LM Funding America Inc (LMFA)vsCharles Schwab Corp (SCHW)
LMFA
LM Funding America Inc
$2.60
+6.12%
FINANCIAL SERVICES · Cap: $2.63M
SCHW
Charles Schwab Corp
$108.02
-1.23%
FINANCIAL SERVICES · Cap: $191.23B
Smart Verdict
WallStSmart Research — data-driven comparison
Charles Schwab Corp generates 364733% more annual revenue ($26.03B vs $7.13M). SCHW leads profitability with a 38.8% profit margin vs 0.0%. SCHW earns a higher WallStSmart Score of 79/100 (B+).
LMFA
Avoid31
out of 100
Grade: F
SCHW
Strong Buy79
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Keeps 39 of every $100 in revenue as profit
Strong operational efficiency at 52.3%
Large-cap with strong market position
Every $100 of equity generates 20 in profit
Revenue surging 20.9% year-over-year
Earnings expanding 42.6% YoY
Areas to Watch
Smaller company, higher risk/reward
0.0% margin — thin
Weak financial health signals
ROE of -153.6% — below average capital efficiency
Negative free cash flow — burning cash
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : LMFA
The strongest argument for LMFA centers on Price/Book.
Bull Case : SCHW
The strongest argument for SCHW centers on Profit Margin, Operating Margin, Market Cap. Profitability is solid with margins at 38.8% and operating margin at 52.3%. Revenue growth of 20.9% demonstrates continued momentum.
Bear Case : LMFA
The primary concerns for LMFA are Market Cap, Profit Margin, Piotroski F-Score.
Bear Case : SCHW
The primary concerns for SCHW are Free Cash Flow, Altman Z-Score.
Key Dynamics to Monitor
LMFA profiles as a value stock while SCHW is a growth play — different risk/reward profiles.
LMFA carries more volatility with a beta of 2.40 — expect wider price swings.
SCHW is growing revenue faster at 20.9% — sustainability is the question.
LMFA generates stronger free cash flow (-3M), providing more financial flexibility.
Bottom Line
SCHW scores higher overall (79/100 vs 31/100), backed by strong 38.8% margins and 20.9% 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.
Charles Schwab Corp
FINANCIAL SERVICES · CAPITAL MARKETS · USA
The Charles Schwab Corporation is an American multinational financial services company. It offers banking, commercial banking, an electronic trading platform, and wealth management advisory services to both retail and institutional clients.
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