LM
LMFA
—
Nasdaq
Banks
Lm Funding America, Inc.
Last 30 days
1D5D1M3M6MYTD1Y5YMax
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Mcap
3,2M USD
P/E
—
EV / Rev
1,1x
Div yield
—
Op margin
-258,7 %
ROE
-129,2 %
Net margin
-304,4 %
Debt / equity
0,33
Beta
—
52w range
—
Volume
—
Day range
—
Prev close
$0,15
Open
—
Next earnings
—
Ex-dividend
—
TR 1Y
—
About
LM FUNDING AMERICA, INC. is classified under Financials / Banks and appears not currently profitable on the latest normalized snapshot.
Business. LM Funding America, Inc. (LMFA) is a commercial bank headquartered in the United States that operates within the Banking Services industry group. The company generates revenue primarily through interest income, consistent with standard commercial banking activities. It is publicly traded on the Nasdaq stock exchange under the ticker symbol LMFA. Specific details regarding operating segments or geographic revenue breakdowns are not available.
Classification81 %
SectorFinancials
Business sectorBanking & Investment Services
Industry groupBanking Services
IndustryBanks
ActivityCommercial Banks
Generated · rules-based
Sell-side consensus
—consensus pending
— buy— hold— sell
Avg 12m price target—
At a glance
Score→
22
composite score
Valuation
—
valuation pending
Analysts
—
not yet wired
Ownership→
Geode Capital Management, L.L.C.
largest disclosed fund holder
Profitability→
-129,2 %
return on equity
Quality→
67
quality score (0-100)
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
— missing data
News & coverage
0Sector rotation
Sector1D1Mvs mkt
Materials+2,2 %+3,3 %+2,1 %
Energy+1,6 %+5,8 %+1,6 %
Real Estate+0,7 %+4,1 %+0,6 %
Health Care+0,6 %−0,6 %+0,6 %
Consumer Discretionary+0,3 %+9,4 %+0,2 %
Information Technology−0,3 %+6,6 %−0,4 %
Financials · THIS SECTOR−0,4 %−4,4 %−0,5 %
Consumer Staples−1,1 %+2,9 %−1,1 %
Industrials−1,3 %−1,6 %−1,4 %
Utilities−1,5 %−21,2 %−1,6 %
Communication Services———
Developing storylines
No tracked sagas currently linked to LMFA. Browse all sagas →
Analysis
AI analysis
Generated · analysis pipeline · tier hybrid · as of 2026-07-09
↑ At a glance
Opportunity
— missing data
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Peers
- EarningsQ2 2026 earnings (expected)2026-07-14 · estimated · JPMorgan Chase (JPM)
- EarningsQ2 2026 earnings (expected)2026-07-14 · estimated · Bank of America (BAC)
- Macro
- Rate decisionBank of Canada rate decision (press conf.)2026-07-15 · CA
- Rate decisionBank of Japan rate decision (press conf.)2026-07-16 · JP
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-07-16 · EU
- Rate decisionFederal Reserve rate decision (press conf.)2026-07-29 · US
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
— missing data
Signals & dispatch
peak dispatch · —
Composite-score breakdown
Score breakdown22
Valuation+26
Sentiment+12
Risk penalty−16
Missing signals−1
Synthesis
Business
LM Funding America, Inc. (LMFA) is a commercial bank headquartered in the United States that operates within the Banking Services industry group. The company generates revenue primarily through interest income, consistent with standard commercial banking activities. It is publicly traded on the Nasdaq stock exchange under the ticker symbol LMFA. Specific details regarding operating segments or geographic revenue breakdowns are not available.
