LM Funding America Inc (LMFA)vsWells Fargo & Company (WFC)
LMFA
LM Funding America Inc
$2.60
+6.12%
FINANCIAL SERVICES · Cap: $2.63M
WFC
Wells Fargo & Company
$84.97
-0.31%
FINANCIAL SERVICES · Cap: $264.72B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 1163805% more annual revenue ($83.03B vs $7.13M). WFC leads profitability with a 27.2% profit margin vs 0.0%. WFC earns a higher WallStSmart Score of 76/100 (B+).
LMFA
Avoid31
out of 100
Grade: F
WFC
Strong Buy76
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
Strong operational efficiency at 37.4%
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 25.0% 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
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : LMFA
The strongest argument for LMFA centers on Price/Book.
Bull Case : WFC
The strongest argument for WFC centers on Market Cap, Operating Margin, Profit Margin. Profitability is solid with margins at 27.2% and operating margin at 37.4%.
Bear Case : LMFA
The primary concerns for LMFA are Market Cap, Profit Margin, Piotroski F-Score.
Bear Case : WFC
The primary concerns for WFC are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 2.55 is elevated, increasing financial risk.
Key Dynamics to Monitor
LMFA profiles as a value stock while WFC is a mature play — different risk/reward profiles.
LMFA carries more volatility with a beta of 2.40 — expect wider price swings.
WFC is growing revenue faster at 9.5% — sustainability is the question.
WFC generates stronger free cash flow (6.8B), providing more financial flexibility.
Bottom Line
WFC scores higher overall (76/100 vs 31/100), backed by strong 27.2% 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.
Wells Fargo & Company
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.
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