EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, LM Funding America's Enterprise Value is $20.92 Mil.
LM Funding America's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $-39.42 Mil. Therefore, LM Funding America's EV-to-FCF for today is -0.53.
The historical rank and industry rank for LM Funding America's EV-to-FCF or its related term are showing as below:
LMFA'
s EV-to-FCF Range Over the Past 10 Years
Min: -7.37 Med: -0.6 Max: 10.55
Current: -0.53
During the past 13 years, the highest EV-to-FCF of LM Funding America was 10.55. The lowest was -7.37. And the median was -0.60.
LMFA's EV-to-FCF is ranked worse than 100% of 449
companies
in the Capital Markets industry
Industry Median: 9.83
vs LMFA: -0.53
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
LM Funding America (NAS:LMFA) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
LM Funding America's PE Ratio (TTM) for today is calculated as:
LM Funding America's share price for today is $3.3025.
LM Funding America's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-55.351.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
LM Funding America EV-to-FCF Related Terms
LM Funding America EV-to-FCF Historical Data
* Premium members only.
The historical data trend for LM Funding America's EV-to-FCF 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.
For the Capital Markets subindustry, LM Funding America's EV-to-FCF, along with its competitors' market caps and EV-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 EV-to-FCF vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, LM Funding America's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where LM Funding America's EV-to-FCF falls into.
LM Funding America's current Enterprise Value is $20.92 Mil.
LM Funding America's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-39.42 Mil.
* 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 (LMFA) has a EV-to-FCF of -0.53 as of Jul. 12, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on LM Funding America and its competitors. According to the industry distribution chart, LM Funding America ranks #999999 out of 449 companies in the Capital Markets industry.
Is LM Funding America's EV-to-FCF too high?
LM Funding America's current EV-to-FCF is -0.53. Based on the distribution chart, LM Funding America ranks #999999 out of 449 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 EV-to-FCF compare to IPST and MWAI?
According to the Capital Markets industry distribution chart, LM Funding America ranks #999999 out of 449 companies for EV-to-FCF. This places LM Funding America in the lower half of its industry. The industry median EV-to-FCF is 9.83. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Capital Markets company?
The median EV-to-FCF among Capital Markets companies is 9.83, based on 449 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on LM Funding America and its competitors. For the Capital Markets industry, the median EV-to-FCF is 9.83 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LM Funding America's current EV-to-FCF is -0.53. 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 $12.13, compared to a current price of $3.30 — trading 72.8% below its estimated fair value. The current EV-to-FCF is -0.53. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For LM Funding America (LMFA), the current EV-to-FCF is -0.53 as of Jul. 12, 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 $3.30 is trading 72.8% below its estimated GF Value™ of $12.13.
GuruFocus considers LM Funding America to be Possible Value Trap.
Key valuation signals for LMFA:
EV-to-FCF: -0.53
GF Value™: $12.13 vs. price of $3.30 (72.8% 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.
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