CNFinance Holdings Ltd (CNF)vsLoandepot Inc (LDI)
CNF
CNFinance Holdings Ltd
$3.18
+0.95%
FINANCIAL SERVICES · Cap: $53.10M
LDI
Loandepot Inc
$1.18
-5.60%
FINANCIAL SERVICES · Cap: $765.32M
Smart Verdict
WallStSmart Research — data-driven comparison
Loandepot Inc generates -407% more annual revenue ($1.23B vs $-401.75M). CNF leads profitability with a 0.0% profit margin vs -6.3%. CNF earns a higher WallStSmart Score of 42/100 (D).
CNF
Hold42
out of 100
Grade: D
LDI
Avoid29
out of 100
Grade: F
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 113.5%
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
0.0% margin — thin
ROE of -1.6% — below average capital efficiency
Revenue declined 75.1%
1.7% revenue growth
Smaller company, higher risk/reward
ROE of -38.3% — below average capital efficiency
Earnings declined 98.8%
Comparative Analysis Report
WallStSmart ResearchBull Case : CNF
The strongest argument for CNF centers on Price/Book, Operating Margin.
Bull Case : LDI
The strongest argument for LDI centers on Price/Book.
Bear Case : CNF
The primary concerns for CNF are Market Cap, Profit Margin, Return on Equity.
Bear Case : LDI
The primary concerns for LDI are Revenue Growth, Market Cap, Return on Equity. Debt-to-equity of 25.32 is elevated, increasing financial risk.
Key Dynamics to Monitor
CNF profiles as a value stock while LDI is a turnaround play — different risk/reward profiles.
LDI carries more volatility with a beta of 3.04 — expect wider price swings.
LDI is growing revenue faster at 1.7% — sustainability is the question.
CNF generates stronger free cash flow (79M), providing more financial flexibility.
Bottom Line
CNF scores higher overall (42/100 vs 29/100). Both earn "Hold" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
CNFinance Holdings Ltd
FINANCIAL SERVICES · MORTGAGE FINANCE · China
CNFinance Holdings Limited, offers home equity loan services in the People's Republic of China. The company is headquartered in Guangzhou, China.
Visit Website →Loandepot Inc
FINANCIAL SERVICES · MORTGAGE FINANCE · USA
LoanDepot, Inc. is dedicated to the origination and servicing of conventional and government mortgage loans in the United States. The company is headquartered in Foothill Ranch, California.
Compare with Other MORTGAGE FINANCE Stocks
Want to dig deeper into these stocks?