LM Funding America Inc (LMFA)vsRoyal Bank of Canada (RY)
LMFA
LM Funding America Inc
$0.24
+0.62%
FINANCIAL SERVICES · Cap: $3.95M
RY
Royal Bank of Canada
$179.54
-0.24%
FINANCIAL SERVICES · Cap: $250.25B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 821454% more annual revenue ($63.42B vs $7.72M). RY leads profitability with a 33.1% profit margin vs 0.0%. RY earns a higher WallStSmart Score of 68/100 (B-).
LMFA
Avoid35
out of 100
Grade: F
RY
Strong Buy68
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 33 of every $100 in revenue as profit
Strong operational efficiency at 46.2%
Generating 37.3B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
0.0% margin — thin
ROE of -84.0% — below average capital efficiency
Earnings declined 89.4%
Expensive relative to growth rate
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 33.1% and operating margin at 46.2%.
Bear Case : LMFA
The primary concerns for LMFA are Market Cap, Profit Margin, Return on Equity.
Bear Case : RY
The primary concerns for RY are PEG Ratio.
Key Dynamics to Monitor
LMFA profiles as a value stock while RY is a mature play — different risk/reward profiles.
LMFA carries more volatility with a beta of 2.43 — expect wider price swings.
LMFA is growing revenue faster at 8.6% — sustainability is the question.
RY generates stronger free cash flow (37.3B), providing more financial flexibility.
Bottom Line
RY scores higher overall (68/100 vs 35/100), backed by strong 33.1% margins. 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.
Compare with Other CAPITAL MARKETS Stocks
Want to dig deeper into these stocks?