LMFA (LM Funding America) Moat Score: 2/10 (As of Jun. 28, 2026)


LMFA LM Funding America Inc LMFA
26 GF Score
Price $0.14
GF Value $0.51
Valuation Possible Value Trap
! 5 Warning Signs
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What is LM Funding America Moat Score?

LM Funding America LMFA +2.12% 26 Moat Score is 2 as of Jun. 28, 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. Among 841 Capital Markets companies, LM Funding America ranks better than 85.49% on this metric.

LM Funding America has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

LM Funding America has No Moat: LM Funding America has very weak competitive advantages. It operates in a niche financial services sector with limited market share and lacks significant brand strength or regulatory barriers.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes LM Funding America might have No Moat - Very weak/transient advantages.

LM Funding America  (NAS:LMFA) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

LM Funding America Moat Score Related Terms

LMFA vs WAI, PMAX, ITEX: Moat Score Comparison

For the Capital Markets subindustry, LM Funding America's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Capital Markets Industry

For the Capital Markets industry and Financial Services sector, LM Funding America's Moat Score distribution charts can be found below:

* The bar in red indicates where LM Funding America's Moat Score falls into.


LMFA
26GF Score
LM Funding America Inc LMFA
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 2 mean?
LM Funding America (LMFA) has a Moat Score of 2 as of Jun. 28, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, LM Funding America ranks #122 out of 841 companies in the Capital Markets industry, placing it in the top 14.5%.
Is LM Funding America's Moat Score too high?
LM Funding America's current Moat Score is 2. Based on the distribution chart, LM Funding America ranks #122 out of 841 companies in the Capital Markets industry, which is in the top quartile — a strong position relative to peers. 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 Moat Score compare to WAI and PMAX?
According to the Capital Markets industry distribution chart, LM Funding America ranks #122 out of 841 companies for Moat Score. This places LM Funding America in the top 15% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Capital Markets company?
A good Moat Score depends on the Capital Markets industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. LM Funding America's current Moat Score is 2. 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 Moat Score is 2. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For LM Funding America (LMFA), the current Moat Score is 2 as of Jun. 28, 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:

  • Moat Score: 2
  • 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

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.
26GF Score

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$0.14
Price
$0.51
GF Value