LM Funding America Inc (LMFA)vsMastercard Inc (MA)
LMFA
LM Funding America Inc
$0.32
-5.69%
FINANCIAL SERVICES · Cap: $5.15M
MA
Mastercard Inc
$502.76
+0.77%
FINANCIAL SERVICES · Cap: $445.26B
Smart Verdict
WallStSmart Research — data-driven comparison
Mastercard Inc generates 433213% more annual revenue ($32.79B vs $7.57M). MA leads profitability with a 45.7% profit margin vs -92.9%. MA earns a higher WallStSmart Score of 70/100 (B).
LMFA
Hold39
out of 100
Grade: F
MA
Strong Buy70
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for LMFA.
Margin of Safety
+33.1%
Fair Value
$751.54
Current Price
$502.76
$248.78 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Revenue surging 71.7% year-over-year
Mega-cap, among the largest globally
Keeps 46 of every $100 in revenue as profit
Strong operational efficiency at 57.7%
Safe zone — low bankruptcy risk
17.6% revenue growth
Earnings expanding 24.2% YoY
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
Premium valuation, high expectations priced in
ROE of 2.1% — below average capital efficiency
Trading at 58.1x book value
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 : MA
The strongest argument for MA centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 45.7% and operating margin at 57.7%. Revenue growth of 17.6% demonstrates continued momentum.
Bear Case : LMFA
The primary concerns for LMFA are Market Cap, Return on Equity, EPS Growth.
Bear Case : MA
The primary concerns for MA are PEG Ratio, P/E Ratio, Return on Equity. Debt-to-equity of 2.45 is elevated, increasing financial risk.
Key Dynamics to Monitor
LMFA profiles as a hypergrowth stock while MA is a growth 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.
MA generates stronger free cash flow (4.8B), providing more financial flexibility.
Bottom Line
MA scores higher overall (70/100 vs 39/100), backed by strong 45.7% margins and 17.6% revenue growth. 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.
Mastercard Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Mastercard Incorporated is an American multinational financial services corporation headquartered in the Mastercard International Global Headquarters in Purchase, New York. The Global Operations Headquarters is located in O'Fallon, Missouri, a municipality of St. Charles County, Missouri. Throughout the world, its principal business is to process payments between the banks of merchants and the card-issuing banks or credit unions of the purchasers who use the Mastercard brand debit, credit and prepaid cards to make purchases. Mastercard Worldwide has been a publicly traded company since 2006.
Visit Website →Compare with Other CREDIT SERVICES Stocks
Want to dig deeper into these stocks?