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LM Funding America, Inc. ( we , our , LMFA , or the Company ) currently maintains three distinct business operations: our Bitcoin treasury operations, Bitcoin mining business and our specialty finance business. Our investment strategy with respect to our Bitcoin treasury operations involves retaining a majority of our currently held Bitcoin and acquiring new Bitcoin through our mining operations.
The institution is unprofitable. This typically signals severe credit losses or a business in transition.
Revenue declined 19.6% YoY. For a bank, this often signals contracting loan book or reduced fee income.
Traditional FCF and operating-margin metrics are not meaningful for financial institutions. Evaluate using net interest margin, credit quality, and capital ratios instead.
Profitability & Returns
Revenue (TTM)
$9M
▼ -19.6% YoY
Net Income (TTM)
-$32M
▼ -268.0% YoY
Net Margin
-368.57%
P/E
—
Balance Sheet
Total Assets
$42M
Equity
$21M
Total Debt
$27M
Cash & Equiv.
$836K
5Y CAGR: +47.6%
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