Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. LM Funding America's annualizedNet Income for the quarter that ended in Mar. 2026 was $-40.48 Mil. LM Funding America's average total tangible assets for the quarter that ended in Mar. 2026 was $40.24 Mil. Therefore, LM Funding America's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was -100.59%.
The historical rank and industry rank for LM Funding America's Return-on-Tangible-Asset or its related term are showing as below:
LMFA'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -143.99 Med: -42.9 Max: 12.79
Current: -82.72
During the past 13 years, LM Funding America's highest Return-on-Tangible-Asset was 12.79%. The lowest was -143.99%. And the median was -42.90%.
LMFA's Return-on-Tangible-Asset is ranked worse than 96.07% of 815
companies
in the Capital Markets industry
Industry Median: 1.54
vs LMFA: -82.72
LM Funding America (NAS:LMFA) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
LM Funding America Return-on-Tangible-Asset Related Terms
LM Funding America Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for LM Funding America's Return-on-Tangible-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.
LMFA vs IPST, MWAI, LGHL: Return-on-Tangible-Asset Comparison
For the Capital Markets subindustry, LM Funding America's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, LM Funding America's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where LM Funding America's Return-on-Tangible-Asset 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 Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of -100.59% mean?
LM Funding America (LMFA) has a Return-on-Tangible-Asset of -100.59% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on LM Funding America and its competitors. According to the industry distribution chart, LM Funding America ranks #783 out of 815 companies in the Capital Markets industry, placing it in the top 96.1%.
Is LM Funding America's Return-on-Tangible-Asset too high?
LM Funding America's current Return-on-Tangible-Asset is -100.59%. Based on the distribution chart, LM Funding America ranks #783 out of 815 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 Return-on-Tangible-Asset compare to IPST and MWAI?
According to the Capital Markets industry distribution chart, LM Funding America ranks #783 out of 815 companies for Return-on-Tangible-Asset. This places LM Funding America in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.54. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Asset for a Capital Markets company?
The median Return-on-Tangible-Asset among Capital Markets companies is 1.54, based on 815 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on LM Funding America and its competitors. For the Capital Markets industry, the median Return-on-Tangible-Asset is 1.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LM Funding America's current Return-on-Tangible-Asset is -100.59%. 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 $12.18, compared to a current price of $3.30 — trading 72.9% below its estimated fair value. The current Return-on-Tangible-Asset is -100.59%. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For LM Funding America (LMFA), the current Return-on-Tangible-Asset is -100.59% 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 $3.30 is trading 72.9% below its estimated GF Value™ of $12.18.
GuruFocus considers LM Funding America to be Possible Value Trap.
Key valuation signals for LMFA:
Return-on-Tangible-Asset: -100.59%
GF Value™: $12.18 vs. price of $3.30 (72.9% 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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