8-K ·Filed Apr 13, 2026
8-K Item 2.02: Earnings release
Actionable Insight ▼ Bearish
The massive EPS miss, combined with a large capital raise on a tiny market cap, signals severe underlying financial distress. Traders should be wary of further dilution or negative stock price reaction.
Final — all horizons settled through T+60d ⚠ clustered
LMFA ▼ -46.22% at T+60d
SHORT call ✓ call won +46.22% · α vs SPY +55.15% · entry $0.2780 → $0.1495
T+1d
+3.60%
call -3.60% · α -2.39%
$0.2880
settled 7mo ago
T+5d
+2.88%
call -2.88% · α +0.42%
$0.2860
settled 6mo ago
T+20d
-17.27%
call +17.27% · α +24.99%
$0.2300
settled 6mo ago
T+60d
-46.22%
call +46.22% · α +55.15%
$0.1495
settled 4mo ago
Price Chart
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Executive Summary
LM Funding America reported a significant loss for Q4 2025, missing analyst expectations by a wide margin on both EPS and revenue. This follows a recent $75M at-the-market offering, suggesting financial distress rather than opportunistic capital raising.
Key Financial Metrics
EPS
−$1.33
est −$0.22 · -504.5%
Revenue
$2.1M
est $2.1M · 0.0%
Rating
strong miss
Key Facts
- Q4 2025 EPS: $-1.33 (consensus: $-0.22), a 504.5% miss
- Q4 2025 Revenue: $2.1M (consensus: $2.1M), in line
- Company recently filed for a $75M at-the-market offering
- Market cap is only $5M, indicating severe valuation disconnect or distress
Financial Impact
EPS miss of $1.11 on a $5M market cap company
epsrevenue
Risk Factors
- High risk of further dilution from the $75M ATM offering
- Severe operational inefficiency indicated by the large loss
- Potential for delisting due to low market cap and poor performance
Market Snapshot
Exchange
Nasdaq
Sector
Finance Services
Investment Themes
Traditional Finance
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001193125-26-152043 |
| Document: lmfa-ex99_1.htm | 0001193125-26-152043 |
| Document: 0001193125-26-152043-index-headers.html | 0001193125-26-152043 |
| Document: 0001193125-26-152043-index.html | 0001193125-26-152043 |
| Document: 0001193125-26-152043.txt | 0001193125-26-152043 |
| 8-K Data (Synthetic) | 0001193125-26-152043 |
11 reports for LMFA
100% Hit rate @ T+20 Went positive at some point 4 of 5 best @ T+60▲ +46.22%
Filters
Rows
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 21, 2026 6d ago | DEF 14A | — | awaiting T+20 | — | — |
Oct 8, 2026 19d ago | 8-K | — | awaiting T+20 | — | — |
Jul 10, 2026 15w ago | 8-K | $0.1321 | awaiting T+20 | — | — |
Jul 8, 2026 15w ago | 8-K | $0.1495 | awaiting T+20 | — | — |
May 27, 2026 21w ago | 8-K | $0.2520 $0.1490 | ▼ −40.87% | ▼ −37.73% | — |
May 15, 2026 23w ago | 8-K | $0.2310 $0.2070 | ▲ +10.39% | ▲ +12.51% | — |
May 15, 2026 23w ago | Press Release | $0.2310 $0.2070 | ▲ +10.39% | ▲ +12.51% | — |
May 11, 2026 24w ago | 8-K | $0.2300 $0.2180 | ▲ +5.22% | ▲ +4.91% | — |
Apr 13, 2026 28w ago | 8-K | $0.2780 $0.2300 | ▲ +17.27% | ▲ +24.99% | — |
Apr 13, 2026 28w ago | Press Release | $0.2780 $0.2300 | ▲ +17.27% | ▲ +24.99% | — |
Showing 10 of 11
US Market Status
Market Closed — Opens Wed (< 1m)
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