loanDepot vs Oportun Financial
LDI and OPRT side by side, both in finance services. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How LDI and OPRT compare
Oportun Financial is the larger company, worth 3.6 times as much as loanDepot ($541M against $152M).
loanDepot grew revenue faster over the last twelve months (9.2% versus −0.40% for Oportun Financial).
Oportun Financial keeps more of each dollar of sales as profit, with a net margin of 3.9% compared with −6.8% at loanDepot.
Oportun Financial scores higher on the StockData Score (7 against 4 for loanDepot), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | LDI | OPRT |
|---|---|---|
| Size and price | ||
| Market cap | $152M | $541M |
| Share price | $0.449 | $11.76 |
| Change, 1 year | −84.6% | 148% |
| Change, 5 years | −93.2% | −50.5% |
| Beta (5Y) | 1.54 | 1.88 |
| Employees | 4,700 | 83 |
| StockData Score | ||
| Total score | 4 | 7 (better) |
| Valuation score | 1 (better) | 0 |
| Growth score | 1 (better) | 0 |
| Performance score | 2 | 3 (better) |
| Health score | 0 | 4 (better) |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | – | 15.9× |
| P/S | 0.1× (better) | 0.6× |
| P/B | – | 1.2× |
| EV/EBITDA | – | 3.7× |
| P/FCF | 0.6× | – |
| FCF yield | 175% | – |
| Fair value | – | $11.37 |
| Margin of safety | – | −3.5% |
| Growth | ||
| Revenue growth (TTM) | 9.2% (better) | −0.40% |
| Revenue growth, 5Y average | −22.7% | 10.4% (better) |
| Net income growth (TTM) | – | 21.7% |
| EPS growth (TTM) | – | 12.1% |
| Profitability | ||
| Net margin | −6.8% | 3.9% (better) |
| FCF margin | 21.4% | – |
| Return on equity | – | 9.1% |
| Financial health | ||
| Debt / equity | – | 0.00 |
| Altman Z-score | 0.06 | 0.33 (better) |
| Piotroski F-score | – | 6 |
| Dividends and buybacks | ||
| Shareholder yield | 0.00% | 0.00% |
| Ownership | ||
| Held by institutions | 15.9% | 82.4% |
| Held by insiders | 38.3% | 27.2% |
| Insider net buying, 12 months | −$8.4M | −$416K (better) |
| Short interest, % of float | 10.6% | 4.2% |
Go deeper
- LDI stock overview
- LDI income statement
- LDI valuation and score
- OPRT stock overview
- OPRT income statement
- OPRT valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.