Classification81 %
SectorFinancials
Business sectorBanking & Investment Services
Industry groupBanking Services
IndustryBanks
ActivityCommercial Banks
AI synthesis
GENERATEDLM FUNDING AMERICA, INC. (LMFA) is currently classified as Commercial Banks within Banks (Financials). Classification confidence: 0.81 (rule-based classification). Capital structure on the latest snapshot: total assets 41,752,353 USD, total equity 20,829,692, short-term debt 6,797,473, long-term debt 0. Net cash position is approximately -6,762,473 USD. Self-calculated market cap is 3,207,650 USD (market_price × shares_outstanding_diluted). Profitability profile: revenue 2,108,967, gross profit 0, operating income -6,432,275, net income -10,119,214. Return on equity ~-129.2%. Return on assets ~-64.5%. Operating-cash-flow to net-income ratio is 0.52. Risk profile from automated assessment: liquidity risk high, dilution risk high. Flags: Diluted share count is materially above the basic share count.; Current ratio is close to the minimum comfort range.; Net cash is negative after subtracting total debt.; Source documents mention dilution or offering risk.. Recent news context: [TRIGGER] 8-K: 8-K (sec_8k_material) on LMFA — filing_type=8-K; max_severity=medium; ignored_items=['9.01']; material_items=['2.02']; all_items_found=['2.02', '9.01']; severity_per_code={'2.02': 'medium'}; contributing_watchers=sec_8k_material (source=sec_8k_material; url=0001193125-26-298007). Additional context: 8-K: filing_type=8-K; max_severity=medium; ignored_items=['9.01']; material_items=['2.02']; all_items_found=['2.02', '9.01']; severity_per_code={'2.02': 'medium'}; contributing_watchers=sec_8k_material. Comparable peers identified within the same class: JPMorgan Chase, Bank of America, Citigroup.
Key takeaways
- Return on equity is about -129.2%.
- Debt to equity is about 0.33x.
- [TRIGGER] 8-K: 8-K (sec_8k_material) on LMFA — filing_type=8-K; max_severity=medium; ignored_items=['9.01']; material_items=['2.02']; all_items_found=['2.02', '9.01']; severity_per_code={'2.02': 'medium'}; contributing_watchers=sec_8k_material (source=sec_8k_material; url=0001193125-26-298007)
- Likely peers from the same classification include JPMorgan Chase, Bank of America, Citigroup.
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- Decisions to purchase or sell Bitcoin are made on a case-by-case basis at management’s discretion, taking into account factors such as our liquidity, general market conditions, and anticipated cash requirements.
Bull / Bear case
Generated · model-assistedBULL CASE · 5
The stock trades at a significant discount to book value, with a price-to-book ratio of just 0.22.
Revenue growth accelerated significantly, rising 24.4% year-over-year to approximately $11 million in fiscal 2025.
The company maintains a conservative capital structure with a debt-to-equity ratio of 0.33, below the cohort median.
Capital expenditure intensity is best-in-class relative to peers, indicating efficient investment in long-term growth assets.
The firm exhibits low credit risk, suggesting a relatively stable loan portfolio despite broader economic uncertainties.
BEAR CASE · 4
The company faces high dilution and liquidity risks, threatening shareholder value and operational stability.
Profitability remains deeply negative, with a net margin of -3.04% and operating margin of -2.59%.
Return on equity is severely negative at -1.29%, placing the company in the bottom quartile of its peer cohort.
Free cash flow deteriorated to -$16.2 million in fiscal 2025, highlighting significant ongoing cash burn.
In focus — financials by report
Quarterly
Annual
QUARTERLYFiled 2026-03-31
Q4 2025 · Quarter highlights
Revenue $2.1M; Operating income -$6.4M.
Revenue$2.1M
Operating income-$6.4M
Net income-$10.1M
Free cash flow-$3.5M
EPS—
Operating cash flow-$3.3M
Financials
Income statement
Revenue$2.1M
Gross profit—
Operating income-$6.4M
Net income-$10.1M
Margins
Gross margin—
Operating margin-305.0%
Net margin-479.8%
FCF margin-165.8%
Balance sheet
Total assets$41.8M
Total liabilities$22.7M
Total equity$20.8M
Cash & equivalents—
Long-term debt—
Cash flow
Operating cash flow-$3.3M
CapEx$207.9k
Free cash flow-$3.5M
SBC$331.0k
P&L flow · revenue → net income
Highlights
- ▍Revenue $2.1M
- ▍Operating income -$6.4M
- ▍Net margin -479.8%
QUARTERLYFiled 2025-09-30
Q2 2025 · Quarter highlights
Revenue $6.5M; Operating income -$8.2M.
