Loandepot Inc (LDI)vsPennyMac Finl Svcs Inc (PFSI)
LDI
Loandepot Inc
$0.84
+0.40%
FINANCIAL SERVICES · Cap: $417.66M
PFSI
PennyMac Finl Svcs Inc
$70.36
+0.79%
FINANCIAL SERVICES · Cap: $3.74B
Smart Verdict
WallStSmart Research — data-driven comparison
PennyMac Finl Svcs Inc generates 164% more annual revenue ($3.33B vs $1.26B). PFSI leads profitability with a 11.8% profit margin vs -5.5%. PFSI earns a higher WallStSmart Score of 48/100 (D+).
LDI
Hold36
out of 100
Grade: F
PFSI
Hold48
out of 100
Grade: D+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Attractively priced relative to earnings
Reasonable price relative to book value
Generating 2.0B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
ROE of -34.5% — below average capital efficiency
Earnings declined 98.8%
Distress zone — elevated risk
1.8% revenue growth
Operating margin of 4.5%
Expensive relative to growth rate
Earnings declined 83.9%
Comparative Analysis Report
WallStSmart ResearchBull Case : LDI
The strongest argument for LDI centers on Price/Book.
Bull Case : PFSI
The strongest argument for PFSI centers on P/E Ratio, Price/Book, Free Cash Flow.
Bear Case : LDI
The primary concerns for LDI are Market Cap, Return on Equity, EPS Growth. Debt-to-equity of 22.93 is elevated, increasing financial risk.
Bear Case : PFSI
The primary concerns for PFSI are Revenue Growth, Operating Margin, PEG Ratio. Debt-to-equity of 5.46 is elevated, increasing financial risk.
Key Dynamics to Monitor
LDI profiles as a turnaround stock while PFSI is a value play — different risk/reward profiles.
LDI carries more volatility with a beta of 3.12 — expect wider price swings.
LDI is growing revenue faster at 9.7% — sustainability is the question.
PFSI generates stronger free cash flow (2.0B), providing more financial flexibility.
Bottom Line
PFSI scores higher overall (48/100 vs 36/100). Both earn "Hold" 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.
PennyMac Finl Svcs Inc
FINANCIAL SERVICES · MORTGAGE FINANCE · USA
PennyMac Financial Services, Inc. is engaged in investment management and mortgage banking activities in the United States. The company is headquartered in Westlake Village, California.
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