What is the 13F Pro Quality Score for LMFA?

13F Pro ranks LM FUNDING AMERICA, INC. (LMFA) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View LMFA's current score at https://13fpro.ai/research/LMFA (free sign-up required for the full ranking).

Which hedge funds own the most LMFA stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of LMFA include ARMISTICE CAPITAL,, GEODE CAPITAL MANAGEMENT,, JANE STREET GROUP,. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/LMFA as soon as new 13F filings post.

Where does 13F Pro source LMFA data?

All LM FUNDING AMERICA, INC. fundamentals and ownership data come directly from SEC EDGAR. LM FUNDING AMERICA, INC. files with the SEC under CIK 1640384. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is LMFA in?

LM FUNDING AMERICA, INC. (LMFA) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is LMFA research updated on 13F Pro?

LMFA's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

LM FUNDING AMERICA, INC.(LMFA)Stock Analysis

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13F Pro Quality Score

Not in ranked universe

Below size threshold

Quality rankings require at least $50M annual revenue or $250M total assets to filter out micro-caps and shell companies. This company reported $13.0M in revenue.

Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.

LMFA Stock Analysis & AI Quality Score

AI stock analysis and institutional research for LM FUNDING AMERICA, INC. (LMFA), a Financials sector company. LMFA is not currently included in 13F Pro's AI-ranked quality universe — quality rankings require at least $50m annual revenue or $250m total assets to filter out micro-caps and shell companies. this company reported $13.0m in revenue. Based on the latest XBRL financial filings (Q1 2026), LM FUNDING AMERICA, INC. reports quarterly revenue of $2.1M, net income of $-10.1M, free cash flow of $-3.5M. Top institutional holders of LMFA by reported 13-F value include ARMISTICE CAPITAL,, GEODE CAPITAL MANAGEMENT,, JANE STREET GROUP,, based on the most recent SEC filings. LMFA trades on the Nasdaq exchange and files with the SEC under CIK 1640384. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate LMFA daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for LM FUNDING AMERICA, INC. directly from SEC EDGAR.

Revenue

Q1 2026

$2.1M

Net Income

Q1 2026

$-10.1M

Free Cash Flow

Q1 2026

$-3.5M

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

-31.9% YoY

$8.8MFY 2025

FY20 $1.3MFY22 $1.7MFY23 $13.0MFY25 $8.8M

Net Income

-68.8% YoY

$-26.9MFY 2025

FY20 $-4.0MFY22 $-29.2MFY23 $-15.9MFY25 $-26.9M

Operating Income

-127.2% YoY

$-22.9MFY 2025

FY20 $-4.1MFY22 $-24.7MFY23 $-10.1MFY25 $-22.9M

EPS (Diluted)

-41.0% YoY

$-3.28FY 2025

FY20 $-2.49FY22 $-4.37FY23 $-2.33FY25 $-3.28

Total Assets

+36.1% YoY

$51.3MFY 2025

FY20 $12.3MFY22 $53.2MFY23 $37.7MFY25 $51.3M

Total Debt

+1134.5% YoY

$7.0MFY 2025

FY20 $282.0KFY22 $475.8KFY23 $567.6KFY25 $7.0M

Op. Cash Flow

-310.8% YoY

$-14.0MFY 2025

FY20 $-3.5MFY22 $-9.1MFY23 $-3.4MFY25 $-14.0M

Metric	FY 2025	FY 2023	FY 2022	FY 2020	FY 2019	FY 2017
Revenue	$8.8M -31.9%	$13.0M +648.8%	$1.7M +37.2%	$1.3M -47.0%	$2.4M -45.7%	$4.4M
Net Income	$-26.9M -68.8%	$-15.9M +45.5%	$-29.2M -623.5%	$-4.0M -34.5%	$-3.0M +65.2%	$-8.6M
Operating Income	$-22.9M -127.2%	$-10.1M +59.2%	$-24.7M -509.0%	$-4.1M -35.8%	$-3.0M +14.1%	$-3.5M
EPS (Diluted)	$-3.28 -41.0%	$-2.33 +46.7%	$-4.37 -75.4%	$-2.49 -298.3%	$-0.63 +62.6%	$-1.67
Total Assets	$51.3M +36.1%	$37.7M -29.1%	$53.2M +331.8%	$12.3M +61.2%	$7.6M +288.2%	$2.0M
Total Debt	$7.0M +1134.5%	$567.6K +19.3%	$475.8K +68.7%	$282.0K -52.0%	$587.1K +1404.4%	$39.0K
Operating Cash Flow	$-14.0M -310.8%	$-3.4M +62.7%	$-9.1M -159.3%	$-3.5M -203.6%	$-1.2M +35.9%	$-1.8M

