LMFA
Price
$0.32
Change
-$0.02 (-5.88%)
Updated
Feb 4 closing price
Capitalization
4.51M
Intraday BUY SELL Signals
XYF
Price
$5.21
Change
+$0.06 (+1.17%)
Updated
Feb 4 closing price
Capitalization
203.56M
Intraday BUY SELL Signals
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LMFA vs XYF

Header iconLMFA vs XYF Comparison
Open Charts LMFA vs XYFBanner chart's image
LM Funding America
Price$0.32
Change-$0.02 (-5.88%)
Volume$226.56K
Capitalization4.51M
X Financial
Price$5.21
Change+$0.06 (+1.17%)
Volume$191.73K
Capitalization203.56M
LMFA vs XYF Comparison Chart in %
LMFA
Daily Signal:
Gain/Loss:
XYF
Daily Signal:
Gain/Loss:
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VS
LMFA vs. XYF commentary
Feb 05, 2026

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is LMFA is a StrongBuy and XYF is a Hold.

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COMPARISON
Comparison
Feb 05, 2026
Stock price -- (LMFA: $0.32 vs. XYF: $5.21)
Brand notoriety: LMFA and XYF are both not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: LMFA: 52% vs. XYF: 84%
Market capitalization -- LMFA: $4.51M vs. XYF: $203.56M
LMFA [@Savings Banks] is valued at $4.51M. XYF’s [@Savings Banks] market capitalization is $203.56M. The market cap for tickers in the [@Savings Banks] industry ranges from $634.57B to $0. The average market capitalization across the [@Savings Banks] industry is $20.99B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

LMFA’s FA Score shows that 1 FA rating(s) are green whileXYF’s FA Score has 1 green FA rating(s).

  • LMFA’s FA Score: 1 green, 4 red.
  • XYF’s FA Score: 1 green, 4 red.
According to our system of comparison, both LMFA and XYF are a bad buy in the long-term.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

LMFA’s TA Score shows that 5 TA indicator(s) are bullish while XYF’s TA Score has 4 bullish TA indicator(s).

  • LMFA’s TA Score: 5 bullish, 3 bearish.
  • XYF’s TA Score: 4 bullish, 4 bearish.
According to our system of comparison, LMFA is a better buy in the short-term than XYF.

Price Growth

LMFA (@Savings Banks) experienced а -23.89% price change this week, while XYF (@Savings Banks) price change was -9.23% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was -2.23%. For the same industry, the average monthly price growth was -7.01%, and the average quarterly price growth was +0.53%.

Industries' Descriptions

@Savings Banks (-2.23% weekly)

A savings bank primary function is to take deposits and paying interest on those deposits. Originating in Europe during the 18th century, these banks were generally introduced to incentivize people of all stripes to save money and park them with banks. By the 1990s, the internet ushered in online savings banks that allowed savers to deposit/transact with banks digitally, without requiring to visit a branch office. Savings banks have potentially encouraged lower-income population to save and have access to a financial institution to earn interest on their money. New York Community Bancorp, Inc, Webster Financial Corporation, Washington Federal, Inc. are examples of savings banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
XYF($204M) has a higher market cap than LMFA($4.51M). XYF YTD gains are higher at: -6.964 vs. LMFA (-28.159). LMFA has less debt than XYF: LMFA (8.62M) vs XYF (566M). XYF has higher revenues than LMFA: XYF (3.44B) vs LMFA (14.3M).
LMFAXYFLMFA / XYF
Capitalization4.51M204M2%
EBITDA-525.16KN/A-
Gain YTD-28.159-6.964404%
P/E RatioN/A0.88-
Revenue14.3M3.44B0%
Total Cash315KN/A-
Total Debt8.62M566M2%
FUNDAMENTALS RATINGS
LMFA vs XYF: Fundamental Ratings
LMFA
XYF
OUTLOOK RATING
1..100
255
VALUATION
overvalued / fair valued / undervalued
1..100
10
Undervalued
4
Undervalued
PROFIT vs RISK RATING
1..100
10082
SMR RATING
1..100
9599
PRICE GROWTH RATING
1..100
9792
P/E GROWTH RATING
1..100
9297
SEASONALITY SCORE
1..100
8550

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

XYF's Valuation (4) in the Finance Or Rental Or Leasing industry is in the same range as LMFA (10) in the Miscellaneous Commercial Services industry. This means that XYF’s stock grew similarly to LMFA’s over the last 12 months.

