LM Funding America, Inc. (LMFA) Fair Value 2026

LMFA · Finance Services ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

5.2 /10

32 fundamental signals · 8 models active

Value Trap Risk

LOW (30/100)

Quick Summary — As of 2026-07-15, LM Funding America, Inc. (LMFA) trades at $2.84. QOC: 5.2/10. Value Trap Risk: 30/100 (LOW). 8/13 models active.

Key Facts

Ticker
LMFA
Price
$2.84
Quality Score
5.2/10
Value Trap Risk
30/100
Models Active
8/13
Last Updated
Strength: CUCE Ensemble suggests +61.5% upside with 2% confidence
Risk: Majority of models suggest overvaluation

Is LM Funding America, Inc. (LMFA) Undervalued or Overvalued in 2026?

According to CirclFi’s 8-model valuation engine, LM Funding America, Inc. (LMFA) appears overvalued as of : the median of 8 independent fair value estimates is $0.50, 82.4% below the current price of $2.84. Estimates range from $0.02 to $4.59. LMFA scores 5.2/10 on fundamental quality and 30/100 on value-trap risk.

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy LM Funding America, Inc. Stock in 2026? →

Valuation Matrix

8 Intrinsic Value Models vs. Current Price ($2.84)

Core Models (Unlocked)
Model Fair Value Upside
CUCE Ensemble
Low Conviction
 $4.59 +61.5%
First Chicago
High Conviction
 $0.88 -69.2%
ML-RIV
Medium Conviction
 $0.02 -99.4%
Dynamic NAV
Medium Conviction
 $0.46 -83.7%

Unlock the Full Matrix

Access 4 additional models including PWERM, Regime Cross-Sectional, and more.

$1.30 / day

Billed monthly ($39/mo) or annually ($299/yr)

Unlock All 8 Models →

Cancel anytime · No contracts · Instant access

What Is LM Funding America, Inc. (LMFA) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, LM Funding America, Inc.'s intrinsic value is estimated at $1.10. Trading at its current price of $2.84, the valuation engine raises significant caution: 7 of 8 models flag downside risk, projecting an average implied return of -61.3%. The most optimistic model, CUCE, places fair value at $4.59 (+61.5%), while ML-RIV — the most conservative — estimates $0.02 (-99.4%). This +160.9% gap reflects genuine analytical uncertainty about LM Funding America, Inc.'s intrinsic worth.

What Do the Models Say About LMFA?

8 of 13 models are currently active for LMFA. Of these, 1 model suggests upside while 7 models suggest overvaluation. See which stocks rank higher →

How Does LMFA Rank in Finance Services?

Among 114 Finance Services stocks, LMFA ranks #71 by Quality of Company score. CirclFi's QOC score of 5.2/10 evaluates 32 fundamental signals. A score of 5.2 reflects mixed fundamentals.

See all Most Undervalued Finance Services Stocks →

LM Funding America, Inc. operates in a competitive landscape where fundamental quality metrics are key differentiators for long-term value creation.

Is LMFA a Value Trap?

CirclFi's Value Trap algorithm assigns LMFA a score of 30/100 (LOW). This indicates low risk. The financial profile does not exhibit typical value trap warning signs. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

8 of 13 models are active for LM Funding America, Inc.. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, LM Funding America, Inc. earns a quality score of 5.2/10. This mixed rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +160.9% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every LMFA valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across LMFA's 8 active models, average confidence is 30%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy LM Funding America, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Finance Services Stocks Should You Also Analyze?

8 related Finance Services stocks with 13-model coverage

QFINQfin Holdings, Inc.QOC 10.0XYFX FinancialQOC 9.7COINCoinbase Global, Inc.QOC 9.6SIISprott Inc.QOC 9.4JFINJiayin Group Inc.QOC 9.2AXPAmerican Express CompanyQOC 9.2FUFUBitFuFu Inc.QOC 9.0OPFIOppFi Inc.QOC 8.8

Read investment analysis: QFIN · XYF · COIN · SII · JFIN

See all Finance Services stocks ranked →

Frequently Asked Questions About LM Funding America, Inc.

What is LM Funding America, Inc.'s intrinsic value in 2026?

Based on CirclFi's 13-model analysis, LM Funding America, Inc. (LMFA) has multiple fair value estimates. The Bayesian DCF model runs 10,000 Monte Carlo simulations with jump-diffusion to estimate intrinsic value. The Quality of Company score is 5.2/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is LMFA overvalued or undervalued right now?

At $2.84, 1 of 8 active models suggest LMFA may be undervalued, while 7 indicate potential overvaluation. The median of all 8 fair value estimates is $0.50, 82.4% below the current price of $2.84 — a consensus view that LMFA is overvalued. The assessment depends on which methodology best fits LM Funding America, Inc.'s business model in Finance Services.

What does a Quality of Company score of 5.2 mean for LMFA?

LM Funding America, Inc.'s QOC of 5.2/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on LMFA?

CirclFi analyzes LMFA with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 8 of 13 are active for this stock. Read the full methodology →

Is LMFA a value trap in 2026?

LM Funding America, Inc.'s Value Trap score is 30/100 (LOW). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →

Cite this analysis — “According to CirclFi’s 8-model valuation engine, LM Funding America, Inc. (LMFA) has a median fair value of $0.50 — 82.4% below the current price of $2.84 — as of 2026-07-15.” Source: circlfi.com/stock/LMFA/ · Methodology

You’ve done the research. Don’t stop at half the picture.

Stop collecting opinions. Let 8 mathematical frameworks give you clarity on LMFA.

Unlock All 8 Fair Values — $39/mo

Cancel anytime · Less than a cup of coffee · Instant access