LM FUNDING AMERICA INC (LMFA)
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
$1.960.00%
Close 2026-07-28 · 1-day change
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
QuarterlyIQ Insights · LMFA
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 20.6% |
| Our one-year growth estimate | diamond | 12.3% |
Growth built into the price is above our model estimate.
The price assumes 8.4 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Elevated risk of a next-quarter earnings miss: this name is a smaller-cap name (higher miss base rate) and has been missing across recent quarters. A fundamental tilt, not a price call.
Model as of 2026-09-04 · Compared with 38 industry peers · Company calendar date is not available
LMFA — capital allocation — Creation of a Direct Financial Obligation
Dated 2026-08-28
Creation of a Direct Financial Obligation On August 25, 2026, PowerCompute, Inc. (the “Company”), through its wholly owned subsidiary US Digital Mining and Hosting Co, LLC (the “Borrower”), entered into a new loan facility (the “Loan Facility”) with ChainFi Inc. d/b/a/ Arch Lending (“Arch”) pursuant to which Arch made available to the Borrower a new non-recourse, collared, 30-day loan secured by the Borrower’s Bitcoin (a "Collar Loan"). On August 25, 2026, the Borrower borrowed an aggregate o…
Why it matters: The name change shows a new strategy. This could change how investors see the company.
Supportive ifThe market reacted positively after the name change on July 22, 2026. Trading volume also increased.
Worry ifA negative market reaction or low trading volume after the name change shows weak investor trust.
Why it matters: The name change reflects a strategic shift that could attract new investors and clients.
Supportive ifThe company changed its name and now uses the ticker PWCM. There are no problems.
Worry ifThe rebranding has big challenges. These could be from operations or the market.
Why it matters: Resolving the compliance issue is critical for maintaining the Nasdaq listing. This affects investor trust.
Supportive ifThe company confirms it meets the minimum bid price requirements.
Worry ifThe company fails to meet minimum bid price for another 30 consecutive days.
Why it matters: Finalizing the loan extension helps with cash flow and stability in a tough market.
Supportive ifThe Galaxy Digital loan extension will be done by June 26, 2026.
Worry ifNot finalizing the loan extension shows possible cash flow problems.
Why it matters: More production shows good mining work. It also means more money can be made.
Supportive ifQ2 2026 Bitcoin production exceeds 26.1 BTC from Q1 2026.
Worry ifQ2 2026 Bitcoin production falls below 26.1 BTC from Q1 2026.
Why it matters: The Bridge Loan may change cash flow and how the company operates. This could affect growth.
Watch forThe company reports better cash flow or less debt because of the Bridge Loan.
Also watch forThe company reports more financial stress or cash flow problems after the Bridge Loan.
Why it matters: Compliance with Nasdaq is crucial for the company's future. Updates will clarify the company's standing.
Watch forManagement gives a clear update on Nasdaq compliance in Q2 earnings.
Also watch forNo update on Nasdaq compliance in Q2 earnings. This shows ongoing problems.
Why it matters: The loan's use will show how well the company manages its capital and finances.
Watch forThe company paid back its loans. This was done using money from the bridge loan.
Also watch forThe company struggles to meet obligations despite the bridge loan.
Why it matters: The reverse stock split aims to boost share price and attract investors. Its effectiveness will show if the company can regain market confidence.
Supportive ifPost-split share price stabilizes above $1 for at least two weeks.
Worry ifShare price stays below $1. This shows ongoing market doubt.
Why it matters: Operating income has been negative. Better income means better cost control and possible profit.
Supportive ifOperating income was less negative than -$6.4 million in Q2.
Worry ifOperating income is still negative and got worse in Q2.
Why it matters: A drop in Bitcoin production shows problems with mining efficiency. This could hurt revenue.
Worry ifQ2 Bitcoin production was below 25 BTC. This is a big drop from Q1's 26.1 BTC.
Less concerning ifQ2 Bitcoin production is at or above 26 BTC. This shows stable mining performance.
Why it matters: Earnings results will show how well the company is doing with money and operations.
Worry ifQ2 2026 earnings show revenue growth or reduced losses compared to Q1 2026.
Less concerning ifThe earnings report shows more revenue decline or bigger losses, confirming bad trends.
Why it matters: The digital currency loan program is important for managing money. Progress may show better control.
Supportive ifThe company shares updates on new loans or partnerships. This is for the digital currency loan program.
Worry ifThere are no updates or more delays in running the loan program.
Why it matters: Recovering mining margins is key for making money and shows how well the company runs.
Supportive ifMining margin goes above 25%. This shows better cost control.
Worry ifMining margin stays below 24%, showing ongoing cost issues.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$341 on $10,000 · ±3.4% | How much price usually moves either way. |
| Bad day | $1,098 loss on $10,000 · 11.0% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $9,685 loss on $10,000 · 96.9% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.