LMFA vs MDBH

LM Funding America, Inc. vs MDB Capital Holdings, LLC — Valuation Comparison 2026

By CirclFi Research Team · Updated 2026-06-03 · Data from SEC EDGAR, FRED & GDELT

Quick Summary — MDBH scores higher on quality with 6.0/10 vs LMFA's 4.1/10. LMFA trades at $0.24 while MDBH trades at $3.26. Both analyzed daily using SEC EDGAR data across 13 institutional models.

LMFA

Capital Markets
LM Funding America, Inc.
Quality
4.1
out of 10
Value Trap
36
LOW
Price
$0.24
Last close
Models
7/13
Active
VS

MDBH

Capital Markets
MDB Capital Holdings, LLC
Quality
6.0
out of 10
Value Trap
6
SAFE
Price
$3.26
Last close
Models
11/13
Active
LMFA
Dynamic NAV sees +116.0% upside
Quality 4.1/10 — below average
MDBH
2 models active
Limited to 2/13 visible models

LMFA vs MDBH — Fair Value Comparison

LMFA
$0$0$0$1 Price$0.24 ML-RIV$0.02 (-91.9%) Dynamic N…$0.53 (+116.0%)
MDBH
$0$1$3$4 Price$3.26 Bayesian …$1.48 (-54.7%) Earnings …$1.57 (-59.4%)
Market Price Model 1 Model 2

Model-by-Model Comparison

ModelType LMFA Fair ValueLMFA Upside MDBH Fair ValueMDBH Upside
Bayesian DCF Intrinsic $1.48 -54.7%
Earnings Power Value Intrinsic $1.57 -59.4%
EROIC Spread Intrinsic $•••.•• ••.•% $•••.•• ••.•%
First Chicago Scenario $•••.•• ••.•% $•••.•• ••.•%
ML-RIV Intrinsic $0.02 -91.9% $1.65 -56.2%
Dynamic NAV Asset-Based $0.53 +116.0% $5.66 +73.5%
PWERM Option-Based $•••.•• ••.•% $•••.•• ••.•%
Regime Cross-Sectional Relative $•••.•• ••.•% $•••.•• ••.•%
Sentiment SOTP Hybrid $•••.•• ••.•% $•••.•• ••.•%
CUCE Ensemble Ensemble $•••.•• ••.•% $•••.•• ••.•%
FTNN Topology Relative $•••.•• ••.•% $•••.•• ••.•%

LMFA vs MDBH — Which Stock Is More Undervalued in 2026?

MDBH scores higher with a 6.0/10 quality rating vs LMFA's 4.1/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

How Do LMFA and MDBH Valuations Compare?

LMFA currently trades at $0.24 while MDBH trades at $3.26. 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 for both companies.

Quality of Company: LMFA vs MDBH

LMFA earns a Quality of Company score of 4.1/10 compared to MDBH's 6.0/10. This moderate difference suggests one company has an edge in fundamental quality, though both may offer investment merit depending on valuation. The QOC score synthesizes 32 signals spanning profitability margins, revenue growth, free cash flow, capital allocation, and leverage.

Value Trap Risk: LMFA vs MDBH

LMFA carries a LOW value trap risk (36/100) while MDBH shows SAFE risk (6/100). Both companies show manageable value trap risk, suggesting their current valuations are not artificially depressed by fundamental deterioration.

Both in Capital Markets

Both LMFA and MDBH operate in Capital Markets, which has 86 stocks tracked by CirclFi. Same-industry comparisons provide the most direct insight into relative valuation since both companies face similar regulatory environments, market dynamics, and competitive pressures. 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), and ensemble methods (CUCE).

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