	- -	655.75	110.24	-201.6	86.5	51.77	33.28	14.53	14.36	49.58
Price/Tangible Book Value Low	- -	- -	- -	- -	109.46	4.29	-48.64	5.31	8.97	3.64	2.67	4.96	4.1
Price/Sales	- -	- -	- -	- -	37.39	10.12	26.32	105.66	59.18	28.78	34.13	13.35	10.91
Price/Sales Average	- -	- -	- -	- -	53.5	57.08	38.89	131.96	70.3	90.46	36.33	19.54	38.59
Price/Sales High	- -	- -	- -	- -	157.38	220.39	105.27	771.18	225.27	263.43	81.83	37.94	126.36
Price/Sales Low	- -	- -	- -	- -	26.27	8.58	25.4	47.31	39.03	28.78	15.04	13.1	10.45
Price/Cash Flow	- -	- -	- -	- -	-73.3	-38.77	-52.32	-38.58	306.98	-20.21	-62.05	-12.63	-6.9
Price/Cash Flow Average	- -	- -	- -	- -	-104.87	-218.73	-77.32	-48.18	364.68	-63.54	-66.03	-18.49	-24.41
Price/Cash Flow High	- -	- -	- -	- -	-308.51	-844.47	-209.27	-281.56	1,168.56	-185.04	-148.75	-35.91	-79.93
Price/Cash Flow Low	- -	- -	- -	- -	-51.5	-32.86	-50.49	-17.27	202.45	-20.21	-27.33	-12.4	-6.61
Price/Free Cash Flow Average	- -	- -	- -	- -	-104.87	-218.73	-78.26	-48.2	56.9	89.29	-66.72	-19.28	38.66
Price/Free Cash Flow High	- -	- -	- -	- -	-308.51	-844.47	-211.83	-281.66	182.32	260	-150.3	-37.43	126.56
Price/Free Cash Flow Low	- -	- -	- -	- -	-51.5	-32.86	-51.11	-17.28	31.59	28.4	-27.62	-12.92	10.47
EV/Sales Average	1.32	0.81	0.05	0.72	53.35	55.89	40.18	123.34	66.87	90.09	35.84	19.77	40.57
EV/Sales High	1.32	0.81	4.67	0.72	157.23	219.19	106.56	762.56	221.84	263.05	81.35	38.17	128.33
EV/Sales Low	1.32	0.81	0.57	0.72	26.12	7.38	26.69	38.69	35.59	28.4	14.56	13.33	12.43
EV/EBITDA Average	4.04	2.01	-0.83	-0.8	1,983.82	2,378.85	1,453.91	14,237.78	677,883.79	1,209.42	44.51	147.9	-23.5
EV/EBITDA High	4.04	2.01	-0.83	-0.8	5,846.57	9,330.02	3,855.62	88,029.23	2,248,850.74	3,531.42	101.03	285.54	-74.33
EV/EBITDA Low	4.04	2.01	-0.83	-0.8	971.42	314.07	965.72	4,466.04	360,835.61	381.28	18.08	99.75	-7.2
EV/EBIT Average	4.04	2.13	-0.85	-0.79	- -	- -	- -	- -	- -	- -	- -	-35.69	-15.31
EV/EBIT High	4.04	2.13	-0.85	-0.79	- -	- -	- -	- -	- -	- -	- -	-68.91	-48.43
EV/EBIT Low	4.04	2.13	-0.85	-0.79	- -	- -	- -	- -	- -	- -	- -	-24.07	-4.69
Last Price	- -	- -	- -	- -	11,850	885	581.25	502.5	729	82.75	92.5	53.75	11.1
High Price	- -	- -	- -	- -	49,875	19,275	2,325	3,667.5	2,775	757.5	221.75	152.75	128.5
Enterprise Value Average	7	5	-1	3	189	162	93	159	938	578	222	224	359
Enterprise Value High	7	5	-1	3	558	637	246	981	3,110	1,688	503	432	1,135
Enterprise Value Low	7	5	-1	3	93	21	62	50	499	182	90	151	110

Shares Outstanding	- -	- -	- -	- -	- -	- -	- -	1	2	2	2	5	14
Diluted Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	1	2	2	3	9
Basic Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	1	2	2	3	9
Revenue per Share	516.55	605.85	549.39	364.77	316.91	87.46	22.09	4.76	12.32	2.88	2.71	4.03	1.02
EBITDA per Share	168.74	245.36	161.14	-328.11	8.52	2.05	0.61	0.04	- -	0.21	2.18	0.54	-1.76
Operating Income per Share	168.74	231.48	156.83	-334.67	- -	- -	- -	- -	- -	- -	- -	-2.23	-2.7
Basic EPS, GAAP	157.39	216.59	157.43	-215.49	-770.35	-14.21	-28.77	-14.94	4.18	-13.1	-6.98	-2.61	-3.09
Basic EPS from Cont Ops	168.74	231.48	170.15	-215.49	-770.35	-14.21	-29.48	-15.01	4.4	-12.49	-8.26	-2.73	-3.1
Diluted EPS, GAAP	157.39	216.59	157.15	-215.49	-770.35	-14.21	-28.77	-14.94	3.6	-13.1	-6.98	-2.61	-3.09
Diluted EPS from Cont Ops	168.74	231.48	169.84	-215.49	-770.35	-14.21	-29.48	-15.01	3.79	-12.49	-8.26	-2.73	-3.1
Dividend per Share	121.9	89.01	354.95	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	173.35	220.23	204.57	-304.79	-161.67	-22.83	-11.11	-13.03	2.37	-4.09	-1.49	-4.25	-1.61
Free Cash Flow per Basic Share	173.35	220.23	204.57	-304.79	-161.67	-22.83	-11.24	-13.03	-12.92	-11.1	-1.51	-4.43	-4.23
Cash & Equivalents per Share	69.53	184.34	817.98	206.2	52.72	151.34	7.88	42.71	44.53	2.14	1.06	1.21	0.17
Book Value per Share	- -	- -	-1.53	-217.02	-983.76	-345.75	-138.73	-68.52	-12.09	-19.27	-25.82	-23.38	-10.64
Tangible Book Value per Share	-231.44	-103.02	569.5	379.04	76.06	174.84	-11.53	42.4	53.61	22.76	15.26	10.63	2.59

LM Funding America, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

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Per Share Data Items (USD)