Is JEF or LMFA more undervalued in 2026?

CirclFi compares Jefferies Financial Group Inc. (JEF) and LM Funding America, Inc. (LMFA) using 13 institutional-grade valuation models. JEF has a Quality of Company score of 8.0/10 while LMFA scores 4.1/10.

Which is a better buy — JEF or LMFA?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do JEF and LMFA valuations compare?

JEF at $52.47 and LMFA at $0.25 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

JEF vs LMFA Valuation Comparison 2026 — Intrinsic Value Analysis

JEF

Capital Markets

Jefferies Financial Group Inc.

Quality

8.0

out of 10

Value Trap

LOW

Price

$52.47

Last close

Models

12/13

Active

LMFA

Capital Markets

LM Funding America, Inc.

Quality

4.1

out of 10

Value Trap

LOW

Price

$0.25

Last close

Models

7/13

Active

Model-by-Model Comparison

Model	Type	JEF Fair Value	JEF Upside	LMFA Fair Value	LMFA Upside
Bayesian DCF	Intrinsic	$2.13	-95.7%	—	—
Earnings Power Value	Intrinsic	$13.20	-73.2%	—	—
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$117.29	+123.5%	$0.02	-91.9%
Dynamic NAV	Asset-Based	—	—	$0.53	+109.7%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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JEF vs LMFA — Which Stock Is More Undervalued?

JEF scores higher with a 8.0/10 quality rating vs LMFA's 4.1/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Jefferies Financial Group Inc. (JEF) and LM Funding America, Inc. (LMFA) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

JEF currently trades at $52.47 with a QOC of 8.0/10, while LMFA trades at $0.25 with a QOC of 4.1/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).