LM Funding America Inc (LMFA)vsRoyal Bank of Canada (RY)
LMFA
LM Funding America Inc
$0.22
-6.35%
FINANCIAL SERVICES · Cap: $3.82M
RY
Royal Bank of Canada
$194.04
-0.48%
FINANCIAL SERVICES · Cap: $277.29B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 921158% more annual revenue ($65.72B vs $7.13M). RY leads profitability with a 33.7% profit margin vs 0.0%. RY earns a higher WallStSmart Score of 70/100 (B-).
LMFA
Avoid32
out of 100
Grade: F
RY
Strong Buy70
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 45.3%
Generating 20.8B in free cash flow
Reasonable price relative to book value
16.1% revenue growth
Areas to Watch
Smaller company, higher risk/reward
0.0% margin — thin
Weak financial health signals
ROE of -153.6% — below average capital efficiency
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : LMFA
The strongest argument for LMFA centers on Price/Book.
Bull Case : RY
The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.7% and operating margin at 45.3%. Revenue growth of 16.1% demonstrates continued momentum.
Bear Case : LMFA
The primary concerns for LMFA are Market Cap, Profit Margin, Piotroski F-Score.
Bear Case : RY
The primary concerns for RY are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 2.77 is elevated, increasing financial risk.
Key Dynamics to Monitor
LMFA profiles as a value stock while RY is a growth play — different risk/reward profiles.
LMFA carries more volatility with a beta of 2.34 — expect wider price swings.
RY is growing revenue faster at 16.1% — sustainability is the question.
RY generates stronger free cash flow (20.8B), providing more financial flexibility.
Bottom Line
RY scores higher overall (70/100 vs 32/100), backed by strong 33.7% margins and 16.1% 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.
Royal Bank of Canada
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Royal Bank of Canada is a globally diversified financial services company. The company is headquartered in Toronto, Canada.
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