LMFA

LM FUNDING AMERICA, INC.

Financial Services

Capital Markets

Mkt cap: $3.5M

LM FUNDING AMERICA, INC is a Financial Services company operating in Capital Markets with a $3.5M market cap.

LMFA missed consensus EPS by 1.0% in Q1 FY2026, reported May 14, 2026.

15 earnings calls indexed on Spoken Alpha.

Behavioral analysis

Management language signature

Disclosures

Investor Relations

Confidence: 0.73

www.lmfunding.com/investors

Extracted from SEC 10-K filing, 2026-06-21.

Transcripts

Recent earnings calls

Most recent calls indexed for this ticker. Open any call to drill into prepared remarks and Q&A.

All 15 calls

History

Earnings history

20 quarters

Q1 FY20262026-05-14
EPS$-0.47 vs $-0.22
-100.0%
Rev$2.1M vs —
—
EODHD
Q4 FY20252026-03-26
EPS$-1.33 vs $-0.35
-100.0%
Rev$2.4M vs —
—
EODHD
Q3 FY20252025-11-13
EPS$-0.41

Track Record

Sample

Spoken Alpha tracks LMFA's historical accountability: how often management beat consensus, how the stock reacted, and how guidance evolved across the cycle. The figures below are illustrative placeholder data generated for layout — they will be replaced with real deviation metrics, True Consensus values, and EODHD price reactions as those data layers land.

Beat rate

10/10

100%

Positive 1D reaction

4/10

40%

Avg 1D reaction

-1.3%

vs sector median

-1.6%

Financial Services

Beats consensus 10/10 quarters but stock falls 60% of the time

Sample

Top executives

Sample

Spoken Alpha builds an accountability record per executive — how the person's own guidance, language, and reactions have evolved across every call they've appeared on. The one-liners below are illustrative placeholder data pending the deviation v1 work. Click any name for the full role timeline and call appearance history.

Peers

Sector peers tracked by Spoken Alpha. Each links to the same machine-readable IR surface — earnings calls, executives, and accountability scores.

API

For developers and AI agents

The same data on this page is available as a machine-readable feed via the Spoken Alpha API. One call returns the IR URL, recent transcripts, and accountability scores for LMFA.

$ curl https://api.spokenalpha.com/v1/companies/LMFA

Get an API key API docs

FAQ

Frequently asked about LMFA

Where can I find LM FUNDING AMERICA, INC.'s (LMFA) earnings call transcripts?

Spoken Alpha indexes LMFA's earnings call transcripts at https://spokenalpha.com/companies/LMFA. Each call links to attributed speakers and parsed analyst Q&A. LM FUNDING AMERICA, INC.'s own investor relations page is at https://www.lmfunding.com/investors.

When was LM FUNDING AMERICA, INC.'s most recent earnings call?

LM FUNDING AMERICA, INC. (LMFA) held its most recent earnings call on 2026-05-15, covering fiscal Q1 2026.

What sector is LMFA in?

LM FUNDING AMERICA, INC. (LMFA) operates in the Financial Services sector (Capital Markets industry).

