LMFA (LM Funding America) Cyclically Adjusted FCF per Share: $-244.02 (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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LMFA LM Funding America Inc LMFA
40 GF Score
Price $2.92
GF Value $12.09
Valuation Possible Value Trap
! 5 Warning Signs
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What is LM Funding America Cyclically Adjusted FCF per Share?

LM Funding America LMFA -11.58% 40 Cyclically Adjusted FCF per Share is $-244.02 as of Mar. 2026. GuruFocus rates LMFA with a GF Score™ of 40/100 and a GF Value™ of $12.09 (Possible Value Trap). The stock has 5 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

LM Funding America's adjusted free cash flow per share for the three months ended in Mar. 2026 was $-4.079. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $-244.02 for the trailing ten years ended in Mar. 2026.

Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

As of today (2026-07-13), LM Funding America's current stock price is $2.92. LM Funding America's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was $-244.02. LM Funding America's Cyclically Adjusted Price-to-FCF of today is .


LM Funding America  (NAS:LMFA) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


LM Funding America Cyclically Adjusted FCF per Share Related Terms


LM Funding America Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for LM Funding America's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

LM Funding America Cyclically Adjusted FCF per Share Chart

LM Funding America Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 -258.56 -246.24

LM Funding America Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -255.28 -251.69 -252.10 -246.24 -244.02

LMFA vs IPST, MWAI, LGHL: Cyclically Adjusted FCF per Share Comparison

For the Capital Markets subindustry, LM Funding America's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


LM Funding America Cyclically Adjusted Price-to-FCF vs Capital Markets Industry

For the Capital Markets industry and Financial Services sector, LM Funding America's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where LM Funding America's Cyclically Adjusted Price-to-FCF falls into.


LMFA
40GF Score
LM Funding America Inc LMFA
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

LM Funding America Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, LM Funding America's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=-4.079/330.2130*330.2130
=-4.079

Current CPI (Mar. 2026) = 330.2130.

LM Funding America Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 0.000 241.018 0.000
201609 0.000 241.428 0.000
201612 0.000 241.432 0.000
201703 0.000 243.801 0.000
201706 0.000 244.955 0.000
201709 0.000 246.819 0.000
201712 -96.000 246.524 -128.590
201803 -137.000 249.554 -181.280
201806 133.000 251.989 174.287
201809 -457.000 252.439 -597.797
201812 -74.500 251.233 -97.921
201903 -67.500 254.202 -87.684
201906 -97.250 256.143 -125.372
201909 -62.250 256.759 -80.059
201912 -63.000 256.974 -80.955
202003 -80.250 258.115 -102.666
202006 -23.600 257.797 -30.229
202009 -181.462 260.280 -230.218
202012 -34.571 260.474 -43.827
202103 138.083 264.877 172.143
202106 55.722 271.696 67.723
202109 -47.278 274.310 -56.913
202112 -29.563 278.802 -35.014
202203 -87.897 287.504 -100.954
202206 -69.644 296.311 -77.612
202209 -51.230 296.808 -56.996
202212 -59.337 296.797 -66.018
202303 -25.607 301.836 -28.014
202306 -10.545 305.109 -11.413
202309 -14.611 307.789 -15.675
202312 -5.020 306.746 -5.404
202403 -41.959 312.332 -44.361
202406 -31.778 314.175 -33.400
202409 -25.509 315.301 -26.715
202412 -29.082 315.605 -30.428
202503 -15.122 319.799 -15.614
202506 -19.395 322.561 -19.855
202509 -52.707 324.800 -53.585
202512 -19.308 324.054 -19.675
202603 -4.079 330.213 -4.079

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of $-244.02 mean?
LM Funding America (LMFA) has a Cyclically Adjusted FCF per Share of $-244.02 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on LM Funding America and its competitors.
Is LM Funding America's Cyclically Adjusted FCF per Share too high?
LM Funding America's current Cyclically Adjusted FCF per Share is $-244.02. Overall, LM Funding America has a GF Score™ of 40/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does LM Funding America's Cyclically Adjusted FCF per Share compare to IPST and MWAI?
LM Funding America's Cyclically Adjusted FCF per Share of $-244.02 can be compared against companies in the Capital Markets industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Capital Markets company?
A good Cyclically Adjusted FCF per Share depends on the Capital Markets industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on LM Funding America and its competitors. LM Funding America's current Cyclically Adjusted FCF per Share is $-244.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is LM Funding America stock overvalued right now?
Based on GuruFocus' analysis, LM Funding America (LMFA) is currently considered Possible Value Trap. The stock's GF Value™ is $12.09, compared to a current price of $2.92 — trading 75.8% below its estimated fair value. The current Cyclically Adjusted FCF per Share is $-244.02. LM Funding America's overall GF Score™ is 40/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For LM Funding America (LMFA), the current Cyclically Adjusted FCF per Share is $-244.02 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is LM Funding America (LMFA) Overvalued in 2026?

Based on GuruFocus' analysis, LM Funding America stock appears to be undervalued. The current stock price of $2.92 is trading 75.8% below its estimated GF Value™ of $12.09. GuruFocus considers LM Funding America to be Possible Value Trap.

Key valuation signals for LMFA:

  • Cyclically Adjusted FCF per Share: $-244.02
  • GF Value™: $12.09 vs. price of $2.92 (75.8% below fair value)
  • GF Score™: 40/100 with 5 warning signs

No single metric tells the full story. See the LMFA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


LM Funding America Business Description

Address 1200 Platt Street, Suite 1000, Tampa, FL, USA, 33602
LM Funding America Inc is a financial services company. The company provides funding to nonprofit community associations located in the state of Florida and to nonprofit community associations in the states of Washington and Colorado. Its products include Original Product and New Neighbor Guaranty. 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. It currently has two lines of business recently commenced cryptocurrency mining business and historical specialty finance business. The Company has two operating segments: Specialty Finance and Mining and Treasury Operations.
40GF Score

Get the complete analysis for LMFA

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$2.92
Price
$12.09
GF Value