AI Insight: LMFA Financial Trends

LMFA faces deepening losses and balance-sheet deterioration, with Q1 2026 equity down 32% from Q3 2025 peak amid persistent negative cash flow.

• Revenue flat at $2M for four consecutive quarters (Q2 2025–Q1 2026), indicating stalled top-line growth.

• Net losses widened to $18M in Q4 2025, then $10M in Q1 2026, versus breakeven/minor loss in prior-year period.

• Operating cash flow negative every quarter shown; Q4 2025 reached worst level at $-5M.

⚠ Equity collapsed 58% from $50M (Q3 2025) to $21M (Q1 2026); debt stable at $7M raises solvency risk.

⚠ Operating income swung from +$2M (Q4 2024) to $-6M (Q1 2026), signaling sustained operational distress.

AI Insight: LMFA Ratio Trends

LMFA has deteriorated sharply: TTM ROE collapsed to -151.9%, ROIC sank to -87.7%, and leverage nearly doubled from Q2 2025 to Q1 2026.

• Operating margin swung wildly: +109.6% in Q4 2024, but -161.5% in Q3 2025 and blank in Q4 2025/Q1 2026, indicating severe profitability instability.

• Return metrics collapsed: ROE fell from +6.9% in Q4 2024 to -194.3% in Q1 2026; ROIC swung from +23.3% to -93.1% over same period.

• Debt-to-equity ratio tripled from 0.05 in Q2–Q3 2024 to 0.33 in Q1 2026, signaling rising financial stress amid deteriorating returns.

⚠ Q2 2025 showed modest profitability (OpMargin +22%, NPM +5.2%), but immediately reversed into large losses Q3–Q1 2026—underlying business model viability unclear.

⚠ TTM ROA of -75.8% indicates severe asset inefficiency; cash generation and core operations appear broken as of latest period.

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Available Research

13F Pro tracks comprehensive data for LM FUNDING AMERICA, INC. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of LMFA

ARMISTICE CAPITAL, LLC
$274.3K1,097,153 sh
GEODE CAPITAL MANAGEMENT, LLC
$63.6K254,381 sh
JANE STREET GROUP, LLC
$37.9K151,769 sh
XTX Topco Ltd
$14.5K57,874 sh
CITADEL ADVISORS LLC
$12.5K50,146 sh
VANGUARD CAPITAL MANAGEMENT LLC
$12.1K48,272 sh
TWO SIGMA SECURITIES, LLC
$9.1K36,593 sh
VANGUARD FIDUCIARY TRUST CO
$7.3K29,011 sh
StoneX Group Inc.
$3.5K13,877 sh
Tower Research Capital LLC (TRC)
$625.002,501 sh

Fund	Value	Shares
ARMISTICE CAPITAL, LLC	$274.3K	1,097,153
GEODE CAPITAL MANAGEMENT, LLC	$63.6K	254,381
JANE STREET GROUP, LLC	$37.9K	151,769
XTX Topco Ltd	$14.5K	57,874
CITADEL ADVISORS LLC	$12.5K	50,146
VANGUARD CAPITAL MANAGEMENT LLC	$12.1K	48,272
TWO SIGMA SECURITIES, LLC	$9.1K	36,593
VANGUARD FIDUCIARY TRUST CO	$7.3K	29,011
StoneX Group Inc.	$3.5K	13,877
Tower Research Capital LLC (TRC)	$625.00	2,501

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Is LMFA a good stock to buy?

13F Pro's AI-powered analysis of LM FUNDING AMERICA, INC. (LMFA) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for LMFA are available on the LMFA stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own LMFA?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling LMFA. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of LM FUNDING AMERICA, INC.'s investment landscape.