LM Funding America Inc. (NASDAQ:LMFA) and EZCORP Inc. (NASDAQ:EZPW) are two firms in the Credit Services that compete against each other. Below is a comparison of their analyst recommendations, profitability, risk, dividends, institutional ownership, earnings and valuation.
Earnings & Valuation
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|LM Funding America Inc.||2.64M||1.51||N/A||-7.93||0.00|
Table 1 shows the gross revenue, earnings per share (EPS) and valuation for LM Funding America Inc. and EZCORP Inc.
Table 2 demonstrates the return on assets, net margins and return on equity of LM Funding America Inc. and EZCORP Inc.
|Net Margins||Return on Equity||Return on Assets|
|LM Funding America Inc.||0.00%||-662.3%||-336.4%|
Risk and Volatility
LM Funding America Inc. has a 2.67 beta, while its volatility is 167.00%, thus making it more volatile than S&P 500. EZCORP Inc. has a 1.73 beta and it is 73.00% more volatile than S&P 500.
The Recommendations and Ratings for LM Funding America Inc. and EZCORP Inc. are featured in the next table.
|Sell Ratings||Hold Ratings||Buy Ratings||Rating Score|
|LM Funding America Inc.||0||0||0||0.00|
Meanwhile, EZCORP Inc.’s average target price is $14, while its potential upside is 54.19%.
Insider and Institutional Ownership
Institutional investors owned 5.1% of LM Funding America Inc. shares and 0% of EZCORP Inc. shares. LM Funding America Inc.’s share owned by insiders are 0.8%. On the other hand, insiders owned about 3.9% of EZCORP Inc.’s shares.
Here are the Weekly, Monthly, Quarterly, Half Yearly, Yearly and YTD Performance of both pretenders.
|Performance (W)||Performance (M)||Performance (Q)||Performance (HY)||Performance (Y)||Performance (YTD)|
|LM Funding America Inc.||-3.57%||-1.46%||0.75%||-23.73%||-78.36%||14.41%|
For the past year LM Funding America Inc. has weaker performance than EZCORP Inc.
EZCORP Inc. beats LM Funding America Inc. on 10 of the 11 factors.
LM Funding America, Inc., through its subsidiary, LM Funding, LLC, operates as a specialty finance company. It provides funding to nonprofit community associations (Associations) primarily located in the state of Florida, as well as in the states of Washington, Colorado, and Illinois. The company offers funding to Associations by purchasing their rights under delinquent accounts that are selected by the Associations arising from unpaid Association assessments. It is also involved in the business of purchasing delinquent accounts on various terms tailored to suit each AssociationÂ’s financial needs, including under its New Neighbor Guaranty program. The company was founded in 2008 and is based in Tampa, Florida. LM Funding America, Inc. is a subsidiary of CGR63, LLC.
EZCORP, Inc. provides pawn loans in the United States, Mexico, and Canada. The company operates through three segments: U.S. Pawn, Mexico Pawn, and Other International. It offers pawn loans, which are non-recourse loans collateralized by tangible personal property, such as jewelry, consumer electronics, power tools, sporting goods, and musical instruments; and sells merchandise, including collateral forfeited from pawn lending operations and used merchandise purchased from customers. The company also offers payday loan services through its financial services stores. As of September 30, 2016, it operated approximately 786 locations comprising 520 United States pawn stores under the EZPAWN or Value Pawn & Jewelry names; 239 Mexico pawn stores under the EmpeÃ±o FÃ¡cil name; and 27 CASHMAX financial service stores in Canada. The company was founded in 1989 and is headquartered in Austin, Texas.
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