Loandepot Inc (LDI)vsRocket Companies Inc (RKT)
LDI
Loandepot Inc
$0.84
+0.40%
FINANCIAL SERVICES · Cap: $417.66M
RKT
Rocket Companies Inc
$13.18
-0.08%
FINANCIAL SERVICES · Cap: $39.36B
Smart Verdict
WallStSmart Research — data-driven comparison
Rocket Companies Inc generates 713% more annual revenue ($10.24B vs $1.26B). RKT leads profitability with a 4.6% profit margin vs -5.5%. RKT earns a higher WallStSmart Score of 61/100 (C+).
LDI
Hold36
out of 100
Grade: F
RKT
Buy61
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Revenue surging 91.9% year-over-year
Growing faster than its price suggests
Reasonable price relative to book value
Strong operational efficiency at 27.1%
Areas to Watch
Smaller company, higher risk/reward
ROE of -34.5% — below average capital efficiency
Earnings declined 98.8%
Distress zone — elevated risk
ROE of 2.0% — below average capital efficiency
4.6% margin — thin
Elevated debt levels
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : LDI
The strongest argument for LDI centers on Price/Book.
Bull Case : RKT
The strongest argument for RKT centers on Revenue Growth, PEG Ratio, Price/Book. Revenue growth of 91.9% demonstrates continued momentum. PEG of 0.53 suggests the stock is reasonably priced for its growth.
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 : RKT
The primary concerns for RKT are Return on Equity, Profit Margin, Debt/Equity. Thin 4.6% margins leave little buffer for downturns.
Key Dynamics to Monitor
LDI profiles as a turnaround stock while RKT is a hypergrowth play — different risk/reward profiles.
LDI carries more volatility with a beta of 3.12 — expect wider price swings.
RKT is growing revenue faster at 91.9% — sustainability is the question.
LDI generates stronger free cash flow (510M), providing more financial flexibility.
Bottom Line
RKT scores higher overall (61/100 vs 36/100) and 91.9% revenue growth. Both earn "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.
Rocket Companies Inc
FINANCIAL SERVICES · MORTGAGE FINANCE · USA
Rocket Companies, Inc. is engaged in the technology-driven real estate, mortgage and e-commerce businesses in the United States and Canada. The company is headquartered in Detroit, Michigan.
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