Loandepot Inc (LDI)vsRoyal Bank of Canada (RY)
LDI
Loandepot Inc
$0.84
+0.40%
FINANCIAL SERVICES · Cap: $417.66M
RY
Royal Bank of Canada
$205.90
-0.04%
FINANCIAL SERVICES · Cap: $291.55B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 5228% more annual revenue ($67.15B vs $1.26B). RY leads profitability with a 33.9% profit margin vs -5.5%. RY earns a higher WallStSmart Score of 63/100 (C+).
LDI
Hold36
out of 100
Grade: F
RY
Buy63
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 46.4%
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
ROE of -34.5% — below average capital efficiency
Earnings declined 98.8%
Distress zone — elevated risk
Expensive relative to growth rate
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 : RY
The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.9% and operating margin at 46.4%.
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 : RY
The primary concerns for RY are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 2.88 is elevated, increasing financial risk.
Key Dynamics to Monitor
LDI profiles as a turnaround stock while RY is a mature play — different risk/reward profiles.
LDI carries more volatility with a beta of 3.12 — expect wider price swings.
LDI is growing revenue faster at 9.7% — sustainability is the question.
LDI generates stronger free cash flow (510M), providing more financial flexibility.
Bottom Line
RY scores higher overall (63/100 vs 36/100), backed by strong 33.9% margins. 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.
Royal Bank of Canada
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Royal Bank of Canada is a globally diversified financial services company. The company is headquartered in Toronto, Canada.
Compare with Other MORTGAGE FINANCE Stocks
Want to dig deeper into these stocks?