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

Investor webinar replay

Replay transcript excerpt

Good day, and thank you for standing by. Welcome to the LM Funding America fourth quarter 2025 earnings conference call. At this time, all participants are on a listen-only mode. After the speaker's presentation, there will be a question and answer session. To ask a question during the session, you will need to press star 11 on your telephone. You will then hear an automated message advising your hand is raised. To withdraw your question, please press star 11 again. Please be advised that today's conference is being recorded. I would now like to hand the conference over to your speaker today, Cody Fletcher with Investor Relations. Please go ahead. Thank you, Operator, and thank you all for joining LM Funding America's fourth quarter and full year 2025 earnings conference call. Joining us today are Chairman and CEO Bruce Rogers, CFO Richard Russell, and President of U.S. Digital Mining Ryan Durant. For today's call, we have uploaded an accompanying supplemental investor presentation, which can be found under the events section of our investor relations website. Before we get started, please note that our remarks today may include forward-looking statements. These statements are subject to risks and uncertainties, and actual results may differ materially. We will also reference certain non-GAAP financial measures today. please refer to our 10-K filing for a full reconciliation of these non-GAAP performance measures to the most comparable GAAP measures. For a more comprehensive discussion of these and other risks, please refer to our filings with the SEC and at the investors section of our website at lmfunding.com backslash investors. And with that, I'll now turn the call over to our CEO, Bruce Rogers. Bruce? Thanks, Cody. Good morning, everyone, and thank you for joini...