LM Funding America Inc (LMFA)
NASDAQ:LMFA
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LMFA Stock Chart & Stats
$0.29
-$0.17(-7.56%)
At close: 4:00 PM EST
$0.29
-$0.17(-7.56%)
Day’s Range― - ―
52-Week Range$0.18 - $5.14
Previous CloseN/A
Volume13.06K
Average Volume (3M)581.24K
Market Cap
$3.28M
Enterprise Value$23.08M
Total Cash (Recent Filing)$836.20K
Total Debt (Recent Filing)$20.41M
Price to Earnings (P/E)―
Beta2.50
Next Earnings
Aug 17, 2026EPS Estimate
-0.14Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)-2.57
Shares Outstanding17,352,282
10 Day Avg. Volume475,451
30 Day Avg. Volume581,237
Financial Highlights & Ratios
PEG Ratio>-0.01
Price to Book (P/B)0.13
Price to Sales (P/S)0.44
P/FCF Ratio-0.24
Enterprise Value/Market Cap7.04
Enterprise Value/Revenue1.91
Enterprise Value/Gross Profit8.46
Enterprise Value/Ebitda-1.15
Forecast
1Y Price Target
$1.00Price Target Upside244.83% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)-0.9
Revenue Forecast (FY)$7.90M
Bulls Say, Bears Say
Bulls Say
Niche Specialty Finance ModelA focused HOA/condominium finance business targets a defined, recurring receivable pool with legal remedies against owners. That spread-based model can generate predictable, contract-backed cash flows as associations repeatedly need liquidity, supporting durable revenue drivers over months.
Conservative Leverage And Equity CushionModest recorded debt and a meaningful equity base provide a solvency buffer and time to execute operational fixes or raise capital without immediate default pressure. This balance-sheet cushion reduces near-term bankruptcy risk and supports strategic flexibility over the next several months.
Access To Incremental Capital Via ATMAn existing $75M ATM facility creates an enduring option to raise equity as needed, improving funding flexibility to support receivables funding or restructure liabilities. Though dilutive if used, the facility materially expands financing alternatives versus relying solely on cash flow.
Bears Say
Large Ongoing Losses And Weak Cash GenerationSustained multi-year losses and persistent negative operating and free cash flow erode equity and increase reliance on external financing. If cash burn persists, the company may face ongoing dilution or higher-cost capital, constraining investment in core operations for months ahead.
Thin Liquidity And Near-term Debt MaturityMinimal cash on hand combined with an imminent loan maturity creates refinancing risk and restricts operational leeway. Over the coming months management may need to refinance, access the ATM, or restructure debt — each raising execution risk and potential dilution or cost.
Significant Exposure To Asset-price VolatilityMaterial sensitivity of reported results and equity to Bitcoin price causes volatile earnings and balance-sheet swings. Such market-linked fair-value adjustments impair predictability of profits and capital, complicating planning and credit discussions over the medium term.
LM Funding America News
LMFA FAQ
What was LM Funding America Inc’s price range in the past 12 months?
LM Funding America Inc lowest stock price was $0.18 and its highest was $5.14 in the past 12 months.
What is LM Funding America Inc’s market cap?
LM Funding America Inc’s market cap is $3.28M.
When is LM Funding America Inc’s upcoming earnings report date?
LM Funding America Inc’s upcoming earnings report date is Aug 17, 2026 which is in 60 days.
How were LM Funding America Inc’s earnings last quarter?
LM Funding America Inc released its earnings results on May 15, 2026. The company reported -$0.47 earnings per share for the quarter, missing the consensus estimate of -$0.22 by -$0.25.
Is LM Funding America Inc overvalued?
According to Wall Street analysts LM Funding America Inc’s price is currently Undervalued.
Does LM Funding America Inc pay dividends?
LM Funding America Inc does not currently pay dividends.
What is LM Funding America Inc’s EPS estimate?
LM Funding America Inc’s EPS estimate is -0.14.
How many shares outstanding does LM Funding America Inc have?
LM Funding America Inc has 17,352,282 shares outstanding.
What happened to LM Funding America Inc’s price movement after its last earnings report?
LM Funding America Inc reported an EPS of -$0.47 in its last earnings report, missing expectations of -$0.22. Following the earnings report the stock price went down -9.804%.
Which hedge fund is a major shareholder of LM Funding America Inc?
Currently, no hedge funds are holding shares in LMFA
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
LM Funding America Inc
LM Funding America, Inc. functions as a specialized financial services provider. The company offers capital to non-profit community associations (referred to as Associations), with a primary focus on Florida, extending its services to Washington, Colorado, and Illinois. This financial assistance is delivered by acquiring the Associations' rights to overdue accounts, specifically those chosen by the Associations themselves, which stem from unpaid member assessments. Furthermore, LM Funding procures these delinquent accounts under diverse, customized terms designed to meet each Association's specific fiscal requirements, notably through its "New Neighbor Guaranty" initiative. Established in 2008, LM Funding America, Inc. maintains its headquarters in Tampa, Florida.
LMFA Company Deck
LMFA Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call emphasizes strong operational progress — record energized hash rate, highest monthly production, successful fleet upgrades, and meaningful post-quarter recovery in the Bitcoin treasury value — while noting the quarter's reported financial performance was materially impacted by Bitcoin price weakness and noncash fair value adjustments. Liquidity and near-term debt maturity are manageable but require monitoring. Seasonal headwinds and industry-driven price volatility present short-term challenges, but management portrays the company as well positioned to benefit if Bitcoin prices recover.View all LMFA earnings summariesLMFA Stock 12 Month Forecast
Average Price Target
$1.00
▲(244.83% Upside)
Technical Analysis
Ownership Overview
2.62% Insiders
0.61% Mutual Funds
6.40% Other Institutional Investors
90.09% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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