WallStSmart

LM Funding America Inc (LMFA)vsNomura Holdings Inc ADR (NMR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Nomura Holdings Inc ADR generates 32678736% more annual revenue ($2.33T vs $7.13M). NMR leads profitability with a 17.3% profit margin vs 0.0%. NMR earns a higher WallStSmart Score of 84/100 (A-).

LMFA

Avoid

31

out of 100

Grade: F

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

NMR

Exceptional Buy

84

out of 100

Grade: A-

Growth: 10.0Profit: 7.0Value: 7.7Quality: 3.0
Piotroski: 4/9Altman Z: 0.53

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

NMR6 strengths · Avg: 9.3/10
P/E RatioValuation
11.6x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Operating MarginProfitability
30.8%10/10

Strong operational efficiency at 30.8%

Revenue GrowthGrowth
31.2%10/10

Revenue surging 31.2% year-over-year

PEG RatioValuation
0.828/10

Growing faster than its price suggests

EPS GrowthGrowth
42.0%8/10

Earnings expanding 42.0% YoY

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

NMR2 concerns · Avg: 1.5/10
Altman Z-ScoreHealth
0.532/10

Distress zone — elevated risk

Debt/EquityHealth
9.181/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : LMFA

The strongest argument for LMFA centers on Price/Book.

Bull Case : NMR

The strongest argument for NMR centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 17.3% and operating margin at 30.8%. Revenue growth of 31.2% demonstrates continued momentum.

Bear Case : LMFA

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

Bear Case : NMR

The primary concerns for NMR are Altman Z-Score, Debt/Equity. Debt-to-equity of 9.18 is elevated, increasing financial risk.

Key Dynamics to Monitor

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

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

NMR is growing revenue faster at 31.2% — sustainability is the question.

Monitor CAPITAL MARKETS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

NMR scores higher overall (84/100 vs 31/100), backed by strong 17.3% margins and 31.2% revenue growth. Both earn "Exceptional 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.

Nomura Holdings Inc ADR

FINANCIAL SERVICES · CAPITAL MARKETS · USA

Nomura Holdings, Inc. provides various financial services to individuals, corporations, financial institutions, governments, and government agencies worldwide. The company is headquartered in Tokyo, Japan.

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