Loandepot Inc (LDI)vsPennyMac Finl Svcs Inc (PFSI)
LDI
Loandepot Inc
$1.41
-2.76%
FINANCIAL SERVICES · Cap: $807.02M
PFSI
PennyMac Finl Svcs Inc
$86.43
+2.53%
FINANCIAL SERVICES · Cap: $4.51B
Smart Verdict
WallStSmart Research — data-driven comparison
PennyMac Finl Svcs Inc generates 182% more annual revenue ($3.46B vs $1.23B). PFSI leads profitability with a 14.5% profit margin vs -5.1%. PFSI earns a higher WallStSmart Score of 62/100 (C+).
LDI
Hold40
out of 100
Grade: F
PFSI
Buy62
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for LDI.
Margin of Safety
-25.3%
Fair Value
$72.17
Current Price
$86.43
$14.26 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Revenue surging 70.1% year-over-year
Attractively priced relative to earnings
Reasonable price relative to book value
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
0.6% earnings growth
Weak financial health signals
Expensive relative to growth rate
Negative free cash flow — burning cash
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 : PFSI
The strongest argument for PFSI centers on P/E Ratio, Price/Book.
Bear Case : LDI
The primary concerns for LDI are Market Cap, Return on Equity, EPS Growth.
Bear Case : PFSI
The primary concerns for PFSI are EPS Growth, Piotroski F-Score, PEG Ratio. Debt-to-equity of 5.35 is elevated, increasing financial risk.
Key Dynamics to Monitor
LDI profiles as a hypergrowth stock while PFSI 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.
LDI generates stronger free cash flow (-648M), providing more financial flexibility.
Bottom Line
PFSI 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.
PennyMac Finl Svcs Inc
FINANCIAL SERVICES · MORTGAGE FINANCE · USA
PennyMac Financial Services, Inc. is engaged in investment management and mortgage banking activities in the United States. The company is headquartered in Westlake Village, California.
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