loanDepot vs Upstart
LDI and UPST 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 UPST compare
Upstart is the larger company, worth 12 times as much as loanDepot ($1.9B against $152M).
Upstart grew revenue faster over the last twelve months (46.3% versus 9.2% for loanDepot).
Upstart keeps more of each dollar of sales as profit, with a net margin of 4.8% compared with −6.8% at loanDepot.
Upstart scores higher on the StockData Score (12 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 | UPST |
|---|---|---|
| Size and price | ||
| Market cap | $152M | $1.9B |
| Share price | $0.451 | $19.56 |
| Change, 1 year | −84.6% | −50.6% |
| Change, 5 years | −93.2% | −90.5% |
| Beta (5Y) | 1.56 | 3.17 |
| Employees | 4,700 | 1,405 |
| StockData Score | ||
| Total score | 4 | 12 (better) |
| Valuation score | 1 | 2 (better) |
| Growth score | 1 | 1 |
| Performance score | 2 | 5 (better) |
| Health score | 0 | 4 (better) |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | – | 39.9× |
| P/S | 0.1× (better) | 1.5× |
| P/B | – | 2.4× |
| EV/EBITDA | – | 19.2× |
| P/FCF | 0.6× | – |
| FCF yield | 175% (better) | −15.2% |
| Fair value | – | $22.37 |
| Margin of safety | – | 12.6% |
| Growth | ||
| Revenue growth (TTM) | 9.2% | 46.3% (better) |
| Revenue growth, 5Y average | −22.7% | 34.9% (better) |
| Profitability | ||
| Operating margin | – | 4.0% |
| Net margin | −6.8% | 4.8% (better) |
| FCF margin | 21.4% (better) | −23.2% |
| Return on equity | – | 7.9% |
| Return on invested capital | – | 21.7% |
| Financial health | ||
| Debt / equity | – | 0.00 |
| Altman Z-score | 0.06 | 0.77 (better) |
| Piotroski F-score | – | 4 |
| Dividends and buybacks | ||
| Shareholder yield | 0.00% | 0.00% |
| Ownership | ||
| Held by institutions | 15.9% | 60.0% |
| Held by insiders | 38.3% | 12.3% |
| Insider net buying, 12 months | −$8.4M | $1.1M (better) |
| Superinvestors holding | – | 1 |
| Short interest, % of float | 10.6% | 31.1% |
Go deeper
- LDI stock overview
- LDI income statement
- LDI valuation and score
- UPST stock overview
- UPST income statement
- UPST valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.