LM Funding America (LMFA) Balance Sheet: Assets & Liabilities

LM Funding America (LMFA) Balance Sheet

As of Dec 31, 2025 (end of fiscal 2025), LM Funding America reported total assets of $51.32M and total liabilities of $22.44M. Shareholders' equity was $30.62M, down 17.3% from $37.03M a year earlier. Total debt stood at $19.86M against $1.46M in cash and short-term investments, a net debt position of $18.40M. That puts debt-to-equity at 0.65, compared with 0.21 a year earlier.

LM Funding America Balance Sheet Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Balance sheet showing assets, liabilities, and shareholders' equity for LM Funding America, Inc. (LMFA) - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2024	FY 2023	FY 2023	FY 2022	FY 2022	FY 2021	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Mar 2025	Dec 2024	Mar 2024	Dec 2023	Mar 2023	Dec 2022	Mar 2022	Dec 2021	Dec 2020	Dec 2019	Mar 2019	Dec 2017
Current Assets
Cash and Cash Equivalents	1.42	3.38	3.38	2.40	2.40	4.24	4.76	32.56	48.55	11.55	0.82	3.52	0.59
Short-Term Investments	0.04	0.03	0.03	3.43	-	0.89	0.00	4.67	2.13	0.00	0.00	1.51	0.00
Cash & Short-Term Investments	1.46	3.41	3.41	5.84	2.42	5.13	4.76	37.23	48.55	11.55	0.82	5.03	0.59
Accounts Receivable	12.68	0.23	0.25	1.69	1.67	4.13	4.10	0.03	2.03	0.00	0.13	0.03	0.98
Inventory	0.00	0.00	-	0.00	-	0.00	-	0.00	-	0.00	0.00	0.00	0.00
Other Current Assets	3.76	-0.23	9.85	-7.53	-	-9.26	-	-37.26	-	0.40	0.15	0.16	0.10
Total Current Assets	23.50	3.41	13.51	0.00	-	0.00	-	0.00	-	11.95	1.09	5.21	1.67
Non-Current Assets
Property, Plant & Equipment (Net)	10.65	19.32	19.32	24.73	24.71	27.46	29.66	0.08	0.87	0.17	0.27	0.03	0.07
Long-Term Investments	0.02	0.21	0.21	0.00	2.74	0.00	17.58	0.00	4.68	0.17	2.21	0.66	0.98
Goodwill	0.00	0.00	-	0.00	-	0.00	-	0.00	-	0.00	4.04	0.00	0.00
Intangible Assets	6.33	5.48	5.48	0.00	-	0.00	-	0.00	-	0.00	0.00	0.02	0.05
Other Non-Current Assets	10.82	-0.21	5.62	-24.73	0.19	-27.46	2.82	-0.08	16.87	0.03	0.03	0.15	-0.79
Total Non-Current Assets	27.82	24.79	30.54	0.00	-	0.00	-	0.00	-	0.37	6.55	0.85	0.30
Total Assets	51.32	44.05	44.05	37.71	37.71	53.19	53.19	62.10	62.10	12.32	7.64	6.06	1.97
Current Liabilities
Accounts Payable	1.75	0.99	0.99	0.00	2.06	0.00	1.57	0.00	0.46	0.24	0.21	0.19	0.48
Short-Term Debt	17.93	0.56	0.39	0.68	0.57	0.57	0.48	0.18	0.11	0.20	0.16	0.04	0.04
Accrued Liabilities	-	-	-	-	-	-	0.06	-	0.12	-	-	-	-
Other Current Liabilities	0.00	0.02	0.02	-0.68	0.02	-0.57	0.01	0.91	0.00	0.16	-0.01	0.00	0.51
Total Current Liabilities	19.92	1.56	1.56	0.00	-	0.00	-	1.09	-	0.44	0.37	0.23	1.02
Non-Current Liabilities
Long-Term Debt	1.93	7.14	6.37	0.09	0.09	0.18	0.18	0.00	-	0.19	3.63	0.00	0.04
Other Non-Current Liabilities	1.79	6.37	-	-0.09	-	-0.18	-	0.00	-	0.16	0.80	0.02	0.01
Total Non-Current Liabilities	2.52	13.51	7.14	0.00	-	0.00	-	0.00	-	0.41	4.43	0.02	0.05
Total Liabilities	22.44	8.70	8.70	2.85	2.85	2.39	2.39	1.09	1.09	0.85	4.81	0.25	1.07
Stockholders' Equity
Common Stock	0.01	0.00	0.00	0.00	0.00	0.01	0.00	0.01	0.01	0.00	0.00	0.00	0.00
Retained Earnings	-92.58	-65.66	-65.66	-58.96	-58.96	-43.02	-43.02	-13.78	-13.78	-18.54	-14.49	-11.49	-11.02
Additional Paid-in Capital	123.19	102.69	102.69	95.15	95.15	92.20	92.21	74.53	74.53	30.00	17.33	17.30	11.91
Minority Interest	-1.74	-1.68	-1.68	-1.33	-1.33	1.61	1.61	0.25	0.25	0.01	0.00	0.00	0.00
Shares Outstanding	0.56	-	0.21	-	0.10	-	0.09	-	2.17	-	-	-	-
Total Stockholders' Equity	30.62	37.03	33.66	36.19	33.54	49.19	49.19	60.76	60.76	11.47	2.83	5.81	0.90
Total Liabilities & Equity	51.32	44.05	44.05	37.71	37.71	53.19	53.19	62.10	62.10	12.32	7.64	6.06	1.97

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About LM Funding America Balance Sheet

How much debt does LM Funding America have?

LM Funding America had total debt of $19.86M as of Dec 31, 2025, against $1.46M in cash and short-term investments. Its debt-to-equity ratio was 0.65. Total debt was $7.70M a year earlier.

What are LM Funding America's total assets?

LM Funding America reported total assets of $51.32M as of Dec 31, 2025, up 16.5% from $44.05M a year earlier. Total liabilities were $22.44M.

What is LM Funding America's shareholders' equity?

LM Funding America's shareholders' equity was $30.62M as of Dec 31, 2025, or about $54.20 of book value per share.

What is the debt-to-equity ratio?

The debt-to-equity ratio divides a company's total debt by its shareholders' equity. It shows how much of the business is financed with borrowed money; normal levels vary widely by industry. Full definition