WallStSmart

LM Funding America Inc (LMFA)vsMorgan Stanley (MS)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Morgan Stanley generates 1090937% more annual revenue ($77.83B vs $7.13M). MS leads profitability with a 25.9% profit margin vs 0.0%. MS earns a higher WallStSmart Score of 73/100 (B).

LMFA

Avoid

31

out of 100

Grade: F

Growth: 4.0Profit: 2.5Value: 5.0Quality: 3.5
Piotroski: 2/9Altman Z: -3.63

MS

Strong Buy

73

out of 100

Grade: B

Growth: 9.3Profit: 8.0Value: 5.7Quality: 3.5
Piotroski: 5/9Altman Z: 0.38

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

LMFA1 strengths · Avg: 8.0/10
Price/BookValuation
2.0x8/10

Reasonable price relative to book value

MS6 strengths · Avg: 9.2/10
Market CapQuality
$343.03B10/10

Mega-cap, among the largest globally

Operating MarginProfitability
41.6%10/10

Strong operational efficiency at 41.6%

EPS GrowthGrowth
62.4%10/10

Earnings expanding 62.4% YoY

Profit MarginProfitability
25.9%9/10

Keeps 26 of every $100 in revenue as profit

P/E RatioValuation
17.5x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
28.0%8/10

Revenue surging 28.0% year-over-year

Areas to Watch

LMFA4 concerns · Avg: 2.8/10
Market CapQuality
$2.63M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Return on EquityProfitability
-153.6%2/10

ROE of -153.6% — below average capital efficiency

MS4 concerns · Avg: 2.3/10
PEG RatioValuation
2.064/10

Expensive relative to growth rate

Free Cash FlowQuality
$-3.57B2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.382/10

Distress zone — elevated risk

Debt/EquityHealth
4.751/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : LMFA

The strongest argument for LMFA centers on Price/Book.

Bull Case : MS

The strongest argument for MS centers on Market Cap, Operating Margin, EPS Growth. Profitability is solid with margins at 25.9% and operating margin at 41.6%. Revenue growth of 28.0% demonstrates continued momentum.

Bear Case : LMFA

The primary concerns for LMFA are Market Cap, Profit Margin, Piotroski F-Score.

Bear Case : MS

The primary concerns for MS are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 4.75 is elevated, increasing financial risk.

Key Dynamics to Monitor

LMFA profiles as a value stock while MS is a growth play — different risk/reward profiles.

LMFA carries more volatility with a beta of 2.40 — expect wider price swings.

MS is growing revenue faster at 28.0% — sustainability is the question.

LMFA generates stronger free cash flow (-3M), providing more financial flexibility.

Bottom Line

MS scores higher overall (73/100 vs 31/100), backed by strong 25.9% margins and 28.0% 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.

Morgan Stanley

FINANCIAL SERVICES · CAPITAL MARKETS · USA

Morgan Stanley is an American multinational investment bank and financial services company headquartered at 1585 Broadway in the Morgan Stanley Building, Midtown Manhattan, New York City.

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