LMFA (LM Funding America) LT-Debt-to-Total-Asset: 0.06 (As of Mar. 2026)

What is LM Funding America LT-Debt-to-Total-Asset?

LM Funding America LMFA +2.12% 26 LT-Debt-to-Total-Asset is 0.06 as of Mar. 2026. GuruFocus rates LMFA with a GF Score™ of 26/100 and a GF Value™ of $0.51 (Possible Value Trap). The stock has 5 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. LM Funding America's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.06.

LM Funding America's long-term debt to total assets ratio declined from Mar. 2025 (0.18) to Mar. 2026 (0.06). It may suggest that LM Funding America is progressively becoming less dependent on debt to grow their business.

LM Funding America (NAS:LMFA) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

LM Funding America LT-Debt-to-Total-Asset Related Terms

LM Funding America LT-Debt-to-Total-Asset Historical Data

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The historical data trend for LM Funding America's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

LM Funding America Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

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Dec25

LT-Debt-to-Total-Asset

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0.00

0.16

0.05

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
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.18	0.14	0.03	0.05	0.06

26GF Score

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LM Funding America LT-Debt-to-Total-Asset Calculation

LM Funding America's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	2.523	/	51.316
	=	0.05

LM Funding America's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	2.518	/	41.752
	=	0.06

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.06 mean?

LM Funding America (LMFA) has a LT-Debt-to-Total-Asset of 0.06 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on LM Funding America and its competitors.

Is LM Funding America's LT-Debt-to-Total-Asset too high?

LM Funding America's current LT-Debt-to-Total-Asset is 0.06. Overall, LM Funding America has a GF Score™ of 26/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.

How does LM Funding America's LT-Debt-to-Total-Asset compare to IPST and MWAI?

LM Funding America's LT-Debt-to-Total-Asset of 0.06 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 LT-Debt-to-Total-Asset for a Capital Markets company?

A good LT-Debt-to-Total-Asset depends on the Capital Markets industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on LM Funding America and its competitors. LM Funding America's current LT-Debt-to-Total-Asset is 0.06. 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 $0.51, compared to a current price of $0.14 — trading 72.3% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.06. LM Funding America's overall GF Score™ is 26/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For LM Funding America (LMFA), the current LT-Debt-to-Total-Asset is 0.06 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 $0.14 is trading 72.3% below its estimated GF Value™ of $0.51. GuruFocus considers LM Funding America to be Possible Value Trap.

Key valuation signals for LMFA:

LT-Debt-to-Total-Asset: 0.06
GF Value™: $0.51 vs. price of $0.14 (72.3% below fair value)
GF Score™: 26/100 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

Industry Financial Services Capital Markets

Comparable Companies IPST MWAI LGHL BTMCQ ABTS PMAX MNTR NCPL WAI NIHK MS GS SCHW HOOD ASX:MQG SHSE:600030 BSP:BPAC3 SZSE:300059 SHSE:601211 IBKR

Address 1200 Platt Street, Suite 1000, Tampa, FL, USA, 33602

Website http://www.lmfunding.com

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.

26GF Score

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$0.14

Price

$0.51

GF Value

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