Loandepot Inc (LDI)vsOnity Group Inc. (ONIT)
LDI
Loandepot Inc
$1.41
-2.76%
FINANCIAL SERVICES · Cap: $807.02M
ONIT
Onity Group Inc.
$38.47
+3.00%
FINANCIAL SERVICES · Cap: $315.90M
Smart Verdict
WallStSmart Research — data-driven comparison
Loandepot Inc generates 15% more annual revenue ($1.23B vs $1.07B). ONIT leads profitability with a 17.8% profit margin vs -5.1%. ONIT earns a higher WallStSmart Score of 81/100 (A-).
LDI
Hold40
out of 100
Grade: F
ONIT
Exceptional Buy81
out of 100
Grade: A-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for LDI.
Margin of Safety
+71.8%
Fair Value
$145.93
Current Price
$38.47
$107.46 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Revenue surging 70.1% year-over-year
Attractively priced relative to earnings
Reasonable price relative to book value
Every $100 of equity generates 32 in profit
Strong operational efficiency at 52.9%
Growing faster than its price suggests
Revenue surging 29.0% year-over-year
Areas to Watch
Smaller company, higher risk/reward
ROE of -24.1% — below average capital efficiency
Earnings declined 98.8%
Negative free cash flow — burning cash
Smaller company, higher risk/reward
Earnings declined 23.4%
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : LDI
The strongest argument for LDI centers on Price/Book, Revenue Growth. Revenue growth of 70.1% demonstrates continued momentum.
Bull Case : ONIT
The strongest argument for ONIT centers on P/E Ratio, Price/Book, Return on Equity. Profitability is solid with margins at 17.8% and operating margin at 52.9%. Revenue growth of 29.0% demonstrates continued momentum.
Bear Case : LDI
The primary concerns for LDI are Market Cap, Return on Equity, EPS Growth.
Bear Case : ONIT
The primary concerns for ONIT are Market Cap, EPS Growth, Free Cash Flow.
Key Dynamics to Monitor
LDI profiles as a hypergrowth stock while ONIT is a growth play — different risk/reward profiles.
LDI carries more volatility with a beta of 3.16 — expect wider price swings.
LDI is growing revenue faster at 70.1% — sustainability is the question.
ONIT generates stronger free cash flow (-471M), providing more financial flexibility.
Bottom Line
ONIT scores higher overall (81/100 vs 40/100), backed by strong 17.8% margins and 29.0% revenue growth. Both earn "Exceptional Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
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.
Onity Group Inc.
FINANCIAL SERVICES · MORTGAGE FINANCE · USA
Onity Group Inc., a financial services company, originates and services mortgage loans in the United States, the United States Virgin Islands, India, and the Philippines. The company is headquartered in West Palm Beach, Florida.
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