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LMFALM Funding America, Inc.
$0.15$3M
Overview & Verdict
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LMFA logoLM Funding America, Inc.(LMFA)Earnings, Financials & Key Ratios

LMFA•NASDAQ
$0.15
Price updated Jul 7, 2026
SectorFinancial ServicesIndustryCredit ServicesSub-IndustryDebt Collection and Collateral Lending
AboutLM Funding America, Inc. operates as a specialty finance company. It provides funding to nonprofit community associations (Associations) primarily located in the state of Florida, as well as in the states of Washington, Colorado, and Illinois. The company offers funding to Associations by purchasing their rights under delinquent accounts that are selected by the Associations arising from unpaid Association assessments. It is also involved in the business of purchasing delinquent accounts on various terms tailored to suit each Association's financial needs, including under its New Neighbor Guaranty program. LM Funding America, Inc. was founded in 2008 and is based in Tampa, Florida.Show more
  • EBITDA-$10M-858.6%
  • Net Income-$27M-268.0%
  • EPS (Diluted)-3.28-25.7%
  • Gross Margin-146.11%-500.9%
  • EBITDA Margin-113.25%-1049.0%
  • Operating Margin-206.19%-251.0%
  • Net Margin-306.19%-360.4%
  • ROE-83.84%-302.3%

LMFA Price & Volume

LM Funding America, Inc. (LMFA) stock price & volume — 10-year historical chart

Loading chart...

Operational Pivot Triggers Severe Financial Liquidity Crisis

Investment Thesis • Updated 2026Q1

VerdictNegative
Growth:Mixed
Profitability:Negative
Financial:Vulnerable
Cash Flow:Burning
Primary Risk:Imminent liquidity and insolvency

Key Thesis Takeaways

  • LM Funding America is currently navigating a precarious transition from specialty finance to digital asset mining, a shift that has resulted in extreme revenue volatility and persistent net losses.
  • The company's fundamental outlook is clouded by an inability to achieve operational scale, as evidenced by deep margin compression and a reliance on external capital to fund ongoing operations.
  • Investors should remain cautious given the rapid erosion of the asset base and the potential for further dilutive financing to address the company's critical liquidity shortfall.

Verdict Logic

the company's current ratio of 0.71 and persistent quarterly cash burn rates exceeding $3M suggest an imminent risk of insolvency that outweighs potential upside from its digital asset strategy.

LMFA Growth Metrics

LM Funding America, Inc. (LMFA) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years2.36%
5 Years46.71%
3 Years11.07%
TTM-

Profit CAGR

10 Years-
5 Years-
3 Years-
TTM-132.82%

EPS CAGR

10 Years-
5 Years-
3 Years-
TTM50.57%

Return on Capital

10 Years-37.11%
5 Years-27.4%
3 Years-35.25%
Last Year-47.91%

Latest LMFA News

Recent stock market news and headlines for LM Funding America, Inc. (LMFA)

GlobeNewsWire·Jun 23, 2026
LM Funding America Announces Strategic Expansion into High-Performance Computing and AI Infrastructure

Company Orders Initial AI GPU Hardware, Markets Available Power Capacity to AI Customers, and Sees Potential $20M–$50M Annual Revenue Opportunity Assuming Full Buildout Company Orders Initial AI GPU Hardware, Markets Available Power Capacity to AI Customers, and Sees Potential $20M–$50M Annual Revenue Opportunity Assuming Full Buildout

Peers Comparison

Key metrics vs top competitors for LM Funding America, Inc. (LMFA)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
LMFA logoLMFALM Funding America, Inc.Current
$0.15$2.58M-0.05-20.07%-306.19%-83.84%—
MARA logoMARAMarathon Digital Holdings, Inc.
$12.05$4.59B-3.2738.2%-234.83%-51.65%—
RIOT logoRIOTRiot Platforms, Inc.
$21.17$8.03B-10.8671.89%-132.76%-28.78%—
CLSK logoCLSKCleanSpark, Inc.
$12.48$3.2B11.14102.21%-67.66%-29.93%—
CIFR logoCIFRCipher Mining Inc.
$20.47$8.31B-9.5248.04%-512.96%-115.53%—
IREN logoIRENIREN Limited
$39.82$14.21B102.09167.65%31.71%9.12%—

Compare LMFA vs Peers

LM Funding America, Inc. (LMFA) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs MARA

Most directly comparable listed peer for LMFA.

Scale Benchmark

vs NVDA

Larger-name benchmark to compare LMFA against a more recognizable public peer.

Peer Set

Compare Top 5

vs MARA, RIOT, CLSK, CIFR

LMFA SEC Filings & Documents

LM Funding America, Inc. (LMFA) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 15, 2026·SEC

Material company update

May 11, 2026·SEC

Material company update

Apr 13, 2026·SEC

10-K Annual Reports

2
FY 2026

Mar 31, 2026·SEC

FY 2025

Mar 31, 2025·SEC

10-Q Quarterly Reports

4
FY 2026

May 15, 2026·SEC

FY 2025

Nov 14, 2025·SEC

FY 2025

Aug 14, 2025·SEC

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LMFA Frequently Asked Questions

LM Funding America, Inc. (LMFA) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
What is LM Funding America, Inc.'s revenue?

LM Funding America, Inc. (LMFA) reported $12.1M in revenue for fiscal year 2025.

How fast is LM Funding America, Inc. growing?

LM Funding America, Inc. (LMFA) saw revenue decline by 20.1% over the past year.

Is LMFA profitable?

LM Funding America, Inc. (LMFA) reported a net loss of $32.0M for fiscal year 2025.

Dividend & Returns
What is LMFA's return on equity?

LM Funding America, Inc. (LMFA) has a return on equity (ROE) of -83.8%. Negative ROE indicates the company is unprofitable.

What is LM Funding America, Inc.'s free cash flow?

LM Funding America, Inc. (LMFA) had negative free cash flow of $16.1M in fiscal year 2025, likely due to heavy capital investments.

What if you invested $1,000 in LMFA back in 2013?

Total return calculator · dividends reinvested · 13+ years of data

See returns →