Is LMFA or LPLA more undervalued in 2026?

CirclFi compares LM Funding America, Inc. (LMFA) and LPL Financial Holdings Inc. (LPLA) using 13 institutional-grade valuation models. LMFA has a Quality of Company score of 4.1/10 while LPLA scores 7.5/10.

Which is a better buy — LMFA or LPLA?

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 LMFA and LPLA valuations compare?

LMFA at $0.25 and LPLA at $265.86 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

LMFA vs LPLA Valuation Comparison 2026 — Intrinsic Value Analysis

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

LPLA

Capital Markets

LPL Financial Holdings Inc.

Quality

7.5

out of 10

Value Trap

SAFE

Price

$265.86

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	LMFA Fair Value	LMFA Upside	LPLA Fair Value	LPLA Upside
Bayesian DCF	Intrinsic	—	—	$66.32	-75.1%
EROIC Spread	Intrinsic	—	—	$46.74	-82.4%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$0.02	-91.9%	$291.47	+9.6%
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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LMFA vs LPLA — Which Stock Is More Undervalued?

LPLA scores higher with a 7.5/10 quality rating vs LMFA's 4.1/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing LM Funding America, Inc. (LMFA) and LPL Financial Holdings Inc. (LPLA) 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.

LMFA currently trades at $0.25 with a QOC of 4.1/10, while LPLA trades at $265.86 with a QOC of 7.5/10.

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).