LM Funding America Inc (LMFA)vsSynchrony Financial (SYF)
LMFA
LM Funding America Inc
$0.32
-5.69%
FINANCIAL SERVICES · Cap: $5.15M
SYF
Synchrony Financial
$67.63
+0.54%
FINANCIAL SERVICES · Cap: $24.23B
Smart Verdict
WallStSmart Research — data-driven comparison
Synchrony Financial generates 128820% more annual revenue ($9.76B vs $7.57M). SYF leads profitability with a 36.4% profit margin vs -92.9%. SYF earns a higher WallStSmart Score of 71/100 (B).
LMFA
Hold39
out of 100
Grade: F
SYF
Strong Buy71
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for LMFA.
Margin of Safety
+59.2%
Fair Value
$178.92
Current Price
$67.63
$111.29 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Revenue surging 71.7% year-over-year
Attractively priced relative to earnings
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 48.5%
Every $100 of equity generates 21 in profit
Reasonable price relative to book value
Generating 2.5B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
ROE of -18.6% — below average capital efficiency
Earnings declined 89.4%
Negative free cash flow — burning cash
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : LMFA
The strongest argument for LMFA centers on Price/Book, Revenue Growth. Revenue growth of 71.7% demonstrates continued momentum.
Bull Case : SYF
The strongest argument for SYF centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 36.4% and operating margin at 48.5%.
Bear Case : LMFA
The primary concerns for LMFA are Market Cap, Return on Equity, EPS Growth.
Bear Case : SYF
The primary concerns for SYF are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
LMFA profiles as a hypergrowth stock while SYF is a value play — different risk/reward profiles.
LMFA carries more volatility with a beta of 2.36 — expect wider price swings.
LMFA is growing revenue faster at 71.7% — sustainability is the question.
SYF generates stronger free cash flow (2.5B), providing more financial flexibility.
Bottom Line
SYF scores higher overall (71/100 vs 39/100), backed by strong 36.4% margins. Both earn "Strong Buy" and "Hold" 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 · CREDIT SERVICES · USA
LM Funding America, Inc., through its subsidiary, LM Funding, LLC, is a specialized finance company. The company is headquartered in Tampa, Florida.
Synchrony Financial
FINANCIAL SERVICES · CREDIT SERVICES · USA
Synchrony Financial is a consumer financial services company headquartered in Stamford, Connecticut, United States. The company offers consumer financing products, including credit, promotional financing and loyalty programs, installment lending to industries, and FDIC-insured consumer savings products through Synchrony Bank, its wholly owned online bank subsidiary.
Visit Website →Compare with Other CREDIT SERVICES Stocks
Want to dig deeper into these stocks?