Loandepot Inc (LDI)vsVelocity Financial Llc (VEL)
LDI
Loandepot Inc
$0.84
+0.40%
FINANCIAL SERVICES · Cap: $417.66M
VEL
Velocity Financial Llc
$17.97
-0.83%
FINANCIAL SERVICES · Cap: $727.64M
Smart Verdict
WallStSmart Research — data-driven comparison
Loandepot Inc generates 344% more annual revenue ($1.26B vs $284.11M). VEL leads profitability with a 37.9% profit margin vs -5.5%. VEL earns a higher WallStSmart Score of 64/100 (C+).
LDI
Hold36
out of 100
Grade: F
VEL
Buy64
out of 100
Grade: C+
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 38 of every $100 in revenue as profit
Strong operational efficiency at 52.1%
Revenue surging 22.7% year-over-year
Areas to Watch
Smaller company, higher risk/reward
ROE of -34.5% — below average capital efficiency
Earnings declined 98.8%
Distress zone — elevated risk
Smaller company, higher risk/reward
Earnings declined 6.9%
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 37.9% and operating margin at 52.1%. Revenue growth of 22.7% demonstrates continued momentum.
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 : VEL
The primary concerns for VEL are Market Cap, EPS Growth, Altman Z-Score. Debt-to-equity of 9.77 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 3.12 — expect wider price swings.
VEL is growing revenue faster at 22.7% — sustainability is the question.
LDI generates stronger free cash flow (510M), providing more financial flexibility.
Bottom Line
VEL scores higher overall (64/100 vs 36/100), backed by strong 37.9% margins and 22.7% 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.
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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