LM Funding America (NASDAQ:LMFA) Announces Quarterly Earnings Results, Misses Expectations By $0.16 EPS

LM Funding America (NASDAQ:LMFA) posted its quarterly earnings data on Friday. The financial services provider reported ($0.47) earnings per share for the quarter, missing the consensus estimate of ($0.31) by ($0.16), FiscalAI reports. The company had revenue of $2.11 million during the quarter, compared to analyst estimates of $3.00 million. LM Funding America had a negative return on equity of 80.72% and a negative net margin of 304.39%.

Here are the key takeaways from LM Funding America’s conference call:

• LM Funding said it mined 26.1 Bitcoin in Q1 2026, up 19% sequentially, as energized hash rate reached a company-record 790 petahash and March output hit a record 9.6 Bitcoin.
• Revenue was about $2.1 million, down year over year due to a lower Bitcoin price, while mining margin held relatively steady at 24.1% helped by curtailment and energy sales.
• The company reported a $10.1 million net loss and an $8.4 million core EBITDA loss, driven largely by a $7 million non-cash fair value adjustment tied to the decline in Bitcoin prices during the quarter.
• Management emphasized that the company’s Bitcoin treasury recovered significantly after quarter-end, rising to an estimated $27.3 million by May 11, while also noting the shares still trade at a discount to the value of its Bitcoin holdings.
• LM Funding extended the maturity of its Galaxy Digital facility to June 26, 2026, giving it more flexibility as it evaluates settlement options and future capital structure moves.

LM Funding America Price Performance

NASDAQ LMFA traded down $0.02 on Friday, reaching $0.23. The company’s stock had a trading volume of 450,442 shares, compared to its average volume of 499,648. LM Funding America has a twelve month low of $0.18 and a twelve month high of $5.14. The company has a debt-to-equity ratio of 0.07, a quick ratio of 1.18 and a current ratio of 1.18. The stock has a market cap of $3.74 million, a PE ratio of -0.08 and a beta of 2.33. The firm’s 50 day moving average is $0.29 and its two-hundred day moving average is $0.51.

Institutional Trading of LM Funding America

Several institutional investors and hedge funds have recently bought and sold shares of LMFA. XTX Topco Ltd acquired a new stake in LM Funding America during the 2nd quarter worth about $54,000. Jane Street Group LLC raised its holdings in LM Funding America by 782.6% during the 4th quarter. Jane Street Group LLC now owns 124,390 shares of the financial services provider’s stock worth $55,000 after buying an additional 110,297 shares during the period. Two Sigma Investments LP acquired a new stake in LM Funding America during the 3rd quarter worth about $100,000. Citadel Advisors LLC acquired a new stake in LM Funding America during the 3rd quarter worth about $139,000. Finally, Armistice Capital LLC raised its holdings in LM Funding America by 40.5% during the 4th quarter. Armistice Capital LLC now owns 527,611 shares of the financial services provider’s stock worth $234,000 after buying an additional 152,171 shares during the period. Institutional investors and hedge funds own 22.73% of the company’s stock.

Analyst Upgrades and Downgrades

Separately, Weiss Ratings reissued a “sell (e+)” rating on shares of LM Funding America in a report on Friday, March 27th. One analyst has rated the stock with a Buy rating and one has assigned a Sell rating to the stock. According to MarketBeat, the company has a consensus rating of “Hold” and an average price target of $5.00.

About LM Funding America

LM Funding America, Inc, headquartered in Miami, Florida, is a specialty finance company that provides retail installment contracts to subprime borrowers. The company originates, acquires, and manages motor vehicle retail financing through a network of franchised and independent automobile dealerships across the United States. LM Funding America holds and services its loan portfolio through its wholly owned subsidiary, LM Funding America Service Corp., and offers floorplan financing to new and used vehicle dealers through LM Funding Floorplan LLC.

Established in 2013, LM Funding America completed its initial public offering on the Nasdaq Stock Market in 2015, enabling the company to expand its lending operations and geographic presence.