Loandepot Inc (LDI)vsOnity Group Inc. (ONIT)
LDI
Loandepot Inc
$1.18
-5.60%
FINANCIAL SERVICES · Cap: $765.32M
ONIT
Onity Group Inc.
$35.55
-2.79%
FINANCIAL SERVICES · Cap: $310.56M
Smart Verdict
WallStSmart Research — data-driven comparison
Loandepot Inc generates 11% more annual revenue ($1.23B vs $1.11B). ONIT leads profitability with a 15.8% profit margin vs -6.3%. ONIT earns a higher WallStSmart Score of 79/100 (B+).
LDI
Avoid29
out of 100
Grade: F
ONIT
Strong Buy79
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
Strong operational efficiency at 55.1%
Every $100 of equity generates 29 in profit
Growing faster than its price suggests
17.8% revenue growth
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
Earnings declined 70.4%
Negative free cash flow — burning cash
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : LDI
The strongest argument for LDI centers on Price/Book.
Bull Case : ONIT
The strongest argument for ONIT centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 15.8% and operating margin at 55.1%. Revenue growth of 17.8% 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 : ONIT
The primary concerns for ONIT are Market Cap, EPS Growth, Free Cash Flow. Debt-to-equity of 25.27 is elevated, increasing financial risk.
Key Dynamics to Monitor
LDI profiles as a turnaround stock while ONIT is a growth play — different risk/reward profiles.
LDI carries more volatility with a beta of 3.04 — expect wider price swings.
ONIT is growing revenue faster at 17.8% — sustainability is the question.
LDI generates stronger free cash flow (-177M), providing more financial flexibility.
Bottom Line
ONIT scores higher overall (79/100 vs 29/100), backed by strong 15.8% margins and 17.8% 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.
Onity Group Inc.
FINANCIAL SERVICES · MORTGAGE FINANCE · USA
Onity Group Inc., a financial services company, originates and services mortgage loans in the United States, the United States Virgin Islands, India, and the Philippines. The company is headquartered in West Palm Beach, Florida.
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