For the quarterly period ended March 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-37605 UNITEDSTATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 LM FUNDING AMERICA, INC. (Exact name of Registrant as specified in its charter) Delaware 47-3844457 (State or other jurisdi ...

分组1 - LM Funding America, Inc. reported a quarterly loss of $1.05 per share, which was worse than the Zacks Consensus Estimate of a loss of $0.65, and compared to a loss of $0.84 per share a year ago, indicating a significant earnings surprise of -61.54% [1] - The company posted revenues of $2.37 million for the quarter ended March 2025, missing the Zacks Consensus Estimate by 15.32%, and down from $4.75 million in the same quarter last year [2] - The stock has underperformed the market, losing about 23.3% since the beginning of the year, while the S&P 500 has gained 0.2% [3] 分组2 - The current consensus EPS estimate for the coming quarter is -$0.45 on revenues of $2.5 million, and for the current fiscal year, it is -$2.56 on revenues of $9.8 million [7] - The Zacks Industry Rank for Financial - Miscellaneous Services is in the top 39% of over 250 Zacks industries, suggesting that the industry outlook can significantly impact stock performance [8]

LM Funding America (LMFA) Q1 2025 Earnings Call May 15, 2025 08:00 AM ET Speaker0 Good day, and thank you for standing by. Welcome to the LM Funding First Quarter twenty twenty five Earnings Conference Call. At this time, all participants are in a listen only mode. After the presentation, there will be a question and answer session. You will then hear an automated message advising your hand is raised. Please note that today's conference is being recorded. I will now hand the conference over to your speaker ...

Financial Performance - As of March 31, 2025, LM Funding holds 160.2 BTC valued at approximately $13.3 million, equating to $2.59 per share[1][3] - In March 2025, the company mined 8.7 BTC, with a total of 8.0 BTC mined in January and 8.1 BTC in February[2] - The company sold 14.2 BTC in March 2025, with no BTC sold in the previous months[2] - LM Funding generated approximately $130,000 in power sales during Q1 2025 by selling excess energy back to the grid[2] - The stock share price was $1.24 as of March 31, 2025, compared to a Bitcoin price of approximately $83,000[3] Operational Metrics - The total operational machines remained stable at 5,121 throughout the first quarter of 2025[2] - The company's total hashrate was consistent at 0.63 EH/s across January, February, and March 2025[2] Strategic Outlook - LM Funding's balance sheet strength is supported by diversified revenue streams from energy sales and Bitcoin mining[2] - LM Funding plans to continue its infrastructure expansion to enhance operational efficiency and revenue generation[2] Risk Factors - The company faces various risks including operating in the cryptocurrency mining business and changes in governmental regulations[5]

An emerging leader in Bitcoin mining Q1 2025 Supplemental Investor Presentation Nasdaq: LMFA Forward-Looking Statements This presentation may contain forward-looking statements the meaning of the Private Securities Litigation Reform Act of 1995. Words such as "anticipate," "believe," "estimate," "expect," "intend," "plan," and "project" and other similar words and expressions are intended to signify forward-looking statements. Forward-looking statements are not guarantees of future results and conditions bu ...

- Mined 24.3 Bitcoin for total mining revenue of $2.3 million, up 25.3% sequentially - Operating expenses excluding direct mining costs and depreciation down 7.7% year-over-year - Held 148.7 Bitcoin on April 30, 2025 valued at approximately $15.5 million, as of May 13, 2025 TAMPA, Fla., May 15, 2025 (GLOBE NEWSWIRE) -- LM Funding America, Inc. (NASDAQ: LMFA) ("LM Funding" or the "Company"), a Bitcoin mining and technology-based specialty finance company, today reported financial results for the three months ...

TAMPA, Fla., May 01, 2025 (GLOBE NEWSWIRE) -- LM Funding America, Inc. (NASDAQ: LMFA) (“LM Funding” or the “Company”), a Bitcoin mining and technology-based specialty finance company, today announced that it has scheduled its first quarter 2025 earnings conference call and webcast for Thursday, May 15, 2025 at 8:00 AM EST. LM Funding will publish its first quarter 2025 results as well as an accompanying investor presentation the morning of May 15, 2025 before the call. A copy of the earnings release and inv ...

Core Viewpoint - LM Funding America, Inc. has provided a preliminary operational update for its Bitcoin mining activities, highlighting an increase in mined Bitcoin and a strategic focus on energy utilization to enhance operational efficiency [1][3]. Bitcoin Mining Metrics - In March 2025, the company mined a total of 8.7 Bitcoin, an increase from 8.1 Bitcoin in February 2025 and 8.0 Bitcoin in January 2025 [2]. - The company sold 14.2 Bitcoin in March 2025, with no purchases reported during this period [2]. - The Bitcoin holdings as of March 31, 2025, were valued at approximately $13.3 million, equating to $2.59 per share based on a Bitcoin price of approximately $83,000 [3]. Operational Efficiency - The company operates a total of 5,840 machines, with 5,121 machines operational and 719 in storage [2]. - The total hashrate remained consistent at 0.63 EH/s across the months reported [2]. - The company generated approximately $130,000 in power sales during the first quarter of 2025 by selling excess energy back to the grid, which supports its business model [3]. Company Overview - LM Funding America, Inc. is a Bitcoin mining and specialty finance company founded in 2008 and based in Tampa, Florida [4].