Q3 FY2025

Earnings

2025-11-146 Q&A exchanges

Q2 FY20252025-08-13

EPS$0.02 vs $-0.65

+100.0%

Rev$5.7M vs —

—

EODHD

Q1 FY20252025-05-13

EPS$-0.86 vs $-0.74

-15.7%

Rev$607.4K vs —

—

EODHD

Q4 FY20242025-03-30

EPS$-0.73 vs $-1.67

+56.1%

Rev$6.1M vs —

—

EODHD

Q3 FY20242024-11-12

EPS$-2.18 vs $-1.25

-74.6%

Rev$1.1M vs —

—

EODHD

Q2 FY20242024-08-12

EPS$-2.44 vs $-0.85

-100.0%

Rev$3.2M vs —

—

EODHD

Q1 FY20242024-05-14

EPS$0.61 vs $-0.57

+100.0%

Rev$10.4M vs —

—

EODHD

Q4 FY20232024-01-31

EPS$-0.67 vs $-1.20

+44.2%

Rev$5.4M vs —

—

EODHD

Q3 FY20232023-11-13

EPS$-0.33 vs $-0.35

+5.7%

Rev$2.9M vs —

—

EODHD

Q2 FY20232023-08-13

EPS$-0.35 vs $-0.43

+18.6%

Rev$303.9K vs —

—

EODHD

Q1 FY20232023-05-14

EPS$-0.41 vs $-0.48

+14.6%

Rev$-2.4M vs —

—

EODHD

Q4 FY20222023-03-30

EPS$-1.51 vs $-0.45

-100.0%

Rev$-6.5M vs —

—

EODHD

Q3 FY20222022-11-16

EPS$-0.51 vs $-0.30

-70.0%

Rev$62.3K vs —

—

EODHD

Q2 FY20222022-08-16

EPS$0.22 vs $-0.30

+100.0%

Rev$12.6M vs —

—

EODHD

Q1 FY20222022-05-15

EPS$-0.44 vs —

—

Rev$-794.2K vs —

—

EODHD

Q4 FY20212022-03-30

EPS$-0.46 vs —

—

Rev$-1.1M vs —

—

EODHD

Q3 FY20212021-11-14

EPS$-1.01 vs —

—

Rev$-3.1M vs —

—

EODHD

Q2 FY20212021-08-15

EPS$2.05 vs —

—

Rev$11.9M vs —

—

EODHD

Period	Reported	EPS actual	EPS consensus	EPS surprise	Revenue actual	Revenue consensus	Rev. surprise	Source
Q1 FY2026	2026-05-14	$-0.47	$-0.22	-100.0%	$2.1M	—	—	EODHD
Q4 FY2025	2026-03-26	$-1.33	$-0.35	-100.0%	$2.4M	—	—	EODHD
Q3 FY2025	2025-11-13	$-0.41	$-0.74	+44.6%	$1.9M	—	—	EODHD
Q2 FY2025	2025-08-13	$0.02	$-0.65	+100.0%	$5.7M	—	—	EODHD
Q1 FY2025	2025-05-13	$-0.86	$-0.74	-15.7%	$607.4K	—	—	EODHD
Q4 FY2024	2025-03-30	$-0.73	$-1.67	+56.1%	$6.1M	—	—	EODHD
Q3 FY2024	2024-11-12	$-2.18	$-1.25	-74.6%	$1.1M	—	—	EODHD
Q2 FY2024	2024-08-12	$-2.44	$-0.85	-100.0%	$3.2M	—	—	EODHD
Q1 FY2024	2024-05-14	$0.61	$-0.57	+100.0%	$10.4M	—	—	EODHD
Q4 FY2023	2024-01-31	$-0.67	$-1.20	+44.2%	$5.4M	—	—	EODHD
Q3 FY2023	2023-11-13	$-0.33	$-0.35	+5.7%	$2.9M	—	—	EODHD
Q2 FY2023	2023-08-13	$-0.35	$-0.43	+18.6%	$303.9K	—	—	EODHD
Q1 FY2023	2023-05-14	$-0.41	$-0.48	+14.6%	$-2.4M	—	—	EODHD
Q4 FY2022	2023-03-30	$-1.51	$-0.45	-100.0%	$-6.5M	—	—	EODHD
Q3 FY2022	2022-11-16	$-0.51	$-0.30	-70.0%	$62.3K	—	—	EODHD
Q2 FY2022	2022-08-16	$0.22	$-0.30	+100.0%	$12.6M	—	—	EODHD
Q1 FY2022	2022-05-15	$-0.44	—	—	$-794.2K	—	—	EODHD
Q4 FY2021	2022-03-30	$-0.46	—	—	$-1.1M	—	—	EODHD
Q3 FY2021	2021-11-14	$-1.01	—	—	$-3.1M	—	—	EODHD
Q2 FY2021	2021-08-15	$2.05	—	—	$11.9M	—	—	EODHD

Source: EODHD. LMFA reported actuals as published; sparse fields render as —.

When a company consistently beats but the stock doesn't react, consensus is usually set too low or the buy-side number is materially above sell-side. Watch for guidance walk-downs ahead of the print.

Raised guidance 6 quarters in a row

Sample

Consecutive raises tighten the bar quarter over quarter. Watch the most recent print for the magnitude of the beat — a smaller beat against a higher bar is the early signal that the regime is breaking.

Quarterly beats & misses

Sample

Q1 FY2026

$2.75 vs $2.45

+12.4%

1D +0.5%

Q4 FY2026

$2.65 vs $2.38

+11.2%

1D +3.6%

Q3 FY2026

$2.83 vs $2.51

+12.8%

1D -3.3%

Q2 FY2026

$2.76 vs $2.46

+12.0%

1D -6.1%

Q1 FY2025

$2.80 vs $2.46

+13.8%

1D -1.6%

Q4 FY2025

$2.77 vs $2.54

+9.2%

1D -2.9%

Q3 FY2025

$2.54 vs $2.45

+3.5%

1D -4.9%

Q2 FY2025

$2.66 vs $2.41

+10.5%

1D -2.0%

Q1 FY2024

$2.77 vs $2.42

+14.4%

1D +0.7%

Q4 FY2024

$2.79 vs $2.41

+15.8%

1D +3.2%

Quarter	Actual EPS	Consensus	Surprise	1D	5D
Q1 FY2026	$2.75	$2.45	+12.4%	+0.5%	+0.8%
Q4 FY2026	$2.65	$2.38	+11.2%	+3.6%	+3.3%
Q3 FY2026	$2.83	$2.51	+12.8%	-3.3%	-1.4%
Q2 FY2026	$2.76	$2.46	+12.0%	-6.1%	-3.2%
Q1 FY2025	$2.80	$2.46	+13.8%	-1.6%	-3.3%

Guidance change history

Sample

Q1 FY2026
Raised
2026-04-15
Q4 FY2026
Raised
2026-13-15
Q3 FY2026
Raised
2026-10-15
Q2 FY2026
Raised
2026-07-15
Q1 FY2025
Raised
2025-04-15
Q4 FY2025
Raised
2025-13-15
Q3 FY2025
Maintained
2025-10-15
Q2 FY2025
Raised
2025-07-15

CFO since 2024 • 5/8 beats (63%) • guidance suspended Q2 FY2026

Overview

Management language signature

Investor Relations

Recent earnings calls

Earnings history

Track Record

Top executives

Other companies in Financial Services

For developers and AI agents

Frequently asked about LMFA

Quarterly beats & misses

Guidance change history