Loandepot Inc (LDI)vsUWM Holdings Corp (UWMC)
LDI
Loandepot Inc
$1.18
-5.60%
FINANCIAL SERVICES · Cap: $765.32M
UWMC
UWM Holdings Corp
$2.59
-1.15%
FINANCIAL SERVICES · Cap: $3.85B
Smart Verdict
WallStSmart Research — data-driven comparison
UWM Holdings Corp generates 193% more annual revenue ($3.61B vs $1.23B). UWMC leads profitability with a 1.8% profit margin vs -6.3%. UWMC earns a higher WallStSmart Score of 66/100 (B-).
LDI
Avoid29
out of 100
Grade: F
UWMC
Strong Buy66
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Attractively priced relative to earnings
Strong operational efficiency at 40.7%
Earnings expanding 277.8% YoY
Every $100 of equity generates 29 in profit
Revenue surging 24.4% year-over-year
Areas to Watch
1.7% revenue growth
Smaller company, higher risk/reward
ROE of -38.3% — below average capital efficiency
Earnings declined 98.8%
1.8% margin — thin
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
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 P/E Ratio, Operating Margin, EPS Growth. Revenue growth of 24.4% demonstrates continued momentum.
Bear Case : LDI
The primary concerns for LDI are Revenue Growth, Market Cap, Return on Equity. Debt-to-equity of 25.32 is elevated, increasing financial risk.
Bear Case : UWMC
The primary concerns for UWMC are Profit Margin, Free Cash Flow, Altman Z-Score. Debt-to-equity of 70.65 is elevated, increasing financial risk. Thin 1.8% margins leave little buffer for downturns.
Key Dynamics to Monitor
LDI profiles as a turnaround stock while UWMC is a growth play — different risk/reward profiles.
LDI carries more volatility with a beta of 3.04 — expect wider price swings.
UWMC is growing revenue faster at 24.4% — sustainability is the question.
LDI generates stronger free cash flow (-177M), providing more financial flexibility.
Bottom Line
UWMC scores higher overall (66/100 vs 29/100) and 24.4% revenue growth. Both earn "Strong Buy" and "Avoid" 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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