Core Viewpoint - LM Funding America, Inc. (LMFA) has been upgraded to a Zacks Rank 2 (Buy), indicating a positive outlook based on an upward trend in earnings estimates [1][4]. Earnings Estimates and Revisions - The Zacks Consensus Estimate for LM Funding America indicates expected earnings of -$2.56 per share for the fiscal year ending December 2025, reflecting a year-over-year change of 60% [9]. - Over the past three months, the Zacks Consensus Estimate for LM Funding America has increased by 48.5%, showing a significant upward revision trend [9]. Zacks Rating System - The Zacks rating system is based solely on a company's changing earnings picture, making it a reliable tool for investors [2][3]. - The system classifies stocks into five groups, with Zacks Rank 1 (Strong Buy) stocks historically generating an average annual return of +25% since 1988 [8]. - The upgrade of LM Funding America to Zacks Rank 2 places it in the top 20% of Zacks-covered stocks, suggesting potential for market-beating returns in the near term [11]. Market Impact - Changes in earnings estimates are strongly correlated with stock price movements, influenced by institutional investors who adjust their valuations based on these estimates [5][6]. - The rising earnings estimates and subsequent rating upgrade for LM Funding America imply an improvement in the company's underlying business, which could lead to higher stock prices as investors respond positively [6].

Revenue Performance - Total revenues for the year ended December 31, 2024, decreased by approximately $2.0 million to approximately $11.0 million from approximately $13.0 million in 2023[264]. - Bitcoin mining revenues decreased to approximately $10.4 million for the year ended December 31, 2024, down from $12.3 million in 2023[264]. - Specialty finance revenues for the year ended December 31, 2024, were approximately $444,000, representing a decrease of 19.4% compared to approximately $550,000 in 2023[266]. Bitcoin Mining Operations - The company mined 170.6 Bitcoin in 2024 with an average Bitcoin price of approximately $61,000, compared to 423.4 Bitcoin at an average price of approximately $29,000 in 2023[265]. - Bitcoin mining costs of revenues for 2024 were approximately $7.0 million, or 67% of digital mining revenues, compared to approximately $9.4 million, or 77%, in 2023[268]. - The company generated $10.4 million from Bitcoin mining operations in 2024, down from $12.3 million in 2023, with cash used in operations increasing to approximately $11.9 million in 2024 from $3.4 million in 2023[300]. Financial Position - The company held approximately 150 Bitcoin as of December 31, 2024, with a carrying value of approximately $14.0 million, compared to 95 Bitcoin valued at approximately $3.4 million in 2023[252]. - The company had cash and cash equivalents of $3.4 million and digital assets valued at $14.0 million as of December 31, 2024, an increase from $2.4 million and $3.4 million, respectively, as of December 31, 2023[294]. - The company's total outstanding debt as of December 31, 2024, is $6,751,657, an increase from $567,586 in 2023[303]. Loss and Impairment - The company recorded a net loss attributable to common shareholders of approximately $14.1 million for the year ended December 31, 2024, compared to a net loss of approximately $15.9 million in 2023[263]. - The company incurred a $1.4 million impairment loss on mining equipment for the year ended December 31, 2024, compared to nil for the year ended December 31, 2023[277]. - The company incurred $1,379,375 in impairment loss on mining equipment during 2024[306]. Financing and Interest - The company raised $6.9 million in net proceeds from equity financing transactions during the year ended December 31, 2024, compared to nil in 2023[298]. - The company reported an annualized interest expense of $443,700 for the year ended December 31, 2024[306]. - Annualized interest rates on various financing agreements range from 9.35% to 12%[303]. Other Financial Metrics - Core income before interest, taxes, and depreciation for 2024 was $3,940,771, a significant improvement from a loss of $235,800 in 2023[306]. - The company recognized a gain on the fair value of Bitcoin of $7.4 million for the year ended December 31, 2024, compared to nil for the year ended December 31, 2023[274]. - The company recognized an unrealized loss on investment and equity securities of approximately $1.1 million for the year ended December 31, 2024, compared to an unrealized loss of approximately $9.8 million for the year ended December 31, 2023[282]. Debt Obligations - Minimum required principal payments on the company's debt for 2025 are $386,312 and for 2026 are $6,500,000, totaling $6,886,312[303]. - The company paid $709,000 in principal and financing repayments during the year ended December 31, 2024, compared to $624,000 in 2023[303]. Miscellaneous - The company has no off-balance sheet arrangements[308]. - There are no critical accounting estimates for the year ended December 31, 2024[307].