Revenue$6.5M
Operating income-$8.2M
Net income-$9.0M
Free cash flow-$9.4M
EPS—
Operating cash flow-$8.8M
Financials
Income statement
Revenue$6.5M
Gross profit—
Operating income-$8.2M
Net income-$9.0M
Margins
Gross margin—
Operating margin-126.5%
Net margin-139.4%
FCF margin-145.2%
Balance sheet
Total assets$60.2M
Total liabilities$11.7M
Total equity$50.1M
Cash & equivalents—
Long-term debt—
Cash flow
Operating cash flow-$8.8M
CapEx$635.7k
Free cash flow-$9.4M
SBC$0.00
P&L flow · revenue → net income
Highlights
- ▍Revenue $6.5M
- ▍Operating income -$8.2M
- ▍Net margin -139.4%
QUARTERLYFiled 2025-06-30
Q1 2025 · Quarter highlights
Revenue $4.3M; Operating income -$4.7M.
Revenue$4.3M
Operating income-$4.7M
Net income-$5.3M
Free cash flow-$6.1M
EPS—
Operating cash flow-$5.7M
Financials
Income statement
Revenue$4.3M
Gross profit—
Operating income-$4.7M
Net income-$5.3M
Margins
Gross margin—
Operating margin-108.8%
Net margin-123.2%
FCF margin-141.7%
Balance sheet
Total assets$39.0M
Total liabilities$8.9M
Total equity$31.9M
Cash & equivalents—
Long-term debt—
Cash flow
Operating cash flow-$5.7M
CapEx$377.2k
Free cash flow-$6.1M
SBC$0.00
P&L flow · revenue → net income
Highlights
- ▍Revenue $4.3M
- ▍Operating income -$4.7M
- ▍Net margin -123.2%
ANNUALFiled 2025-12-31
FY 2025 · Full-year highlights
Revenue $8.8M; Operating income -$22.9M.
Revenue$8.8M
Operating income-$22.9M
Net income-$26.9M
Free cash flow-$16.2M
EPS—
Operating cash flow-$14.0M
Financials
Income statement
Revenue$8.8M
Gross profit—
Operating income-$22.9M
Net income-$26.9M
Margins
Gross margin—
Operating margin-258.7%
Net margin-304.4%
FCF margin-183.1%
Balance sheet
Total assets$51.3M
Total liabilities$22.4M
Total equity$30.6M
Cash & equivalents—
Long-term debt—
Cash flow
Operating cash flow-$14.0M
CapEx$2.2M
Free cash flow-$16.2M
SBC$0.00
P&L flow · revenue → net income
Highlights
- ▍Revenue $8.8M
- ▍Operating income -$22.9M
- ▍Net margin -304.4%
ANNUALFiled 2024-12-31
FY 2024 · Full-year highlights
Revenue $11.0M; Operating income -$6.5M.
Revenue$11.0M
Operating income-$6.5M
Net income-$7.3M
Free cash flow-$13.7M
EPS—
Operating cash flow-$11.9M
Financials
Income statement
Revenue$11.0M
Gross profit—
Operating income-$6.5M
Net income-$7.3M
Margins
Gross margin—
Operating margin-58.7%
Net margin-66.5%
FCF margin-124.4%
Balance sheet
Total assets$44.0M
Total liabilities$8.7M
Total equity$37.0M
Cash & equivalents—
Long-term debt—
Cash flow
Operating cash flow-$11.9M
CapEx$1.7M
Free cash flow-$13.7M
SBC$76.3k
P&L flow · revenue → net income
Highlights
- ▍Revenue $11.0M
- ▍Operating income -$6.5M
- ▍Net margin -66.5%
ANNUALFiled 2024-12-31
FY 2025 · Full-year highlights
Revenue $11.0M; Operating income -$6.5M.
