LM Funding America, Inc. (LMFA) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.656 Good day, and thank you for standing by. Welcome to the LM Funding America fourth quarter 00:00:04.656 -- 00:00:09.721 2025 earnings conference call. At this time, all participants are on a listen-only mode. 00:00:09.721 -- 00:00:13.205 After the speaker's presentation, there will be a question and answer session. 00:00:13.205 -- 00:00:17.209 To ask a question during the session, you will need to press star 11 on your telephone. 00:00:17.209 -- 00:00:20.372 You will then hear an automated message advising your hand is raised. 00:00:20.372 -- 00:00:23.356 To withdraw your question, please press star 11 again. 00:00:23.356 -- 00:00:26.373 Please be advised that today's conference is being recorded. 00:00:26.373 -- 00:00:29.517 I would now like to hand the conference over to your speaker today, Cody Fletcher with 00:00:29.517 -- 00:00:32.759 Investor Relations. Please go ahead. 00:00:33.423 -- 00:00:38.350 Thank you, Operator, and thank you all for joining LM Funding America's fourth quarter 00:00:38.350 -- 00:00:42.375 and full year 2025 earnings conference call. 00:00:42.375 -- 00:00:47.943 Joining us today are Chairman and CEO Bruce Rogers, CFO Richard Russell, 00:00:47.943 -- 00:00:51.382 and President of U.S. Digital Mining Ryan Durant. 00:00:51.382 -- 00:00:55.770 For today's call, we have uploaded an accompanying supplemental investor presentation, 00:00:55.770 -- 00:01:00.999 which can be found under the events section of our investor relations website. 00:01:00.999 -- 00:01:04.386 Before we get started, please note that our remarks today may include forward-looking 00:01:04.386 -- 00:01:09.254 statements. These statements are subject to risks and uncertainties, and actual results 00:01:09.254 -- 00:01:14.467 may differ materi...