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A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for LM Funding America's Debt-to-EBITDA or its related term are showing as below:
LMFA'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -1.71 Med: -0.04 Max: 5.1
Current: -1.11
During the past 13 years, the highest Debt-to-EBITDA Ratio of LM Funding America was 5.10. The lowest was -1.71. And the median was -0.04.
LMFA's Debt-to-EBITDA is ranked worse than 100% of 423
companies
in the Capital Markets industry
Industry Median: 1.56
vs LMFA: -1.11
LM Funding America (NAS:LMFA) Debt-to-EBITDA Explanation
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
LM Funding America Debt-to-EBITDA Related Terms
LM Funding America Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for LM Funding America's Debt-to-EBITDA 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.
LMFA vs IPST, MWAI, LGHL: Debt-to-EBITDA Comparison
For the Capital Markets subindustry, LM Funding America's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, LM Funding America's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where LM Funding America's Debt-to-EBITDA falls into.
* 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
LM Funding America (LMFA) has a Debt-to-EBITDA of -0.83 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on LM Funding America. According to the industry distribution chart, LM Funding America ranks #999999 out of 423 companies in the Capital Markets industry.
Is LM Funding America's Debt-to-EBITDA too high?
LM Funding America's current Debt-to-EBITDA is -0.83. Based on the distribution chart, LM Funding America ranks #999999 out of 423 companies in the Capital Markets industry, which is in the bottom quartile relative to peers. 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 Debt-to-EBITDA compare to IPST and MWAI?
According to the Capital Markets industry distribution chart, LM Funding America ranks #999999 out of 423 companies for Debt-to-EBITDA. This places LM Funding America in the lower half of its industry. The industry median Debt-to-EBITDA is 1.56. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Capital Markets company?
The median Debt-to-EBITDA among Capital Markets companies is 1.56, based on 423 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on LM Funding America. For the Capital Markets industry, the median Debt-to-EBITDA is 1.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LM Funding America's current Debt-to-EBITDA is -0.83. 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 $11.83, compared to a current price of $2.65 — trading 77.6% below its estimated fair value. The current Debt-to-EBITDA is -0.83. 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 Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For LM Funding America (LMFA), the current Debt-to-EBITDA is -0.83 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 $2.65 is trading 77.6% below its estimated GF Value™ of $11.83.
GuruFocus considers LM Funding America to be Possible Value Trap.
Key valuation signals for LMFA:
Debt-to-EBITDA: -0.83
GF Value™: $11.83 vs. price of $2.65 (77.6% below fair value)
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 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
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