Revenue$11.0M
Operating income-$6.5M
Net income-$7.3M
Free cash flow-$13.7M
EPS—
Operating cash flow-$11.9M
Financials
Income statement
Revenue$11.0M
Gross profit—
Operating income-$6.5M
Net income-$7.3M
Margins
Gross margin—
Operating margin-58.7%
Net margin-66.5%
FCF margin-124.4%
Balance sheet
Total assets$44.0M
Total liabilities$8.7M
Total equity$37.0M
Cash & equivalents—
Long-term debt—
Cash flow
Operating cash flow-$11.9M
CapEx$1.7M
Free cash flow-$13.7M
SBC$76.3k
P&L flow · revenue → net income
Highlights
- ▍Revenue $11.0M
- ▍Operating income -$6.5M
- ▍Net margin -66.5%
ANNUALFiled 2024-09-30
FY 2024 · Full-year highlights
Revenue—
Operating income—
Net income-$8.0M
Free cash flow—
EPS—
Operating cash flow—
Financials
Income statement
Revenue—
Gross profit—
Operating income—
Net income-$8.0M
Balance sheet
Total assets$37.9M
Total liabilities—
Total equity$29.9M
Cash & equivalents—
Long-term debt—
ANNUALFiled 2024-09-30
FY 2025 · Full-year highlights
Revenue—
Operating income—
Net income-$8.0M
Free cash flow—
EPS—
Operating cash flow—
Financials
Income statement
Revenue—
Gross profit—
Operating income—
Net income-$8.0M
Balance sheet
Total assets$37.9M
Total liabilities—
Total equity$29.9M
Cash & equivalents—
Long-term debt—
Valuation FY
Market price
$0,15
Market cap
$3.2M
Enterprise valueⓘ
$10.0M
P/Eⓘ
—
Non-GAAP P/Eⓘ
—
EV / Revenueⓘ
1.1x
EV / Op incomeⓘ
—
EV / OCFⓘ
—
P / Bⓘ
0.2x
P / Tangible bookⓘ
0.2x
Tangible book
$12.8M
Net cashⓘ
-$6.8M
Current ratioⓘ
1.1
Debt / equityⓘ
0.3
ROAⓘ
-64.5%
ROEⓘ
-1.3%
Cash conversionⓘ
52.0%
CapEx / revenueⓘ
24.9%
SBC / revenueⓘ
0.0%
Dilution ratioⓘ
32.8%
Revenue by segment
Business relationships
Business relationships20 disclosed relationships · 2 types · extracted from filings & disclosures
Vendors2
Galaxy Digital IncGLXY.OVendor95%Source ↗
Greenidge Generation HoldingGREE.OVendor95%Source ↗
Subsidiaries18
EX21:0d46bf7e2c75EX21:0d46bf7e2c75Subsidiarie97%
EX21:0d9e617c8303EX21:0d9e617c8303Subsidiarie97%
EX21:123e1951f4b4EX21:123e1951f4b4Subsidiarie97%
EX21:1fc2d5682e2eEX21:1fc2d5682e2eSubsidiarie97%
EX21:2e2d8e55ec5eEX21:2e2d8e55ec5eSubsidiarie97%
EX21:33bd258f8986EX21:33bd258f8986Subsidiarie97%
EX21:3fb69661b8c4EX21:3fb69661b8c4Subsidiarie97%
EX21:45cc4bb79424EX21:45cc4bb79424Subsidiarie97%
EX21:65cac2634d51EX21:65cac2634d51Subsidiarie97%
EX21:6a42068a340dEX21:6a42068a340dSubsidiarie97%
EX21:8413d125f02dEX21:8413d125f02dSubsidiarie97%
EX21:88538cb88695EX21:88538cb88695Subsidiarie97%
EX21:a9298c66949eEX21:a9298c66949eSubsidiarie97%
EX21:afeef939ddb1EX21:afeef939ddb1Subsidiarie97%
EX21:b85a03d4820aEX21:b85a03d4820aSubsidiarie97%
EX21:c29664881febEX21:c29664881febSubsidiarie97%
EX21:e9394421bd38EX21:e9394421bd38Subsidiarie97%
EX21:ff4f227cc2ffEX21:ff4f227cc2ffSubsidiarie97%
Supply chain
Vendors → LMFA ↔ Partners → Customers · click any node to drill
2 mentions in 10-K0 from corporate websites0 from news dispatches
Updated 2026-06-24Peer comparison
— missing data
Market position
Stress test
— missing data
Predictor forecast
Options
— missing data
Short squeeze
— missing data
Earnings-call key lines
— missing data
Consensus distribution
sell-side coverageRecommendation distribution1 analysts
Strong buy0
Buy1
Hold0
Sell0
Strong sell0
12-month price target$1,00 · Median $1,00
Low $1,00High $1,00
Operating income · consensus-13,5M USD
EPS surprise
−272,7 %
reported vs consensus · miss
Revenue surprise
−6,9 %
reported vs consensus · miss
Estimate revisions
consensus EPS · 26-week trend— missing data
Sell-side observations
Low$1,00
Mean$1,00
Median$1,00
High$1,00
Spot$0,15
+568.9 %implied to mean12-month sell-side price targets · ▲ spot
Themes
— missing data
ESG
— missing data
Risk factors
Dilution riskHigh
Liquidity riskHigh
Filing-based flags
- Diluted share count is materially above the basic share count.
