LM Funding America Inc (LMFA)vsLPL Financial Holdings Inc (LPLA)
LMFA
LM Funding America Inc
$0.24
+0.62%
FINANCIAL SERVICES · Cap: $3.93M
LPLA
LPL Financial Holdings Inc
$318.63
-4.64%
FINANCIAL SERVICES · Cap: $26.53B
Smart Verdict
WallStSmart Research — data-driven comparison
LPL Financial Holdings Inc generates 214746% more annual revenue ($16.59B vs $7.72M). LPLA leads profitability with a 5.2% profit margin vs 0.0%. LPLA earns a higher WallStSmart Score of 66/100 (B-).
LMFA
Avoid35
out of 100
Grade: F
LPLA
Strong Buy66
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Growing faster than its price suggests
Revenue surging 41.8% year-over-year
Every $100 of equity generates 21 in profit
Areas to Watch
Smaller company, higher risk/reward
0.0% margin — thin
ROE of -84.0% — below average capital efficiency
Earnings declined 89.4%
Premium valuation, high expectations priced in
4.6% earnings growth
Distress zone — elevated risk
5.2% margin — thin
Comparative Analysis Report
WallStSmart ResearchBull Case : LMFA
The strongest argument for LMFA centers on Price/Book.
Bull Case : LPLA
The strongest argument for LPLA centers on PEG Ratio, Revenue Growth, Return on Equity. Revenue growth of 41.8% demonstrates continued momentum. PEG of 0.45 suggests the stock is reasonably priced for its growth.
Bear Case : LMFA
The primary concerns for LMFA are Market Cap, Profit Margin, Return on Equity.
Bear Case : LPLA
The primary concerns for LPLA are P/E Ratio, EPS Growth, Altman Z-Score.
Key Dynamics to Monitor
LMFA profiles as a value stock while LPLA is a hypergrowth play — different risk/reward profiles.
LMFA carries more volatility with a beta of 2.43 — expect wider price swings.
LPLA is growing revenue faster at 41.8% — sustainability is the question.
LPLA generates stronger free cash flow (490M), providing more financial flexibility.
Bottom Line
LPLA scores higher overall (66/100 vs 35/100) and 41.8% revenue growth. Both earn "Strong Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
LM Funding America Inc
FINANCIAL SERVICES · CAPITAL MARKETS · USA
LM Funding America, Inc., through its subsidiary, LM Funding, LLC, is a specialized finance company. The company is headquartered in Tampa, Florida.
LPL Financial Holdings Inc
FINANCIAL SERVICES · CAPITAL MARKETS · USA
LPL Financial Holdings Inc., provides an integrated platform of brokerage and investment advisory services to independent financial advisers and financial advisers at financial institutions in the United States. The company is headquartered in San Diego, California.
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