LM Funding America Inc (LMFA)vsCharles Schwab Corp (SCHW)
LMFA
LM Funding America Inc
$0.24
+0.62%
FINANCIAL SERVICES · Cap: $3.95M
SCHW
Charles Schwab Corp
$91.54
-0.11%
FINANCIAL SERVICES · Cap: $160.57B
Smart Verdict
WallStSmart Research — data-driven comparison
Charles Schwab Corp generates 321195% more annual revenue ($24.80B vs $7.72M). SCHW leads profitability with a 38.0% profit margin vs 0.0%. SCHW earns a higher WallStSmart Score of 75/100 (B+).
LMFA
Avoid35
out of 100
Grade: F
SCHW
Strong Buy75
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Keeps 38 of every $100 in revenue as profit
Strong operational efficiency at 49.2%
Conservative balance sheet, low leverage
Large-cap with strong market position
15.8% revenue growth
Earnings expanding 38.6% YoY
Areas to Watch
Smaller company, higher risk/reward
0.0% margin — thin
ROE of -84.0% — below average capital efficiency
Earnings declined 89.4%
Negative free cash flow — burning cash
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, Debt/Equity. Profitability is solid with margins at 38.0% and operating margin at 49.2%. Revenue growth of 15.8% demonstrates continued momentum.
Bear Case : LMFA
The primary concerns for LMFA are Market Cap, Profit Margin, Return on Equity.
Bear Case : SCHW
The primary concerns for SCHW are Free Cash Flow.
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 2.43 — expect wider price swings.
SCHW is growing revenue faster at 15.8% — sustainability is the question.
LMFA generates stronger free cash flow (-6M), providing more financial flexibility.
Bottom Line
SCHW scores higher overall (75/100 vs 35/100), backed by strong 38.0% margins and 15.8% 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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