Loandepot Inc (LDI)vsVelocity Financial Llc (VEL)
LDI
Loandepot Inc
$1.18
-5.60%
FINANCIAL SERVICES · Cap: $765.32M
VEL
Velocity Financial Llc
$17.48
+0.17%
FINANCIAL SERVICES · Cap: $679.90M
Smart Verdict
WallStSmart Research — data-driven comparison
Loandepot Inc generates 354% more annual revenue ($1.23B vs $271.59M). VEL leads profitability with a 40.0% profit margin vs -6.3%. VEL earns a higher WallStSmart Score of 74/100 (B).
LDI
Avoid29
out of 100
Grade: F
VEL
Strong Buy74
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
Reasonable price relative to book value
Keeps 40 of every $100 in revenue as profit
Strong operational efficiency at 38.2%
Revenue surging 132.1% 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%
Smaller company, higher risk/reward
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 : VEL
The strongest argument for VEL centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 40.0% and operating margin at 38.2%. Revenue growth of 132.1% 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 : VEL
The primary concerns for VEL are Market Cap, Altman Z-Score, Debt/Equity. Debt-to-equity of 9.65 is elevated, increasing financial risk.
Key Dynamics to Monitor
LDI profiles as a turnaround stock while VEL is a growth play — different risk/reward profiles.
LDI carries more volatility with a beta of 3.04 — expect wider price swings.
VEL is growing revenue faster at 132.1% — sustainability is the question.
VEL generates stronger free cash flow (12M), providing more financial flexibility.
Bottom Line
VEL scores higher overall (74/100 vs 29/100), backed by strong 40.0% margins and 132.1% 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.
Velocity Financial Llc
FINANCIAL SERVICES · MORTGAGE FINANCE · USA
Velocity Financial, Inc. is a real estate finance company in the United States. The company is headquartered in Westlake Village, California.
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