XYF's Profit vs Risk Rating (82) in the Finance Or Rental Or Leasing industry is in the same range as LMFA (100) in the Miscellaneous Commercial Services industry. This means that XYF’s stock grew similarly to LMFA’s over the last 12 months.

LMFA's SMR Rating (95) in the Miscellaneous Commercial Services industry is in the same range as XYF (99) in the Finance Or Rental Or Leasing industry. This means that LMFA’s stock grew similarly to XYF’s over the last 12 months.

XYF's Price Growth Rating (92) in the Finance Or Rental Or Leasing industry is in the same range as LMFA (97) in the Miscellaneous Commercial Services industry. This means that XYF’s stock grew similarly to LMFA’s over the last 12 months.

LMFA's P/E Growth Rating (92) in the Miscellaneous Commercial Services industry is in the same range as XYF (97) in the Finance Or Rental Or Leasing industry. This means that LMFA’s stock grew similarly to XYF’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
LMFAXYF
RSI
ODDS (%)
Bullish Trend 2 days ago
82%
Bullish Trend 2 days ago
81%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
80%
Bullish Trend 2 days ago
90%
Momentum
ODDS (%)
Bearish Trend 2 days ago
90%
Bearish Trend 2 days ago
72%
MACD
ODDS (%)
Bullish Trend 2 days ago
78%
Bearish Trend 2 days ago
84%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
90%
Bearish Trend 2 days ago
79%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
90%
Bearish Trend 2 days ago
77%
Advances
ODDS (%)
Bullish Trend 15 days ago
86%
Bullish Trend 25 days ago
80%
Declines
ODDS (%)
Bearish Trend 2 days ago
90%
Bearish Trend 7 days ago
77%
BollingerBands
ODDS (%)
Bullish Trend 2 days ago
90%
Bullish Trend 2 days ago
85%
Aroon
ODDS (%)
Bearish Trend 2 days ago
90%
Bearish Trend 2 days ago
87%
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LMFA
Daily Signal:
Gain/Loss:
XYF
Daily Signal:
Gain/Loss:
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LMFA and

Correlation & Price change

A.I.dvisor indicates that over the last year, LMFA has been closely correlated with PYPL. These tickers have moved in lockstep 67% of the time. This A.I.-generated data suggests there is a high statistical probability that if LMFA jumps, then PYPL could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To LMFA
1D Price
Change %
LMFA100%
-5.82%
PYPL - LMFA
67%
Closely correlated
-1.61%
QFIN - LMFA
65%
Loosely correlated
+0.86%
XYF - LMFA
63%
Loosely correlated
+1.17%
NISN - LMFA
62%
Loosely correlated
-0.99%
LX - LMFA
54%
Loosely correlated
+0.37%
More

XYF and

Correlation & Price change

A.I.dvisor indicates that over the last year, XYF has been closely correlated with QFIN. These tickers have moved in lockstep 82% of the time. This A.I.-generated data suggests there is a high statistical probability that if XYF jumps, then QFIN could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To XYF
1D Price
Change %
XYF100%
+1.17%
QFIN - XYF
82%
Closely correlated
+0.86%
NISN - XYF
75%
Closely correlated
-0.99%
FINV - XYF
67%
Closely correlated
-0.20%
LU - XYF
63%
Loosely correlated
-1.57%
LMFA - XYF
63%
Loosely correlated
-5.82%
More