- Current ratio is close to the minimum comfort range.
- Net cash is negative after subtracting total debt.
- Source documents mention dilution or offering risk.
Benchmarks vs cohort
Op Margin-258,7 %Bottom quartile
Net Margin-304,4 %Bottom quartile
ROE-129,2 %Bottom quartile
Capex / Rev24,9 %Best in class
D/E0,33Above median
Cash Conv0,52Below median
Corporate actions / M&A
— missing data
FX exposure
— missing data
Comparable transactions
— missing data
Derivatives & instruments
Derivative transactions
Net acquired 1 085 620 sh9 grants9 insiders
- Vice President of Operations · Stock Option (right to buy) → Common StockAcquired 61 700 @ $1,14grant · 2025-09-30
- Chief Financial Officer · Stock Option (right to buy) → Common StockAcquired 114 500 @ $1,14grant · 2025-09-30
- Director, Chairman, CEO and President · Stock Option (right to buy) → Common StockAcquired 176 100 @ $1,14grant · 2025-09-30
- Director · Stock Options (right to buy) → Common StockAcquired 52 380 @ $1,26grant · 2025-08-27
- Director · Stock Option (right to buy) → Common StockAcquired 104 760 @ $1,26grant · 2025-08-27
- Director · Stock Option (right to buy) → Common StockAcquired 157 140 @ $1,26grant · 2025-08-27
- Director · Stock Option (right to buy) → Common StockAcquired 157 140 @ $1,26grant · 2025-08-27
- Director · Stock Option (right to buy) → Common StockAcquired 157 140 @ $1,26grant · 2025-08-27
- Director, 10% owner · Stock Option (right to buy) → Common StockAcquired 104 760 @ $1,26grant · 2025-08-27
Actions
Ask Handelsavisen
— missing data
Data sources
- Market data
- Regulatory filings
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Reference data
How metrics are computed
- Market Priceinput from market-data provider (delayed close or quote-shim mid)
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Return On Assetsnet_income / total_assets
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Ev To Revenueenterprise_value / revenue
- Market Capmarket_price * shares_outstanding_diluted
Source documents
- LM FUNDING AMERICA, INC. company facts · 2026-07-09
- LM FUNDING AMERICA, INC. 10-Q 2026-05-15 · 2026-07-09
- LM FUNDING AMERICA, INC. 10-K 2026-03-31 · 2026-07-09
- LM FUNDING AMERICA, INC. 10-Q 2025-11-14 · 2026-07-09
- LM FUNDING AMERICA, INC. 10-Q 2025-08-14 · 2026-07-09
- 8-K (sec_8k_material) on LMFA · 2026-07-09
- LM Funding America Inc Market data — analyst estimates · 2026-07-09
- LM FUNDING AMERICA, INC. HA canonical relationships · 2026-07-09
Ownership & reference
Top holders
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2025-12-310,00 %$0M
Insider activity
Net buying1 buys · 0 sellsnet $29K1 insiders · last 365d
- Chief Financial Officer · Common StockBought 131 600 @ $0,22$29K · 2026-05-19
Short positioning
383.7Kshares short+80.8% vs prior
1days to cover
27.9%short of daily vol
5.8Kfails-to-deliver
as of 2026-06-15 · short-interest report (free)
Geographic breakdown
— missing data
Listings · one canonical issuer
all listings resolve to the canonical
LMFACanonical
Nasdaq · USD
Intel & risk
peak dispatch · —
OSINT findings
Dilution riskHigh
Liquidity riskHigh
Diluted share count is materially above the basic share count.
Current ratio is close to the minimum comfort range.
Net cash is negative after subtracting total debt.
Source documents mention dilution or offering risk.
Relationship graph
This companyPeerSectorVendorsSubsidiaries
Evidence & claims
From filings & derived data— missing data
The Thread
Everything we know, in order— missing data
Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-07-09
Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data · Reference data
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