LMFA · NASDAQ · Financial - Credit Services

LM Funding America (LMFA)

Mines and holds Bitcoin while financing delinquent community-association assessments.

$2.60
At close+0.51 (+24.40%)
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LM Funding America, Inc.LMFAFinancials

Mines Bitcoin at company-owned power sites in Oklahoma and Mississippi, retains much of the output as treasury assets, and earns additional revenue from energy sales. A smaller Florida specialty-finance operation buys rights to portions of delinquent community-association assessment recoveries.

Mines Bitcoin through US Digital and retains much of the output as a corporate treasury, while selling or pledging holdings when capital is needed. Owned power infrastructure in Oklahoma and Mississippi supports mining hardware, curtailment, and energy sales; management is also preparing those sites for high-performance computing and AI workloads.

Runs a smaller, Florida-only specialty-finance operation that buys community associations' rights to portions of delinquent assessment recoveries. Outside law firms handle collections, with proceeds distributed among the finance subsidiary, counsel, and the association.

Mining economics depend on Bitcoin prices, network difficulty, reliable low-cost electricity, and specialized machines sourced largely from Bitmain. Treasury liquidity is tied directly to Bitcoin values, while association-finance returns depend on account recoveries and collection rules in Florida.

Company facts

CEOBruce Martin Rodgers
ListedDec 17, 2015
ExchangeNASDAQ
HeadquartersTampa, FL
CountryUnited States
Employees16
CIK0001640384
ISINUS5020745031

Market cap$1.8M
EPS (ttm)−$53.00
P/E (ttm)−0.0491
ROE-123.4%
P/B0.1318
P/S0.2115
Dividend yieldDiv yield
Beta2.84vs XLF 0.76

No analyst consensus on record.

EPSReportedEstimate

May '25Aug '25Aug '25Nov '25Nov '25Mar '26Mar '26May '26
Reported−$1.05$0.50$0.02−$0.41−$0.49−$1.33−$1.33−$11.75
Estimate−$0.65−$13.00−$0.52−$12.25−$0.49−$0.35−$0.35−$7.75
Surprise−61.5%+103.8%+103.8%+96.7%0.0%−280.0%−280.0%−51.6%

RevenueReportedEstimate

May '25Aug '25Aug '25Nov '25Nov '25Mar '26Mar '26May '26
Reported$2.4M$1.9M$1.9M$2.2M$1.9M$2.4M$2.4M$2.1M
Estimate$2.9M$2.0M$2.5M$2.5M$2.5M$2.8M$2.8M$3.0M
Surprise−16.8%−3.6%−22.9%−12.9%−22.3%−15.5%−15.5%−29.7%
Estimate−$7.75
Reported−$11.75−51.6%
Estimate$3.0M
Reported$2.1M−29.7%
View details

Debt to equity2.40%
Current ratio57.70%

ProfitabilityRevenueNet incomeNet margin

Q3 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26
Revenue$1.1M$6.1M$607.4K$5.7M$1.9M$2.4M$2.1M$2.1M
Net income−$4.7M$2.0M−$5.4M$100.6K−$4.1M−$17.9M−$10.1M−$4.6M
Net margin0.0%32.3%0.0%1.8%0.0%0.0%0.0%0.0%

GrowthOperating income

Q3 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26
Operating income−$4.8M$1.9M−$5.4M$60.5K−$3.5M−$11.9M−$9.6M−$3.9M
YoY growth−329.7%−726.7%−6,472.1%

Balance sheet, Jun 30, 2026Cash & short-term investments $896.9K · Total debt $412.0K · Total assets $37.1M · Shareholders' equity $17.3M

Revenue
$2.1M
Operating income
−$3.9M
Net income
−$4.6M
View details

No dividends on record.

Insiders3 holders · as of May 20, 20261.58%11.0K shares
Otherremainder98.42%683.3K shares

694.3K company shares as of Jul 29, 2026 · holders as of their latest filing

Two share counts disagree (1.79M in the company's Sep 3, 2026 report, 694.3K elsewhere); stakes use the report.

Top shareholders13F · 13D/G · Form 4

HolderStakeSharesEvidence
Richard D. RussellInsiderofficer: Chief Financial Officer
1.41%9,766Form 4filed May 20, 2026
Andrew L. GrahamInsiderdirector
0.10%692Form 4filed Nov 19, 2024
Ryan H. DuranInsiderofficer: Vice President of Operations
0.07%513Form 4filed Dec 19, 2024
Armistice Capital, LLCStrategic
9.99% of class, as filed13Gfiled May 15, 2026
Ault Capital Group, Inc.Strategic
7.30% of class, as filed13Dfiled Nov 21, 2025
See all 25

13D/13G — an ownership statement filed at 5% or more · Form 4 — an insider's transaction report

Insider tradesForm 4

DateInsiderRoleSharesAvg price
May 19, 2026Richard D. Russellofficer: Chief Financial Officer+131,600$0.2220
View details

Not reported.