Loandepot Inc (LDI)vsUWM Holdings Corp (UWMC)
LDI
Loandepot Inc
$0.84
+0.40%
FINANCIAL SERVICES · Cap: $417.66M
UWMC
UWM Holdings Corp
$1.35
+0.75%
FINANCIAL SERVICES · Cap: $3.98B
Smart Verdict
WallStSmart Research — data-driven comparison
UWM Holdings Corp generates 132% more annual revenue ($2.93B vs $1.26B). UWMC leads profitability with a -1.3% profit margin vs -5.5%. LDI earns a higher WallStSmart Score of 36/100 (F).
LDI
Hold36
out of 100
Grade: F
UWMC
Hold35
out of 100
Grade: F
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Earnings expanding 277.8% YoY
Every $100 of equity generates 29 in profit
Areas to Watch
Smaller company, higher risk/reward
ROE of -34.5% — below average capital efficiency
Earnings declined 98.8%
Distress zone — elevated risk
Revenue declined 70.6%
Distress zone — elevated risk
Currently unprofitable
Operating margin of -111.0%
Comparative Analysis Report
WallStSmart ResearchBull Case : LDI
The strongest argument for LDI centers on Price/Book.
Bull Case : UWMC
The strongest argument for UWMC centers on EPS Growth, Return on Equity.
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 : UWMC
The primary concerns for UWMC are Revenue Growth, Altman Z-Score, Profit Margin. Debt-to-equity of 109.53 is elevated, increasing financial risk.
Key Dynamics to Monitor
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.
LDI generates stronger free cash flow (510M), providing more financial flexibility.
Monitor MORTGAGE FINANCE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
LDI scores higher overall (36/100 vs 35/100). 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.
UWM Holdings Corp
FINANCIAL SERVICES · MORTGAGE FINANCE · USA
UWM Holdings Corporation is engaged in the residential mortgage loan business in the United States. The company is headquartered in Pontiac, Michigan.
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