WM Technology Inc 2026年季度报告

Washington, D.C. 20549_______________________________________________________________________________ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the transition period from ____ to ____Commission file number 001-39021_______________________________________________________________________________ WM TECHNOLOGY, INC. (Exact name of registrant as specified in its charter)_______________________________________________________________________________ Securities registered pursuant to Section 12(b) of the Act: Indicate by check mark whether the registrant: (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during thepreceding 12 months (or for such shorter period that the registrant was required to file such reports); and (2) has been subject to such filing requirements for the past 90days. Yes☒No☐ Indicate by check mark whether the registrant has submitted electronically and posted on its corporate web site, if any, every Interactive Data File required to besubmitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrantwas required to submit and post such files).Yes☒No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerginggrowth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company” and “emerging growth company” in Rule 12b-2 of theExchange Act: Large accelerated filer☐Accelerated filer☒Non-accelerated filer☐Smaller reporting company☒Emerging growth company☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revisedfinancial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act).Yes☐No☒ As of August3, 2026, there were 112,498,797 shares of the registrant’s Class A common stock outstanding and 47,852,652 shares of Class V common stock outstanding. WM TECHNOLOGY, INC. TABLE OF CONTENTS Forward-Looking Statements Item 1.Condensed Consolidated Financial Statements(Unaudited)3Condensed Consolidated Balance Sheets as of June30, 2026 and December31, 20253Condensed Consolidated Statements of Operations for the Three and Six Months Ended June30, 2026 and20254Condensed Consolidated Statements of Comprehensive Income for the Three and Six Months Ended June30,2026 and 20255Condensed Consolidated Statements of Equity for the Three and Six Months Ended June30, 2026 and 20256Condensed Consolidated Statements of Cash Flowsfor the Six Months Ended June30, 2026 and 20257Notes to Condensed Consolidated Financial Statements9Item 2.Management's Discussion and Analysis of Financial Condition and Results of Operations33Item 3.Quantitative and Qualitative Disclosures About Market Risk47Item 4.Controls and Procedures47 Part II - Other Information Item 1.Legal ProceedingsItem 1A.Risk FactorsItem 2.Unregistered Sales of Equity Securities and Use of ProceedsItem 3.Defaults Upon Senior SecuritiesItem 4.Mine Safety DisclosuresItem 5.Other InformationItem 6.ExhibitsSignatures CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS This Quarterly Report on Form 10-Q contains forward-looking statements within the meaning of Section 27A of the Securities Act of1933, as amended, (the “Securities Act”), and Section 21E of the Securities Exchange Act of 1934, as amended (the “Exchange Act”),about us and our industry that involve substantial risks and uncertainties. All statements other than statements of historical factscontained in this report, including statements regarding our future results of operations and financial condition, business strategy andplans and objectives of management for future operations, are forward-looking statements. In some cases, forward-looking statementsmay be identified by words such as “anticipate,” “believe,” “continue,” “could,” “design,” “estimate,” “expect,” “intend,” “may,”“plan,” “potentially,” “predict,” “project,” “should,” “will,” “would,” or the negative of these terms or other similar expressions. Theseforward-looking statements include, but are not limited to, statements concerning the following: •our financial and business performance, including key business metrics and any underlying assumptions thereunder;•our market opportunity and our ability to acquire new clients and retain existing clients;•our expectations and timing related to commercial product launches;•the success of our go-to-market strategy;•our ability to scale our business and expand our offerings;•our competitive advantages and growth strategies;•our future capital requirements and sources and uses of cash;•our ability to obtai