Loandepot Inc (LDI)vsUWM Holdings Corp (UWMC)
LDI
Loandepot Inc
$1.41
-2.76%
FINANCIAL SERVICES · Cap: $807.02M
UWMC
UWM Holdings Corp
$3.53
-2.22%
FINANCIAL SERVICES · Cap: $5.79B
Smart Verdict
WallStSmart Research — data-driven comparison
UWM Holdings Corp generates 182% more annual revenue ($3.46B vs $1.23B). UWMC leads profitability with a 0.8% profit margin vs -5.1%. UWMC earns a higher WallStSmart Score of 62/100 (C+).
LDI
Hold40
out of 100
Grade: F
UWMC
Buy62
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for LDI.
Margin of Safety
+16.9%
Fair Value
$5.62
Current Price
$3.53
$2.09 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Revenue surging 70.1% year-over-year
Strong operational efficiency at 31.0%
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
Premium valuation, high expectations priced in
3.0% revenue growth
2.8% earnings growth
0.8% margin — thin
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 : UWMC
The strongest argument for UWMC centers on Operating Margin.
Bear Case : LDI
The primary concerns for LDI are Market Cap, Return on Equity, EPS Growth.
Bear Case : UWMC
The primary concerns for UWMC are P/E Ratio, Revenue Growth, EPS Growth. Thin 0.8% margins leave little buffer for downturns.
Key Dynamics to Monitor
LDI profiles as a hypergrowth stock while UWMC is a value 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.
UWMC generates stronger free cash flow (82M), providing more financial flexibility.
Bottom Line
UWMC scores higher overall (62/100 vs 40/100). 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.
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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