LM Funding America Inc (LMFA) — Cash Flow-to-Debt Ratio
LM Funding America Inc (LMFA) has a Cash Flow-to-Debt Ratio of -0.23x as of December 2025, meaning its operating cash flow of $-5.22 Million could theoretically repay 0% of its total liabilities ($22.44 Million) in one year. See LMFA financial flexibility score to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
LM Funding America Inc Cash Flow-to-Debt Ratio (2013–2025)
Historical debt coverage capacity for LM Funding America Inc across 13 annual periods. For the full cash flow conversion analysis, see LMFA operating cash flow.
Annual Cash Flow-to-Debt Ratio for LM Funding America Inc (2013–2025)
Year-by-year debt coverage analysis for LM Funding America Inc. Check LM Funding America Inc cash flow quality index to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | -0.62x | $-13.99 Million | $22.44 Million | ▲ +54.6% |
| 2024 | -1.37x | $-11.95 Million | $8.70 Million | ▼ -14.9% |
| 2023 | -1.19x | $-3.40 Million | $2.85 Million | ▲ +68.7% |
| 2022 | -3.82x | $-9.14 Million | $2.39 Million | ▼ -219.8% |
| 2021 | 3.19x | $3.49 Million | $1.09 Million | ▲ +176.8% |
| 2020 | -4.15x | $-3.52 Million | $849.12K | ▼ -1618.2% |
| 2019 | -0.24x | $-1.16 Million | $4.81 Million | ▲ +92.0% |
| 2018 | -3.02x | $-758.32K | $250.92K | ▼ -78.8% |
| 2017 | -1.69x | $-1.81 Million | $1.07 Million | ▼ -194.6% |
| 2016 | -0.57x | $-3.35 Million | $5.85 Million | ▼ -307.7% |
| 2015 | 0.28x | $2.25 Million | $8.15 Million | ▼ -9.9% |
| 2014 | 0.31x | $2.42 Million | $7.90 Million | ▲ +42.3% |
| 2013 | 0.22x | $1.91 Million | $8.85 Million | — |