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LMFA vs MA

LMFA
LM Funding America, Inc.
BEARISH
Price
$0.28
Market Cap
$4.5M
Sector
Financial Services
AI Confidence
95%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
LMFA
--
MA
30.28
Forward P/E
LMFA
-0.07
MA
22.05
P/B Ratio
LMFA
0.13
MA
57.74
P/S Ratio
LMFA
0.59
MA
13.6
EV/EBITDA
LMFA
--
MA
22.13

Profitability

Gross Margin
LMFA
10.96%
MA
100.0%
Operating Margin
LMFA
-494.61%
MA
57.73%
Profit Margin
LMFA
0.0%
MA
45.65%
ROE
LMFA
-84.01%
MA
209.91%
ROA
LMFA
-56.57%
MA
23.72%

Growth

Revenue Growth
LMFA
8.6%
MA
17.6%
Earnings Growth
LMFA
--
MA
24.2%

Financial Health

Debt/Equity
LMFA
0.71
MA
2.56
Current Ratio
LMFA
1.18
MA
1.03
Quick Ratio
LMFA
0.08
MA
0.68

Dividends

Dividend Yield
LMFA
--
MA
0.7%
Payout Ratio
LMFA
0.0%
MA
18.4%

AI Verdict

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%)
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

LMFA vs MA: Head-to-Head Comparison

This page compares LM Funding America, Inc. (LMFA) and Mastercard Incorporated (MA) 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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