LM Funding America Inc (NAS:LMFA)

Q3 2025 LM Funding America Inc Earnings Call Transcript

Nov 14, 2025 / 01:00 PM GMT

Release Date Price: $0.9477 (-13.06%)

Transcript 10-Q8-K

Key Points

Positve

LM Funding America Inc (LMFA) bolstered its balance sheet with $21 million designated for Bitcoin accumulation, purchasing 164 Bitcoin to accelerate treasury growth.
The acquisition of an 11 megawatt facility in Columbus, Mississippi expanded operational capacity to 26 megawatts, diversifying power and climate exposure.
Bitcoin production increased by 28% sequentially, from 5.9 Bitcoin in September to 7.6 Bitcoin in October, validating the company's strategy.
The company executed a private securities repurchase, retiring over 3.3 million shares and 7.3 million warrants, reducing dilution and simplifying the capital structure.
Revenue for the third quarter was $2.2 million, up 13% sequentially and 74% year over year, driven by stronger Bitcoin pricing and contributions from the Mississippi facility.

Negative

LM Funding America Inc (LMFA) reported a net loss of $3.7 million and a core EBITDA loss of $1.4 million, attributed to increased staff costs and payroll expenses.
The cost of mining one Bitcoin was reported at $66,000, which, although reduced from the previous quarter, remains a significant expense.
Approximately 15% of the company's older machines are in storage, indicating potential inefficiencies in fleet management.
The company faces a disconnect between its Bitcoin treasury value and market capitalization, highlighting a gap in perceived market value.
Despite improvements, the company still relies on curtailment and energy sales to offset mining expenses, indicating ongoing operational challenges.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

LMFA.OQ - LM Funding America Inc
Q3 2025 LM Funding America Inc Earnings Call
Nov 14, 2025 / 01:00PM GMT

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Presentation
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Unidentified_1 [1]
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Good day and thank you for standing by. Welcome to the LM Funding America Inc.s. 3rd quarter 2025 earnings conference call. At this time, all participants are in a listen-only mode. After the speaker's presentation, there will be a question-and-answer session. To ask a question during this session, you will need to press 11 on your telephone. You will then hear an automated message, advise your hand is raised to withdraw your question, please press 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. Please go ahead, sir.

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Unidentified_2

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