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ANY vs LMFA

ANY
Sphere 3D Corp.
BEARISH
Price
$1.62
Market Cap
$5.5M
Sector
Financial Services
AI Confidence
92%
LMFA
LM Funding America, Inc.
BEARISH
Price
$0.28
Market Cap
$4.5M
Sector
Financial Services
AI Confidence
95%

Valuation

P/E Ratio
ANY
--
LMFA
--
Forward P/E
ANY
-0.51
LMFA
-0.07
P/B Ratio
ANY
0.23
LMFA
0.13
P/S Ratio
ANY
0.49
LMFA
0.59
EV/EBITDA
ANY
-0.27
LMFA
--

Profitability

Gross Margin
ANY
23.49%
LMFA
10.96%
Operating Margin
ANY
-116.2%
LMFA
-494.61%
Profit Margin
ANY
-192.13%
LMFA
0.0%
ROE
ANY
-68.58%
LMFA
-84.01%
ROA
ANY
-23.52%
LMFA
-56.57%

Growth

Revenue Growth
ANY
3.1%
LMFA
8.6%
Earnings Growth
ANY
--
LMFA
--

Financial Health

Debt/Equity
ANY
--
LMFA
0.71
Current Ratio
ANY
4.82
LMFA
1.18
Quick Ratio
ANY
2.06
LMFA
0.08

Dividends

Dividend Yield
ANY
--
LMFA
--
Payout Ratio
ANY
0.0%
LMFA
0.0%

AI Verdict

ANY BEARISH

Sphere 3D Corp. (ANY) exhibits severe financial distress, as evidenced by a Piotroski F-Score of 1/9, indicating extreme operational weakness and deteriorating fundamentals. The company reports negative profitability across all key margins, with a staggering -192% profit margin and -68.58% ROE, while its earnings have consistently missed estimates by large margins. Despite a low price-to-book of 0.23 and a 52-week low of $1.08, the stock remains deeply undervalued on a fundamental basis due to persistent losses and lack of sustainable growth. The absence of an Altman Z-Score and the lack of any insider buying activity further underscore the high risk of insolvency. Analysts' strong_buy recommendation appears disconnected from the underlying financial reality.

Strengths
Low price-to-book ratio (0.23) suggests potential undervaluation on asset basis
High current ratio (4.82) indicates strong short-term liquidity
Positive gross margin (23.49%) reflects some operational efficiency in core product/service delivery
Risks
Piotroski F-Score of 1/9 signals extreme financial distress and poor operational health
Negative profit margin (-192.13%) and ROE (-68.58%) indicate severe profitability issues
Consistent earnings misses with average surprise of -47.35% over last 4 quarters
LMFA BEARISH

LMFA is in a state of severe financial distress, evidenced by a critical Piotroski F-Score of 1/9. The company exhibits catastrophic operational inefficiency with an operating margin of -494.61% and a near-total lack of liquid assets, as shown by a Quick Ratio of 0.08. While the Price-to-Book ratio of 0.13 suggests a deep discount, the consistent earnings misses and a 99.2% decline in value over five years indicate a classic value trap. The single analyst 'Buy' rating is fundamentally unsupported by the current trajectory of the business.

Strengths
Extremely low Price-to-Book ratio (0.13)
Positive year-over-year revenue growth (8.60%)
Current ratio remains above 1.0 (1.18)
Risks
Severe liquidity crisis indicated by a Quick Ratio of 0.08
Unsustainable operating losses (Operating Margin -494.61%)
Consistent and massive earnings misses (most recent surprise -280%)

Compare Another Pair

ANY vs LMFA: Head-to-Head Comparison

This page compares Sphere 3D Corp. (ANY) and LM Funding America, Inc. (LMFA) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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